Everything you need to know about Al Rajhi Takaful: A comprehensive guide to insurance, shares, and customer service (2025)

Looking for reliable information about Al Rajhi Takaful in one place?

Searching for "Al Rajhi Takaful" can be confusing. Perhaps you New client Trying to understand the difference between vehicle insurance plans, or Head of household looking for the best health insurance, or investor Watching the performance of the stock (8230) in Tadawul. And maybe you Current customer All you want is to know the fastest way to file a claim or log in to a Documentary account.

The issue is that this information is often spread across different sites, leaving you lost between product pages, investor reports, and customer service portals.

This comprehensive guide is designed to solve this issue. We've gathered everything you need in one place. This article will provide you with a deep understanding of all Al Rajhi Takaful products, a clear analysis of its investment side, and a practical step-by-step guide for existing customers. By the end of your reading, you will have clear answers to all your questions, regardless of the reason for your research.

(2025) When you're looking for "Al Rajhi TakafulYou're looking for more than just an insurance company. You're looking for a trusted partner that aligns with your principles and offers solutions to protect your most valuable assets, whether it's your car, your health, your family, or even your investments. In the growing Saudi insurance market, Takaful Al Rajhi stands out as one of the most prominent players, but what exactly does it offer?

Seekers of this name are challenged by the diversity of their intentions:

• New customers They wonder: What types of insurance are available? Is it the best option to secure my car or my health?
• Current customers They are looking for: How to log in to a Wethaqi account, how to file a claim, or how to renew your policy.
• Investors They watch: Tadawul's stock performance (8230), and the company's latest financial news.
• Business owners They explore: Employee insurance programs and Monsha'at support.

This comprehensive guide to 2025 is designed to answer all these questions in one place. We'll dive deep into Al Rajhi Takaful's services, deconstruct the complexities of its products, explain the fundamental differences of Takaful insurance, and guide you step by step to manage your account or make an informed investment decision. Whether you're an individual, a family, a business owner, or an investor, you'll find everything you need to know here.

What is Al Rajhi Takaful? Company Overview and Vision

To understand Takaful Al Rajhi's true value, we must first understand its identity and its core pillars. It is not just a financial services provider, but an organization that operates from an Islamic perspective that focuses on cooperation and mutual protection.

About Al Rajhi Takaful

Al Rajhi Cooperative Insurance Company (Al Rajhi Takaful) was established as a Saudi joint stock company and quickly became one of the Leading companies in the insurance industry in the Kingdom of Saudi Arabia. As part of the Al Rajhi Group, the company benefits from a strong reputation and deep-rooted trust in the Saudi market, closely linked to "Al Rajhi Bankone of the largest Islamic banks in the world. This affiliation gives it a solid base of reliability and financial stability. The company is primarily focused on providing innovative and integrated Takaful insurance solutions that meet the needs of individuals (e.g. motor and health insurance) and businesses (e.g. employee and property insurance), with a full commitment to digital innovation to facilitate the customer experience, from policy purchase to claim submission.

What is the difference between takaful and traditional insurance?

This is the essence of Al Rajhi Takaful. Traditional (commercial) insurance is based on "selling" protection: you pay a premium to a company, the company pays compensation when the risk occurs, and the company keeps the profits from the premiums and its investments. Whereas Takaful insuranceIt's a completely different model. It's based on The principle of mutual cooperation (Takaful) Sadaqa (donation). Subscribers (policyholders) contribute their premiums to a common fund. The money from this fund is used to pay compensation (claims) to injured subscribers. The company does not "sell" protection, but rather Manages this fund on behalf of subscribers in exchange for an agency fee (wakala) or a share of investment profits (mudaraba). If there is a surplus in the fund after paying claims and expenses, it is usually distributed to the subscribers, rather than retained entirely as a profit for the company. This model makes it Free from usury (interest) and gharar (excessive uncertainty)making it a favorite choice for many in the Kingdom.

Is Al Rajhi Takaful certified and Sharia compliant?

