Beakwise logoBeakwise logo
BeakwiseBeakwise
Demo

Core system, digital channels and AI to modernise insurance in Tunisia

INSURANCE MODERNISATION IN TUNISIA

Core system, digital channels and AI to modernise insurance in Tunisia

Beakwise brings together insurance contract administration, claims, digital distribution, payments, partner management, data and AI in a single transformation capability. Our North African experience provides the foundation for a solution whose adaptation to the Tunisian context is validated with your company.

Request a POC session within 7 daysExplore the Tunisia architecture

After an initial scoping call, our experts prepare a session tailored to your company, your priorities and your operating environment.

Proven North African experience
Core system, digital, data and AI
Arabic, French and English
On-premise, private cloud or hybrid deployment
Paper-based claimsDigital claims declaration
Manual premium collectionIntegrated payment and reconciliation
Manually produced reportsStructured, traceable data
Regional foundation

A proven foundation. Localisation built with your company.

Beakwise draws on hands-on experience transforming insurance in North Africa, covering core systems, digital channels, claims, partner networks, payments, document management and business integrations. For Tunisia, we adapt this capability to each insurer's organisation, products, rules and existing systems.

  • Scope covering core system and digital channels
  • Claims and partner network processes
  • Multilingual implementation, including Arabic
  • Data migration from legacy systems
  • Integration with external systems
  • Supported production go-live in North Africa

Regional experience reduces transformation risk. The POC session validates what needs to be configured, integrated or localised for your company in Tunisia.

At a glance

Beakwise brings together core insurance system, digital distribution, payments, data and AI in a single transformation capability, configured and validated for each Tunisian insurer through a POC session.

This page distinguishes proven capabilities from the configuration and integrations specific to the Tunisian market, and presents the personalised POC session prepared within 7 days.

The Tunisian market is entering a new phase

The Tunisian insurance market exceeded TND 4 billion for the first time in 2025. The rise of electronic payments, the digitalisation of the motor accident report and growing policyholder expectations make operational modernisation a priority.

TND 4.255bn

Market net premiums in 2025 (+11.4%)

TND 2.919bn

Non-life insurance (+9.3%)

TND 1.336bn

Life and capitalisation (+16.4%, 31.4%)

TND 1.628bn

Motor (38.3%)

TND 2.363bn

Claims settled (+6.1%)

Source: Comité Général des Assurances (CGA), 2025 results.

Market potential

Tunisia's economy and population represent significant long-term growth potential for insurers that can broaden distribution and streamline customer journeys.

Regulatory evolution

The insurance framework is evolving: strengthened statistical and solvency reporting under the authority of the Comité Général des Assurances (CGA), stricter AML/CFT controls, and heightened personal data protection requirements under Organic Law 2004-63 and the INPDP, across increasingly digital processes. Recent CGA measures in 2025 reinforce this trajectory: an automatic data-collection platform (Règlement 02/2025), reporting obligations (the amendment to Règlement 01/2021) and outsourcing arrangements (Règlement 03/2025).

Digital expectations

The launch of the electronic accident report (E-Constat) by the FTUSA in 2025 illustrates the sector's digital acceleration. Customers, agents, brokers and partners expect faster, more transparent journeys accessible across multiple channels.

Existing systems

Legacy systems often remain mission-critical, but point-in-time integrations and manual processing can require additional extensions and handling, progressively increasing costs, lead times and operational risk.

Why act now

Four converging dynamics make operational modernisation more of a priority than before for insurers.

Payments and reconciliation

The growth of electronic payments and card-based transactions demands more integrated collection, reconciliation and traceability workflows for premium billing and claims settlement.

Data, oversight and traceability

Insurers are strengthening data governance, AML/CFT controls, audit trails and personal data protection, governed by Organic Law 2004-63 and the INPDP.

Policyholder and distribution-network expectations

With the digitalisation of the motor accident report and customer journeys, agents, brokers, bancassurers and partners expect faster, more transparent services accessible across multiple channels.

Technical debt

Each point-in-time integration and manual workaround adds operational risk and slows change. Consolidating these into a maintainable platform lowers the long-term cost of running and evolving the business.

Target architecture

A target architecture designed to be validated with your company

From engagement channels to the core system, spanning orchestration, data and integration targets: a modular architecture to be configured according to your organisation and existing systems.

How to read our capabilities

Proven Configurable Integration-ready POC validation

Interfaces, formats, authorisations and responsibilities specific to each integration are confirmed during the technical scoping phase.

