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.
/api/v1/takaful/calculateTry it out
/api/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 "Authorization: Bearer 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 |
Debugging & Support
Include X-Request-ID when contacting support
Every response from KhaleejiAPI includes an X-Request-ID header — a unique identifier that lets our support team pull the exact log entry for your request within seconds. Always share it when reporting an unexpected error or unexpected result.
How to capture it
JavaScript / fetch
const res = await fetch("https://khaleejiapi.dev/api/v1/...", {
headers: { Authorization: "******" },
});
const requestId = res.headers.get("x-request-id");
console.log("Request ID:", requestId);
// → e.g. "req_01j9xkz4vp8..."cURL
curl -si "https://khaleejiapi.dev/api/v1/..." \ -H "Authorization: ******" | grep -i x-request-id # → x-request-id: req_01j9xkz4vp8...
Browser DevTools
Open DevTools (F12) → Network tab → click the failing request → scroll to the Response Headers section → copy the value next to x-request-id.
For a full list of error codes and guidance on common issues, see the Troubleshooting guide.