Yes, that's the basis of its business. Al Rajhi Takaful puts Sharia compliance at the center of its business model. The company is officially licensed by Regulatory authorities in Saudi Arabia (such as the Insurance Authority (IA) and the Saudi Central Bank (formerly SAMA) to conduct cooperative insurance activities. Importantly, the company has Independent Sharia Supervisory Board own. This body is made up of scholars and experts in Islamic jurisprudence and financial transactions. Their role is to review all the company's products, contracts, operational and investment processes, to ensure that they are completely free from any practices that conflict with the provisions of Islamic law. This ongoing oversight gives clients Confidence and reassurance that their contributions are managed in a way that aligns with their values and beliefs.

Types of Al Rajhi Takaful Insurance Products (Individuals)

Al Rajhi Takaful offers a wide range of products designed to protect every aspect of your daily life. These products are focused on providing security and peace of mind for you and your family, while fully adhering to the principles of Takaful.

Vehicle Insurance (Comprehensive and Third Party)

Vehicle insurance is one of the most popular products in the Kingdom. Al Rajhi Takaful offers two main types:

1. Universal insurance: This is the most covered option. Not only does it cover the damages you may cause to others (third parties), but it also covers Damage to your vehicleWhether it's the result of an accident (even if you're at fault), fire, or theft. It often includes additional services such as roadside assistance.
2. Third-party insurance (mandatory): This is the minimum insurance required by law in Saudi Arabia. It covers The physical and material damage it causes to the third party only. It does not cover any damage to your own vehicle. Al Rajhi Takaful offers an easy online purchase and renewal process, allowing you to get a quote, compare plans and issue your policy in minutes.

Health insurance (individuals and families)

In light of the importance of healthcare, Takaful Al Rajhi offers flexible health insurance plans for individuals and families (for Saudis and expats). These plans are characterized by Wide network of medical providerswhich includes hospitals, clinics, dental clinics, and pharmacies across the Kingdom. Plans typically cover basic expenses such as inpatient hospitalization, surgeries, outpatient visits, medications, and in some plans, dental, vision, pregnancy and childbirth. Multiple options allow you to choose the level of coverage and financial limits that best suit your needs and budget.

Protection and savings programs (retirement, children's education)

These products cleverly combine insurance protection with long-term savings. They are designed to help you Planning for the financial future for your family. For example, you can customize a program for Children's Education InsuranceYou pay regular contributions, and if (God forbid) you die or become permanently disabled, the program pays the remaining contributions to ensure that their education costs are covered. Similarly, it helps you Pension plans to build supplemental savings for your post-work years, while providing insurance protection throughout the subscription period. These programs are a safe, Shariah-compliant investment for your future.

Travel insurance

Whether you are traveling for vacation, business, or Hajj and Umrah (outside of customized packages), Takaful Al Rajhi Travel Insurance protects you against unexpected emergencies. This insurance typically covers Emergency medical expenses abroadlost luggage, flight delays, and, in some cases, travel cancelation. Having a travel insurance policy gives you peace of mind, knowing that you are covered against any hassles that could ruin your trip, especially in international destinations.

Home and Domestic Workers Insurance

Your home is your biggest investment, and protecting it is essential. Provides Home insurance Al Rajhi Takaful provides coverage against risks such as fire, theft, and damage caused by natural disasters (depending on the package). It also typically includes liability insurance for third parties (e.g. guests). In addition, the company offers Domestic Workers Insurancewhich is becoming increasingly important for employers in the Kingdom. This insurance covers the worker's emergency medical costs, compensation in case of death or disability, repatriation costs, and sometimes covers your legal liability towards them.

[insert table: Comparison of comprehensive and third-party vehicle insurance]

To better illustrate the differences, here's a quick comparison:

Al Rajhi Takaful Solutions for Businesses and Companies

Al Rajhi Takaful's services are not only limited to individuals, but also include integrated solutions for businesses and organizations of all sizes, with a special focus on supporting the SME sector.

