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Good morning, Admin 👋
Industry-wide overview — all 32 member insurers
Total Industry Policies
284,912
↑ 4.2% this month
Claims Submitted (YTD)
41,330
↑ 8.1% vs last year
Flagged — Action Required
1,247
↑ 12 new today
Data Quality Score
94.3%
↑ 1.8% this week
🔔 High-Priority Flags
| Claimant / Policy | Insurer | Flag | Risk | Status | |
|---|---|---|---|---|---|
| Mohamed Hassan POL-2024-09821 | Jubilee | Duplicate Claim | HIGH | Pending | |
| Amina Juma POL-2024-11203 | AAR | Multi-Policy | MED | Pending | |
| TZI Motors Ltd POL-2024-09233 | Britam | Fraud Network | CRIT | Escalated |
📈 Monthly Premium Volume (TZS Billion)
📊 Claims by Category
Motor (42%)
Medical (26%)
Property (17%)
Other (15%)
📥 Data Submissions
Submitted on time29 / 32
Overdue3
Validation errors7 files
Home / Validation Queue
Validation Queue
Data from insurers pending quality checks before entering the CDR
⚠️ 7 files have errors and cannot be accepted until resolved. 3 insurers are overdue on submissions.
Pending Submissions
| File | Insurer | Records | Errors | Warnings | Quality | Action |
|---|---|---|---|---|---|---|
| dec2024_claims.csv | AAR Insurance | 1,204 | 14 | 32 | 88.2% | |
| dec2024_uw.xlsx | Mayfair Insurance | 3,891 | 3 | 11 | 95.1% | |
| nov2024_motor.csv | Sanlam Tanzania | 2,200 | 0 | 4 | 99.1% |
Overdue Insurers
| Insurer | Due Date | Days Overdue | Action |
|---|---|---|---|
| Heritage Insurance | Dec 10, 2024 | 3 days | |
| Strategis Insurance | Dec 10, 2024 | 3 days |
Home / Vetting Engine
Automated Vetting Engine
Cross-checking all submitted policies and claims against the full CDR
High Risk — Action Required
48
Medium — Review
203
Resolved Today
17
Avg Resolution
4.2 hrs
🔴 High Risk (48)
🟡 Medium (203)
✅ Resolved (17)
⚠️
Mohamed Hassan — Motor Claim #CLM-2024-4412
Jubilee InsuranceClaim: TZS 12,000,000Risk Score: 87/100
⚡ Duplicate claim — same incident at AAR Insurance (TZS 11.5M)
📋 3 prior claims in 18 months
🔍 NID mismatch on submission
⚠️
TZI Motors Ltd — Fleet Policy #POL-2024-09233
Britam Insurance · Sum Insured: TZS 220M · Risk Score: 92/100
⚡ Fraud network — 3 linked entities across Britam, Jubilee, Sanlam
⚡ Same vehicle chassis on 2 policies
Home / Fraud Detection
Fraud Detection System
Industry-wide pattern recognition across all member insurer data
Active Investigations
23
Suspicious Patterns
147
Fraud Prevented (TZS)
4.2 Billion
YTD 2024
Network Links Found
38
🚨 Fraud network detected across Britam, Jubilee, Sanlam — Network ID: FRD-NET-2024-007. Estimated exposure: TZS 780M
Active Fraud Cases
| Pattern ID | Type | Entities | Insurers | Exposure | Status |
|---|---|---|---|---|---|
| FRD-NET-2024-007 | Network Fraud | 3 linked | Britam, Jubilee, Sanlam | TZS 780M | Investigation |
| FRD-DUP-2024-093 | Duplicate Claims | 4 holders | AAR, Jubilee | TZS 48M | Review |
| FRD-STG-2024-041 | Staged Accident | 2 claimants | Britam | TZS 22M | Review |
Home / User Management
User Management
Manage roles and access for all ATI CDB system users
All System Users
| User | Role | Organisation | Last Login | Status | Actions |
|---|---|---|---|---|---|
NM Natalino Mwenda njm@rasello.com | ATI Admin | ATI | Today | Active | |
AM Alice Mwangi a.mwangi@jubilee.co.tz | Insurer User | Jubilee Insurance | Dec 11, 2024 | Active | |
