Istisharat, CIRIS Takaful creators


General Insurance & Reinsurance Integrated System

CIRIS, available in Conventional and Takaful versions, is a system designed for the management of general business insurance companies.


CIRIS is a fully developed system covering all general business company's operations including policy administration, underwriting with different lines of business, claims, reinsurance, statistics and accounting.


CIRIS is available on Oracle multitier web platforms in premises or "On Cloud".

Main Functions

CIRIS is a complete and comprehensive application for the administration of General Business Insurance.


CIRIS design principles:

  • Integrated modules and calculations
  • Central administration of Clients and Producers

           - Clients

           - Producers and Agents

  • Flexible product development

           - Products for all lines of business

  • Complete On-line history:

           - Policy

           - Installments

           - Payments

           - Reinsurance


LIRIS nucleus module:

  • Security
  • General Codes and Parameters
  • Policy, Client and Producer Administration
  • Accounting
  • General Ledger
  • Reporting
  • Document Management


CIRIS main modules:

  • Front Office
  • Underwriting (all Business Lines)
  • Underwriting (Medical)
  • Premiums
  • Commissions
  • Claims
  • Reinsurance
  • Surplus Calculation

General Features

  • Secure
  • Secured Access and Log-on
  • Password complexity check
  • Multilingual and Multi-Alphabet
  • Customer centric
  • Flexible, evolving and fully parameterized
  • Customizable with dynamic workflow engine
  • User friendly with automated capabilities
  • Comprehensive with clearly defined functionality
  • Interactive and Online real time
  • Aligned to international and local standards
  • Comprehensive information with 360° views
  • Rich set of reports with drill down to details
  • Open for BI tools for ad hoc reports
  • Straight through processing
  • Ease of integration through standard APIs
  • Reusable components web and micro services
  • Full audit trails logging all interactions and approvals
  • State-of-the-art open platform
  • Modern web multi-tiers technology
  • High availability and proven scalability architecture
  • Scalable, Centralized and Decentralized