Breaking the Health-Poverty Trap

1. Personal Accident Insurance: 24/7 Financial Protection
This serves as the crucial entry point into our personal insurance line. It provides borrowers and their families with round-the-clock financial protection against accidental injury, disability, or death.

The Disruption: By leveraging our network scale, we secure incredibly low yearly premiums that are affordable for every active borrower.

The Impact: In the event of an accident, families receive a cash payout to cover immediate hospital bills, medical needs, or funeral expenses—preventing a sudden economic collapse.

2. Health Insurance: Comprehensive Care & Maternity Support
We go beyond basic accident coverage by offering broader medical expense insurance linked to specific diseases, hospital stays, and critical lifecycle events, including maternity and delivery costs.

The Disruption: We don't just offer insurance; we build healthcare ecosystems. We partner directly with local health facilities, developing and enforcing recommended standards of care to ensure our clients receive high-quality treatment.

The Impact: Vulnerable households gain reliable access to vetted health facilities for a fraction of the traditional cost, drastically reducing the impact of tropical, infectious, and preventable diseases.

Synergy with World Vision
We are actively integrating our microinsurance innovations directly into World Vision’s broader development work.

Protecting Savings Groups: We are deploying our Personal Accident product to World Vision’s Savings Groups. By charging a micro-premium to the group’s collective savings pool, the entire group is protected. If a member falls ill and cannot contribute, the insurance covers the gap, preserving the community's capital.

Scaling Care: We are currently piloting specialized health insurance products designed specifically for World Vision’s most vulnerable sponsored children, creating a generational safety net.