Engagement

Customer and policyholder portal
Mobile application
Agent and broker portal
Messaging and SMS
Contact centre

Core system and operations

Beaksurance Suite
Contract administration
Claims
Underwriting
Premium billing and invoicing
Reinsurance
Insurance accounting

Integration targets

Payment and card providers
Banking and postal channels
Partner networks
Regulatory reporting
Existing core system
ERP, accounting and electronic signature

Partners and regulatory

Authorised repairer networks
Hospital and medical networks
Insurance experts
Bancassurance partners

Orchestration and intelligence

Process management and document handling
Communications and document processing
Audit trails and controls
Data, analytics and AI assistance

Institution and system names (Monétique Tunisie, E-Constat, CGA, FTUSA, TunTrust, INPDP) are presented as integration models. The corresponding connector is scoped and validated during the POC.

Payment architecture

Architecture prepared for integrating card transactions, online payments and bank transfers via banking and card channels, subject to available interfaces. Status: Integration-ready.

Arabic and French document processing

Intelligent processing of insurance documents in Arabic and French: contracts, claims declarations, medical reports and regulatory documents. Status: Configurable.

Multichannel communications

Renewal reminders, claims status updates and notifications via instant messaging, SMS and email. Status: Configurable.

Regulatory data

Audit trails and preparation of data and reports for the Comité Général des Assurances (CGA). Compliance is validated with your company. Status: Configurable.

Data residency

On-premise, private cloud or hybrid deployment, enabling a hosting architecture aligned with requirements validated with the company and its advisors. Status: Configurable.

See how this fits your environment

A modular platform for the full insurance management lifecycle

A modular foundation to evolve products, rules and operations without a disruptive big-bang replacement. Each module is configured for your company; integrations specific to the Tunisian market are scoped and validated during the POC.

CORE

Modernise the core insurance system

Contract lifecycle management across all lines of business, product and rating configuration, underwriting, premium billing and invoicing, reinsurance and insurance accounting, with audit trail and phased migration.

CLAIMS

Digitalise claims management

Claims management from declaration through investigation, assessment and settlement. Expert networks, medical and legal service providers, reserves, recovery and subrogation, status tracking and document management.

DISTRIBUTION

Connect distribution and partners

Portals for policyholders, agents, brokers and partners. Bancassurance, self-service, commission workflows, embedded insurance gateway, API management and customer communications.

FINANCE

MoneyIO financial flow orchestration

Management of collections, disbursements, refunds, commissions and financial reconciliation. Interfaces with banking, card and postal channels are scoped against your operating environment.

PARTNERS

Partner network management

Lifecycle management of authorised repairer networks, hospital and medical service providers, insurance experts, legal professionals and bancassurance partners.

AI

Intelligent document processing

AI-assisted document processing for insurance documents in Arabic and French: classification, data extraction, optical character recognition (OCR) for printed and handwritten text, and routing to the appropriate workflow.

AUTOMATION

Process orchestration

Visual process designer for insurance operations: quotation and underwriting, claims management, renewals and regulatory reporting preparation, with service-level tracking and escalation.

GOVERNANCE

Automate finance, data and compliance

Regulatory data preparation aligned with the insurance chart of accounts, data governance, audit trails, document processing and operational analytics. Compliance is validated with your company and its advisors.

DECISION

Analytics and decision support

Operational dashboards, underwriting profitability analysis, claims-cost drift monitoring and predictive models. Reporting architecture prepared for future IFRS 17 adoption.

Discuss your module priorities
Tunisia scenarios

Scenarios to configure for Tunisian market priorities

For each priority, we distinguish existing capability from the configuration and integration specific to your company, and from what is validated during the POC.

Integrated motor claims processing

Operational challenge
Claims processing often remains paper-intensive, with delayed expert assessments and limited status visibility for policyholders.
Existing Beakwise capability
End-to-end claims workflow: digital declaration, expert assignment, repairer networks, reserves, recovery and policyholder status tracking.
Tunisia-specific work
Adapted to your company's motor products and rules; digital accident report (constat amiable) capture and liability analysis set up with your teams.
POC validation
Architecture prepared for integration with electronic accident report systems (E-Constat) and inter-insurer exchanges; interfaces, access and formats confirmed during scoping.

Digital distribution for agents, brokers and bancassurance

Operational challenge
Agent, broker and bancassurance networks often lack unified tools for underwriting, portfolio management and commission tracking.
Existing Beakwise capability
Agent, broker and partner portals with underwriting, portfolio management, commissions and policyholder self-service.
Tunisia-specific work
Roles, distribution hierarchies, commission structures and bancassurance journeys adapted to your organisation.
POC validation
Integration with directories and existing systems to be scoped; channel scope confirmed.

