Affordable Protection
Embedded micro-insurance from R5/month. Device protection, transport cover, health insurance, and crop insurance — all built into your KAD wallet.
How It Works
Choose Cover
Select from device, transport, health, or crop insurance. See your premium instantly.
Activate
Activate with one tap. Premium is deducted from your KAD wallet monthly.
Claim
Submit a claim in-app with photos and description. AI pre-assessment gives instant feedback.
Payout
Approved claims are paid directly to your KAD wallet within 24 hours.
Key Features
Device Insurance
Protect your smartphone against theft, damage, and screen cracks. Cover from R15/month.
Transport Cover
Accident and injury cover for ride-hailing drivers and passengers on Buslyft.
Health Insurance
Basic health cover including GP visits, prescriptions, and emergency care. From R45/month.
Crop Insurance
Weather-indexed crop insurance for FarmX farmers. Automatic payouts when conditions are met.
Instant Claims
Submit claims in-app with photo evidence. AI pre-assessment and fast-track approval process.
Licensed Underwriters
All policies are underwritten by Prudential Authority-regulated insurers. Your cover is guaranteed.
API Endpoints
/insurance/policiesPurchase an insurance policy
/insurance/policiesList your active policies
/insurance/policies/:id/claimsSubmit an insurance claim
/insurance/policies/:id/claimsGet claims for a policy