SCALING INCLUSIVE
HEALTHCARE & INSURANCE
BIMA operates at the intersection of technology, healthcare, and insurance with a model built for scale and impact. Our diversified business model unlocks multiple revenue streams while ensuring affordability and access.
Direct-to-Consumer (DTC)
BIMA’s DTC channel combines offline and online distribution to drive scale and trust. Field agents and call center teams are at the heart of customer education—helping first-time users understand the value of insurance and digital healthcare. In parallel, mobile apps, WhatsApp bots, and social media offer convenient self-service options. This omni-channel approach is essential in emerging markets, where digital literacy and payment readiness vary widely.
A critical enabler of our DTC success is our deep integration with leading mobile money platforms, telcos, and billing systems. This allows for seamless, recurring premium collection through mobile wallets, airtime deductions, add-to-bill services, and bank transfers—making it easier for customers to stay covered without interruption.
Embedded Insurance
BIMA partners with leading telcos, ride-hailing platforms, and digital payment providers to embed health and life insurance into services people already use. Whether bundled with mobile data, airtime, or driver accounts, embedded insurance enables low-friction, high-volume distribution—allowing customers to access coverage with no additional effort.
B2B Sales
We also provide customized healthcare and insurance packages to employers, banks, and institutions. Leveraging our B-Care ecosystem, we help corporates reduce their employees’ out-of-pocket healthcare expenses while improving health outcomes.
BIMA also works with insurers directly—helping reduce OPD and IPD loss ratios by leveraging telemedicine services and the B-Care ecosystem.
SaaS (Software-as-a-Service)
BIMA licenses its in-house technology solutions—including AI-enabled customer service tools, claims management systems, and digital onboarding platforms—to insurers and healthcare providers.
This is a growing revenue stream for BIMA—creating value for partners while maximizing ROI on our own tech investments.
Underwriting & Risk Partnerships
Adapting to regulatory environments while retaining control over pricing and performance
BIMA’s flexibility in regulatory and licensing structures allows us to operate as a licensed underwriter, broker, or corporate agent depending on the local market. In many countries, we partner with local insurers to bring our products to market, while capturing underwriting profits through performance-linked agreements.
We also work with international reinsurance partners to build scalable risk-sharing models and facilitate cross-border capital flows. This hybrid approach ensures we can adapt quickly to regulatory environments while maintaining control over product design, pricing, and portfolio performance.
