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Mandatory data
Condition, purchase price, purchase date, and police abstract are required where relevant.
Product case study
Inside the MicroInsure Digital Insurance Platform
MicroInsure brings customer onboarding, policy issuance, payment, valuation, claims evidence, and settlement into one connected workflow.
Operating model
Not just an app. A complete insurance workflow.
The platform is designed to make small-ticket insurance operationally viable by combining mobile onboarding with human review at the moments that matter.
Onboarding
Quotation
Payment
Valuation
Claims
Settlement
Product design
Workflow maturity map
Directional view of the platform areas already represented in the MicroInsure product flow.
Workflow
Customer workflow
- 1. Create accountCustomer signs up and registers a device or appliance.
- 2. Upload photoThe item is captured with device details, purchase price, date, and condition.
- 3. Generate quotationThe app calculates premium and policy duration options.
- 4. PayCustomer pays through M-Pesa or Premium Finance.
- 5. ClaimEligible claims require police abstract and capped claim amount.
Workflow
Agent workflow
- 1. Verify customerAgent validates customer through phone call, WhatsApp, or email.
- 2. Review policyAgent reviews valuation, item details, photos, and calculations.
- 3. Video valuationAgent initiates room-based valuation calls.
- 4. Claim reviewAgent sees extracted text, photos, videos, and requests more evidence.
- 5. SettlementAgent approves for settlement, confirms action, and moves claim to settlement queue.
Controls
Controls built into the journey
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Eligibility rules
Inactive policies cannot raise claims and IPF claims unlock only after all installments are paid.
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Evidence requests
Actioned photo, video, and call notifications are greyed out for clarity.
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Settlement discipline
Settlement amount cannot exceed insured item amount and approval requires confirmation.
Open the demo Agent Web App
Explore the agent-side operating console for customer verification, policy review, video valuation, claims evidence, settlement approvals, dashboards, Premium Finance information, and premium settings.
Demo access is provided for evaluation purposes. Some data, integrations, and workflows may be configured for demonstration rather than live production use.