Each capability is a standalone engagement — intelligent technology that plugs into your existing systems, moves a measurable insurance outcome, and bills on the delta. Together they form CoverOS: intelligence that runs the whole operation.
A conversational front door for insurance. Customers get quotes, onboard, pay premiums, file claims and check policy status entirely inside WhatsApp — no app download, no portal login.
A single API for know-your-customer checks — KRA PIN verification, national ID validation and sanctions screening — callable from any channel or your own onboarding flow.
One unified customer view — identity, policies, quotes, claims, payments, communications and risk profile — for direct sales teams, agents and brokers.
Define covers, eligibility, pricing and premium rules per product version. Quotes are generated by rules, not hard-coded — launch or reprice a product without a release.
Full policy lifecycle: issuance bound to a product version, endorsements, premium schedules and documents. Historical behaviour is never silently modified.
STK-push premium collection, installment schedules, receipts, refunds, claim payouts and reconciliation — with failed-payment recovery built in.
Registration → validation → coverage check → evidence → assessment → decision → payout. The intelligence layer flags missing documents, fraud indicators and anomalies at every step.
Detects expiring policies, re-scores risk, generates renewal quotes and chases payment over the customer's preferred channel. Flags likely lapses and upsell opportunities.
Configurable templates per product, event, language and channel — quote follow-ups, payment reminders, claim updates and renewal notices sent automatically.
The Insurance Operations Agent observes every event, understands each case and recommends the next best action — with configurable autonomy levels (off / assist / recommend / auto) and full audit.
Underwriting cases evaluate risk against product rules with explainable accept / refer / decline outcomes. Humans hold authority; the system holds the evidence.
Every channel sells the same product engine. Track agents, brokers and partners with configurable commission rules per product and channel.