Employee Health Insurance (Special for SMEs)

Providing health insurance for employees is a legal requirement in Saudi Arabia and is also a key factor in attracting and retaining talent. Takaful Al Rajhi offers Group health insurance Flexible and competitive for businesses. What sets it apart is the focus on the needs of Small and Medium Enterprises (SMEs). The company understands the challenges of this sector and often offers special programs in collaboration with supporting entities such as "Monshaat (General Authority for Small and Medium Enterprises)which may include preferential pricing or customized benefits. These plans include tiered medical networks to suit the company's budget and cover all the basic medical needs of employees and their families, promoting job loyalty and ensuring a healthy work environment.

Medical Malpractice Insurance (for health practitioners)

This product is intended for a specific and sensitive professional group, namely health practitioners (doctors, nurses, pharmacists, etc.). It is known as "Professional Liability Insurance"It is designed to protect medical professionals from the financial and legal consequences resulting from errors or professional negligence (God forbid). In an environment where medical malpractice lawsuits are on the rise, this insurance provides coverage for legal defense costs and damages that may be awarded, giving the health practitioner Safety to practice his profession without overly worrying about the financial risks associated with medical practice.

Property and Engineering Insurance

Businesses need to protect their physical assets to ensure business continuity. Al Rajhi Takaful offers solutions Property insurance that cover buildings, inventory, and equipment against various risks such as fire, burglary, and natural damage. In addition, programs provide Engineering insurance Specialized. These programs are essential for construction companies, as they cover risks associated with construction projects, such as site damage, machinery and equipment breakdown (machinery breakdown insurance), and civil liability associated with the project. These solutions ensure that the company's capital investment is protected against major incidents.

How to choose the right insurance for you (a guide to your needs)

Choosing the right insurance product can be confusing given the variety of options. The key is Assess your current and future needs Clearly. Al Rajhi Takaful doesn't just offer off-the-shelf products, it offers solutions that can be adapted to the different stages of your life.

If you are a new employee or a family man

If you're early in your career, your priorities may be Vehicle insurance (especially if you rely on it for daily transportation) and Basic Health Insurance. If your company offers health insurance, check the level of coverage. If you become Family manPriorities change drastically. Comprehensive health insurance for your family (including pregnancy and maternity coverage) becomes a must. You should also start thinking about the future, such as Protection and savings programs To ensure your children's education, or to provide income protection in the event of an unfortunate event (God forbid) to ensure the family's financial stability.

If you are planning to retire or invest

As you approach mid-career or think about your post-work years, the focus on Building and protecting wealth. This is where the Protection and savings programs from Takaful Al Rajhi. These programs are not just life insurance, they are Sharia-compliant investment vehicles that help you grow your savings on a regular basis. You should ask yourself: Do I have enough savings to maintain my lifestyle after retirement? Takaful retirement programs provide you with a savings pot that grows over time, in addition to insurance protection. This ensures that Financial independence In your golden years.

If you are a small business owner (enterprise support programs)

As an employer, your responsibilities are twofold: Protecting your business and protecting your employees. It must be Employee Health Insurance is your top priority, not only for legal compliance, but as an investment in your human resources. Check out the packages offered by Al Rajhi Takaful in collaboration with "Facilities" to take advantage of any available support or discounts. In addition, don't neglect to protect your business assets. Property insurance against fire or burglary, andCivil Liability Insurance To protect you from third-party claims, it's essential to ensure your business can continue in the face of unforeseen obstacles.

[Insert checklist: Do you need health insurance or protection and savings insurance?]

Use this simple checklist to help you prioritize:

Tip: Often, the answer is not "one or the other." You may need to A combination of the two to achieve comprehensive financial protection.

Al Rajhi Takaful for investors: Stock Performance and Financials

"Takaful Al Rajhi is not only a leading insurance company, but also a publicly traded company listed on the Saudi Stock Exchange (Tadawul). This section is intended for current and potential investors interested in the financial and investment side of the company.

