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All around the world, the insurance industry faces an evolving nature of risk and disruption. From political instability to the long-term challenges of climate change, insurance providers must continuously update their knowledge bases to engage with evolving sources of risk. Additionally, the rise of disruptive technologies and changing regulations in key markets are challenging operations structures in an industry where success has traditionally emphasized stability and risk aversion. Altogether, insurance companies are receiving prompts to embrace or compete with a shifting field of opportunities and challenges. ESKA®General is a powerful digital system geared to strengthen every dimension of general insurance. Providing class-specific functions for insurance classes spanning motor, property, general accident, cargo & hull, engineering and aviation, ESKA General empowers you to craft and continuously refine a robust insurance enterprise for the twenty first century. ESKA General provides adaptable configurations and mobile features, giving you a flexible platform to convert innovative ideas into tangible fixtures in your operation. Replete with accelerated underwriting, risk assessment, reinsurance management and sales organization, ESKA General empowers you to deliver competitive products and drive reliable growth in an industry of evolving risks.
Administer policies and claims with a do-it-all platform ESKA General gives you the dynamic infrastructure necessary to run a complete and competitive insurance company. From designing products and payment schemes to underwriting risk and processing claims, ESKA General provides a powerful core for your insurance workflow. Strengthen your sales network ESKA General makes issuing quotes and policies faster with the Quotation Builder, augmented by straight-through processing (STP) and agent access portals. Together with customizable incentive strategies and sales analysis, ESKA General helps you engage customers with purpose and insight. Expand market access with Bancassurance Bancassurance opens up a new frontier of opportunities by letting you market and administer insurance through banking institutions to their affiliated customers. ESKA General provides dedicated Bancassurance management that automates and accelerates the process of creating quotations, policies, endorsements and renewals. Customers can additionally file claims and receive updates right from their local bank. Optimize your reinsurance Key to sustaining stand-out products is by maintaining optimal reinsurance policies for every risk you cover. ESKA General enables you to sustain bolder insurance products by managing your reinsurance layer by layer across multiple reinsurers, empowering you to obtain the most favourable rates on the market. Keep every person and task up to date The ESKA General notification system helps keep everybody on the same page by configuring automated notifications for any and every work process. Real-time processing ensures that any task you accomplish is instantly reflected throughout the whole system. Uphold workflow integrity The ESKA General approval system lets you delegate and verify all necessary inputs and approvals for sophisticated processes while deploying automating features to keep things moving forward. Slash the bulk from your workloads while improving visibility and control. Diversify products with Takaful Incorporating the guidelines of Takaful, ESKA General enables you to design insurance models spanning the Morabaha, Wakalah, and Modaraba concepts. With Takaful, you can build a better-diversified insurance portfolio that attracts more customers and gives back to the community. Maximize system accessibility ESKA General supports portals and mobile apps for your customers and agents, so everybody can access the tools and information they need. Give your sales professionals access to ESKA General’s policy-creation tools, and keep your customers in touch with their policies, payments and insurance.
Smart organization fuels a successful insurance enterprise. From building your product portfolio and endorsements to configuring payment rates and schedules, ESKA General lets you set up a nimble operation according to the rules you want. A hierarchical product portfolio enables you to organize every product and endorsement you build for any type of risk, starting from classes (such as property and motor insurance) down to the specifics (such as room-by-room fire coverage and vehicle classes and parts). You can also build lists of standard exclusions, conditions, benefits and warranties, which can be added to any policy you build within seconds. ESKA General provides an intuitive architecture for simplifying your operations and vitalizing your employees’ efficiency.
In addition to its conventional configurations, ESKA General enables you to build Takaful-based insurance schemes. Takaful in ESKA General provides you the ability to design insurance schemes according to the Ta’awun, al-Modaraba and al-Wakalah business models. It provides a robust solution for retaining and distributing profits for each business line per insurance product. To help you design a Takafulbased system, ESKA General supports various Takaful fee setups and calculation factors. You can also control surpluses, capital reserves, and incentive and fund-management fees. ESKA General enables you to define participant and shareholder roles for your customers as well as Takaful-based operator and risk funds. Wielding Takaful-based methods for collectivizing risk, managing investments and distributing payouts ultimately yields you a more diverse product portfolio, which can attract a wider breadth of prospective customers in the market.
ESKA General mobilizes your product portfolio with powerful quotation building so your sales associates can quickly assemble a tailored insurance policy for any customer that walks through the door. Whether to insure a specific product or to build a policy spanning multiple classes, ESKA General enables you to build quotations of any scale thoroughly and efficiently. The system automatically retrieves information according to your task while verifying that you don’t leave out any necessary information. With straight-through processing (STP), your sales professionals can quickly build quotes and deliver policies for your customers, while passing risk assessment tasks forward to your underwriters. With an accelerated quotation creation process, your sales professionals can better convert market demand into deliverable insurance products, expanding your operation’s growth and success.
ESKA General empowers you by quickly assembling client information and automatically calculating premiums according to your risk assessments. ESKA General allows you to design any kind of digital survey or questionnaire right within your product setup, which you can then link with any policy. This lets you link your client’s answers with functions that re-calculate the final premium according to the variables you set up. Underwriting groupings also enable you to sort your risks into categories you define, in turn helping you to intelligently adjust pricings and requirements.q ESKA General also lets you import all your interests and their respective specifications using the bulk interest uploader. All information is stored in standardized formats that enable easy data retrieval, transfer and analysis. Paired with ESKA Financial and an integrated POS, ESKA Pharmacy enables you to comprehensively combine your sales transactions, revenues and expenses under a unified digital management system.
