Blog post 8
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Our capabilities reflect how we approach financial consulting in practice, combining structured thinking with disciplined delivery across complex mandates.
The health insurance market in KSA faces rising claims costs, medical inflation, shifting demographics, and inefficiencies. As regulatory updates and claims adjudication requirements evolve, the pressure on loss ratios has increased. To counter this, insurers need stronger underwriting discipline, digital claims processing, differentiated segment management, alternative care models, and preventive wellness programs to control costs and maintain competitiveness.
We support health insurers in Saudi Arabia through deep claims analytics, identifying cost drivers and optimization opportunities. Our team strengthens portfolio management, digital acceleration, and segment strategies, aligning top-line growth initiatives with P&L optimization. By bringing together our strategic financial advisory and insurance consulting experience with hands-on implementation, we help insurers in the health sector improve performance and profitability.
Claims pressures continue to rise across motor insurance in Saudi Arabia due to labor and repair cost inflation, higher accident frequency, and changes in vehicle mix. In addition, regulatory frameworks and ecosystem participants, such as Najm and Taqdeer, influence claims assessment. Insurers are increasingly deploying AI-driven analytics, automation, and usage-based technologies to optimize underwriting, claims management, and operational efficiency.
Ektis helps insurers differentiate their offerings while ensuring sustainable execution across the motor insurance value chain. We provide comprehensive insurance and financial consulting services, strengthening performance across pricing, underwriting, claims, and ecosystem coordination. Our work utilizes AI and analytics to reduce fraud and leakage, support digital enablement, and optimize operational efficiency.
Life insurance in KSA remains underdeveloped relative to the population size and market potential. Growth has centered on savings-linked, credit, and group life products, while pure protection and broader offerings remain underdeveloped. However, the market is evolving with increased digitization, simplified underwriting, and partner-led distribution. Now, embedded and employer-based channels reflect trends from mature life insurance markets and influence incremental adoption.
We enable growth in retail and corporate life insurance segments through product, distribution, and go-to-market strategies. Our team combines actuarial, commercial, and financial services consulting expertise across protection, savings, credit, and group life products. Ektis supports digitization, partner-led distribution, and embedded models to enhance segment penetration, improve profitability, and create scalable life insurance plans.
The general insurance sector in KSA is expanding due to macroeconomic growth across the B2C, SME, and corporate segments. Brokers and partners heavily drive distribution, and each segment has its own distinct risk profiles. Insurers must prioritize speedy underwriting, quick turnaround times, and effective reinsurance management. To maintain efficiency, competitiveness, and operational reliability, general insurance consultants increasingly depend on analytics, automation, and differentiated strategies.
Our insurance consulting and financial advisory services help insurers adapt to a changing market via clear growth strategies, optimized distribution, and digital enablement. We create scalable solutions, guide partner-led and embedded initiatives, working side by side with teams to implement strategy. This enables stronger market penetration, improved operational efficiency, and long-term sustainability. With expert financial consultants, we empower insurers to make informed decisions to enhance their competitive advantage.
Ektis is growing with people who value integrity, commitment, and genuine contribution. We work closely with institutions that depend on strong financial expertise.
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