الحج والعمرة· HAJJ & UMRAH
Sanadسند
Dynamic risk scoring and OCR-powered claims, settled in days, not weeks.
A smart Umrah travel insurance product that scores risk dynamically by traveler profile and season, then processes claims by reading medical invoices and reports directly — cutting settlement time from weeks to days.
السند الحقيقي ما وقف بجانبك حين تحتاجه
“A true backing is the one that stands with you when you need it.”
What Sanad does
Dynamic risk-based pricing
Premiums are scored from traveler age, season, health profile, and package type, not a flat one-size rate.
OCR-powered claims intake
Photograph a medical invoice or doctor's report and the platform extracts the data automatically — no manual form-filling.
Automated risk scoring on claims
Every claim is scored for fraud and consistency the moment documents are submitted, speeding genuine claims through.
Days-to-settlement, not weeks
Low-risk, well-documented claims can be approved and paid within two business days.
Live claim tracking
Pilgrims see exactly where their claim stands — extraction, scoring, or payout — at every stage.
Sovereign data residency
Medical and financial claim data stays in-Kingdom, PDPL-aligned and NDMO-classified.
See Sanad in action
An early UX walkthrough of the product, designed bilingually from day one.
Welcome
My policy
File a claim
Claim status
← Swipe to see more screens →
How it works
Get covered
A policy is quoted and issued in minutes, priced dynamically to the traveler's real risk profile.
Scan to claim
When something happens, a pilgrim photographs the invoice and report — OCR extracts the rest.
Automated scoring
The claim is risk-scored instantly against the policy and submitted documentation.
Settled in days
Approved claims are paid directly to the pilgrim's bank account within days of filing.
Turn a claim into a payout, in days
We're selecting design-partner insurers and Umrah operators for the first pilot cohort. Book a briefing to see the product and discuss fit.
Request a Pilot