Cover gets sold. Gem advises.

Partner apps bring the users. Licensed insurers carry the risk.

A big gap, mostly unserved.

Six in ten have a bank or mobile money account. Fewer than two in ten have any health cover. Source: AfricInvest, African Insurtech Landscape 2026, p.4.

We earn when people stay covered.

Licensed insurers carry the risk. We earn a commission on the cover we arrange and look after.

Where we are, honestly.