Al Rajhi Takaful (Tadawul: 8230)

The shares of Al Rajhi Cooperative Insurance Company are traded on the Saudi Stock Exchange (Tadawul) under the symbol 8230. The stock is one of the active stocks in the insurance sector, and its performance is influenced by several factors, including the company's overall financial performance, the growth of the insurance sector in the Kingdom (linked to economic growth and new legislation such as mandatory insurance), as well as investors' confidence in the company's strategy and the strength of its financial position. Investors are watching Daily Stock MovementandTrading volumesandMarket value of the company as leading indicators. We always recommend referring to authorized financial platforms for the latest price updates and detailed charts.

Latest company news and earnings

To make an informed investment decision, it is essential to follow the latest developments. This includes Financial Results Announcements (quarterly and annual), which shows the company's net profit, gross written premiums (GWP), and portfolio performance. You should also pay attention to Cash Dividends (if any), as it reflects the company's policy towards rewarding its shareholders. Other news, such as the launch of new products, the signing of large contracts (such as major health insurance contracts), or changes in senior management, can have a direct impact on the company's market valuation.

Important links: Investor Relations and Financial Reporting

For the most accurate and comprehensive information, the first source is the company's official website. It provides a section "Investor Relations Al Rajhi Takaful website has all the data an investor needs. In this section you can find:

• Detailed financial reporting (annual and quarterly).
• Investor presentations that summarize the company's performance.
• Official company announcements directed to Tadawul.
• Information on corporate governance and the Board of Directors. We strongly recommend that you review these reports for an in-depth understanding of Al Rajhi Takaful Financial Center and its long-term strategy before making any investment decision.

For existing customers: Manage your policy and submit claims

Being a current Al Rajhi Takaful customer means that you are looking for Ease and speed in managing your services. The company is highly focused on digital transformation to provide a seamless experience for its customers via online and mobile applications.

How to Login to My Account (Documentary)

"Wathaqi is your online portal to manage all your insurance policies with Takaful Al Rajhi. To log in, you usually need to visit the company's official website and look for the "Login" or "My Account" link or "Wathaiqi. You will need to enter your details such as your ID/Iqama number and your registered mobile number or password. Once you are logged into your account, you can perform various self-services, such as:

• View and print insurance policies (e.g., your vehicle insurance certificate).
• Review coverage details and financial limits.
• Track the status of submitted claims.
• Renew your existing policy when it is about to expire. This portal saves you a lot of time and effort instead of having to visit the branch or call customer service for routine tasks.

Steps to file a claim (car, health) online

Al Rajhi Takaful has streamlined the claims process, especially for the most common claims.

• for vehicle claims (accidents): The process is closely related to the "Star" For traffic accidents. After receiving a Najm report, you can usually start the claim process directly through the Takaful Al Rajhi app or website. You will need to provide the accident report number, photos of the damage, and a workshop estimate (if required). The company aims to process these claims by Seamless digital experience And fast.
• For health claims (compensation): If you have to pay cash at a hospital or clinic outside the authorized network (e.g. in an emergency), you can file a Reimbursement claim. This is often done by uploading original medical bills, medical reports, and proof of payment via the portal or app.

Download Al Rajhi Takaful App (iOS and Android)

is Al Rajhi Takaful App for Smartphones The most effective tool to manage your insurance on the go. The app (available on Google Play and Apple Store) provides you with all the essential services at your fingertips. You can use it to:

• Purchase new insurance policies.
• Access your digital health insurance card.
• Submitting and following up on claims easily (especially vehicle claims).
• Find the nearest hospital or authorized repair shop within the network.
• Contact Customer Service. All Takaful Al Rajhi customers are highly recommended to download the app to facilitate the efficient management of all their insurance needs.

Al Rajhi Takaful FAQs

Here we've compiled some of the most frequently asked questions that new and existing customers ask about Al Rajhi Takaful services, with quick and straightforward answers to help you.

