Inclusivity Solutions designs, builds, and operates digital insurance solutions to increase insurance inclusion through mobile technology, especially for emerging consumers. The company has experience researching, advising on, and implementing digital financial services across multiple countries in areas like digital insurance, microinsurance, health financing, agriculture insurance, mobile money, disaster risk reduction insurance, and traditional insurance. Inclusivity Solutions has worked in countries in Africa, Asia, and Latin America to develop initiatives like partnerships with mobile network operators to provide insurance through mobile phones.

1. 1
EXPERTS IN CREATING
INCLUSIVE DIGITAL
INSURANCE MARKETS
INCLUSIVITY SOLUTIONS
Company Overview
11 July 2018

2. INCLUSIVITY SOLUTIONS DESIGNS, BUILDS AND OPERATES DIGITAL
INSURANCE SOLUTIONS FOR EMERGING CONSUMERS

3. THERE IS A SIGNIFICANT OPPORTUNITY TO INCREASE INSURANCE
INCLUSION THROUGH MOBILE

4. 4
OUR TEAM HAS EXPERIENCE IN RESEARCHING, ADVISING AND
IMPLEMENTING DIGITAL FINANCIAL SERVICES ACROSS MULTIPLE COUNTRIES
Project Areas Example Markets
Digital insurance Rwanda, Kenya, Pakistan,
Cambodia, Ghana, Tanzania,
Zimbabwe, Zambia, Cote
d’Ivoire, Uganda…
Microinsurance India, Pakistan, Philippines,
China, Peru, Brazil, Colombia…
Health Financing Mozambique, Kenya, South
Africa…
Agriculture Value
Chains, Financing and
Insurance
Rwanda, Kenya
Mobile Money Kenya, Haiti, Mozambique
Financial Service
Agents
Mexico, Colombia,
Mozambique…
Disaster-Risk
Reduction and
Insurance
Haiti, Rwanda
Traditional Insurance South Africa, Nigeria, Ghana,
Kenya…
Ghana: MTN MiLife
Pakistan: M-
Insurance Strategy
Zimbabwe: EcoLife
Cambodia: Mobile
Product Development
South Africa: Hollard
Haiti: MiCRO/Fonkoze
Uganda : UTL
Cote d’Ivoire: MNO
(forthcoming)
India/Philippines:
Economics of
Microinsurance Study
Kenya: Equitel
Rwanda: Tigo Rwanda
Countries where Inclusivity Solutions has worked
Countries where team has worked in previous capacities

5. 5
EXAMPLES OF INCLUSIVITY INITIATIVES

6. 6
SAMPLE CUSTOMER JOURNEY
2. Customer is notified via
SMS about insurance
3b. Customer can purchase
insurance via call centre,
Mobile Web, USSD, or
agents
4. Customer pays premium
via mobile money, airtime,
or post paid contract bills
5. Customer can always
check the policy status or
make changes via mobile
web, USSD or call centre
6. Customer submits a
claim either digitally or at a
fixed agent locations
3a. Customer opts in to free
insurance via SMS, Mobile
Web, or USSD
MobiCo is now offering
valuable insurance
protection. For more
information, call 185 or
visit MobiCo.com/sure.
Inclusivity Agent: Would
you be interested in
purchasing additional
MobiCo hospital
coverage for your family
members?
Customer: Sounds great!
7. Valid claims are paid
within 48-72 hours to
customers
Inclusivity Agent:
Your claim has been
approved and has
been paid into your
mobile wallet.
1. Marketing campaigns
(ATL & BTL) inform of
products
Congrats, you have free
MobiCo hospital insurance
valid until end November.
Get 1500/night you spend
in hospital for stays of 3
nights or more. For more
info, call 185.

7. www.inclusivitysolutions.com