Your Smart Healthcare & Labor Rights Assistant — UAE & Saudi Arabia

Stop Wasting Hours on Healthcare & Insurance Confusion

25+ million expatriates across the UAE and Saudi Arabia struggle with complex insurance, confusing policies, and unknown labor rights. Muawin AI answers your questions instantly—in your language.

Free to Use
Download on App Store
~25M Expatriates in UAE + KSA
UAE + KSA Coverage Now Included
~$2,400 Potential Annual Savings

The Problem We Solve

Healthcare navigation is broken. Millions are losing time and money.

Time Wasted on Phone Calls

Spend 2-4 hours on hold with insurance companies. Get transferred, disconnected, and frustrated.

Language Barriers

Critical healthcare documents in Arabic. No clear explanations in English or Chinese. Misunderstandings lead to wrong decisions.

Hidden Coverage Gaps

Discover too late that your insurance doesn't cover what you thought. Unexpected bills after treatment.

Complex Policy Language

Insurance jargon is incomprehensible. 90% of people don't read their policy—or can't understand it.

Senior-Friendly Gap

Elderly parents struggle with apps and websites. No voice-first solution designed for their needs.

Missed Benefits

Pay for coverage you never use. Don't claim benefits you're entitled to. No one tells you what's available.

No Insurance at Work?

Many workers in UAE and Saudi Arabia don't know their employer is legally required to provide health insurance—or how to enforce that right.

Saudi CCHI Confusion

Workers in KSA navigate CCHI categories (A, B, C), Iqama renewal requirements, Dawiyat app, and insurer networks with zero guidance.

How Muawin AI Creates Value

⏱️

Save 10+ Hours/Month

Instant answers instead of hold music. Get information in seconds, not hours.

💰

Avoid Costly Mistakes

Understand your coverage. Make informed decisions. Never overpay again.

🎤

Voice-First Design

Tap and speak. Large buttons. Clear audio. Built for seniors who hate tiny screens.

🌍

Your Language

English, Arabic, Simplified Chinese, Traditional Chinese—with more coming soon.

📋

Thiqa, Daman & CCHI Expert

Deep knowledge of UAE (Thiqa, Daman, Malaffi) and Saudi Arabia's CCHI system—Categories A, B, C explained in plain language.

⚖️

Know Your Labor Rights

UAE and Saudi labor law decoded. Find out if your employer must give you insurance—and exactly what to do if they don't.

🇸🇦

Saudi Arabia Coverage

Full CCHI knowledge base: insurers (Bupa Arabia, Tawuniya), Iqama requirements, Dawiyat app, Wasfaty prescriptions, and hospital networks.

🤖

Smart, Not Robotic

Context-aware conversations. Follow-up questions. Real understanding, not keyword matching.

Why Muawin AI is Different

Feature Muawin AI Insurance Chatbots
Voice-First Interface ✓ Yes ✗ No
UAE Knowledge (Thiqa, Daman, Malaffi) ✓ Yes ✗ No
Saudi Arabia CCHI Knowledge ✓ Yes ✗ No
UAE & KSA Labor Law Rights ✓ Yes ✗ No
Multi-Language Support ✓ 4 (more coming) ✗ 1-2 only
Conversational Context ✓ Yes ✗ No
Senior-Friendly Design ✓ Yes ✗ No
Cross-Emirate Coverage Expert ✓ Yes ✗ No

Ready to Simplify Your Healthcare?

Get instant answers to your healthcare questions—no hold music, no confusion.

Download on App Store

Everything You Need

UAE: Thiqa & Daman

Answers about Abu Dhabi's Thiqa and Daman plans. Policy details, cross-emirate coverage, 2024 changes.

UAE: Malaffi Records

Guidance on accessing your medical records through the UAE health information exchange.

Saudi: CCHI Insurance

Bupa Arabia, Tawuniya, MEDGULF. Category A/B/C explained. Dawiyat app. Iqama insurance requirements. Hospital networks in Riyadh, Jeddah, and Dammam.

UAE Labor Rights

Federal Decree-Law 33/2021. Employer must insure you from Day 1—even on probation. Abu Dhabi covers your family. File complaints via MoHRE 800-60.

KSA Labor Rights

Article 144 Saudi Labor Law. Employer penalties: SAR 500/month per uninsured worker. QIWA platform complaint process. Domestic worker rights (Musaned).

Claims Help

UAE and KSA: understand claims, file correctly, track status. Never get denied for paperwork errors.

Find Providers

UAE and KSA hospital networks. Locate covered doctors, hospitals, and clinics. Filter by insurance type.

Tourist Insurance

Mandatory coverage for UAE visit visas. Minimum AED 150,000 limit. Approved providers and how to buy.

Available In

English Arabic Chinese (Simplified) Chinese (Traditional)

More languages coming soon: Hindi, Urdu, Filipino, and others.

Investment Opportunity: Built for Scale

Live on App Store - MVP Ready

Muawin AI is already live on the Apple App Store. The MVP demonstrates core functionality: voice-first AI assistant, multi-language support (English, Arabic, Simplified Chinese, Traditional Chinese), and real answers about Thiqa and Malaffi.

What this means for investors: Reduced execution risk, proven development capability, immediate user acquisition potential, and a platform ready for scaling.

