InsurTech Platform By Atine Labs™

NexaCover
Digital Insurance Hub & Distribution Platform

Bridging the protection gap across underserved markets — delivering community health, agriculture, life, and SME insurance through smart onboarding, InsurTech-driven innovation, and a last-mile partner distribution network.

Explore Cover Products Become a Partner
6+
Cover Products
8+
System Integrations
Multi
Regulatory Markets
24/7
Platform Uptime
NexaCover Digital Insurance
🏥
Community Health Cover
Cashless network · Pool-based
Active
🌾
Agriculture Parametric
Weather index · Satellite triggers
Live
🏢
SME Shield
Asset · Liability · Business interruption
Ready
100%
Digital
IRA Uganda Ready CIMA Compliant MTN & Airtel MoMo DHIS2 Integrated Parametric Agriculture USSD / WhatsApp Enrolment Multi-Currency Billing
Platform Architecture

Six Pillars of NexaCover

A fully modular platform — deploy one pillar or all six. Every module is interoperable and built on open standards.

Smart Onboarding

End-to-end digital KYC, biometric identity verification, e-signatures, and instant policy issuance — no paper, no branches.

  • ›Automated identity & fraud checks
  • ›Group enrolment for SACCOs & cooperatives
  • ›USSD / WhatsApp onboarding for low-connectivity areas
  • ›Multilingual interface (English, French, Swahili)

Cover Products

A rich catalogue of insurance products — community health pooling, parametric agriculture, term life, and SME business cover.

  • ›Modular policy engine — monthly, seasonal, annual
  • ›Micro-insurance products from UGX 500/month
  • ›Bundled family & group plans
  • ›Endorsements, add-ons & riders engine

InsurTech Innovations

AI-driven underwriting, parametric triggers from satellite & weather data, mobile-first claims, and blockchain-backed audit trails.

  • ›AI risk scoring & automated underwriting
  • ›Parametric pay-outs — no adjuster required
  • ›WhatsApp/USSD claims submission
  • ›Real-time fraud analytics dashboard

Life Insurance

Term life, endowment, and micro-life plans designed for individuals, families, and informal-sector workers with flexible premium cycles.

  • ›Term, whole-life & endowment plans
  • ›Credit life for SACCO & MFI loan protection
  • ›Funeral cover & survivor benefit riders
  • ›Automated beneficiary pay-outs via mobile money

SME Shield

Comprehensive business insurance for small and medium enterprises — asset protection, liability cover, and business interruption plans.

  • ›Property, stock & equipment cover
  • ›Public & employers' liability
  • ›Business interruption & loss-of-profit cover
  • ›Trade credit insurance for B2B transactions

Partner Distribution

A structured distribution network through MFIs, SACCOs, telecoms, NGOs, and cooperatives — reaching last-mile communities at scale.

  • ›White-label portal for distribution partners
  • ›Commission tracking & agent management
  • ›API integration with MFI & SACCO core systems
  • ›Mobile money premium collection
Cover Products

What NexaCover Insures

Four core cover lines. Fully digital. Designed for markets where traditional insurance has never reached.

Community Health Insurance

Pool-based, community-centred health cover providing cashless access to primary and secondary healthcare for groups, cooperatives, and informal sector workers.

🏥
Cashless Facility Network
Pre-authorised at partnered public & private health facilities
📱
DHIS2 Health Record Integration
Seamless claim validation using national health data
👨‍👩‍👧
Group & Family Enrolment
Covers up to 6 family members under one policy
💊
Outpatient, Inpatient & Pharmacy
OPD, IPD, lab tests, medications & maternity covered
Community Health Insurance

Agriculture Insurance

Parametric crop and livestock insurance using weather indices, satellite imagery, and soil sensors — paying out automatically when thresholds are breached, no adjuster needed.

