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Enterprise Insurance Platform

Complete Insurance Management
Built for Zambia

Choose managed cloud (from K2,500/month) or standalone deployment (K120,000 one-time). Full-featured platform with RTSA integration, mobile money payments, and automated workflows.

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Key Integrations

Pre-integrated with essential Zambian services. No additional setup required.

LIVE

RTSA Integration

Direct connection to Road Transport & Safety Agency for instant vehicle verification

  • • Real-time vehicle lookup
  • • Auto-fill motor insurance forms
  • • Compliance verification
INTEGRATED

Ontech Payment Gateway

Accept payments via mobile money and cards with instant confirmation

  • • Airtel, MTN, Zamtel Mobile Money
  • • USSD premium collection (*388#)
  • • Card payments (Visa/Mastercard)
PLUG & PLAY

Contact Center (SIP)

Plug-and-play SIP integration for your existing phone system

  • • VoIP/SIP phone integration
  • • Call logging & recording
  • • Omnichannel support (SMS/WhatsApp)

All integrations are pre-configured and ready to use. No technical setup required.

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Game-Changing Automation

Three revolutionary features that transform how insurance is sold, serviced, and renewed in Zambia

DSA Management

Empower your sales agents

  • Instant Sales: Agents make sales on the spot, policy issued immediately
  • Real-Time Lead Alerts: Automatic notifications for hot prospects
  • Clear Commissions: Transparent structure, withdraw anytime via mobile money

Zero-Touch Onboarding

100% digital, no agent needed

  • Signup to Policy: Client goes from registration to full policy via email without talking to anyone
  • Instant Payment: Pay via USSD (*388#) or mobile money, automatic activation
  • Perfect for 3rd Party: Motor insurance policies issued in minutes, fully automated

Smart Retention

Never lose a client to inaction

  • 30 Days Out: Email & SMS notification before policy expires
  • Second Reminder: If no action, another SMS reminder sent automatically
  • Auto Call Generation: Still no response? VOIP/SIP system auto-connects to customer service with payment link ready

The Result? Higher Conversions, Lower Costs, Zero Lapses

This isn't just software—it's a complete transformation of how insurance operates. Your DSAs sell more, your clients serve themselves, and renewals happen automatically.

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Two Deployment Models

Choose the option that best fits your business

MOST POPULAR

Managed Cloud

Fast setup, worry-free management

K2,500-K7,500

per month + usage fees

  • • Setup in 10 minutes - Instant deployment, start immediately
  • • We manage everything - Updates, backups, security, scaling handled for you
  • • Integrated billing - Pay through our payment gateway, automatic renewal
  • • Usage-based pricing - SMS, Email quotas, pay as you grow
  • • 30-day free trial - No credit card required to start
  • • Fully branded - Your logo, colors, USSD shortcode, SMS sender ID
Start Free Trial

Best for: Small-medium insurers, fast launch, predictable costs

FULL CONTROL

Standalone

Your own dedicated infrastructure

K120,000

one-time setup fee

  • • Your own servers - Dedicated infrastructure, full data ownership
  • • Complete customization - Modify source code, add features, integrate anything
  • • No monthly fees - One-time setup, you handle hosting & operations
  • • No usage limits - Unlimited SMS, emails, users, policies (you pay providers directly)
  • • Optional managed support - K12,000/month - we maintain your deployment (optional)
  • • White-label ready - Resell to other insurers, add your branding
Request Quote

Best for: Large insurers, compliance needs, custom requirements

Complete Insurance Platform Features

Available in both deployment models

RTSA Integration

Live verification with Road Transport & Safety Agency

  • ✓ Instant vehicle verification
  • ✓ Real-time registration plate lookup
  • ✓ Vehicle details auto-population
  • ✓ Compliance checking
  • ✓ Automated motor insurance quotes

Payment Gateway

Integrated mobile money & card payments

  • ✓ Airtel Money, MTN, Zamtel Kwacha
  • ✓ Ontech payment gateway integration
  • ✓ USSD (*388#) premium collection
  • ✓ Card payments (Visa, Mastercard)
  • ✓ Real-time payment confirmation
  • ✓ Automated receipts & reconciliation