Premium collection, reconciliation and tracking

Operational challenge
Expanding payment channels without automating reconciliation creates discrepancies, delays and manual processing overhead.
Existing Beakwise capability
MoneyIO orchestrates collections, disbursements, refunds, commissions and financial reconciliation.
Tunisia-specific work
Interfaces with banking, card, electronic payment and postal channels are scoped against the company's operating environment and available interfaces.
POC validation
Transaction flow, exchange format, security, rejection handling, reconciliation and accounting treatment.

Insurance documents in French and Arabic

Operational challenge
Documents arrive in multiple formats and languages, and manual handling slows operations.
Existing Beakwise capability
Intelligent document processing in two languages: classification, data extraction and OCR for printed and handwritten text, with human review.
Tunisia-specific work
Document templates, document types and processes adapted to your lines of business and operations.
POC validation
Representative document samples from your company tested to calibrate extraction and confidence thresholds.

Core system and phased migration

Operational challenge
Replacing an existing core system in a single cutover carries high risk; coexistence is often preferable.
Existing Beakwise capability
Modular core system and coexistence models: API facade, process orchestration layer, digital channels on top of an existing system.
Tunisia-specific work
Priority line of business or product, phased migration plan and parallel-run approach.
POC validation
Mapping of existing data structures carried out during scoping, according to available interfaces.
Choose a use case
POC session within 7 days

A company-specific POC session, prepared within 7 days

Share a business priority, a process or a pain point. After an initial scoping call, Beakwise prepares a demonstration and validation session (proof of concept, POC) tailored to your company and the Tunisian context.

  1. 1Day 1

    Scoping

    A 45 to 60 minute call to understand your operating environment, priorities, systems and expected outcomes.

  2. 2Days 2 to 5

    Preparation

    Scenario configuration, architecture mapping, integration analysis and success criteria preparation.

  3. 3Within 7 days

    Tailored session

    Presentation of the configured scenario, target architecture, assumptions, identified gaps and proposed scope for a full POC.

What you take away

  • Company-specific process scenario
  • Tunisia architecture mapping
  • Configured demonstration
  • Assumptions and gap register
  • Integration questions
  • Proposed scope for a full POC
  • Success criteria
  • Indicative phased roadmap
Request my POC sessionChoose a use case

The session prepared within 7 days is a scoping exercise and personalised demonstration. The scope, connectors, data and regulatory validations of a full POC are defined with your company.

Move forward in stages, without a disruptive cutover

A full core system replacement is only one possible roadmap among others. Coexistence and phased modernisation reduce risk.

  1. 1

    Diagnostic and prioritisation

    Assessment of the current landscape and identification of the highest-value priorities.

  2. 2

    Tailored POC session

    Configured scenario, target architecture and identified gaps, prepared within 7 days.

  3. 3

    Assessment and roadmap

    Scope, dependencies, milestones and production go-live criteria.

  4. 4

    Phased deployment

    Phased implementation, module by module or line of business by line of business.

Coexistence models

  • API facade on top of the existing system
  • Process orchestration layer
  • Digital channels on top of an existing system
  • Claims-first modernisation
  • Line-of-business migration
  • Phased data migration
  • Parallel run for validation, then controlled cutover
Discuss your roadmap
Governance and localisation

Localisation goes beyond translation

Adapting a platform to the Tunisian market touches products, rules, accounting, reporting, documents, partner roles, payment flows, data protection, hosting and security.

  • Products and pricing
  • Business and underwriting rules
  • Insurance accounting and reporting
  • Contracts, documents and communications
  • Arabic (right-to-left), French and English
  • Partner roles and payment flows
  • Personal data protection and hosting
  • Security architecture, audit trails and integration specifications

Regulatory and legal requirements are validated with the company and its local advisors. Beakwise provides the technical capabilities, controls and traceability required to support the compliance framework.

Takaful Insurance

Ready to configure for Takaful

Tunisia incorporated Takaful insurance into its Insurance Code (Code des assurances) through Law No. 2014-47 of 24 July 2014. Our architecture provides the technical foundation for Takaful operations, to be configured with your business teams and Sharia supervisory board.

Takaful insurance is governed by the Tunisian Insurance Code (Code des assurances) and has specialist operators in the market. Insurers that position themselves in this segment can support demand for Sharia-compliant products, across non-life as well as life and family lines.

Our platform provides the technical architecture for Takaful operations: separation of participant and shareholder funds, configurable Wakala and Mudaraba fee structures, surplus distribution and reporting for the Sharia supervisory board. Sharia compliance certification rests with the board designated by the insurer.

Law 2014-47

Takaful framework incorporated into the Tunisian Insurance Code

Wakala and Mudaraba models

Configurable agency fee (Wakala) and profit-sharing (Mudaraba) structures by line of business.

Participant fund separation

Separation of participant and shareholder funds, with independent tracking, accounting and reporting.

Surplus distribution

Surplus calculation and distribution to participants according to configurable rules and notification workflows.