🛰️
Satellite & ARC Weather Triggers
CHIRPS, ARC2, MODIS NDVI data feeds for automated claims
🌧️
Drought, Flood & Pest Covers
Index-based pay-outs for rainfall deficit, excess moisture
🐄
Livestock & Aquaculture
Mortality cover with biometric tagging & IoT monitoring
💵
Mobile Money Pay-out in 48h
Direct settlement to MTN or Airtel Money account
Agriculture Insurance

Life Insurance

Accessible, affordable life insurance products — from micro-term plans to endowment savings — designed for individuals, families, and informal workers across developing markets.

❤️
Term Life & Whole Life Plans
1-year renewable or permanent cover with flexible premiums
🏦
Credit Life for Loan Protection
Automatic loan clearance on borrower's death or disability
🕯️
Funeral & Last Expense Cover
Same-day pay-out to family on notification of death
📊
Endowment & Savings Plans
Grow wealth while protected — maturity pay-out with bonuses
Life Insurance

SME Insurance

Comprehensive, affordable business insurance for small and medium enterprises — protecting assets, people, and operations so SMEs can grow with confidence.

🏗️
Property & Stock Cover
Fire, theft, burglary, and natural disaster protection
⚖️
Liability Insurance
Public liability, professional indemnity & employer's liability
📉
Business Interruption
Revenue replacement during forced operational downtime
🤝
Trade Credit Insurance
Protect B2B receivables against customer default
SME Insurance
Onboarding Journey

Get Covered in 4 Steps

1

Enrol via App, USSD, or WhatsApp

No smartphone required. Enrol individually or as a group through any channel — app, *XXX# USSD, or WhatsApp chat bot.

2

Digital KYC & Cover Selection

AI-assisted identity check, risk assessment, and instant cover selection from the NexaCover product catalogue.

3

Premium Payment via Mobile Money

Pay monthly, seasonally, or annually via MTN MoMo, Airtel Money, bank transfer, or SACCO payroll deduction.

4

Instant Policy & Claims Processing

Digital policy certificate issued immediately. Submit claims via WhatsApp — pay-out within 48 hours for parametric products.

System Integrations

Built to Connect

📡
NHIS / NHIF
National health insurance link
💛
MTN Mobile Money
Premium & pay-out rail
🔴
Airtel Money
Premium & pay-out rail
📶
GSMA Open API
Telecom integration layer
🏥
DHIS2
Health records & claims validation
☁️
Salesforce CRM
Partner & agent management
⚖️
IRA Regulatory Portal
Real-time compliance reporting
🛰️
ARC / CHIRPS Weather
Parametric trigger data feeds
Partner Tiers

Flexible Distribution Tiers

Whether you're an NGO, a SACCO, a telecoms operator, or an enterprise, NexaCover has a partner tier designed for your distribution model.

Community Partner
Free
to register & pilot
  • Up to 500 enrolled members
  • Community health & life products
  • USSD & WhatsApp enrolment
  • Basic reporting dashboard
  • Email & chat support
  • White-label branding
  • API integration
Get Started Free
Growth Partner
Custom
revenue-share model
  • Unlimited enrolled members
  • All 4 cover product lines
  • White-label partner portal
  • Commission & agent tracking
  • MTN / Airtel MoMo integration
  • Advanced analytics & reports
  • Dedicated account manager
Apply as Growth Partner
Enterprise Partner
Bespoke
white-glove deployment
  • Full platform white-labelling
  • Custom product engineering
  • API-first core banking link
  • Reinsurance treaty support
  • Regulatory compliance module
  • On-site implementation team
  • SLA-backed 99.9% uptime
Request Enterprise Brief

All distribution partnerships are subject to regulatory licensing requirements in the relevant jurisdiction. Contact us to discuss your market.

Partner Network

Become a NexaCover Partner

MFIs, SACCOs, NGOs, telecoms, cooperatives, and financial institutions are welcome. Fill in the form below and our team will respond within 48 hours.

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