Sell a policy anywhere a customer already is.
A customer buys cover in the moment they book a trip or place an order, priced and issued in milliseconds, and every premium is matched against the insurer's record in real time. Live through Green SM across Vietnam, Indonesia, and the Philippines.
within SLA
>99% target
Cover issued at the moment of the trip, reconciled the moment the premium lands. Illustrative interface; the figures are constructed and are not drawn from a live account.
Underwritten and distributed by
PVI and Oona as panel underwriters; Green SM as the live distribution channel.
Insurance is sold where customers are not.
Micro-insurance has to reach a customer in the ten seconds they are booking a ride or paying for a delivery. The old distribution stack was never built for that moment.
Sold in the wrong place
Cover is offered through branches, agents, and forms, not inside the app where the risk actually starts.
One insurer per integration
A channel integrates to one insurer and is stuck with that insurer's appetite, capacity, and pricing.
Reconciliation by hand
Premiums, commissions, and insurer statements are matched against each other in spreadsheets after the fact.
Four non-negotiables at once.
- Cover offered inside the moment of purchase, not on a form filled in afterwards.
- Pricing and issuance fast enough to finish before the customer's attention moves on.
- More than one underwriter on the book, allocated by rule rather than by negotiation.
- Premiums matched to sales as they land, so a period closes without a manual pass.
One policy at a time, three guarantees around it.
The walkthrough below follows a single policy from the customer's tap to a reconciled premium. These three are true for every policy, every channel, and every market on the engine. Each is a live surface in the product, not a slide.
Micro-insurance products
01Trip, food delivery, and express-delivery cover, each configured for the moment of the transaction it attaches to.
Multi-market by configuration
02The next country is a configuration, not a new integration project: Vietnam, Indonesia, the Philippines on one engine.
One integration, any channel
03A channel connects once through the same integration fabric that runs the live markets, so a new app, a new cover type, or a new underwriter attaches to integrations that already exist rather than a fresh build.
Watch a policy sell, trigger to reconciliation.
Every policy priced, issued, and reconciled on one AI-native platform, embedded where customers already are.
Cover is offered in-app the moment a customer books a trip or places an order.
Priced and bound in milliseconds by the multi-insurer routing engine.
Policy issued and the certificate delivered to the customer instantly.
Allocated to the right insurer by quota caps and allocation rules.
Premiums matched and the period closed automatically, audit-clean.
The numbers a distribution channel is judged on.
Three markets, one engine: selling cover inside Green SM.
Vietnam, Indonesia, and the Philippines, on a single distribution engine.
The challenge
Green SM runs ride-hailing and delivery across three markets, each with its own underwriter, its own regulations, and its own reconciliation. Cover had to reach a rider or a driver in the seconds of a booking, then settle cleanly with the insurer behind it. A single-insurer integration could not route by market or quota, and reconciliation done by hand meant discrepancies surfaced late and trust with the underwriter thinned.
What we run
MicroFlow runs the distribution end to end across Green SM's trip, food-delivery, and express-delivery flows, underwritten by PVI in Vietnam and by Oona across Indonesia and the Philippines.
The outcome
Three markets run on one engine, and standing up a fourth is a configuration change rather than a fresh build. Cover reaches the customer at the moment the risk starts, and the underwriter gets reconciliation as contractual proof rather than an end-of-month spreadsheet. Connect once, and the channel reaches any insurer on the network in any market it operates.
How the engagement works
Paid on the policy, reconciled on the same run.
Rates and terms are set per channel and per underwriter in the commercial conversation, not published here. The distribution partner track covers what a channel earns.
Put cover where customers already are.
Tell us where your customers already are, and we will show you the policy that belongs in that moment.
Your part in distribution: Distribution channels · Insurers