Our products

We create & provide 
top-notch insurance 
to protect farmers.

Tailored per crop
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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
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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
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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
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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.
Precision
Risk Definition
Fast and
Effective
Universal
Accessibility
Tailored
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.
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If you’re interested in subscribing to any of the products listed below, please reach out to us.
Contact us

Our offered insurance

Maize

Cocoa | Cotton

Maize | Cotton | Sorghum | Peanut | Millet | Sesame

Soy | Tobacco

Maize | Cotton

Maize | Sesame | Soy | Rice

Maize | Soy | Coffee | Potato | Generic

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 cover

Proprietary Actuarial 
Software

We specialize in crafting tailored products to meet your precise requirements, whether it’s for a specific location, crop, or risk coverage. With our expert actuarial team and dedicated software, we can design custom-made products efficiently, delivering results in record time.

Remote Satellite
Weather Monitoring

We partner with leading weather data suppliers renowned for their accuracy and reliability. Leveraging cutting-edge technology, we continuously monitor weather patterns in real-time, allowing us to swiftly identify adverse conditions and automatically validate claims.

Distribution 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.
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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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Microfinance institutions

Integrate our crop insurance solutions into your offerings, to de-risk agricultural loans, expand your reach to underserved communities, and drive financial inclusion on a larger scale.
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Government and NGOS

Integrate our crop insurance solutions into your offerings, to de-risk agricultural loans, expand your reach to underserved communities, and drive financial inclusion on a larger scale.
Read case study

Mobile wallet operators

Integrate our crop insurance solutions into your offerings, to de-risk agricultural loans, expand your reach to underserved communities, and drive financial inclusion on a larger scale.
Learn more

Agricultural Players

Integrate our crop insurance solutions into your offerings, to de-risk agricultural loans, expand your reach to underserved communities, and drive financial inclusion on a larger scale.
Read case study
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Mali | Uganda | Côte d’Ivoire
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