The document describes the General Insurance system from ESKA® Insures. The system automates and accelerates the insurance lifecycle including quotations, policies, endorsements, claims, and reinsurance. It is fully integrated and supports functions like underwriting, production, claims, and reinsurance. The system allows configuration of insurance classes, policy types, covers, and fees. It also handles quoting, policy issuance, endorsements, renewals, and claims management. Reports on production, claims, and reinsurance are also available from the system.

1. INSURANCE
ESKA® Insures
General Insurance
The General Insurance system automates and accelerates the
process of creating quotations, issuing policies, endorsements,
and claims, in addition to running reinsurance and renewal
transactions.
The system is dynamic and fully-integrated to better help
companies manage the full lifecycle of all General Insurance
functions and services. The system supports Islamic Insurance
(TAKAFUL) and is scalable to cater for new market demands due
to its parametric nature and flexible structure.
Main Functionalities
Setup
The Setup module allows defining the company’s standards for
Production, Claims, and Reinsurance through a comprehensive, ƒƒA variety of insurance classes and policy types including:
yet simple, parameterised system settings and rules. - Engineering - Aviation
Authorised system administrators can set and configure the - Property - Bonds
behaviour of all operations including Underwriting, Production, - General Accident - Energy
Claims and Reinsurance, whereby every definition represents a
set of business rules for the following: - Marine - Liabilities
- Causalities
ƒƒInsurance classes
ƒƒAutomatic calculation and auto-handling of all production
ƒƒPolicy types
transactions.
ƒƒInterest types
ƒƒEasy conversion of quotations into policies.
ƒƒCovers
ƒƒEnhanced and easy retrieval of historical information.
ƒƒClauses
ƒƒAutomatic import of interest from pre-defined Excel sheets.
ƒƒAgent commissions
ƒƒIssuing package policies by combining several classes of
ƒƒSurveys business in a single policy.
ƒƒProducts ƒƒHandling of various endorsement types that result in additional
ƒƒFees premiums or refunds including interest modification, interest
deletion, policy extension, and policy cancellation.
ƒƒDiscounts and accounts
ƒƒComprehensive underwriting processes including
The system provides the tools to build equations through an questionnaires execution, registration of required documents,
easy-to-use Rating Engine for automatic calculation of policy and surveyor inspection results.
premiums.
ƒƒCustomised and flexible payment cycles.
Production ƒƒMulti-agent and multi-currency support.
The Production module is responsible for the entire insurance ƒƒEfficient renewal of policies and recording of results, while
underwriting and is affected by the defined setup parameters. keeping track of quotation versioning and manipulating
It provides a fully automated process that covers proposals, covers and premiums.
quotations, policies, endorsements, open covers, certificates,
declarations, underwriting, financial integration and renewals.
The advanced system features support the following:
ƒƒDirect, Inward, Coinsurance Leader, and Coinsurance
Follower business types.

2. Claims
The Claims module resides on a repository of information and
validations retrieved from the Setup and Production modules
to facilitate and speed up the process of entering claims, while
eliminating human errors and fraud.
The Claims module records detailed information of claims and
claim transactions including claim interests, covers, claimants,
reserves, payments, recoveries and recovery collections.
The module provides a number of rich functionalities including:
ƒƒ Efficient management of claims operations and financial
information.
ƒƒAutomatic calculation of claims amounts.
ƒƒSupport for closing and reopening claims according to
authority levels.
ƒƒAutomatic generation and calculation of claims transactions
including reserves, payments, recoveries and recovery In addition, the system enables reinsurance users to perform the
collections. Accurate recording of historical information of following:
repaired orders and purchased parts for similar vehicle types ƒƒReinsurance transactions.
and models.
ƒƒGenerating reinsurance bordereaux for treaty reinsures.
ƒƒAssistance for user to estimate loss in order to allocate the
needed reserves subjectively and find the suitable parts with ƒƒPrinting out reinsurance slips for facultative reinsurance that
best possible prices. show up-to-date distributions, facultative placements, and
reinsurance statement of accounts.
ƒƒRegistration of all court cases and facilitated follow up and
recording of results for proper reporting. ƒƒIssuing loss advice and cash calls.
ƒƒEasy-to-use tools for users to attach claim documents and ƒƒAdjusting treaties, profit commissions and sliding scale
images of accidents for easier information retrieval. commissions.
ƒƒEarned/ unearned premium calculations per insurance class,
Queries
policy type, covers and policies.
ƒƒLoss ratio calculations on policy, insurance class, policy type, The Queries module is a powerful tool designed to generate
broker and customer levels. 2D and 3D printable graphical views of production, claims,
and reinsurance data using different types of charts (pies, lines,
ƒƒThe seamless integration between modules allows transactions columns, and bars).
to float between modules in a real-time fashion. This provides
up-to-the-minute accurate production and claims information, When the insured person inquires about insurance policies and
ready for retrieval and display at anytime. interest information, the system swiftly retrieves the policies,
interest information, claims and recoveries.
Reinsurance
Reports
The Reinsurance module is rich with powerful functionalities
to handle a variety of proportional and non-proportional The General Insurance system offers a comprehensive set
reinsurance, in addition to clean-cut treaties, and underwriting of production, claims, reinsurance and statistical reports to
years. empower insurance companies with information.
Different reinsurance methods are well supported and applied on All daily, detailed and summary production, claims and
policy, location and risk category levels, along with Accumulated reinsurance reports are supported by the system. Examples of
Risk Monitoring. Automatic and manual reinsurance calculations reports include; production lists, earned/ unearned reports,
are carefully designed and executed efficiently throughout the reports of outstanding claims, paid/ unpaid claims, recoveries,
system. and statements of claims.
A set of reinsurance reports are also available such as reinsurance
The system also supports other reinsurance operations including
slips, treaty statement of accounts, and treaty bordereaux.
PML/ EML, Top Location, and Maximum Shipment/ Carrying.
Moreover, the system enables users to define facultative plans
ESK/WA/FL-10:007Uen-Rev A
in order to automatically distribute shares within treaties and
facultative arrangements.
ESKADENIA Software, P.O.Box: 1555 Amman 11821 Jordan, Tel: +962 6 5510717, Fax: +962 6 5510719, E-mail: contacts@eskadenia.com