Insurance Digital Management System
End-to-end insurance lifecycle management with RTSA integration, mobile money payments, AI underwriting, and automated workflows. Built for Zambia.
Platform Modules
14 integrated modules covering the full insurance value chain
Policy Administration
Full lifecycle for Motor, Life, Health, Property. Creation, issuance, endorsements, renewals, cancellations, and document generation.
Underwriting & Premium Computation
Risk assessment workflows, automated rules, risk-based pricing, discount/surcharge management, tax and levy calculations.
Claims Management
Registration, document uploads, assessment, approval workflows, fraud detection, settlement processing, customer status updates.
Payment Gateway & Collections
Airtel/MTN/Zamtel mobile money, USSD *388#, Visa/Mastercard, bank debit, auto-reconciliation, payment analytics.
RTSA & Regulatory Compliance
Real-time vehicle lookup, AML/KYC screening, PIA/ZRA reporting, 7-year audit trail, Data Protection Act compliance.
CRM & Customer 360
Centralized customer profiles, interaction history, complaint management, segmentation, and service ticket tracking.
Agent & Broker Management
DSA onboarding, 5-tier commissions, sales tracking, performance dashboards, territory management, instant issuance.
Omnichannel Communication
SMS, Email, WhatsApp, Facebook, LinkedIn, TikTok. Renewal reminders, payment alerts, claims updates, marketing campaigns.
AI Underwriting & Fraud Detection
91% auto-underwriting confidence, 91.5% fraud detection accuracy, predictive risk scoring, churn prediction.
Retention & Workflow Automation
30-day pre-expiry alerts, auto-renewals, 11-step workflow builder, SMS campaigns, lapse win-back, cross-sell triggers.
Self-Service Portal & Mobile App
White-label web portal (38 endpoints), Flutter mobile app (Android/iOS), zero-touch onboarding, biometric authentication.
Reinsurance, Actuarial & Contact Center
Treaty/facultative reinsurance, actuarial rating engine, bordereaux reporting. VoIP/SIP, IVR, omnichannel support.
Cyber Security Compliance & ICTM
Cyber Security Act 2025 — ZCSA CII registration, 12-hour incident reporting, cyber audit, vulnerability scanning, 8-framework compliance. Powered by Ontech ICTM.
Why Ontech
Built in Zambia, for Zambia
Built for Zambia
RTSA, mobile money, USSD, PIA/ZRA compliance — native integrations, not bolted on
Data Sovereignty
Hosted at Zamtel Infratel Tier III Data Center. DPA 2021 & Cyber Security Act 2025 compliant
AI-Powered
4 ML models for underwriting, fraud detection, risk scoring, and payment default prediction
Go Live in 4 Weeks
Modular SaaS — no capital expenditure. Start with core, add modules as your business grows
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