Our products
We create & provide
top-notch insurance
to protect farmers.
Tailored per crop
Because each crop is different, we work with local agronomists to understand the needs of the considered crop at each stage of its development cycle.
Universal accessibility
Our products are available to anyone with a phone. No bank account, smartphone or even data connectivity is needed. OKO’s insurance contract is simple and transparent to be understood by all.
Fast and effective
OKO’s insurance products automatically compensate farmers as soon as weather data becomes available, circumventing the need for an on-site inspection. A faster indemnity payout means a faster recovery for farmers.
Precision risk definition
OKO uses up to 30 years of historical weather data to understand the weather risks for each location with utmost precision. Various indexes are compared to find the most accurate source of information.
Our End-to-End Solution
OKO is the only player offering a full end-to-end solution from product design to last-mile distribution.
Insurance Product Design
Proprietary Actuarial Software
Remote Satellite Weather Monitoring
Distribution Tools
Distribution Tools
Fully Customized CRM Tools
Mobile Payment Solutions
Precision
Risk Definition
Risk Definition
Fast and
Effective
Effective
Universal
Accessibility
Accessibility
Tailored
per crop
per crop
Our End-to-End Solution
OKO is the only player offering a full end-to-end solution from product design to last-mile distribution.
Insurance product design
In recent years, we’ve developed, launched, and refined several crop-specific insurance products tailored to various countries.
Let’s start a partnership
If you’re interested in subscribing to any of the products listed below, please reach out to us.
Contact usOur offered insurance
Our offered insurance
Create your own product
If your geography or crop of interest is not listed, then please contact us via this form to start designing the product that you need.
design my own coverDistribution tools
We’ve developed a comprehensive suite of tools specifically designed to streamline distribution processes, even under the most challenging conditions.
CRM SOLUTION
This includes a web-app to manage policies in real time and communicate with customers (SMS, Whatsapp, voice messages), a mobile app that can be used offline when agents are on the field, a call centre tool to answer customer queries efficiently and APIs to integrate into your existing solutions
Mobile payment
We seamlessly integrate mobile payment options with leading mobile operators such as Orange, MTN, and Airtel, as well as mobile wallet operators like Wave. This integration enables us to collect premiums and process claims efficiently, even among unbanked farmers, ensuring accessibility and convenience for all.
Our strategic partners
The insurance products we create are approved and re-insured by Allianz Reinsurance
Our insurance products are underwritten by Sanlam-Allianz through a multi-year partnership.
We sell products designed by eLeaf in Uganda, and collaborate on product designs in Mali.
OKO is part of the Orange Money menu in Mali, we also received the Orange Social Venture Prize 2018
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