Contact Center

Plug & play SIP integration ready

  • ✓ VoIP/SIP phone system integration
  • ✓ Call logging & recording
  • ✓ Customer interaction history
  • ✓ Queue management & routing
  • ✓ SMS & WhatsApp integration
  • ✓ Omnichannel customer support

Complete Policy Management

  • ✓ Motor, Life, Health, Property
  • ✓ Quotations & underwriting
  • ✓ Automated renewals
  • ✓ Claims processing & approval

SMS & Email Automation

  • ✓ Custom SMS sender ID
  • ✓ Branded email templates
  • ✓ Automated policy reminders
  • ✓ Payment receipts & notifications

Sales Agent Management

  • ✓ Agent territories & assignments
  • ✓ Commission tracking
  • ✓ Performance dashboards
  • ✓ Target vs. actual reporting

Multi-Channel Notifications

16 API endpoints for automated notifications

  • ✓ Email campaigns with templates
  • ✓ SMS notifications via CloudServiceZM
  • ✓ In-app notification center
  • ✓ Scheduled delivery & bulk sending

Automated Reporting

Scheduled report generation & distribution

  • ✓ Daily, weekly, monthly schedules
  • ✓ PDF, Excel, CSV export formats
  • ✓ Email distribution lists
  • ✓ Sales, claims, financial reports

Audit & Activity Logging

16 API endpoints for compliance & security

  • ✓ Complete activity audit trail
  • ✓ Security event monitoring
  • ✓ 7-year retention (PIA/ZRA/IAZ)
  • ✓ Data change tracking & snapshots

Document Management

20+ API endpoints for enterprise file storage

  • ✓ Policy & claim document storage (50MB)
  • ✓ Complete version control & history
  • ✓ SHA-256 file integrity verification
  • ✓ Confidential document protection
  • ✓ Access logging & audit trails

Workflow Automation

17 API endpoints for process automation

  • ✓ Automated policy renewals & reminders
  • ✓ 11 step types (email, SMS, API, conditions)
  • ✓ Scheduled, event-based & manual triggers
  • ✓ Complete execution tracking
  • ✓ Workflow templates & marketplace

Commission Management

17 API endpoints for agent commissions

  • ✓ Auto-calculate % / flat / tiered rates
  • ✓ 5 agent tiers (Bronze to Diamond)
  • ✓ Approval workflows & payment tracking
  • ✓ Mobile money payouts integration
  • ✓ Real-time commission statements

Detailed Pricing Comparison

Transparent pricing, no hidden fees

Feature Managed Cloud
(Trial → Standard → Premium)		 Standalone
Setup Cost FREE K120,000 one-time
Monthly Fee K2,500 - K7,500 K0 (or K12,000 for managed support)
SMS Quota 1,000 - 50,000/month Unlimited (you pay provider)
Email Quota 500 - 25,000/month Unlimited (you pay provider)
Users 3 - 50 users Unlimited
Setup Time 10 minutes 2-5 days
Hosting & Maintenance Included (we handle) You handle (or K12,000/mo)
Software Updates Automatic (free) Manual (or included in K12,000/mo)
Source Code Access No Yes (full access)
Customization Branding only Unlimited (modify anything)
Payment Gateway Our gateway (Ontech) Your choice (any provider)
Data Location Shared infrastructure (isolated) Your servers (anywhere)
Best For Small-medium insurers, fast launch Large insurers, compliance needs

Managed Cloud Plans

Trial FREE

30 days • 1,000 SMS • 500 emails • 3 users

Standard K2,500/mo

10,000 SMS • 5,000 emails • 10 users • 10GB storage

Premium K7,500/mo

50,000 SMS • 25,000 emails • 50 users • 100GB storage

Standalone Pricing

Setup & Installation K120,000

One-time fee • Includes deployment, configuration, training

Self-Managed K0/mo

You handle hosting, backups, updates, security

Managed Support K12,000/mo

Optional • We maintain your deployment, updates, backups

Ready to Get Started?

Choose the deployment model that works best for your business

Start Free Trial (Managed Cloud) Request Standalone Quote

Questions? Email us at info@ontech.co.zm or call +260 979 669 350