Pioneering innovation in Shari’ah-compliant insurance

Since its inception in 1995, Qatar Islamic Insurance Company (QIIC) has led the way in ethical, Shari’ah-compliant insurance in the region. With a legacy rooted in trust and innovation, QIIC has recently undertaken a transformative digital journey to modernize its operations, enhance customer experience, and ensure regulatory compliance in an increasingly digital world.

QIIC’s transformation was driven by a clear vision: to unify its fragmented systems and deliver a seamless, digital-first insurance experience. Partnering with Azentio, QIIC adopted a phased implementation strategy that prioritized stabilization before optimization across key business lines including Motor, General Insurance, Medical, and Life (Individual and Group).

Challenges on the road to modernization

Before the transformation, QIIC faced several operational and technological hurdles:

1. Disconnected systems and multiple vendors created inefficiencies and communication breakdowns.
2. Manual workflows hampered operations, with paper-based processes and unclear governance slowing down approvals and exposing regulatory risks.
3. An outdated mobile app and weak digital interfaces limited customer self-service and satisfaction.

A unified, digital-first insurance ecosystem

Azentio implemented a phased transformation strategy, stabilizing operations before delivering a fully integrated insurance platform that brought together QIIC’s core systems, mobile app, web portal, garage portal, and surveyor app. Key features of the solution included:

1. Fully integrated digital platform unifying core systems, mobile app, web portal, and third-party interfaces (e.g., garage and surveyor apps).
2. Automated policy issuance and claims workflows, improving speed, accuracy, and transparency.
3. Data security and compliance upgrades with full PII encryption and seamless integration with AML systems, meeting Qatar Central Bank standards.
4. Customer-focused mobile app delivering policy management and real-time claims initiation, all from the palm of the hand.

Tangible business impact

The transformation delivered measurable business outcomes:

1. Increased operational efficiency through automation and a structured approval matrix.
2. Cost savings from reduced paper usage and streamlined workflows.
3. Improved regulatory compliance, including 100% penetration testing success and robust data protection.
4. Higher customer satisfaction through faster service delivery and mobile-first self-service.

Najeeb Haneefa, CIO, Qatar Islamic Insurance Company, said, “We’ve been with Azentio for 26 years. This upgrade has truly brought a digital revolution to QIIC, from enhanced operational efficiency to regulatory compliance and a better customer experience; everything’s in one place now.”

Looking ahead

QIIC’s journey with Azentio is a powerful example of how insurers can modernize legacy systems and elevate customer engagement, while staying true to their values. As digital expectations grow, QIIC is now better positioned to lead with innovation, integrity, and operational excellence.

Learn more about Azentio’s insurance solutions here.