Distributing insurance in Africa costs too much. USSD changes the game.
Zoelya enables insurers to offer enrollment, premium payments, and claims filing via USSD, accessible on any phone, no internet needed.
Why insurance reaches only 3% of Africans
Distribution costs, process complexity, and the lack of accessible digital channels hold back insurance penetration in Africa. USSD removes these barriers.
Insurance penetration rate in sub-Saharan Africa
Customer acquisition cost in-branch vs digital channel
Of micro-insurance policies not renewed (process too complex)
Of the population covered by GSM network (USSD)
What Zoelya brings to your distribution
A complete platform to distribute, manage, and automate your micro-insurance products via USSD.
Remote enrollment
Offer your micro-insurance products to millions of customers without physical branches. Enrollment in a few USSD steps with integrated mobile payment.
Premium collection
Automatic payment or USSD push reminders. Mobile money, telecom balance deduction, or bank debit. Improved collection rate.
Simplified claims filing
Step-by-step guided process via USSD. Simple claims are processed automatically, complex ones escalated to your teams.
Automated renewal
Reminder notifications before expiry and one-click renewal. Reduce churn rate on your policies.
Real-time coverage tracking
Your policyholders check their status, policy details, and payment history at any time, reducing contact center calls.
Awareness campaigns
Targeted USSD push to educate and offer products tailored to each customer's profile.
Why insurers choose Zoelya
Distribution, automation, compliance: the three pillars for launching micro-insurance at scale.
Low-cost distribution
Reach millions of potential customers without a branch network. The USSD channel significantly reduces customer acquisition cost.
Process automation
Automated enrollment, premium collection, and simple claims processing. Less manual handling, more policies managed.
Data and analytics
Collect structured data on your policyholders. Enrollment rate, renewal, claims ratio by product. Drive your micro-insurance business.
Built-in CIMA compliance
Journeys compliant with the Inter-African Conference on Insurance Markets requirements. Complete traceability for regulatory audit.
Zoelya connects to your policy management system
Zoelya sits between your telecom operator and your insurer systems. No changes to your existing infrastructure. An application layer that manages USSD journeys.
Integration with major policy management systems and mobile money
Connection to mobile money operators (Orange Money, MTN MoMo, Wave, Airtel Money)
Complete traceability of every interaction for CIMA compliance
Security and regulatory compliance
Policyholder data is protected according to the most demanding industry standards.
AES-256 & TLS 1.3 encryption
Communications between Zoelya Engine and your systems (insurer, USSD gateway) encrypted with TLS 1.3. Data at rest encrypted with AES-256.
CIMA compliance
Compliant with the Inter-African Conference on Insurance Markets and local regulator requirements.
Claims traceability
Complete history of every interaction for audit, compliance, and fraud prevention.
Logging and audit
Comprehensive access and transaction logging to meet regulatory audit requirements.
Frequently asked questions
What types of insurance products can be offered via USSD?
How does premium payment work via USSD?
Is Zoelya compliant with CIMA regulations?
How long does it take to integrate Zoelya?
Ready to distribute insurance via USSD?
Connect Zoelya to your system and offer your products to millions of customers.