TK Thomas Kibor t.kibor@tira.go.tz | Regulator | TIRA | Dec 10, 2024 | Active |
Home / Reports
Reports & Exports
Generate and distribute industry-wide statistical reports
Standard Reports
Custom Builder
Scheduled
📊
Monthly Industry Statistical Report — December 2024
Generated Dec 31 · PDF & Excel · 32 pages
🔍
Fraud & Vetting Summary — Q4 2024
Generated Dec 31 · PDF · 18 pages
⚠️
Risk Distribution Full Year 2024
Generated Jan 2 · PDF & Excel · 24 pages
Home / Audit Log
Audit Trail
Tamper-proof log of all user actions and system events
14:32:04 — Dec 11, 2024
Submission SUB-2024-1142 accepted into CDR — 4,210 policy records
Alice Mwangi · Jubilee Insurance
13:41:22 — Dec 11, 2024
Fraud flag FRD-NET-2024-007 escalated to ATI Investigation Unit
Natalino Mwenda · ATI Admin
11:18:55 — Dec 11, 2024
Risk score updated for POL-2024-09821 — 72 → 87
System (Automated Engine)
10:05:11 — Dec 11, 2024
Monthly report generated and sent to 32 member insurers
System (Automated)
09:31:00 — Dec 11, 2024
Regulator Thomas Kibor (TIRA) accessed aggregated Q4 reports
Thomas Kibor · TIRA
Home / Settings
System Settings
Configure ATI CDB governance rules, notifications, and security
Data Governance
Notifications
Security
⚙️ Governance Rules
Home / Data Submission
Data Submission Portal
Manage all member insurer data submissions to the ATI Central Data Bureau
✓
Select Type
Underwriting / Claims
2
Upload Data
CSV / Excel / API
3
Validation
Auto quality check
4
Confirmed
Accepted to CDR
📋
Underwriting Data
Policy details, premiums, insured risk data
Selected ✓
🗂️
Claims Data
Loss events, claim amounts, settlement status
Select
📤 File Upload
🔌 API Submission
✏️ Manual Entry
📜 Submission History
📁
Drop your file here or click to browse
Accepted: CSV, Excel (.xlsx), Pipe-delimited TXT · Max 50MB
Home / Data Repository
Central Data Repository (CDR)
The single source of truth — all validated industry underwriting and claims data
Total Policy Records
1.84M
Across all 32 insurers
Claims Records
412K
Last CDR Update
Today 06:14
Insurer Coverage
32/32
All reporting
Policy Records
Showing 1–8 of 1,843,212 records
| Policy ID | Holder | NID / TIN | Insurer | Type | Sum Insured | Premium | Status | Risk | Action |
|---|---|---|---|---|---|---|---|---|---|
| POL-2024-09821 | Mohamed Hassan | 19901231-001 | Jubilee | MOTOR | TZS 15M | 480K | Flagged | HIGH | |
| POL-2024-11203 | Amina Juma | 19851015-002 | AAR | MEDICAL | TZS 5M | 200K | Active | MED | |
| POL-2024-09233 | TZI Motors Ltd | TIN-441-002 | Britam | MOTOR | TZS 220M | 7.2M | Escalated | CRIT | |
| POL-2024-14510 | David Kimani | 19780422-003 | Resolution | PROPERTY | TZS 80M | 2.4M | Active | LOW | |
| POL-2024-08831 | Grace Mwangi | 19920307-004 | Jubilee | LIFE | TZS 30M | 900K | Active | LOW | |
| POL-2024-13407 | Baraka Holdings | TIN-552-991 | AAR | PROPERTY | TZS 540M | 16.2M | Active | MED | |
| POL-2024-16022 | Sunrise Clinic Ltd | TIN-880-341 | Sanlam | MEDICAL | TZS 12M | 960K | Active | LOW | |
| POL-2024-07118 | Ali Mwamba | 19670911-005 | Britam | MOTOR | TZS 8M | 256K | Flagged | MED |
Page 1 of 230,402
Home / Risk Scoring
Risk Scoring Engine
AI-powered risk profiling for all policies and claimants against historical CDR data
🎯 Run Risk Assessment
— OR —
📈 Industry Risk Distribution
