Takaful Insurance System
A Shari’ah-Compliant Core for Modern Takaful Operations
Insursa Nova – Takaful Insurance System brings together all critical functions of Takaful and Re-Takaful into a single, cloud-native platform—spanning underwriting, claims, channel commissions, and surplus management.
Built to support both Wakalah and Mudharabah models, it enables faster product launches, ensures Shari’ah compliance by design, and streamlines surplus distribution with actuarial precision.
Why Choose Insursa Nova?
Purpose-Built for Ethical, Digital Takaful
Cloud-Native and Workflow-Driven
Digitize every Takaful process—from policy to surplus—with agile workflows.
Islamic-Based Insurance Product Framework
Fully supports Takaful and Re-Takaful products with embedded Shari’ah logic.
Portal-Driven Collaboration
Enable real-time interaction between participants, partners, and providers.
Surplus & Fund Management Precision
Automate surplus and fund tracking with actuarial logic.
Key Features
Unified Tools for Compliant, Scalable Takaful Management
Pre-Configured Takaful Product Suite
60+ ready-to-deploy products with flexible configuration for fast market response.
Surplus Distribution Engine
Calculate and distribute participant surplus based on actuarial inputs and plan settings.
Wakalah & Mudharabah Model Support
Natively supports both models to ensure ethical and compliant operations.
Business Rules Engine
Configure Takaful logic and process rules using intuitive no-code tools.
Arabic & Multi-Lingual Support
Enable regional adoption with built-in Arabic and other language options.
Ad-hoc and Structured Reporting
6Generate standard and on-demand reports tailored to operational and regional needs.Insursa Nova – Takaful Insurance System
Empower compliant, participant-first Takaful at scale.
