INDUSTRIES
Insurance

Enterprise AI for insurance

Underwriting and claims intelligence, loss ratio signals and capital reporting, on your data and in Arabic plus English.

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Enterprise AI platform for the work an insurer cannot get wrong. Deployed inside your own environment, in Arabic and English, and grounded in your own documents, decisions and history rather than a generic model. Start with a priority challenge, then expand across underwriting, claims and finance on the same platform.
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Sector Landscape

The Insurance Landscape

Health Insurance & Payers
Motor Insurance
Property, Casualty & Commercial Lines
Life, Savings & Protection (incl. Takaful)
Distribution, Brokerage & Customer Operations

Enterprise Knowledge & Memory Assistant

What you are dealing with
Your claims evidence is Arabic clinical documentation, reviewed by hand, one file at a time.
What MOZN does
One interface across clinical files, Arabic-first, reasoning over structured and unstructured evidence together.

Proactive Signal & Anomaly Intelligence

What you are dealing with
You see loss ratio and utilization deterioration in the quarterly close.
What MOZN does
Monitors utilization and cost information continuously to surface material signals and emerging trends early.

Hidden Relationship & Network Fraud Detection

What you are dealing with
A single claim looks clinically reasonable. The pattern across the provider network does not.
What MOZN does
Connects providers, claims, members and activity to uncover coordinated abuse and hidden networks.

Cash Flow & Commitment Synchronization

What you are dealing with
Provider network payment terms are committed across years, and the budget is set annually.
What MOZN does
Aligns provider and vendor payment schedules with the planned budget and cash position, then tracks drift and alerts on divergence.

Decision Recommendations & Next Best Action

What you are dealing with
Settlement and pricing decisions rely on static models and a slow analytical cycle.
What MOZN does
Synthesizes context, signals and expected outcomes to recommend potential actions, with the reasoning shown.

Agentic Workflow Automation

What you are dealing with
High claim volumes, manual triage, and turnaround targets you keep missing.
What MOZN does
Agents orchestrate and execute the end-to-end claims workflow with appropriate human oversight.

Hidden Relationship & Network Fraud Detection

What you are dealing with
Individual claims are credible. The same names keep appearing across them.
What MOZN does
Connects claimants, repairers, workshops and intermediaries to uncover coordinated fraud and hidden networks.

Enterprise Knowledge & Memory Assistant

What you are dealing with
Your underwriters work from static guidelines in PDFs and submissions in email.
What MOZN does
One interface across submissions and guidelines, Arabic and English, traceable to source.

Proactive Signal & Anomaly Intelligence

What you are dealing with
You understand accumulation after the bind, not during it.
What MOZN does
Monitors exposure information continuously to surface emerging concentration and material signals early.

Supplier Risk & Performance Management

What you are dealing with
You manage a large intermediary, adjuster and repair base on fragmented information.
What MOZN does
Combines history, performance, delivery and risk signals to improve selection and management.

Scenario & Impact Intelligence

What you are dealing with
Testing a change in assumptions across the book takes a quarter and two actuaries.
What MOZN does
Models scenarios and assesses the potential impact of different decisions, assumptions and external changes.

Cash Flow & Commitment Synchronization

What you are dealing with
Vendor, reinsurance and distribution payments are committed across years while the budget and reserving cycle resets.
What MOZN does
Plans the budget and tests contract payment schedules against projected cash flow, then monitors alignment through the year and alerts on divergence.

Budget & Revenue Forecasting

What you are dealing with
Reporting complexity means you cannot actually use the numbers for decisions.
What MOZN does
Forecasts reserves and revenue from historical and current signals, and models the impact when assumptions change.

Compliance Gap & Remediation Automation

What you are dealing with
Saudi Arabia’s risk-based capital framework takes effect January 1, 2027, and your gaps are visible only at review.
What MOZN does
Maps obligations against controls and evidence, identifies gaps, then generates, assigns and tracks remediation to closure.

Agentic Workflow Automation

What you are dealing with
Complaint volumes are high, knowledge-intensive, and handled manually across systems.
What MOZN does
Agents orchestrate and execute end-to-end workflows with appropriate human oversight.

Proactive Signal & Anomaly Intelligence

What you are dealing with
You learn about lapse behavior from the lapse report.
What MOZN does
Monitors customer and policy information continuously to surface lapse risk and emerging trends early.

