Tawuniya

What Tawuniya does

Tawuniya (The Company for Cooperative Insurance) is Saudi Arabia's largest insurer, founded in 1986 and headquartered in Riyadh. The company operates a multi-line insurance portfolio across Motor, Health and Life, Property and Casualty, and Specialized categories, serving four explicit customer segments: individual consumers (including mandatory motor policyholders), SMEs, large enterprises and corporates, and visitors/pilgrims. Tawuniya is publicly listed on the Saudi Exchange (Tadawul) and operates under supervision of the Saudi Insurance Authority as a cooperative insurance entity.

The company has invested heavily in a cloud-based, AI-enabled insurance platform that includes the Tawuniya Super App for consumers, a Unified MSME Portal for small businesses, and a Predict & Prevent ecosystem that applies predictive analytics to risk assessment and intervention. Its AI capabilities span predictive analytics for underwriting, generative-AI-assisted customer service through a Sprinklr partnership, healthcare data unification via Innovaccer, and process automation across the value chain. Distribution is multi-channel: website, mobile app, 24/7 phone and WhatsApp support, a physical sales-office network, broker intermediaries, and bank-assurance partnerships. Headcount is reported between 1,001 and 5,000 employees.

Tawuniya generates revenue primarily through recurring insurance premiums across individual and group motor, health, P&C, and specialized lines. The firm has positioned its strategy around Saudi Vision 2030, executed strategic partnerships with global technology providers (Innovaccer, Sprinklr, Bayes Business School), and reported an MSCI ESG 'A' rating alongside a 2025 Sustainability Report, supporting its regulatory and capital-markets positioning. Recent corporate venture activity includes a $2.8 million lead investment in Maalexi, an agricultural trade and risk-management platform.

Name

Tawuniya

Legal name

The Company for Cooperative Insurance

Website

https://tawuniya.com

Company type

Public

Founded year

1986

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Tawuniya is Saudi Arabia's largest cooperative insurer, offering motor, health, property and casualty, and specialized insurance products to individual consumers, SMEs, large enterprises, and visitors through digital and broker distribution channels.

Ownership category

akta.pro rank

Product category

Cooperative Insurance

NAICS

Insurance Carriers (5241), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

akta.pro secondary industry

Umbrella Insurance (FSAJAMAK)

Keywords

• Cooperative insurance
• Motor insurance
• Health insurance
• Property casualty insurance
• Insurance services

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Motor Insurance: Motor vehicle insurance including comprehensive, third-party, and third-party plus policies. Revenue is generated through annual premiums charged to individual and corporate vehicle owners in Saudi Arabia. The company offers digital purchase and renewal for motor insurance.
2. Health Insurance: Health insurance products covering individuals, families, SMEs, corporate employees, domestic workers, and visitors. Includes family health plans, group medical insurance, and specialized health coverage. Revenue is generated through annual or multi-year premiums.
3. Property & Casualty Insurance: Property and casualty insurance including home insurance, travel insurance, medical malpractice insurance for healthcare professionals, domestic worker contracts, and defects insurance for properties.
4. Group/Corporate Insurance: Corporate insurance packages for businesses including group health insurance, property coverage, and casualty policies for SMEs and large enterprises. Typically sold through direct sales and intermediary channels.
5. Specialized Insurance: Specialized insurance products including Hajj and Umrah pilgrimage insurance, parents' health insurance, and mechanical breakdown coverage for vehicles.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels6 records

Core offering

Tawuniya (The Company for Cooperative Insurance) is Saudi Arabia's largest insurer, providing a broad portfolio of insurance products across motor, health, property and casualty, and specialized lines. Products include comprehensive and third-party motor insurance, family and SME health insurance, travel insurance, home insurance, medical malpractice insurance, Hajj and Umrah insurance, and life insurance, distributed via digital channels (Super App, MSME Portal) and physical offices.

