# Klaim

> Klaim (Klaim Kapital Technologies Limited / Klaim Holdings Limited) is an Abu
> Dhabi-founded, UAE-based healthcare fintech that advances working capital
> against receivables. Healthcare providers, real estate brokers and SMEs submit
> unpaid insurance claims or invoices; Klaim's AI evaluates and prices the risk,
> advances up to 90% of face value within 24 hours, and collects when the payer
> or client settles. Founded in December 2019 by Karim Dakki (CEO) and Ahmad
> Ghafour. Backed by Techstars.

Klaim operates as a product company, not an API platform. As of this writing it
publishes no public developer portal, API documentation, API reference, OpenAPI
description, SDKs, CLI, sandbox, changelog or status page. This file was
generated by the API Evangelist enrichment pipeline from the company's own
public web surface. No API artifacts are asserted because none are published.

## Products

- [Klaim Health](https://klaim.ai/health): Advances up to 90% of pending
  insurance claim value to healthcare providers within 24 hours, with
  AI-powered denial prediction and claim insights. Addresses 90-120 day
  insurer payment cycles and 30-40% denial rates.
- [Klaim Flow](https://klaim.ai/flow): Receivables purchasing for SMEs —
  turns outstanding B2B invoices into cash within 24 hours via an invoice
  financing plus escrow model, without adding debt to the balance sheet.
- [Klaim Estate](https://klaim.ai/estate): Commission advances for UAE real
  estate agents and brokers waiting 60-120 days on developer payouts.
- Klaim Eligible: Digital insurance eligibility verification for medical
  providers (referenced in customer testimonials; no standalone product page).

## How it works

1. Submit an invoice or insurance claim through the platform.
2. AI evaluates it instantly — real-time risk and creditworthiness assessment
   determines the advance amount.
3. Receive up to 90% of claim value in a bank account within 24 hours.
4. Repay only when the payer or client settles.

## Company

- [Website](https://klaim.ai/)
- [LinkedIn](https://linkedin.com/company/klaim-ai/)
- Founded: December 2019, Abu Dhabi, United Arab Emirates
- Founders: Karim Dakki (CEO), Ahmad Ghafour
- Operating territory (per Terms of Service): Bahrain, Kuwait, Oman, Qatar,
  Saudi Arabia, United Arab Emirates, Tunisia, Algeria, Morocco, Egypt, Turkey
- Legal entities: Klaim Kapital Technologies Limited, Klaim Holdings Limited
- Contact: hello@klaim.ai — Data privacy: dataprivacy@klaim.ai

## Legal

- [Terms of Service (UAE)](https://klaim.ai/terms/uae)
- [Terms of Service (KSA)](https://klaim.ai/terms/ksa)
- [Privacy Policy (UAE)](https://klaim.ai/privacy/uae)
- [Privacy Policy (KSA)](https://klaim.ai/privacy/ksa)

## API Evangelist artifacts

- [APIs.json](https://raw.githubusercontent.com/api-evangelist/klaim/refs/heads/main/apis.yml)
- [Domain security probe](https://raw.githubusercontent.com/api-evangelist/klaim/refs/heads/main/security/klaim-domain-security.yml)
- [Well-known index](https://raw.githubusercontent.com/api-evangelist/klaim/refs/heads/main/well-known/klaim-well-known.yml)