Regulatory Change Monitoring

What you are dealing with
Conduct and market obligations change, and working out which apply to which channel is the slow part.
What MOZN does
Identifies relevant changes and their implications for your own policies and controls, tied back to source.

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SOLUTIONS FOR INSURANCE

AI for insurance.

The platform powers a range of solutions explained below. Built once, applied everywhere. Select a solution to see what it does and where you can apply it.

Enterprise Knowledge & Automation
Predictive & Decision Intelligence
Regulatory & Governance Intelligence
Fraud & Investigation Intelligence
Finance & Budget Intelligence
Procurement & Supply Chain Intelligence

Enterprise Knowledge & Automation

Your loss ratio is decided in documents nobody has time to read.
Connect. Understand. Execute.
  • Submissions arrive by email, guidelines live in PDFs and spreadsheets, and claims evidence is Arabic clinical documentation reviewed by hand.
  • MOZN reads those as documents rather than reducing them to fields, native Arabic, reasoning across structured and unstructured evidence together.
  • A citation sits behind every answer, so an underwriter or adjuster can check a recommendation in seconds instead of taking it on faith.
  • Then agents run the submission, complaint, service and settlement workflows end to end, with your people at the decision points.
  • This is the solution that moves underwriter and adjuster time from reading to deciding.
[ Use cases ]
Enterprise Knowledge & Memory Assistant
Agentic Workflow Automation

Predictive & Decision Intelligence

See loss ratio deterioration in-month, not at the quarterly close.
Detect. Anticipate. Decide.
  • Utilization, accumulation and persistency move continuously. You find out about all three on a reporting cycle.
  • MOZN monitors cost, utilization, exposure and lapse signals continuously to surface material change early, then models what happens next.
  • Settlement and pricing decisions get made on current evidence rather than a static model and a slow analytical cycle.
  • Accumulation becomes visible at bind rather than after it, which is the difference between managing exposure and discovering it.
[ Use cases ]
Proactive Signal & Anomaly Intelligence
Decision Recommendations & Next Best Action
Scenario & Impact Intelligence

Regulatory & Governance Intelligence

Inspection-ready continuously, not inspection-ready in a scramble.
Monitor. Assess. Remediate.
  • Capital, conduct and market obligations change, and gaps only become visible during review or inspection.
  • MOZN identifies the changes that matter to you and maps obligations against your own policies and controls, with everything traceable to source.
  • It then generates, assigns and tracks remediation through to closure, so gaps get closed rather than logged.
  • With a risk-based capital framework taking effect January 1, 2027, the reporting calendar is no longer the only clock you are working to.
[ Use cases ]
Regulatory Change Monitoring
Compliance Gap & Remediation Automation

Fraud & Investigation Intelligence

A single claim looks reasonable. The pattern across the network does not.
Detect. Uncover. Investigate.
  • Staged accidents, repair network collusion and provider abuse almost never look suspicious one claim at a time. The same names keep appearing across them.
  • MOZN connects claimants, providers, repairers and intermediaries to uncover coordinated fraud, then hands investigators a ranked queue with the evidence assembled.
[ Use cases ]
Hidden Relationship & Network Fraud Detection
Agentic Investigation Workbench
Fraud Threat Analysis

Finance & Budget Intelligence

Payment schedules, reserves, and numbers you can use.
Plan. Monitor. Anticipate.
  • Vendor, provider and reinsurance payments run in installments across years. Your budget and reserving cycle does not. When the two fall out of sync, cash flow pays for it.
  • MOZN plans the budget and tests contracts against the cash flow they actually commit you to, then monitors that alignment through the year and flags divergence early enough to fix it, instead of at the close.
  • Reporting complexity means the numbers arrive late and get used for compliance rather than for decisions.
  • MOZN monitors financial activity continuously to identify irregularities earlier, and forecasts reserves and revenue from current signals.
[ Use cases ]
Cash Flow & Commitment Synchronization
Continuous Financial Anomaly Detection & Audit Automation
Budget & Revenue Forecasting

Procurement & Supply Chain Intelligence

A large intermediary and repair base, managed on evidence.
Analyze. Manage. Optimize.
  • You manage a large base of brokers, adjusters, repairers and providers on fragmented information.
  • MOZN combines history, performance, delivery and risk signals across third parties to improve selection and ongoing management.
[ Use cases ]
Supplier Risk & Performance Management
Spend Analytics & Price Anomaly Detection
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TRACK RECORD

Proven where the documents and the decisions are.

