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 Wakalah business model. It provides a robust solution for retaining and distributing profits for each business line per insurance product. To help you design a Takaful-based 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.

Intelligently calculate Wakalah fees for specific policies under different policy types using a user-friendly setup.
Set attributes for each premium, including whether a premium is editable, discountable, formula calculable, basic, active, or linked to sum-insured.
Maintain auditing and transaction histories for your insurance policies.
Attach and track necessary fees and taxes to any policy type in your portfolio.
Manage premiums and claims under consolidated accounts with ESKA Financial.
Apply discounts or tariffs for any policy, policy type, or customer.