🏆 Highest Risk Policies Today
| Policy | Holder | Insurer | Score | |
|---|---|---|---|---|
| POL-2024-09233 | TZI Motors | Britam | 92 | |
| POL-2024-09821 | M. Hassan | Jubilee | 87 | |
| CLM-2024-5501 | J. Mwamba | AAR | 81 | |
| POL-2024-07118 | A. Mwamba | Britam | 74 |
Home / Analytics
Industry Analytics Dashboard
Aggregated insights across all 32 member insurers — updated daily
📊 Overview
🚗 Motor
🏥 Medical
🏢 Property
🔍 Fraud Trends
Industry Loss Ratio
61.4%
↑ 2.1% YoY
Total Premiums 2024
TZS 4.1T
Total Claims 2024
TZS 2.5T
Avg Claim Settlement
38 days
Market Share by Insurer (Premium Volume)
Quarterly Growth Trend
Product Mix — Policy Count vs Claims Frequency
Policy Count by Product
Claims Frequency by Product
Home / My Dashboard
Jubilee Insurance — Overview
Your submission status, data health, and flagged items for December 2024
⚠️ Your December 2024 underwriting submission is due in 2 days. Submit now →
My Active Policies
28,441
↑ 3.1% this month
My Claims (YTD)
4,820
Loss ratio: 63.2%
Flagged by ATI Vetting
14
3 require urgent action
📋 My Recent Submissions
| Submission | Type | Records | Quality | Status |
|---|---|---|---|---|
| SUB-2024-1142 | Underwriting | 4,210 | 98.2% | Accepted |
| SUB-2024-1138 | Claims | 892 | 87.4% | Under Review |
| SUB-2024-1121 | Underwriting | 3,981 | 96.7% | Accepted |
🔴 ATI Flags on My Data
High Risk3
Medium Risk11
Resolved48
📅 Deadlines
Dec 10 — Underwriting data Overdue
Dec 15 — Claims data Upcoming
Jan 10 — Next cycle
Home / Submit Data
Submit Data to ATI CDB
Upload your underwriting or claims data securely
✓
Select Type
Underwriting / Claims
2
Upload File
CSV / Excel
3
Validation
Auto quality check
4
Confirmed
Accepted to CDR
📋
Underwriting Data
Policies, premiums, insured risk
Selected ✓
🗂️
Claims Data
Loss events, amounts, settlements
Select
📤 File Upload
🔌 API
✏️ Manual Entry
📜 History
📁
Drop file here or click to browse
Accepted: CSV, Excel (.xlsx) · Max 50MB
Home / ATI Flags
ATI Vetting Flags on My Data
Cases where ATI's automated engine has flagged your policies or claims for review
ℹ️ You can view flags and add clarifying notes. Only ATI Administrators can clear or escalate cases.
High Risk
3
Require urgent response
Medium Risk
11
Resolved
48
Active Flags
| Policy / Claim | Flag Type | Risk | ATI Status | My Action |
|---|---|---|---|---|
| POL-2024-09821 Mohamed Hassan | Duplicate Claim | HIGH | Escalated | |
| POL-2024-11203 Amina Juma | Multi-Policy | MED | Under Review |
Home / My Policies
My Policy & Claims Data
View your own aggregated data as it appears in the ATI CDR (your records only, no competitor data)
My Policy Records in CDR
Showing your data only — competitor data is not visible
| Policy ID | Holder | Type | Sum Insured | Status | ATI Risk |
|---|---|---|---|---|---|
| POL-2024-09821 | Mohamed Hassan | MOTOR | TZS 15M | Flagged | HIGH |
| POL-2024-11203 | Amina Juma | MEDICAL | TZS 5M | Active | MED |
| POL-2024-08831 | Grace Mwangi | LIFE | TZS 30M | Active | LOW |
Home / My Profile
My Account
Manage your account details and API keys
Account Details
API Keys
Your API Key: ATI-2024-JUBILEE-8F4A2E1B
Home / Industry Overview
Tanzania Insurance Industry — Regulatory View
Read-only access to aggregated industry statistics. Individual insurer raw data is anonymized.