Product overview

Tawuniya (The Company for Cooperative Insurance) is Saudi Arabia's largest insurer, operating a broad portfolio of insurance products organized across five main categories: Motor, Health & Life, Property & Casualty, Specialized, and Digital Platforms. The core motor insurance suite includes Comprehensive, Third-Party Only, Third-Party Plus, and Mechanical Breakdown policies, supported by the Tawuniya Drive loyalty program. The health insurance range spans individual (My Family), SME group health, Visit Visa, Hajj, Umrah, Domestic Worker, and Parents health products. Property and casualty offerings include Home, Travel, Medical Malpractice, Domestic Worker Contract, Life, Hidden Defects, and SME General (360) insurance. These products are distributed through the Tawuniya Super App, the Unified MSME Portal, a mobile application (iOS/Android), online web platforms, a 24/7 WhatsApp support channel, and a network of physical sales offices across Saudi Arabia. Digital innovation is a central pillar, evidenced by the AI and data analytics-powered Predict & Prevent ecosystem, AI-powered underwriting, and the Global Brand Frontier Awards 2025 recognition for Digital Insurance Innovation Leadership.

Differentiator

Problem solved

Functional benefit

Brands

• Tawuniya Super App: Customer-centric digital platform for insurance services
• Unified MSME Portal
• Predict & Prevent Ecosystem
• Tawuniya Drive

Products and services

• Motor Insurance – Comprehensive Full-coverage vehicle insurance protecting against accidents, theft, and damage, available for online purchase with roadside assistance, free add-on coverage, installment payment options up to 12 payments, and Tawuniya Drive cashback rewards. Targeted at vehicle owners in Saudi Arabia.
• Motor Insurance – Third-Party Only (ضد الغير) Compulsory third-party liability vehicle insurance covering damages caused to third parties, meeting the minimum legal requirement for vehicle owners in Saudi Arabia.
• Motor Insurance – Third-Party Plus (ضد الغير بلس) Enhanced third-party motor coverage providing up to SAR 40,000 in additional financial protection against vehicle loss or damage caused by the insured driver, exceeding the basic compulsory third-party requirement.
• Mechanical Breakdown Insurance Vehicle insurance covering mechanical or electrical breakdown costs, including repair expenses and labor up to specified per-component limits.
• Tawuniya Drive (التعاونية درايف) Loyalty Program Loyalty rewards program integrated with motor insurance, offering customers cashback of up to SAR 1,000 and free roadside assistance on policy purchases and renewals, driving retention and cross-selling.
• My Family Health Insurance (تأمين عائلتي) Family health insurance offering fast hospital approvals, quick claims settlement, maternity coverage, and telemedicine consultations for all covered family members.
• SME Health Insurance Group health insurance designed for small and medium enterprises, with installment payment options and coverage for up to 200 employees per policy.
• Visit Visa Health Insurance Health insurance for visit visa holders, facilitating visa extension processes and providing healthcare access during the stay in Saudi Arabia.
• Hajj Insurance (برنامج تأمين الحج) Specialized insurance program for Hajj pilgrims, providing coverage for health and travel-related risks during the pilgrimage journey.
• Umrah Insurance (برنامج تأمين العمرة) Insurance program for Umrah performers covering health and travel risks, supporting pilgrims undertaking the lesser pilgrimage.
• Domestic Worker Health Insurance Health insurance for domestic workers providing coverage for medical expenses and healthcare access for sponsored domestic staff.
• Parents Health Insurance (Inpatient and Emergency) Specialized health coverage for parents covering inpatient hospitalization and emergency medical care, designed for residents seeking to insure dependent family members.
• Home Insurance (تأمين المساكن) Property insurance covering homes and household contents against risks including fire, theft, and natural disasters.
• International Travel Insurance Travel insurance for international trips providing coverage for medical emergencies, trip cancellation, and lost baggage.
• Medical Malpractice Insurance (تأمين الأخطاء الطبية) Professional liability insurance for healthcare providers covering claims arising from medical errors, negligence, or malpractice during practice.
• Domestic Worker Contract Insurance (تأمين عقد العمالة المنزلية) Insurance covering risks related to domestic worker employment contracts, including employer obligations and worker welfare protections.
• Life Insurance Financial protection insurance providing coverage for death and critical illness, offering peace of mind and security for policyholders' families.
• Hidden Defects Insurance (تأمين العيوب الخفية) Insurance covering structural and hidden defects in properties, protecting property owners from unforeseen construction or material deficiencies.
• SME General Insurance (360) – Properties and Casualty Comprehensive property and casualty insurance package tailored for small and medium enterprises, covering business assets and operational risks.
• Tawuniya Auction Platform (مزادات التعاونية) Online auction platform operated by Tawuniya for the sale of salvage and recovered vehicles.

