1
Low-ticket economics
Digital workflows lower the cost of selling and servicing smaller policies.
Investors
Building digital infrastructure for inclusive insurance
MicroInsure is positioned around a large access gap: insurance remains hard to buy and operate, while mobile finance has become mainstream.
2.4%Kenya insurance penetration
Low penetration signals room for accessible, affordable products.
45.36mMobile money subscriptions
A ready payment and settlement rail for high-volume products.
7.4m+MSME base
A large market for small business asset protection.
BorderlessExpansion logic
Country pages track where similar conditions can support the model.
Corporate view
Indicative opportunity scenarios
These are planning scenarios for investor discussion, not forecasts. They show how small adoption rates can matter when distribution rails are large.
| Scenario | Adoption base | Annual premium assumption | Indicative GWP |
|---|---|---|---|
| 2% of mobile money subscriptions | About 907k policies | KES 800 | About KES 726m |
| 5% of mobile money subscriptions | About 2.27m policies | KES 800 | About KES 1.81bn |
| 10% of mobile money subscriptions | About 4.54m policies | KES 800 | About KES 3.63bn |
Investment thesis
Why this can scale
2
Evidence-led claims
Structured media, OCR, and agent review reduce ambiguity and support trust.
3
Partner distribution
Retailers, brokers, insurers, and financiers can embed cover in existing journeys.
4
Country intelligence
Landscape pages help prioritize market entry with data, not assumptions.