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 Insurance providers around the world are gradually focusing on adding microinsurance as a new line of business. However, providing affordable insurance services to low-income segments remains a challenge for providers given the high costs of marketing, sales, commissions, underwriting, individual administration and the perceived low paying capacity of low-income segments. Gradatim, is a pioneer in providing comprehensive range of services to this emerging industry. We provide on-demand utility services to deliver enhanced and superior service in the most efficient and cost-effective manner. Our multi-channel, multi device and on-demand technology platform enables us to deliver reliable services to insurance providers and its various stakeholders – agents, intermediaries such as microfinance institutions (MFIs) Banks, employees, managers and regulators. Our technology platform enables product intelligence for actuarial support, MIS and reporting improving management and governance substantially. Our solution is proficient, capable and accomplished to handle products for all lines of insurance business – Life, Health, Non-life and Pensions. Our model provides “high value returns for low value transactions” by substantially reducing the cost of sales, underwriting, claims administration, collection, payments, new business acquisition and servicing. Robust Technology Framework Our technology framework combines a power technology platform with external services and robust infrastructure helping MFIs to operationalize their business goals while retaining control over processes and business as a whole. |
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