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Enterprise Insurance Platform

Complete Insurance Management
Built for Zambia

End-to-end insurance lifecycle management with RTSA integration, mobile money payments, USSD premium collection, and automated workflows. Built by a ZICTA-licensed, ICTAZ-certified team.

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Pre-Integrated

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 Changers

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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Trust & Compliance

Built by a Trusted, Certified Partner

Ontech Solutions is fully licensed, accredited, and compliant with Zambian regulatory standards

ZICTA Licensed

Zambia ICT Authority

Fully licensed by ZICTA as a telecommunications and ICT service provider, ensuring all platform communications (SMS, USSD, Voice) operate within regulatory requirements.

ICTAZ Member

ICT Association of Zambia

Registered member of ICTAZ, demonstrating professional excellence and adherence to industry best practices in software development and IT service delivery.

Registered Data Processor

Data Protection Act Compliance

Registered Data Processor under the Zambia Data Protection Act, ensuring all policyholder and client data is handled with full legal compliance and privacy safeguards.

PIA Compliant

Pensions & Insurance Authority reporting standards

ZRA Compliant

Zambia Revenue Authority tax & levy integration

IAZ Aligned

Insurers Association of Zambia industry standards

RTSA Integrated

Live vehicle verification via Road Transport & Safety Agency

Why Ontech Solutions?

  • ✓ 10+ years delivering enterprise ICT solutions in Zambia
  • ✓ Own payment gateway with Airtel, MTN & Zamtel mobile money
  • ✓ Own SMS/USSD infrastructure (*388#) via CloudServiceZM
  • ✓ SIP contact center plug-and-play integration
  • ✓ Full regulatory compliance -- ZICTA, ICTAZ, PIA, ZRA, IAZ
50+
API Modules
76+
Endpoints
5
Integrations
7yr
Audit Retention
Complete Platform

18 Modules. 4 AI Models. 1 Platform.

Everything from underwriting to claims to compliance -- with AI built in

AI-Powered

AI/ML Underwriting Engine

4 ML models running in real-time for smarter decisions

  • ✓ Auto-underwriting with 91% confidence
  • ✓ ML fraud detection (91.5% accuracy)
  • ✓ Predictive risk scoring (0-100)
  • ✓ Payment default prediction
  • ✓ Top-5 factor explainability per decision

Underwriting Workflow

22 API endpoints for complete case lifecycle

  • ✓ Case creation from quotations
  • ✓ SLA tracking with breach alerts
  • ✓ Multi-level approval workflows
  • ✓ Bulk assign & bulk decision tools
  • ✓ PDF case reports & document management

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
New

Mobile App (Flutter)

Android & iOS app for policyholders

  • ✓ PIN + biometric login
  • ✓ File claims with camera photos
  • ✓ Mobile money payment (Airtel/MTN/Zamtel)
  • ✓ Browse products & request quotes
  • ✓ USSD fallback (*388#) for no-data access

Client Self-Service Portal

38 API endpoints for customer self-service

  • ✓ Phone + PIN registration & login
  • ✓ Policy view, claims filing, payments
  • ✓ Quote request & acceptance workflow
  • ✓ Document upload & download
  • ✓ Premium calculator

AML & Sanctions Screening

Automated compliance checks on every case

  • ✓ PEP (Politically Exposed Person) detection
  • ✓ Sanctions list screening
  • ✓ High-risk jurisdiction flagging
  • ✓ KYC verification status tracking
  • ✓ Red flag scoring with audit trail

Reinsurance Management

Treaty, facultative, and cession tracking

  • ✓ Ceded percentage & status tracking
  • ✓ Reinsurer approval workflow
  • ✓ Bordereaux reporting
  • ✓ Claim recovery tracking
  • ✓ IFRS 17 compliance reporting

Actuarial & Rating Engine

Advanced premium calculation & loss analysis

  • ✓ Multi-factor rating tables
  • ✓ Loss ratio analysis by product
  • ✓ IBNR reserve calculations
  • ✓ Mortality & morbidity tables
  • ✓ Solvency calculations
AI-Powered

ML Fraud Detection

Real-time fraud scoring on every claim

  • ✓ 91.5% accuracy fraud classifier
  • ✓ Batch scoring for claim portfolios
  • ✓ Early claim & repeat claimant detection
  • ✓ Explainable top-5 risk factors
  • ✓ Auto-flag for investigation
Platform Power

Enterprise-Grade at Every Level

Built for Zambia. Powered by AI. Ready for scale.

18
Feature Modules

Underwriting, Claims, Payments, Compliance & more

4
AI/ML Models

Fraud, Risk, Auto-Underwriting, Default prediction

5
Channels

Web, Mobile App, USSD, SMS, SIP Contact Center

91%
ML Accuracy

Fraud detection, risk scoring, auto-underwriting

Multi-Tenant

Isolated data, branded portals, per-company config

REST API

API-first design with Swagger/OpenAPI docs

White-Label

Branding, SMS sender ID, USSD shortcode

Flutter App

Android & iOS with offline support

Ready to Transform Your Insurance Operations?

See how Ontech's platform can modernize your entire insurance workflow -- from onboarding to renewals

Request a Demo Contact Sales

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

Download Mobile App • Client Portal • USSD: *388#