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.

• Multi-level product creation by class and policy type.
• Pricing & payments configuration
• Accelerated quotation building
• Advanced underwriting
• Claims processing
• Sales network management
• Reinsurance administration
• Customer profile management
• Reporting & inquiry
• Notification and approval systems
• Takaful policy handling

Synthesize innovation and operations faster

Don’t let the ideas of your innovative workforce and a changing world become stifled by a brittle operations structure. ESKA General provides a flexible digital platform that moves as fast as you do, enabling you to harness innovation and drive real operational improvements.

Price your products with greater intelligence

ESKA General gathers in-depth information from across your operation to provide you smarter risk assessment, claims processing and product pricing. Maintaining a financially sound operation just got a lot easier.

Expand your capacity by going paperless

In a paper-based work environment, a single employee may lose hours a day to slow organization. Going paperless dramatically increases the efficiency of your employees and processing capacity while saving you on paper costs and office space.

Minimize the potential for error

By digitizing your organizational upkeep, you are no longer staking your operation’s success on the constant fulfilment of manual tasks prone to error. Let your employees dedicate their focus to their most consequential projects, and leave the busywork to your software.

Sharpen your operating efficiency

An insurance operation naturally generates a large array of transactions and new information; ESKA General provides you automated reporting and inquiry tools, so you can monitor key performance indicators and make better-informed adjustments throughout your operation.

Lay the foundation for proactive insurance in the information-age

More insurance companies today are implementing digital tools to help their customers proactively reduce risk. ESKA General lays the next step for enhancing your market presence and facilitating your customers’ wellbeing – all while keeping costs competitive.

TRANSFORM THE WAY YOU MANAGE YOUR INSURANCE OPERATION

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.