1. Contact us:
Centegy Technologies
c/o Sidat Hyder Morshed Associates
207 Al Fattan Currency House Tower 2
DIFC District Dubai, United Arab Emirates
imran.ali@centegytechnologies.com
insurance@centegytechnologies.com
Unparalleled R&D experience,
insurance solutions expertise
and consulting
www.centegytechnologies.com
T E C H N O L O G I E S
CENTEGY
NURTURING
INSURANCE

2. Nurturing Insurance
Centegy Technologies - Business Solutions & Beyond
Introduction
With a rich history spanning 25 years, Centegy Technologies, formerly Sidat Hyder
Morshed Associates, is regarded as one of the most trusted information systems consulting
firms. Our reputation is built on helping our customers achieve success; skillfully and
diligently. This motto has earned Centegy Technologies unquestionable credibility and
continues to drive our behavior, every day!
Since 1986, we have provided information systems and consulting to clients across
Financial Services (Insurance and Banking), Retail and Mobile industry verticals. Our clients
include small businesses as well as multinationals that regularly feature in the Fortune 500
list.
While we invest heavily in our people, research and development, and business
knowledge, we maintain an honest view on what will work for our customers. This
commitment to giving the right advice and solutions, ensuring success, has enabled us to
be recognized as a trusted strategic business partner at our clients.
Insurance Solutions
Our insurance solutions cover the breadth of life and general insurance, including health
(medical) and takaful. Designed by a team with deep industry knowledge and
technology expertise, our insurance solutions will comfortably cater to your business
requirements. Add to this, the strength of existing successful implementations in Middle
East, South Asia, Saudi Arabia and Africa, our teams, including actuaries, are highly
trained and well versed with insurance best practices to advise on business process and
strategy.
Our core administration software are complemented by a suite of front end sales tools
for agents and partners (e.g. Bancassurance) and a portal for customer interaction. The
inherent strength of this combination is one that gives your organization a fully integrated
model to service your customers.
The following pages contain details of our insurance solutions offering.
We look forward to hearing from you soon!

3. Contents
Conventional
04 Individual Life Administration System
06 Group Life Administration System
08 General Insurance System
10 Health Insurance System
Takaful
12 Family Takaful Administration System
14 General Takaful Administration System
Channels
16 Illustration
18 Bancassurance
20 Telesales
22 MobizAssure
24 BrokerReady
Customer Centricity
26 eCARE

4. With implementations across the Middle East, Saudi Arabia,
Africa and South Asia, our team of insurance and
technology experts are experienced and fully conversant
in industry best practices
ILASIndividual Life Insurance
Given the unpredictable lifestyle of our era, individual security and family well being,
protected through life insurance is taking on greater importance. In similar fashion,
you need a solution that you can rely on to service your customers and provide
them the security they expect. Designed in concert by actuaries, subject matter
experts and IT inventors, iLAS is your solution to life insurance policy administration
and management.
From New Business to Reinsurance and Accounting, our solution can easily integrate
and automate your business model through user-friendly configurable business
controls. A comprehensive business rules engine governs iLAS, giving you the flexibility
to modify process as well as introduce innovative features and new products rapidly;
thus allowing you to stay on the cutting edge of the industry and ahead of your
competitors.
A glance at iLAS features
* Canvas®, providing you superior business model flexibility
* Capable of managing Conventional, Cooperative and any variation of these
models
* Framework for Pure Risk, Conventional, Account value, Unit link and Hybrid products
* Seamless Salesforce and Commission management across channels
* Automated follow ups of Renewal, Lapses and ANF using Scheduler®
* Generation of Reinsurance border-eau & mathematical (actuarial) reserves
* Automated reversal of activities, integrated with General Ledger
* Fully integrated with General Ledger and Accounting
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5. Our proficient delivery, competent implementation
and well-organized support service enables us to
exceed our clients’ expectations
GLASGroup Life Insurance
Employee productivity and well-being are two of the most important determinants
of economic output today. Our Group Life Administration System (GLAS) provides
you with rich functionality allowing you to administer and manage group life
policies for your clients so that they can rest comfortably in the knowledge that
you have them covered.
GLAS (Group Life Administrative System) provides a modern comprehensive solution
to insurance companies dealing with Group Life, which enables them to do away
with disorganized back-end processing functions and deliver unparalleled
customer service and focus resources on critical business operations efficiently.
Some of the key features of GLAS are
• User friendly and flexible setup of new products, benefits, premium and claim
calculation formulas
• Data uploading facility to upload insured persons into Quotation, Policy and
Alteration modules
• Generation of medical requirements (for over FCL and over age insured persons)
including auto-charging the additional premium on the basis of loaded percentage
• Auto/manual alterations dependent on defined business rules
• Comprehensive claim module from registration to settlement of claims
• Fully integrated quotation, policy, claim and re-insurance modules
• Generation of receivable & payable accounting entries directly into General Ledger
from policies, agents, re-insurance & co-insurer modules
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6. GISGeneral Insurance
Most of our worldly possessions are protected and secured through insurance. As
awareness and penetration continue to grow, it is essential that this insurance is
administered through a robust system that has been designed by insurance experts.
The General Insurance System is such a system; built on solid technical foundations
and underpinned by superior industry knowledge. GIS is a comprehensive solution to
policy administration including key areas such as product design, underwriting,
claims and reinsurance. The system also offers financial management and, critically,
MIS which provides up to the minute, real time performance monitoring.
With multiple successful implementations and 20 years of product development
experience, GIS has continuously demonstrated its reliability to support and enable
clients.
The GIS offering includes
• Online and fully integrated underwriting, claim, accounting and re-insurance.
• Vastly categorized products terms and conditions
• Over 200 pre-designed reports covering all areas of operation and
management reporting
• Covers multi-language, multi-company, multi-branches, multi-currency
environment
• Full featured accounting system covers from voucher creation to financial
reporting
• Plug-ins including a self service portal and agency sales module providing
ability to sell policies online
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GIS grows with your business needs

