Salaam Takaful

Salaam Takaful Limited is a direct-to-consumer and digitally distributed takaful carrier based in Karachi, Pakistan, offering Shariah-compliant general and life insurance products across motor, home, travel, health, life, and specialty crop lines. The company operates as Pakistan's largest dedicated general takaful operator and is recognized as the first Islamic insurtech in Pakistan, having achieved the distinction of first digital-only life insurance provider in the country.

The company operates a mobile-first technology platform -- the Salaam App -- that allows customers to purchase policies, manage claims, access OPD medical consultations, and make payments via integrated fintech partners. A blockchain-based health claims platform, built in collaboration with Fasset, reduced claims processing time by 40%. The platform integrates with PayPro for payments, TakafulEasy for digital distribution, and Abhi for fintech-driven financial inclusion.

Salaam Takaful holds an A++ corporate governance rating from PACRA and is certified to ISO 9001:2015 for quality management. The company was featured in the InsurTech100 in 2021. It operates in the Pakistani takaful market, which is valued at USD 1.5-1.7 billion in 2026 and growing at 14-16% CAGR. No public funding disclosures have been made; the company is a private unlisted entity.