Health & Medical Insurance — UAE
Turning Spreadsheet-Driven Insurance Quoting Into a Governed Digital Platform
Nova is a white-label, B2C insurance quotation and lead-generation platform built to replace a UAE health insurer's manual, Excel-driven quoting process with a centralized, configurable digital system giving customers instant, accurate premium breakdowns, and giving internal teams a single source of truth for product data, pricing and lead pipeline.
- White-Label Platform
- Individual & SME Quoting
- Lead Generation
- Configurable Pricing Engine
Challenge
But before Nova, product configuration and quoting ran on spreadsheets.
Premium rate tables, benefit parameters, loading factors and optional add-on pricing were spread across spreadsheets that were difficult to maintain and slow to update. Individual quotes required staff or brokers to look up rates by hand, and SME and corporate quotes required manually parsing and validating census files, then aggregating per-member premiums slow, error-prone and hard to scale.
- Rates looked up by hand across age, gender, emirate and salary
- Every rate or benefit update required developer involvement
- Customer and lead data lived in disconnected files, not a central system
- Census files parsed and validated manually for SME and corporate quotes
- Quote outputs were inconsistent from one file to the next
Solution
Three pillars: configurable products, a governed pricing engine, self-service quoting
Nova, a centralized web application, is being built to replace spreadsheet-driven workflows.
Admin-Configurable Product & Pricing
- Administrators configure insurance products, plan tiers, base rates, adjustment factors, optional benefits, fees and loadings through an admin panel, with no code changes required
- A backend-owned pricing engine calculates every premium consistently, applying configured loadings, regional rules and optional benefit selections
Self-Service Quoting for Individuals and SMEs
- Individual users enter demographic and eligibility details directly
- SME users upload census files (Excel/CSV), which the system parses and validates before generating per-category premium breakdowns
- Both user types browse, filter and compare plans, select optional benefits, and receive branded PDF quotations with full benefit detail and premium summaries
- Every quote is saved to a persistent dashboard, so users and internal teams can review history, re-download documents and track status through to sales contact
Role-Based Internal Workflows
- Administrators manage the product and pricing catalog
- Sales and broker roles review quote pipelines and apply pricing overrides where permitted
- Operations users monitor contacted quotes and active users
- A secured pull API lets the insurer's CRM (Odoo) retrieve lead data, giving sales teams a structured hand-off from digital quote activity in place of manual exports
Key transformation
Centralised product knowledge: Rates, benefits and rules live in the database instead of scattered spreadsheets.
One pricing engine: Individual and SME quoting share the same engine and benefit configuration, improving consistency across individual, micro-SME, SME and IPMI offerings.
Eliminated manual document work: Branded PDF generation, configurable quote expiry, cloud-based census storage and Excel export for sales teams remove repetitive, error-prone manual effort.
Auditability built in: Pricing configuration changes are tracked through ConfigVersion history, with email notifications covering account verification, password reset and quote-related communications, plus a dedicated alert for high-priority insured-lead scenarios.
Business impact
Better customer experience
Self-service plan exploration and instant, transparent premium breakdowns replace waiting on manual quotes.
Operational efficiency
A single source of truth for product and rate data reduces rework whenever plans or loadings change.
Stronger sales pipeline
Captured lead data and quote status tracking, retrievable by the insurer's CRM through a secured integration, replace ad hoc spreadsheet exports.
Improved finance visibility
Quote-stage premium figures give finance visibility into proposed premiums ahead of later-phase payment processing.
Under the hood
Nova was built as a TypeScript monorepo for a scalable, white-label foundation.
| Layer | Technology |
|---|---|
| Frontend | Next.js |
| Backend API | NestJS |
| Language | TypeScript (Turborepo / pnpm monorepo) |
| Database | PostgreSQL (Prisma ORM) |
| Document storage | AWS S3 |
| Auth | JWT |
| CRM integration | Odoo (secured pull API) |
| Localisation | Bilingual (English / Arabic) |
See the platform
Nova is a foundation designed to grow: product configuration, pricing and quoting today, with an underwriting workspace, digital medical forms, online payments, policy issuance, renewals and a dedicated broker portal ahead.
Book a walkthrough- Health insurers
- Brokers & MGAs
- White-label quoting
- SME & corporate insurance