Arabic document intelligence in production

A government body managing a $2.1 billion fund flagged more than 100,000 suspicious activities, including patterns specific to the Saudi workforce ecosystem, on Arabic-heavy evidence.

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The same problem shape

Claims fraud is the same entity and network problem as banking fraud. A single record looks legitimate and the network does not. Forrester’s 2026 financial crime landscape, which lists MOZN, covers insurance explicitly.

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Fraud detection at national scale

A Tier-1 bank runs an AI-native platform covering 16 fraud typologies across the full customer journey, with more than $5.3 million in fraud prevented and rising. One of the region’s largest institutions cut fraud losses 38 percent on money mule detection.

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What the analysts say
Category Leader, 2026 RiskTech Quadrant for Enterprise Fraud Solutions. The only Middle Eastern company named a leader. Ranked 16 worldwide in the FCC50 2026, the largest jump in the ranking.
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Notable Vendor, Financial Crime Management Solutions Landscape Q1 2026.
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IDC Innovator, Middle East Regulatory Technology Providers 2026.
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Certified and audited

PDPL accreditation from SDAIA
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NCA ECC-2:2024, audited by EY
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NCA CCC-2:2024, audited by EY
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GDPR
4
ISO/IEC 27001
5

All certificates, audit reports, the ISMS scope, network diagram, penetration test report and vulnerability assessment reports are available from MOZN Trust Center ››

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HOW WE ENSURE ROI

Forward Deployed Engineering

We deploy AI experts inside your team to ensure AI delivers sustainable positive ROI for your organization.

MOZN

MOZN AI Platform

An enterprise intelligence platform that connects data and knowledge, understands organizational context, reasons across it, and enables AI to act.

MOZN FDE pod

120+ FDE experts:
AI engineers, data scientists, strategists and change managers, embedded with your claims, underwriting and actuarial teams.
YOUR ORGANISATION

Your domain experts

Deep internal know-how of the policy wording, clinical realities, pricing logic and workflows that no vendor can guess from the outside.

Successful AI Transformation

Governed, sovereign, owned by you, and giving positive ROI.
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FAQs

Questions you are probably about to ask

Most of our work is in Arabic documents. Can it read them?

  • The platform is Arabic-first. No translation layer.
  • Benchmarking has demonstrated how our platform beats others when it comes to efficacy in handling Arabic data.
  • Submissions, clinical documentation, policy wording or adjuster reports are all read as documents rather than reduced to fields, and reasoned over alongside your structured data.

We have run AI pilots that went nowhere. Why would this be different?

  • Because the constraint is almost never the model. It is that the AI does not understand your business.
  • The platform grounds itself in your own policy wording, clinical realities, pricing logic and history first, so the reasoning reflects how your organization actually works.
  • Then our engineers stay inside your claims, underwriting and actuarial teams until it is in production and being used. That is a delivery model for a product, not an advisory service.

Will our underwriters and adjusters actually trust it?

  • Every recommendation is traceable to the document, claim or rule it came from.
  • That is the difference between a score someone has to take on faith and a recommendation they can check in ten seconds.
  • It matters more than it sounds. Over half of financial institutions in this region name transparency and explainability as their main obstacle to using AI at all. (Deloitte Middle East, 2026)

How does this handle health data under PDPL?

  • The platform deploys inside your environment, on-premise or in a private cloud, so health data does not leave it.
  • MOZN holds PDPL accreditation from SDAIA, with a Data Protection Impact Assessment and a Data Privacy Officer process in place.

We are not a bank. Can your platform help us?

  • Claims fraud is very similar to banking fraud. A single record looks reasonable and the network does not.
  • The entity resolution and network detection that finds mule networks finds staged-accident rings and provider collusion.
  • Forrester’s 2026 financial crime landscape, which lists MOZN, covers insurance explicitly.
GET STARTED

Start with your hardest problem. Then expand everywhere.

Our engineers will sit with your team, work on your data, and show you what the platform does inside your own environment.

Get in Touch