Questions, Answered.

Claimoniz is Saudi Arabia's first digital healthcare financing platform. We partner with private clinics to provide instant liquidity by financing their approved insurance claims, so clinics can focus on patient care.

Our clients are private clinics and healthcare providers in Saudi Arabia who want faster cash flow from their approved insurance claims. Claimoniz does not provide medical services or financing to individual patients. Patients should contact their clinic or insurer directly.

Yes. Claimoniz operates as a Shariah-compliant healthcare claim financing platform under the oversight of the Saudi Central Bank (SAMA) Regulatory Sandbox.

Yes. Our financing uses Islamic finance structures, primarily the Wakala (investment agency) model, under the supervision of our Shariah committee. Our returns are fee-based, never interest-based lending.

Four simple steps: (1) Register and complete onboarding: KYC and clinic verification. (2) Submit your approved insurance claims manually or via API; our platform validates them with automated validation. (3) Receive financing quickly into your verified bank account after approval. (4) When the insurer pays, funds are split automatically per your agreement.

Eligible, validated claims can be funded in as little as 24 hours after approval, instead of waiting 45–90 days for the insurer to pay.

Our pricing is transparent and fee-based, in line with our Shariah-compliant Wakala structure. All fees (including VAT) are disclosed in your financing agreement before you sign. There are no hidden charges and no interest.

You will need your clinic's Unified Commercial Registration (CR) number, VAT number, bank IBAN with a bank certificate, national address, owner ID details, and your insurance company agreements, plus supporting documents such as the CR document and VAT certificate.

We run a full digital verification: OTP verification of your email and mobile, commercial registration verification through official sources (Wathq), identity verification of the owner via Nafath, and KYC/AML screening. Most steps are completed online within minutes.

Approved insurance claims issued to recognized insurance companies in Saudi Arabia. Each claim passes our automated validation process before financing is confirmed.

Two ways: upload claim batches manually through the Claimoniz clinic portal, or connect via API for automatic synchronization with your systems.

Insurer payouts flow into the designated collection account. The funds are then split automatically per your agreement. Claimoniz recovers the financed amount and fees, and the remaining balance is transferred to your clinic.

Our team monitors insurer payments continuously. If a payment is delayed or a claim is disputed, we work with your clinic on the reconciliation and settlement steps defined in your agreement. Your account manager will guide you through any shortfall arrangements.

Yes. We follow the Saudi Personal Data Protection Law (PDPL), apply bank-grade security controls, and operate under SAMA oversight. Sensitive documents are stored securely and are never publicly accessible.

Yes, but for your protection any IBAN change goes through a secure re-verification process, including bank certificate validation and approval by our operations team, before it takes effect.

An upcoming Claimoniz product that pays your medical suppliers on day one under a Shariah-compliant Wakala structure, while your clinic repays over convenient installments.

No. Claimoniz works exclusively with clinics and healthcare providers. Patients are never asked to pay Claimoniz, and we never request patients' personal or medical information through our public channels.

Your Claimoniz dashboard gives you a live view of everything: claim batches and validation status, financing requests, disbursements, repayment tracking, and downloadable reports and statements.

Start your application at claimoniz.com or schedule a demo through the Contact page. Registered clinics can raise tickets via the in-portal helpdesk. You can also reach us by email or phone listed on the Contact page and website footer. Setup is free, with approval in minutes.