ℹ️ Regulatory Access: You have read-only access to anonymized, aggregated industry data. Individual policyholder data is not accessible to regulators.
Total Industry Policies
284,912
↑ 4.2%
Industry Loss Ratio
61.4%
↑ 2.1% YoY
Fraud Rate (Industry)
1.3%
↓ 0.2% vs Q3
Active Reporting Insurers
32/32
📊 Market Share (Anonymized)
Insurer names anonymized per ATI data governance policy
⚖️ Compliance Status
Insurers submitting on time29 / 32
Overdue submissions3
Data quality ≥ 90%28 / 32
Avg industry quality score94.3%
Home / Industry Analytics
Industry Analytics
Aggregate statistical insights — anonymized per ATI data governance rules
Overview
Claims Trends
Fraud Statistics
Total Premiums 2024
TZS 4.1T
Total Claims 2024
TZS 2.5T
Avg Claim Settlement
38 days
Industry Growth YoY
+12.4%
Premium Volume Trend (TZS Billion)
Home / Reports
Regulatory Reports
Download ATI-issued industry statistical reports. All data is anonymized per governance rules.
📊
Monthly Industry Statistical Report — December 2024
Published by ATI · Anonymized · 32 pages
🔍
Fraud & Vetting Summary — Q4 2024
Aggregated fraud statistics · No individual policyholder data
🏢
Insurer Compliance Report — December 2024
Data submission compliance by insurer · Available to regulators
Home / Compliance
Insurer Compliance Monitor
Data submission compliance and quality scores per insurer
Submission Compliance — December 2024
| Insurer | Submission Date | Data Quality | Status |
|---|---|---|---|
| Jubilee Insurance | Dec 5, 2024 | 98.2% | Compliant |
| AAR Insurance | Dec 8, 2024 | 87.4% | Errors Pending |
| Britam Tanzania | Dec 9, 2024 | 95.1% | Compliant |
| Heritage Insurance | — | — | Overdue |
| Strategis Insurance | — | — | Overdue |
Home / Analytics Dashboard
Data Analytics Workspace
Explore industry trends, run queries, and build reports on ATI CDB data
ℹ️ Analyst Access: You can query and analyse anonymized CDR data. PII is masked. You cannot modify data or manage users.
CDR Records Available
1.84M
Anonymized & validated
Industry Loss Ratio
61.4%
Fraud Detection Rate
1.3%
Data Quality (Industry)
94.3%
📈 Premium Volume Trend
🔍 Risk Distribution
🏷️ Claims Distribution by Product Line
Home / Data Query
CDR Data Explorer
Query the anonymized Central Data Repository. PII fields are automatically masked.
Build Query
✅ Query returned 41,330 records. All PII fields masked per ATI governance policy.
Query Results — Anonymized Sample
| Record ID | Product | Region | Sum Insured (TZS) | Premium | Risk Score | Holder |
|---|---|---|---|---|---|---|
| REC-00001 | MOTOR | Dar es Salaam | 15,000,000 | 480,000 | 87 | *** Masked *** |
| REC-00002 | MEDICAL | Arusha | 5,000,000 | 200,000 | 54 | *** Masked *** |
| REC-00003 | PROPERTY | Mwanza | 80,000,000 | 2,400,000 | 22 | *** Masked *** |
Home / Reports
Analytics Reports
Download published ATI industry reports and generate your own analytical outputs
📊
Monthly Industry Statistical Report — December 2024
Published by ATI · Anonymized · PDF
🧮
Custom Analysis Export
From your last query · 41,330 records · CSV
Home / My Profile
My Account
Your analyst profile and access level
Account Details