7. Making your job easier, simpler and better
HISHealth Insurance
In the modern era of healthcare; a powerful business solution is a key factor to gain
a competitive edge in the health insurance marketplace. HIS (Health Insurance
Solution) boosts the overall performance of your business by providing
customer-centric operations which improves overall productivity and enables
strategic decision-making.
The flexible product setup module enables you to configure wide range of health
products. Additionally, the solution provides a user friendly pre-authorization and
claim management interface. Through our Health Insurance Solution, ensure that
your operations remain hassle-free, giving you a competitive edge in a highly
competitive market.
The system provides business features such as
• Product redesign during policy period, including per person, ailment,
confinement and coverage facility
• Comprehensive GEL and pooling mechanism maintain policy / per live
reinsurance
• Inpatient / outpatient covers limit
• Census base quotation generation
• Excel base data uploading for large portfolio of policies
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8. 12
FTASFamily Takaful Administration System
Wishing to protect and plan for your family, in accordance with Shariah principles, as
a concept is starting to gain serious traction across the global village. The growing
acceptability and popularity of Family Takaful with millions of would-be consumers
signals immense growth opportunities for the Takaful sector.
Our Family Takaful Administration System, with successful existing implementations,
has been tested and is capable of meeting the strenuous demands of various
Takaful models. Designed and vetted by renowned Takaful experts, we are
confident our system can not only administer your business but allow you the peace
of mind to focus on how to achieve that next stage of robust growth.
Features specific to Takaful include
* Capability to handle various takaful models and their variants as practiced in
different markets from Malaysia to Middle-east and Africa
* Configuration of Takaful products including funds, Wakala fee, Modarbah,
PIA/PRA/SH
* Deduction of allocation charges, mortality/risk and administration charges of
each fund individually
* Deduction of Wakala fee from mortality/risk charges.
* Separate accounts for Participant Investment account, Participant Risk
account and Shareholder account
* Surplus share distribution to participants in their accounts as per the
percentage defined
* Generation of Retakaful bordereau
* Fully integrated with General Ledger and Accounting
Providing you unparalleled expertise to succeed in
Family Takaful

9. 14
GTASGeneral Takaful Administration System
The General Takaful industry is in good company. As one of the few industries which
are poised to take off rapidly over the next few years, Takaful companies are
gearing up to ensure their operating models and systems are in shape.
This is where having a partner with the right expertise and business knowledge,
gained over 20 years is essential. Our GTS provides you a web enabled platform that
supports Wakalah for risk operations and Modarbah mode for investment income.
Enabled through simple product configuration and policy administration, combined
with a rich business intelligence layer, our General Takaful System is the right solution
to power your business.
Salient features include
• Accounting matrix to book premium for Share Holders Fund (SHF) and
Participant Takaful Funds separately (PTF)
• Definition of Wakala Fee Share
• Commission calculation on Share Holder Fund (SHF) or Participant Takaful
Fund (PTF)
• Surplus calculation based on defined percentage for each year by class of
business
• Allocation of expenses between SHF & PTF
• Claim & Re-takaful will be done from PTF only
• Ex-gratia claims will be processed from SHF
• Separate booking of Investment Income in SHF & PTF
• Allocation of Modarbah fee, calculated on PTF investment income, to SHF
Giving you the peace of mind you deserve

10. Equipping your business with real time information,
available anywhere
Illustration
In the fast paced world of business, success lies with those who are equipped and
can leverage information available 24 hours a day, 7 days a week.
The Illustration application allows agents and channel partners to work anytime,
anywhere with prospective clients and gives an organization access to customer
information no matter where the location.
The application supports a high degree of automation and easy support for
decentralized units to reduce operational costs and optimize resource utilization.
Enhancing mobility, it is capable of running on stand-alone mode on agent laptops
or on any PC installed with any operating system.
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Features include
• Products uploaded to laptops/personal computers or downloaded from
company servers.
• Generation of illustration including premium, sum assured and projected
maturity value
• Auto-save feature for each illustration and provision of reference number –
allowing efficient record management and processing when client wishes to
proceed
• Demonstrate multiple illustrations using various scenarios – increasing
chances of sales