Quantifiable outcome

• 96% participant satisfaction in the Talent Advancement Programme Leadership Excellence module (2024)
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature7 records

Partnerships

Three partnerships are on record, tiered core.

• InnovaccercoreTechnology or Integration · 4 November 2025Innovaccer and Tawuniya established a strategic partnership to promote value-based care and population health management in Saudi Arabia. The collaboration utilizes healthcare data unification and analytics to build a connected health ecosystem aligned with Saudi Arabia's Vision 2030, aiming to improve healthcare outcomes and sustainability. Innovaccer provides the health data platform while Tawuniya leverages it for insurance underwriting and customer health management.
• SprinklrcoreTechnology or IntegrationTawuniya implemented Sprinklr's customer service automation platform, which includes AI chatbots, automated ticketing, workflow automation, and predictive analytics. The implementation resulted in significant operational improvements in customer service efficiency, reduced wait times, cost savings, and improved personalization for policyholders.
• Bayes Business School (City, University of London)coreStrategic or Co-development PartnerTawuniya partnered with Bayes Business School to deliver the Leadership Excellence Programme module as part of its 18-month Talent Advancement Programme (TAP). The program develops future insurance leaders in alignment with Saudi Vision 2030. The Leadership Excellence Programme module achieved a 96% satisfaction rating among 2024 participants.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bupa Arabia for Cooperative Insurance: Bupa Arabia is a leading Saudi cooperative insurer specializing in health and medical insurance, with strong corporate-group and SME exposure. It is the most direct health-insurance peer to Tawuniya, competing head-to-head for family, SME, and large-group health accounts in the Kingdom.
• Walaa Cooperative Insurance Company: Walaa is a Saudi-listed multi-line cooperative insurer offering motor, health, and P&C products to individuals and corporates. Its diversified product mix and Saudi focus make it a direct comparable for portfolio breadth and market positioning.
• The Saudi National Insurance Company (SaudiNIC): SaudiNIC is a Saudi-listed cooperative insurer providing motor, health, property, and engineering coverage. Comparable to Tawuniya in product breadth and Saudi-domestic distribution intensity.
• Salama Cooperative Insurance Company: Salama is a Saudi-listed cooperative insurer operating across motor, health, and general insurance lines. It is a direct peer in the multi-line retail/corporate Saudi insurance market where Tawuniya is the largest player.
• Al Etihad Cooperative Insurance Company: Al Etihad is a Saudi-listed cooperative insurer offering motor, medical, and general insurance. Comparable to Tawuniya in cooperative structure, retail and corporate distribution, and product breadth within the Kingdom.
• Allianz Saudi Fransi Cooperative Insurance: Allianz Saudi Fransi is a Saudi-listed cooperative insurer backed by the global Allianz group, offering motor, health, and P&C products. Comparable to Tawuniya as a Saudi multi-line carrier with international reinsurance/underwriting expertise.
• AXA Cooperative Insurance Company: AXA Cooperative is a Saudi-listed cooperative insurer (affiliated with AXA) offering motor, health, and general insurance. Comparable to Tawuniya in product mix and Saudi-domestic cooperative structure, with global brand support.
• Gulf General Cooperative Insurance Company (GIG Saudi): GIG Saudi is a Saudi-listed multi-line cooperative insurer offering motor, medical, and P&C coverage. Comparable to Tawuniya in retail/corporate distribution and product breadth within the Saudi market.
• MEDGULF (Arabian Shield Cooperative Insurance): MEDGULF is a Saudi-listed cooperative insurer with strong health and group-medical focus. Highly comparable to Tawuniya's health insurance segment for SMEs and corporates, and to its broader multi-line Saudi operations.
• Saudi Enaya Cooperative Insurance Company: Saudi Enaya is a Saudi-listed cooperative insurer focused primarily on health and medical insurance. Comparable to Tawuniya's health lines and cooperative structure, particularly competing for SME and group medical accounts.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tawuniya