Claimoniz is a digital platform that finances the insurance receivables of healthcare providers in Saudi Arabia. Hospitals, clinics and labs typically wait months for insurers to settle approved claims; Claimoniz turns those pending receivables into working capital, so providers keep operating and growing without waiting for the payment cycle.
How it works: the provider submits claims through the platform; Claimoniz verifies the provider and the claims using Saudi national digital rails (identity, commercial registration, e-signature and electronic promissory notes), screens every claim for fraud, then finances eligible receivables under a Shariah-compliant Wakalah-based structure, with capital provided by partner funds. Collections are settled through controlled accounts, with full transparency to providers and capital partners.
Built for three audiences: healthcare providers seeking faster access to their receivables; payers and insurers who benefit from cleaner, verified claims; and capital partners seeking Shariah-compliant exposure to short-term healthcare receivables through a fully digital, monitored pipeline.
The platform runs on cloud infrastructure hosted in-Kingdom, with 24/7 security monitoring, independent penetration testing, and data protection aligned to Saudi regulatory requirements.