Sharia board reporting

Reports for Sharia supervisory board oversight: fund purity and investment compliance.

Retakaful reinsurance

Support for Retakaful arrangements: treaty management, cessions and reporting compatible with partner requirements.

Discuss Takaful configuration
AI assistance

Data, analytics and AI assistance

Document processing, claims support, underwriting assistance and pattern detection, built for Arabic and French insurance documents common across North African markets.

Bilingual document processing

When an insurance document in Arabic or French arrives (a claims declaration, medical report, expert assessment or regulatory document), the AI classifies the document type, extracts structured data fields and routes it to the appropriate workflow, with a confidence score and human review queue.

Arabic or French document
AI classification and extraction
Structured data and routing

Arabic and French OCR

Arabic and French document extraction. Support for printed, handwritten or degraded documents is evaluated against a company-provided sample set during the POC.

Claims support

First notice of loss (FNOL) support, photo-based assessment assistance and reserve adequacy estimation, with human review.

Underwriting support

Risk assessment assistance drawing on historical claims data and portfolio benchmarks, with quotation generation.

Pattern detection

Pattern recognition across claims, contracts and service provider networks to flag cases for further investigation.

Explore data and AI capabilities
Let us prepare your session

Tell us your priority

Speak with our North Africa team for a confidential scoping conversation. We tailor the session to your company, your priorities and the Tunisian context.

Scoping conversation

A session with our architects to understand your operating environment, priorities and systems.

Configured demonstration

A scenario tailored to your company: claims, distribution, payments or documents, according to your priority.

Scope and roadmap

Assumptions, identified gaps, proposed scope for a full POC and phased roadmap.

Request my POC sessionChat on WhatsApp
Response within one business day
Confidential and no-commitment

Our conviction: by modernising their operations and reporting, Tunisian insurers that act early can gain operational efficiency and strengthen their market position over the decade ahead.

Beakwise

Frequently asked questions

Tunisia insurance glossary

CGA
Comité Général des Assurances. The insurance sector's supervisory authority, with legal personality and financial autonomy, under the authority of the Ministry of Finance. It oversees policyholder protection and the financial soundness of companies, and publishes market statistics.
FTUSA
Fédération Tunisienne des Sociétés d'Assurances. The professional body for insurance and reinsurance companies. Behind the electronic accident report (E-Constat) launched in 2025.
Code des assurances
The legislative framework governing insurance and reinsurance activity in Tunisia. It defines the rules of underwriting, management, solvency and supervision, and has been extended to cover Takaful insurance.
E-Constat
Electronic motor accident report launched by the FTUSA in 2025. A mobile application to record the accident, add photos, capture GPS location and share data between drivers.
INPDP
Instance Nationale de Protection des Données Personnelles. The independent authority responsible for applying the personal data protection law; it receives prior declarations and authorises certain processing operations and transfers.
Law 2004-63
Organic Law No. 2004-63 of 27 July 2004 on the protection of personal data. It governs the collection, processing and transfer of personal data and establishes the INPDP.
TunTrust (ANCE)
Agence Nationale de Certification Électronique, operating under the commercial name TunTrust, is Tunisia's national root certification authority. It issues the qualified certificates used for electronic signatures and seals.
Monétique Tunisie
National card and mobile-payment switch and bill-payment aggregator. It handles interbank switching of card and mobile transactions and associated payment services; any integration depends on the available services, interfaces and access.
Takaful
Cooperative insurance based on mutual assistance and risk-sharing, incorporated into the Tunisian Insurance Code by Law No. 2014-47 (2014) and supervised by a Sharia supervisory board.
Bancassurance
Distribution of insurance products through banking networks. A significant channel in Tunisia, particularly for life and capitalisation insurance.
Tunis Re
Société Tunisienne de Réassurance. Tunisia's national reinsurer, providing reinsurance capacity to the local market and the region.
IFRS 17
International Financial Reporting Standard for insurance contracts, effective internationally since 2023. It is not yet generally applicable under Tunisia's local accounting framework, but Tunisian insurers are preparing their systems, data and processes; early work on the reporting architecture is an advantage.
Life and capitalisation
The line of business covering life insurance and capitalisation contracts. A fast-growing segment of the Tunisian market, supported by bancassurance.

Sources and references

Last reviewed: June 2026

Show us your priority. We will prepare the session.

Core system, claims, distribution, payments, documents or data: choose a use case and receive a session tailored to your company and the Tunisian market within 7 days.

After a scoping call, we assess your current landscape, identify high-impact priorities and prepare a demonstration and phased roadmap.

Request a POC sessionSpeak to an insurance architect
Confidential and no-commitment conversation
Response within one business day
Session available in French, Arabic or English