11. Bancassurance
Technology innovation is a key enabler in driving insurance penetration globally.
We promise to equip your business with proven industry leading solutions that can
drive exponential growth. Bancassurance, as a channel for the insurance industry, is
responsible for driving significant growth. Our leading Bancassurance solution ensures
your presence across partner banks and branches maximizing your chances of
acquiring new customers.
The solution’s flexible and feature rich architecture permits you to issue policies at the
POS by leveraging product features and underwriting guidelines configured in the
core insurance system. This real-time, dynamic interaction between iLAS and
Bancassurance guarantees benefit from the latest technology; granting you the
privilege of making efficient business decisions while empowering your business with
the most significant best practices in the market.
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Keeping it simple; minimizing data entry to maximize
sales success!
The solution offering includes
* Auto computation of plan/rider premium and product fee
* Auto validation of product configuration rules and policies
* Generation of Illustrations depicting premiums, cash and account values till
maturity
* Online medical questionnaire
* Auto Underwriting to determine medical or non-medical cases
* Generation of reports for daily/weekly/monthly target evaluation

12. Telesales’ extensive platform is ideal for phone sales,
appointment setting and prospecting
Telesales
New business acquisition and maintaining existing customers is the lifeblood of any
successful business. Our Telesales application enables sales and telemarketing
contact centers to seize opportunities to service and acquire customers. Telesales
facilitates you in exceeding your sales targets using proven telemarketing techniques
and is capable of running at any call center at the insurer, partner or bank.
The application interacts with our iLAS solution, facilitating sales via telephone while
maintaining data integrity on the core system. Customers can send their premium
payments through multiple payment modes including credit cards. Call center
agents can gather relevant medical details, answer inquiries and discuss prospective
scenarios on projected illustrations. And all this can be done while on the phone with
the customer!
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The solution provides seamless integration with thrid party
CRM module
Additional features include:
. Online premiums and underwriting
. Daily report allows partners to evaluate their targets
. Automatic commission calculation, along with General Ledger entry
. Automatic product validation based on defined business rules
*(Subject to the availability of POS terminal for credit card authorizations)

13. MobizAssure
Combining the mobility phenomenon gripping the world with innovation in
insurance, MobizAssure helps you bring a paradigm shift to the insurance industry,
tapping new customer segments and leapfrogging competition.
Our solution provides a perfect blending of traditional business development
technique with emerging mobile insurance trends to enable business activity from
the remotest of locations using an application on your handheld devices, be it as
mobile phone, smart-phone or tablet.
MobizAssure boosts your business by offering multiple channels at a time, giving you
unparalleled sales and customer service improvements, all whilst maintaining data
integrity via a secure connection.
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Features include
. Real-time decision making using intelligent underwriting
. On-the-spot policy issuance, through Centegy’s proprietary SMS/Text
Message protocols
. Access to real time policy information (personal information, financial value)
. Generation of Illustration and policy documents
. Online data transfer to core-system
Discover new dimensions, demographics and
dynamics

14. BrokerReady
Brokers are the life blood of the insurance industry. Our BrokerReady solution provides a
comprehensive application to manage insurance company offerings and a robust engine
to cater to distinct customer segments.
Managing quotations, converting prospective customers into insured clients, through to
reconciliation of accounts with insurers are glowing features.
BrokerReady generates accounting entries on each financial transaction and is fully
integrated with a General Ledger, for e.g., on preparation of cover-notes, system generates
accounting vouches for premium, commission, brokerage fee etc.
BrokerReady allows you to run an efficient to maximize
profits through
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BrokerReady enables high quality customer
service and efficient exchange of information
with insurers and customers alike
• Flexible interfaces providing unlimited information capture for life & non-life
products
• Faster processing of quotes, making your business simple and cost effective
• Equips you to deal with your clients and insurance providers in the most
advanced and quick fashion
• Powerful search & comparison engine facilitates presenting best options for
customer
• Reusable sales inquiries aid you generating best quotes based
on client risk profile

15. Your window to the world of business and
insurance
eCARE
Every organization desires information to be presented through a single lens. eCare
is your window to the world of insurance and customer centricity. A one stop-shop
for business partners and customers, eCare improves the flow of information,
enhancing productivity and customer satisfaction.
Designed to cater across a host of channels, eCare embodies flexibility with the end
user in mind. Leveraging web technology, the solution can be adapted to your
agencies, customers or channel partners to offer them real-time insight into their
business so that they can make real time decisions. By using eCare, you can reduce
your dependence on support staff and focus your resources on strategic activities to
grow your business.
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* Policy cash value or number of units
* Previous claim history
* Policies ready for renewal (for Agents)
* Region and branch wise written premiums
* Fund allocation
Simple and user friendly, eCare can provide the
following information

16. T E C H N O L O G I E S
CENTEGY
INSURANCE SOLUTIONS
www.centegytechnologies.com