While processing claims can be a sophisticated process, ESKA General clarifies your tasks with a step-by-step workflow. ESKA General contains all features necessary to manage claims effectively with both your claimants and external parties, while also tracking all provisions within your financial system. When you process a client’s claim, ESKA General automatically retrieves all their information, saving you from the hassle of manual retrieval. Depending on the type of accident, you can automatically implement or specifically select a payment scheme most appropriate for your customers and the services they need. ESKA General additionally integrates your claims data with your reinsurance and accounting systems. Paired with ESKA General’s reporting and inquiry tools, you can gain a clear picture of your finances and make educated adjustments for a stronger operation.
ESKA General lets you create a holistic policyholder profile for every individual and entity you cover, enabling you to integrate their information seamlessly throughout the insurance lifecycle ESKA General integrates your policyholders’ information into everything from underwriting processes to creating quotes and processing claims. By allowing you to group policyholders based on similar characteristics, ESKA General enables you to categorize risk and efficiently deepen your reporting and inquiry tasks. ESKA General also delivers policyholder information to ESKA CRM and ESKA Financial, so you can maintain comprehensive financial accounts and strengthen the customer experience. By providing a policyholder profile manager that follows you through every task, ESKA General helps you connect with your clients and enhance your insurance processes.
In tandem with a stronger operations infrastructure, a streamlined sales force and marketing strategy can help you retain pre-existing customers and bring in new ones. ESKA General features comprehensive sales network management that enables you to clearly understand and adjust your sales channels for optimal effectiveness. To facilitate effective supervision, ESKA General maintains a complete overview of your sales force and its details, from your business channels to the sales professionals that operate within them. To complement your in-house sales force, your sales management can extend to encompass your indirect sales venues, including brokers, external agents, and bancassurance channels. Any sales professional and their tasks can be adjusted or transferred as you need. Regardless of their channel, all sales professionals can access the quotation builder through the agent portal, so they can quickly issue tailored insurance quotes and policies to their customers. The system also lets you comprehensively define how you offer commissions and bonuses to sales professionals while tracking their activities and expenses in-sync with ESKA Financial and HR. In addition to its Recycle Bin feature, ESKA DOCS lets you responsibly dispose of your old documents in confined yet retrievable folders, ensuring that you keep clutter out of your vital functions while maintaining compliance in the places you do business By administering your sales force with clarity and purpose, ESKA General enables you to realize a better-articulated sales strategy.
ESKA General helps you layer, compartmentalize and delegate the accumulated risks you cover between multiple reinsurance arrangements, so you can sustainably package bolder insurance products to your clients and pocket the rewards. ESKA General lets you easily manage your reinsurance according to standard industry methods. Any class of policies can be reinsured through multiple layers of various configurations to ensure your operation’s solvency. ESKA General additionally gives you the option of automatically dispatching documents and claims to your reinsurer(s) as you process them for your clients. It also tracks the amounts you retain and cede to reinsurers, integrating them accordingly in your financial reports.
Sustaining a successful insurance operation requires understanding how your policies are performing across time, type, class and geography. ESKA General provides powerful reporting and inquiry tools, so you can maximize your information’s accessibility and usefulness. ESKA General’s powerful inquiry tool lets you observe any level of your operation’s performance, from the big picture down to specific insurance classes and individual policies. All data can be visualized using in-house graphs and charts. In tandem with inquiry, ESKA General provides an advanced reporting tool where you can consolidate all your operational data into standard Microsoft Excel spreadsheets. Here, you can apply flexible formulas to fine-tune your underwriting and pricing determinations.
Integral to upholding a vibrant customer relationship is giving your customer every opportunity to understand and participate in their own insurance policies. This opportunity needs to be supported with a proper sales process and comprehensive agent knowledge. With ESKA General’s portals and mobile apps, you can ease up your customers’ access and support your sales process, which strengthens your workflow and enriches customer satisfaction. Customer Access ESKA General supports a customer portal and mobile app, enabling your customers to fully appreciate the daily benefits of general insurance. Customer Portal: The customer portal extends self-service capabilities to your customers, helping them to stay informed about everything from their policy details to their claims processes and payment details. Customer App:The native mobile app brings an accelerated ESKA General Customer Portal to your clients’ smartphones and tablets, enabling them to explore and review their policies’ details and premium statuses on the go.
Sales Tools and Access ESKA General supports your sales professionals directly with a toolkit of functions and features to help them better connect with customers. Agent Portal: To optimize the way external sales professionals interact with your insurance operation, ESKA General features an Agent Portal that enables them to issue quotes, policies and alterations using straight-through processing (STP).
ESKA General is a standalone general insurance management system that also forms a part of ESKA® Insures®, ESKADENIA’s end-to-end Insurance Management Software Suite that additionally contains the following core insurance systems:
ESKADENIA ensures that your potential grows within a unified operation. ESKADENIA provides an array of complementary software systems, so you can extend the core capabilities of ESKA General throughout the rest of your company’s operations and customer relationships.
Embrace comprehensive digital insurance operations!