Solutions
Insurance USSD Platform
Not every customer has a smartphone or data. USSD reaches every phone with a simple menu, letting insurers sell cover, collect premiums and offer self-service to the widest possible market — critical for financial inclusion in Zambia.
Definition. USSD is a menu-based mobile channel that works on any handset without internet. An insurance USSD platform lets customers buy cover, pay premiums and check policies from a basic phone.
Why USSD matters for inclusion
USSD requires no app, no data and no smartphone — just a phone and network. That makes it the widest-reaching digital channel in markets where feature phones and low data usage are common, opening insurance to customers a smartphone app would miss.
What customers can do over USSD
- Buy cover and get a quote
- Pay premiums
- Check policy and payment status
- Register or update details
Business benefits
- Reaches customers without smartphones or data
- Drives financial inclusion
- Low-friction premium collection
Frequently asked questions
Do customers need a smartphone to use USSD insurance?
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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