Takaful Calculator API
Estimate Sharia-compliant insurance contributions for health, motor, property, life, travel, and business coverage. Supports Wakalah and Wakalah-Mudarabah models across all GCC countries.
/v1/takaful/calculateTry it out
/v1/takaful/calculateParameters
Code
curl -X GET "https://khaleejiapi.dev/api/v1/takaful/calculate?type=health&coverage=100000¤cy=AED&country=AE&model=wakalah_mudarabah&age=30&dependents=0" \ -H "X-API-Key: your_api_key"Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
| type | string | Required | Insurance type: health, motor, property, life, travel, business |
| coverage | number | Required | Sum insured / coverage amount |
| currency | string | Optional | Currency code (default: AED) |
| country | string | Optional | 2-letter GCC country code (default: AE) |
| model | string | Optional | Takaful model: wakalah or wakalah_mudarabah (default: wakalah_mudarabah) |
| age | number | Optional | Age of insured (default: 30) |
| dependents | number | Optional | Number of dependents (default: 0) |
Type-Specific Parameters
vehicle_age — Vehicle age in years (motor type)
property_type — residential or commercial (property type)
trip_days — Trip duration in days (travel type, default: 7)
destination — gcc, asia, europe, americas, africa (travel type)
employees — Number of employees (business type)
industry — low_risk, medium_risk, high_risk (business type)
Response Fields
estimate
Annual and monthly contribution, wakalah fee, risk pool allocation, base and effective rates
model
Takaful model details: name, description, fee percentages, and Sharia compliance flag
adjustments[]
Rate adjustment factors (age, dependents, vehicle age, etc.) with percentage impact
disclaimer
Educational use disclaimer in English and Arabic
Rate Limits
| Plan | Requests/Month | Rate Limit |
|---|---|---|
| Free | 1,000 | 10 req/min |
| Starter | 10,000 | 60 req/min |
| Professional | 100,000 | 300 req/min |
| Business | 500,000 | 1,000 req/min |