Industries
Solutions for Microinsurance Providers
Microinsurance depends on reaching many customers with low-cost products and collecting small premiums efficiently. Ontech's USSD and mobile money channels, with automated administration, make mass-market, inclusive insurance viable.
Industry challenges
- Very low premiums require ultra-low unit cost
- Customers often have no smartphone or bank card
- Massive volumes demand full automation
- Financial-inclusion and regulatory expectations
How the platform helps
Products are distributed and serviced over USSD, and premiums are collected over mobile money — reaching customers without cards or smartphones. Straight-through administration keeps unit costs low enough for micro-premiums to work.
Expected outcomes
- Viable low-premium products at scale
- Wider market reach and financial inclusion
- Low cost to serve through automation
Frequently asked questions
How is microinsurance distributed to customers without smartphones?
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See the platform on your data
Talk to the Ontech team about deploying the Enterprise Insurance Operating System for your business in Zambia.
Last reviewed: 2026-07-29