QAID Program Qorus-NTT DATA Innovation in Insurance Awards 2026
Saudi ArabiaCategory
Distribution ReinventedKeyword
HR & New ways of working, Marketing & salesBusiness Line
Accident Insurance, Commercial Insurance, Health Insurance, Healthcare, Home Insurance, Motor insurance, Life Insurance, Liability InsuranceDistribution Channel
Online / Direct
Innovation presentation
The Problem:
The KSA insurance industry faces significant challenges from informal, unauthorized distribution networks, often unlicensed individuals operating via digital channels like Haraj. This creates systemic risks, including data manipulation, mis-selling, and non-compliance with Saudization mandates.
The Solution:
QAID addresses this by formalizing the sector through a "Phygital" (Physical + Digital) model. The program onboards Saudi nationals as authorized advisors, equipping them with digital tools to sell insurance products within their local networks.
Implementation:
The initiative utilizes a controlled, digitized onboarding and training process, requiring mandatory IFCE certification. The platform is fully integrated with national systems like Nafath and Absher for identity validation and secure, real-time policy issuance. A dedicated back-end dashboard allows for granular monitoring of advisor performance and compliance via a Balanced Scorecard approach.
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