affordable-insurance
(2)
Inclusivity Solutions
Inclusivity Solutions is a Cape Town-based inclusive insurtech that designs and delivers embedded, affordable digital insurance for emerging consumers across Africa. Through its open-API platform ASPin, it partners with banks, telcos, insurers and fintechs to build, sell and administer low-cost products - life, accident, hospital cash, device and crop cover - distributed via mobile channels people already use. The company operates in roughly ten African markets and has served over two million customers.
Goodcover
Goodcover is a San Francisco insurtech offering cooperative renters insurance built around a member-first model. Founded in 2017 and launched out of Y Combinator, it operates as a Managing General Agent that pools members' premiums, takes a fixed fee, pays claims, and returns leftover premium to members as an Annual Member Dividend. The pitch: renters insurance for roughly half the price of legacy carriers, with a fully digital sign-up, human support, and a structure that aligns the company's incentives with its members rather than with retaining unclaimed premium as profit.