Insurance for Every African.
BimaOS is an open insurance infrastructure platform that makes coverage accessible via USSD, AI-powered claims, and blockchain-verified payouts. Built for the informal economy.
Everything you need for inclusive insurance
BimaOS bridges the gap between informal communities and formal insurance providers.
USSD & SMS First
Works on any phone — no smartphone or internet required. Dial *384*11400# to buy, claim, and manage policies.
AI Claims Processing
Computer vision analyzes damage photos in seconds. Fraud detection flags manipulated images automatically.
Blockchain Trust
Every policy and claim is recorded on an immutable ledger. Real-time auditing for regulators and insurers.
Instant Payouts
Approved claims paid directly to M-Pesa within minutes. No paperwork, no waiting for weeks.
Parametric Insurance
Weather-indexed crop insurance that pays out automatically when rainfall thresholds are breached.
RegTech Compliance
Automated IRA compliance, KYC/AML checks, and audit-ready reporting for insurance partners.
Insurance products for every African
From boda boda riders to smallholder farmers — coverage that fits your life and budget.
Daily Boda Cover
Accident and theft protection for boda boda riders. Pay as you ride - only KES 20 per day.
KES 20
per day · up to KES 50k
Daily Market Cover
Protect your market stock and goods against fire, theft, and damage. From KES 30/day.
KES 30
per day · up to KES 30k
Seasonal Crop Cover
Weather-indexed protection for smallholder farmers. Automatic payouts when rainfall fails.
KES 150
per season · up to KES 150k
Health Cover
Affordable daily health insurance. Covers outpatient visits, basic procedures, and emergency care.
KES 50
per day · up to KES 200k
SME Fire & Stock Cover
Comprehensive cover for small businesses. Fire, theft, stock damage, and business interruption.
KES 100
per day · up to KES 500k
Life Cover
Simple life insurance that pays out to your family. From KES 40/day.
KES 40
per day · up to KES 1000k
Funeral Insurance
Dignified funeral cover for you and your family. Quick payouts when you need them most.
KES 30
per day · up to KES 100k
Education Savings Plan
Save and insure your child's education. Combines savings with life cover.
KES 80
per day · up to KES 500k
How BimaOS works
From USSD to payout in four simple steps — no paperwork, no branches, no delays.
Dial *384*11400#
Open the USSD menu on any phone. No app, no internet, no smartphone needed.
Select "Buy Insurance" and choose your cover type.
Pay via M-Pesa
Confirm with a single tap. Premiums deducted directly from your mobile money.
Daily premiums from KES 20. Pay only when you need cover.
File a Claim via SMS (21565)
Send a photo of the damage via the secure link we SMS you, or trigger a claim text to Short Code 21565.
Get a confidence score and update in under 60 seconds.
Get Paid in Minutes
Approved claims paid directly to M-Pesa. High-confidence claims skip the queue.
Blockchain-verified. Auditable. Transparent.
3 min
Average time to get covered
KES 20
Minimum daily premium
99.9%
USSD gateway uptime
24/7
Claims processing
The infrastructure layer for African insurance
BimaOS is not an insurance company. We're the technology layer that helps you reach, serve, and retain millions of new policyholders profitably.
Access 80%+ Unserved Market
Reach informal workers, smallholder farmers, and MSMEs who have never had insurance.
Real-Time Dashboard
Monitor policies, claims, payouts, and fraud alerts in real time via our web portal.
AI Fraud Detection
Reduce false claims by up to 40% with computer vision and pattern detection.
API-First Architecture
Integrate BimaOS into your existing systems via REST APIs. Works with any core system.
Regulatory Compliance
Automated IRA reporting, KYC/AML checks, and audit-ready blockchain records.
Lower Operations Cost
Process micro-premiums profitably. Our cost per policy is 80% lower than traditional models.