Welcome to Democrance

Democrance is an insurance technology company working to make insurance accessible and affordable to consumers via mobile and digital channels, giving insurance companies a way to reach large, previously untapped populations, while at the same time bringing the benefits  of insurance protection to those who need it most but can afford it least.

Our platform automates the entire value chain of insurance sales from marketing to claims processing, resulting in substantial cost savings for insurers and allowing them to reach new market segments, offer new products and digitize their back-office processes at no upfront investment.

The digital platform brings together key industries, including insurance as well as organizations which have large and previously untapped customer bases, allowing low-income, uninsured or under-insured populations to buy, pay for, use and claim for insurance simply using their mobile phone.

We work alongside leading global insurance, telecommunications providers and remittance houses to support their product design and innovation, in a bid to unlock new markets for businesses, while at the same time making insurance accessible and affordable.


Our Platform

We provide a plug & play and fast-to-market platform which digitizes and automates the entire insurance value chain.

The platform digitizes and automates both the customer experience and the back-office processes, thus eliminating lengthy setup processes and high upfront investments in new technology while significantly reducing operating costs.

Our technology solution opens the door to new business opportunities by integrating a variety of digital and mobile channels through which customers can buy and get their products serviced (Web, in-App, SMS, USSD, Partners Portal…) with a fully digitized back-end to configure products, manage marketing activities, automatically issue and administer policies, enable e-payments or handle claims in a simple way and without requiring complex integrations with legacy systems.

Democrance’s platform is constantly evolving to support products varying in type (life and non-life), underwriting complexity and from both personal and commercial lines. Such product flexibility, coupled with the platform’s digital and mobile capabilities, allows insurers to target customers from the high value end, all the way to untapped population segments using one single tool.


Democrance is a unique partner in our eyes: it is very hard to find partners who bring expertise, but also speak the same language as the insurance industry. Financial services have entered a new era, where client-centricity is finally recognized as the most important differentiator and technology can offer this flexibility customers are looking for. Democrance’s solution allows us to work with different partners and on different platforms, centralizing many of our actions, adding efficiency to our processes and improving the overall insurance value chain. 

Mohamed Seghir, CEO, AXA Green Crescent, UAE

Working with Democrance, it has been clear that they possess strong industry knowledge, are technically adept, and are very responsive. For us at Daman, we have co-created tailored business solutions when working with them. Throughout the process of working with Democrance, I have particularly enjoyed our brainstorming sessions, in which Democrance has suggested interesting ways for us to deploy different products and solutions on our platform. I would definitely recommend Democrance to my peers in the industry.

Valerie Hawley, Head of Innovation Lab, DAMAN, UAE

Camlife’s is focusing on mobile insurance and digital platforms to serve the wider market and previously unserved segments. We need an insurance technology provider that has a proven track record in cooperating with telecommunication companies and shares the same vision of how to introduce life insurance to emerging markets such as Cambodia – and Democrance can deliver both.

Seang Kimvisal, Head of Operations and Business Development, Camlife, Cambodia

Swiss Re’s mission is to close the insurance protection gap. One factor holding back the industry is legacy technology and customer journeys. In our partnership with Democrance, we re-think the insurance value chain to enable new business models and growth areas for our insurance clients. Together, we reach the un- and underinsured through alternative distribution channels. Ultimately, we will contribute to the financial inclusion agenda in the Middle East and beyond.

Mario Wilhelm, Head of Middle East & Africa Public Sector, SwissRe, Switzerland