Digital Health Insurance for Atlantique Assurances
The first fully digital health insurance platform is growing rapidly across Francophone Africa, powered by Software Group
1,1 million claims & 45,000 beneficiaries over a 2-year period
Digital insurance is closely following the massive growth of digital banking and this is applicable in both developed and developing countries. But one visionary bank and their technology subsidiary have decided to take health insurance to the next level and spread it across Francophone Africa.
Digital innovation in the insurance sector
Meet AssurTous by Atlantic Group - the first fully digital health insurance platform in Cameroon, offering affordable
healthcare coverage to corporate and individual clients.
Founded in 2006, Atlantic Financial Group (AFG) is the third largest banking group in West Africa operating in 18 countries and the financial holding company (bank and insurance) of Atlantic Group.
While offering banking and insurance services on those markets, Atlantic Group identified the need for a digital insurance solution that provides the essentials of health coverage at best price and facilitates the full patient medical journey, placing the patient at the center.
A digital health insurance ecosystem which adds value to all players
Through its insurance subsidiary Atlantique Assurances Cameroon IARDT, the technology subsidiary DBS and with the help of Software Group, a global provider of digital financial technology, AFG created AssurTous - the first digital insurance platform in Cameroon. It connects patients, doctors, pharmacies and laboratories in a seamless omni-channel experience, providing biometric identification, multiform payment, real time monitoring of medical care activities and systematic monitoring of the customer journey.
The platform was officially introduced in April 2019 as two products: AssurTous Santé and AssurTous Accident.
Built on Software Group’s digital banking and insurance platform DigiWave, combined with agency banking and mobile wallet features, AssurTous provides innovation and a seamless journey to all parties involved.
Clients can self-onboard, sign their policy and manage their subscription services through a customer app, while agents can monitor their enrollment through an agent app.
Clinics, hospitals, laboratories and pharmacies can enjoy a modernization of the health system processes through customer biometric authentication, validation of insurance policies, creation of online forms with details of treatment
and doctors who prescribed them, automatic invoice generation and much more.
AssurTous Sante is a 100% digital infrastructure hosted on Azure cloud.
The impact
The success of AssurTous Santé health insurance solution from Atlantique Assurances is to large extent due to the fantastic work of the young and dynamic team of the Digital Development Department under the leadership of its Director, Edmond Junior Jemba.
Heading the digital development at Atlantique Assurances since May 2019, Edmond and his team designed the entire digital strategy, organization and roadmap of transformation to reduce the poverty of
low-income households by providing them with affordable insurance products.
Two years since the launch of this digital operation, the results are mind-blowing: 3 million dollars in revenue, 1.1 million claims, 45,000 beneficiaries, 600 acceptors. This data enabled the Atlantic insurance company to win the title "Award N°1 in Health Leadership in Cameroon by the Ministry of Public Health in 2021, as cited in Echos Sante media.
The same year, they were also honored by Orange Cameroon with the Prize "Best Digital Transformation in 2021".
What’s in the plans for AssurTous? Beyond the success in Cameroon, the solution is now being introduced to Mali and Comoros, soon to be implemented in more countries across Africa.
Built on Software Group’s digital banking and insurance platform DigiWave, combined with agency banking and mobile wallet features, AssurTous provides innovation and a seamless journey to all parties involved.