[insert FAQ section]

Q1: How do I cancel my Al Rajhi Takaful policy? c: To cancel an insurance policy (such as vehicle insurance), you should usually contact customer service or use digital channels (website or app) if the service is available. You will need to provide the reason for the cancellation (e.g. sale of the vehicle). The refund amount (if any) is calculated based on the remaining term of the policy (pro-rata calculation) after deducting the administration fee, as per the Insurance Authority's regulations.

Q2: What are the approved hospitals in the Al Rajhi Takaful network? c: To find out which hospitals and medical centers are included in your health insurance network The best way is to use the Al Rajhi Takaful app or log in to your Documentary account. The app allows you to search by city, specialty, or provider name. The network varies based on the tier of the plan you have subscribed to, so it's important to check your specific network before visiting the doctor.

Q3: What is the Al Rajhi Takaful customer service number? c: Takaful Al Rajhi provides several contact numbers. The toll-free number for customers within the Kingdom is 8001184444. The company also provides a unified number 920004414 (which can also be used for international dialing). We always recommend checking the official website for the most up-to-date contact numbers.

Q4: How do I inquire about my claim status? c: The easiest way to track the status of your claim (whether vehicle or health) is via Al Rajhi Takaful App or by accessing "Documentary" portal on the website. You will find a section dedicated to "My Claims" that shows you all submitted claims and their current status (pending review, approved, paid, denied with reason).

Q5: Can I renew my car insurance online? c: Yes, Takaful Al Rajhi provides Online Instant Renewal Vehicle insurance. Before your policy expires, you will usually receive a reminder. You can visit the official website or use the app, enter your vehicle and ID details, choose a plan, and pay online. The renewed policy will be instantly issued and sent to your email, and automatically updated in the Absher and Najm systems.

Conclusion: Why choose Al Rajhi Takaful for your insurance needs?

After this comprehensive analysis, it is clear that Takaful Al Rajhi is not just a name in the Saudi insurance market. Integrated system Catering to the needs of a wide cross-section of society. Whether you are looking for basic security for your vehicle, comprehensive health protection for your family, advanced savings and retirement solutions, or even as an employer looking for insurance for your employees, the company offers a strong and reliable option.

Al Rajhi Takaful's core strength lies in a unique combination:

1. Legal obligation: Providing 100% Sharia-compliant products, giving customers peace of mind.
2. Trust and reliability: Being part of the Al Rajhi Brand They carry a legacy of financial stability and market confidence.
3. Digital innovation: The obvious investment in Apps and Portals (e.g. "documentary") Make the customer experience, from purchase to claim, easy and fast.
4. Product variety: Nearly complete coverage of the needs of individuals and businesses, including specialized programs such as Monsha'at support and medical malpractice insurance.

In 2025, choosing an insurance partner remains a vital decision. If your priorities are Reliability, adherence to values, and easy technologyAl Rajhi Takaful presents itself as one of the most prominent options available in Saudi Arabia.

In this comprehensive guide, we've reviewed all aspects of Takaful Al Rajhi, from its Sharia identity to its various products and digital services. Here are the key points we've summarized for you:

• Reliable and Sharia-compliant partner: Al Rajhi Takaful is not just an insurance company, it is a cooperative "Takaful" partner that enjoys high credibility due to its full adherence to Shari'ah regulations and its affiliation with the trusted Al Rajhi name.
• Comprehensive coverage for individuals and businesses: The company offers a full range of products to meet all needs, from motor, health and travel insurance for individuals, to customized solutions for businesses such as employee insurance and Monsha'at support.
• Advanced digital customer experience: Through the mobile app and Wethaqi portal, existing customers get a seamless experience to manage their documents, track claims, and access services with ease.
• One destination for three purposes: This article is designed to be a one-stop reference for those looking for Insurance productand the current client looking for Supportand the investor looking for Financial statements (Arrow 8230).

Thank you very much for taking the time to read this detailed guide to the end. We sincerely hope that we have provided you with a clear and comprehensive insight that will help you make the most appropriate decision for your needs, whether you are considering joining as a new client, managing your services as an existing client, or evaluating the company as an investment opportunity.