How long does it take to load an insurer’s rate chart?

Rabt reads the grids out of the chart itself rather than asking anyone to type them. The work that remains is confirming the mapping: which grid belongs to which network and which co-pay level. That is a review of a proposed mapping, not data entry, and it is done once per chart per policy year.

Does Rabt come with insurer rates already loaded?

No. A broker loads their own charts. Rabt holds no insurer’s rates on anyone’s behalf, and the rates a brokerage loads stay theirs — exportable on request, in the format they arrived in.

What happens when an insurer reissues a chart mid-year?

The new chart is loaded as a new version. Quotes already produced keep pointing at the version they were priced on, so an old quote can still be explained months later rather than silently repricing itself.

What if a rate block is ambiguous?

Rabt proposes a mapping and refuses to commit it automatically. A block labelled "20% co-pay on all OP and 30% on Pharmacy" looks like the plain 20% block to any matcher reading the first percentage, and loading it wrongly puts every premium on that plan a few per cent out.

How Rabt works — load once, quote all year

An insurer’s rate chart does not change during a policy year. Rabt reads it once — grid by grid, heading by heading, age band by age band — alongside the table of benefits, into structured rows. Every quote afterwards is computed from those rows rather than from somebody re-reading the PDF, which is what makes two quotes for the same family agree.

How it works

The work happens once.

Loading a plan takes real effort. It happens at the start of the plan year, and then every quote from it is minutes rather than an afternoon of copying cells.

1
Send us the table of benefits
The insurer’s PDF, as they sent it. We capture the benefit rows and the rate table against a version, so every later quote knows exactly which sheet it came from.
2
Check it once
You confirm the rows and the rates before the plan goes live. Nothing is quotable until someone has agreed it is right — the review is the step that makes the rest safe.
3
Quote in minutes
Members, region, network, declared conditions. Rabt prices every eligible plan, drops the ones that do not apply, and puts up to four side by side.
4
Send it under your name
A branded PDF, or a link that expires. The version it was priced on is frozen with it, so you can reproduce the same document months later — exactly as the client received it.

Send us the table of benefits

This is the work.

An insurer's table of benefits is prose in a grid. Quoting from it means every row has a canonical key, a limit, a co-pay and a waiting period. Drag to see the same page both ways.

Table of benefits · as it arrives

Takaful Emarat — Silver (Nil co-pay)

Annual LimitAED 1,000,000

Accommodation TypeSemi- Private Room

Out-patient General PractitionersCovered in full with Nil co-pay

Physiotherapy8 sessions per year subject to pre-approval

Maternity (delivery)OP- 10 visits and 4 ante-natal ultrasound scans with 10% co-pay Delivery- Covered up to AED 10,000 with 10% co-pay

DentalCovered up to AED 500 with 30% Co-pay

Facsimile. Same wording as the comparison above, laid out the way these documents arrive.

Captured · 6 rows, 2 for review

Takaful Emarat — Silver · version 1

annualLimitAnnual LimitlimitAED 1,000,000coveredcovered

accommodationAccommodation Typeno structured value — free text

gpConsultationsOut-patient General Practitionersco-pay0%coveredcovered

physiotherapyPhysiotherapysessions8/yearcoveredcovered62%

maternityInpatientMaternity (delivery)limitAED 10,000co-pay10%co-pay capAED 10,000sessions10/yearcoveredcovered58%

dentalDentallimitAED 500co-pay30%co-pay capAED 500coveredcovered

Anything the extractor is unsure of is flagged amber and waits for a person. Nothing becomes quotable until someone has agreed it is right.

Drag the handle, or focus it and use the arrow keys.

Common questions

How long does it take to load an insurer’s rate chart?: Rabt reads the grids out of the chart itself rather than asking anyone to type them. The work that remains is confirming the mapping: which grid belongs to which network and which co-pay level. That is a review of a proposed mapping, not data entry, and it is done once per chart per policy year.
Does Rabt come with insurer rates already loaded?: No. A broker loads their own charts. Rabt holds no insurer’s rates on anyone’s behalf, and the rates a brokerage loads stay theirs — exportable on request, in the format they arrived in.
What happens when an insurer reissues a chart mid-year?: The new chart is loaded as a new version. Quotes already produced keep pointing at the version they were priced on, so an old quote can still be explained months later rather than silently repricing itself.
What if a rate block is ambiguous?: Rabt proposes a mapping and refuses to commit it automatically. A block labelled "20% co-pay on all OP and 30% on Pharmacy" looks like the plain 20% block to any matcher reading the first percentage, and loading it wrongly puts every premium on that plan a few per cent out.

The mechanics in detail

See it on your own rate charts

Rabt is not a demo account with somebody else’s plans in it. Load one insurer’s rate chart and table of benefits, and quote from them the same day.

Request access How it works