Rayato: Comprehensive Auto Insurance Management System

Smart, integrated, and real-time management of Third-Party Liability (TPL), Auto Hull (Casco), and Driver Personal Accident insurance—from policy underwriting to mobile claims assessment and settlement.

Rayato is Demis Holding’s advanced enterprise software solution for insurance companies, covering all operational, technical, and financial workflows of motor insurance across branches, agencies, brokerages, and headquarters. Powered by a dynamic rules engine, AI-driven fraud detection, and real-time integration with Central Insurance (SANHAB), Rayato maximizes speed, accuracy, and transparency across the entire policy lifecycle.

End-to-End Policy Issuance: Unified management from real-time history inquiry, automated premium rating, quotation generation, and policy issuance (individual and fleet) to endorsements, smart installment plans, and premium collection.
Smart Claims Management: End-to-end handling of traffic accident claims from First Notice of Loss (FNOL) and damage assessment (in-branch and on-site via mobile app) to accurate financial calculations, payment voucher issuance, electronic payout, and subrogation (recovery).

Why Leading Insurers Choose Rayato

Seamless Integration with Central Insurance (SANHAB)

Automated, real-time data exchange with Central Insurance servers (SANHAB), traffic police, and civil registry for instant policy authentication, No-Claims Discount (NCD) verification, and real-time validation.

Smart Loss Ratio Control & Fraud Prevention

Leveraging advanced fraud detection algorithms and automated system controls to identify suspicious claims, prevent illegitimate payouts, and optimize loss ratios.

Accelerated Mobile Claims Assessment

Significantly reducing processing times for property damage and bodily injury claims through our mobile adjuster app and automated liability calculations.

Dynamic Rules & Rating Engine

Enabling rapid configuration and updating of calculation formulas, discounts, regulatory tariffs, and internal underwriting guidelines without code changes.

Financial Transparency & Integrated Accounting

Direct connection between underwriting/claims workflows and the financial subsystem for automated accounting voucher generation, commission calculation, and bank reconciliation.

Centralized Headquarters & Sales Network Control

Real-time executive monitoring of branch and agent performance, credit limit management, debt control, and role-based access permissions.

Specialized Subsystems & Modules of Rayato

The Rayato platform comprises 8 specialized, fully integrated subsystems that cover all operational and supervisory requirements of auto insurance software:

Policy Issuance & Underwriting Subsystem

Manages the complete sales and underwriting workflows for Third-Party Liability (TPL), Driver Accident, and Auto Hull policies across the sales network:

Smart Rating & Inquiry: Accurate premium calculation based on approved tariffs, vehicle usage, No-Claims Discounts (NCD), and late-renewal penalties
Proposal & Quotation Issuance: Recording policyholder and insured vehicle details, pre-issuance inspection records, and issuing policy proposals
Individual & Group (Fleet) Issuance: Instant policy issuance for retail and corporate clients, supporting bulk issuance for organizations and transport fleets
Comprehensive Endorsement Management: Issuance of all endorsement types (additional/return premium, corrections, NCD transfer, ownership change, and cancellation)
Installment & Batch Payment Management: Defining flexible installment plans, issuing payment booklets and debit notes, and processing group premium settlements

Claims Management Subsystem

Complete end-to-end processing of property damage and bodily injury claims across TPL and Hull insurance policies with maximum speed and accuracy:

Claims Registration (Admission): Real-time policy verification and detailed recording of accident information, at-fault parties, claimants, and police reports
Technical Assessment & Calculation: Appraisal of damages and automated calculation of insurer liability, deductibles, and statutory deductions
Payment Voucher & Check Issuance: Issuing settlement vouchers and checks for beneficiaries or contracted repair shops
Electronic Payout: Real-time settlement and direct electronic fund transfer of claim payouts to the beneficiary’s bank account
Digital Document Management: Recording, uploading, and online viewing of all claim dossier documents and records

Mobile App for Financial Damage Assessment

A specialized field tool for claims adjusters to perform on-site appraisals at accident scenes or drive-through claims centers:

Zone-Based Vehicle Assessment: Recording detailed vehicle appraisals categorized by damaged parts and zones, including repair and replacement cost estimates
Object & Property Damage Assessment: Recording and evaluating third-party property, object, and infrastructure damages
Photo Gallery & Workbench Management: Capturing standardized accident scene and document photos with automated timestamp and GPS location tagging
Real-Time Server Synchronization: Instant transmission of assessment reports and accident photos to the central Rayato server for rapid voucher issuance

Subrogation & Recovery Subsystem

Smart management of subrogation and recovery workflows from negligent parties or other insurance companies:

Automated Recovery Calculation: Identifying recoverable claim files and accurately calculating subrogation amounts based on insurance regulations
Legal Department Integration: Creating recovery files and automatically routing recovery vouchers to the legal and finance departments for collection

Insurance Accounting & Finance Subsystem

Seamless integration of insurance operations with the insurer’s financial and accounting workflows:

Open Items & Reconciliation: Automated clearing of open banking items and matching deposits with issued policies
Commission Calculation & Payout: Automated calculation of sales network commissions (agents and brokers) and payment order generation
Duplicate Payment Resolution: Smart detection of duplicate deposits and prevention of redundant entries
Automated Accounting Vouchers: Generating standardized daily and monthly accounting vouchers ready for transfer to the core financial system
Refund Voucher Management: Processing refund orders for unidentified payments, overpayments, and return premiums

Headquarters Management Subsystem

Centralized governance and oversight of sales and underwriting policies across all branches and agencies nationwide:

Sales Profile Management: Defining sales terms, policy types, discounts, installment methods, and policy issuance rules
Issuing Unit Debt Control: Real-time credit limit monitoring and debt tracking for branches, agencies, and brokers
Access Level Management: Defining and managing role-based access permissions for issuing units across sales profiles

Fraud Detection & Verification Subsystem

Reducing loss ratios and preventing financial leakage through intelligent detection of staged or fraudulent claims:

Algorithmic Fraud Detection: Identifying suspicious claims using advanced diagnostic algorithms and data analytics
Fraud Verification Workflow: Automated routing of high-risk files to special investigators for verification prior to payout

SANHAB Integration Subsystem (Central Insurance)

Full compliance with regulatory requirements and web services of the Central Insurance electronic supervision system (SANHAB):

Automated Real-Time Sync: Automatic transmission of proposals, policies, endorsements, claim files, claimants, bodily injuries, payment vouchers, and recoveries to the Central Insurance server and instant retrieval of unique policy codes

Download Rayato Services Brochure

For more information regarding the features and specialized modules of the Rayato system, you can download the product brochure.