The Brand Advantage

"Muawin" means "supporter" or "helper" in Arabic—a name that resonates deeply with the UAE's 10+ million expats seeking trustworthy guidance. Unlike generic tech names, Muawin AI carries cultural significance that builds immediate trust and recall.

Muawin (معاون)
"Supporter" / "Helper" / "One who assists"

Massive Market Opportunity

Starting with healthcare navigation—a universal pain point—Muawin AI addresses a ~$2,400 per person annual waste problem. With ~10M expatriates in the UAE alone, the addressable market exceeds $24 billion in potential savings.

National insurance companies can integrate Muawin AI to reduce customer support costs by 40-60% while improving satisfaction scores.

Platform Potential

Healthcare is just the beginning. The same voice-first, multi-language AI infrastructure can expand into:

• Medical Triage App: Symptom checking, appointment scheduling, telemedicine connections

• General Customer Service: Banking, utilities, government services—any industry with complex policies

• Enterprise White-Label: License the technology to insurers, hospitals, and governments

UAE + Saudi Arabia — GCC-Ready

Muawin AI now covers both the UAE and Saudi Arabia—the two largest GCC economies. With full CCHI knowledge base, KSA labor law, and UAE labor law, the platform addresses workers across 25M+ expatriates.

Saudi Arabia's mandatory CCHI system, QIWA labor platform, and 15M+ expatriate population represent a new addressable market unlocked with today's update. Qatar, Oman, Kuwait, and Bahrain are the next natural expansion.

Built on UAE Infrastructure

Muawin AI runs entirely on AWS UAE (me-central-1) region—keeping all data within the country and ensuring compliance with local regulations.

Powered by JAIS, the world's leading Arabic AI model—built in the UAE, for the UAE. This ensures culturally-aware responses and reduces dependency on foreign AI providers.

Benefits: Data sovereignty, lower latency, cost-effective scaling, and support for local innovation ecosystem.

Ask Muawin AI Anything

Muawin AI in English

🇺🇸 English Interface

Muawin AI in Arabic

🇸🇦 Arabic Interface

🇬🇧 English

"I have Thiqa basic, my wife has Thiqa enhanced through her employer, and we're traveling to Sharjah next month. Which of our treatments will be covered there?"

Translation: Complex question about different coverage levels and cross-emirate policies for family members.

🇸🇦 Arabic

"أنا موظف حكومي في أبوظبي، هل تغطي وثيقة ثيقا الخاصة بي علاج أسناني في عجمان؟ وهل هناك موافقات مسبقة أحتاجها؟"

Translation: Government employee asking about dental coverage in another emirate and whether pre-authorization is required.

🇨🇳 Chinese (Simplified)

"我爸爸有慢性糖尿病，需要定期打胰岛素。请问他的Thiqa保险在迪拜能报销吗？需要准备什么文件？"

Translation: Family asking about chronic condition coverage (diabetes/insulin) in another emirate and required documentation.

🇭🇰 Chinese (Traditional)

"我女兒最近被診斷出有自閉症，需要接受語言治療和職業治療。請問這在Thiqa涵蓋範圍內嗎？需要等多久才能獲批？"

Translation: Parent asking about autism-related therapy coverage, wait times for approval, and extent of coverage.

🇬🇧 English

"I just arrived in UAE on a employment visa, my visa says I'm eligible for Thiqa but I haven't received my card yet. Can I still see a doctor if I have an emergency?"

Translation: New arrival asking about emergency coverage before receiving their physical Thiqa card.

🇸🇦 Arabic

"أنا حامل في الشهر السابع، وأريد أن أنجب في مستشفى خاص في دبي. هل يغطي ثيقا هذا؟ وإذا لا، فما البديل؟ وكم ستكلفة الولادة الطبيعية في مستشفى خاص؟"

Translation: Pregnant woman asking about private hospital delivery coverage, alternatives, and cost estimates.

🇬🇧 English — UAE Labor Rights

"My employer deducted 300 AED for health insurance from my salary. Is this allowed? What should I do?"

Muawin AI: No—this is illegal under UAE Federal Decree-Law 33/2021. Employers must pay 100% of the premium. File a complaint with MoHRE at 800-60.

🇸🇦 Arabic — KSA Labor Rights

"صاحب العمل في السعودية لم يعطني تأمين صحي. ما حقوقي؟"

Translation: My employer in Saudi Arabia hasn't given me health insurance. What are my rights? (Answer: Article 144 makes it mandatory. File via QIWA or call MHRSD 19911. Fine: SAR 500/month.)

🇬🇧 English — Saudi CCHI

"I work in Riyadh on a Category C insurance plan. Does it cover my wife's maternity? And how do I use the Dawiyat app?"

Muawin AI explains CCHI Category C maternity coverage limits, 9-month waiting period, and step-by-step Dawiyat app guide.

🇸🇦 Arabic — Saudi Insurance

"إقامتي على وشك الانتهاء وصاحب العمل لم يجدد التأمين. ماذا أفعل؟"

Translation: My Iqama is about to expire and my employer hasn't renewed my insurance. What do I do? (Answer: Insurance required for Iqama renewal. Employer liable. File MHRSD complaint.)

Data Sources & Knowledge Base