Programme 6
2020 – 2025Digital Microinsurance Programme
HospiCash, ClimaCash+, Credit Life and more, delivered to 2.3M clients across 28 countries
- Organisation
- VisionFund International
- Role
- Global Director of Digitization, Digital Insurance Lead
- Scope
- 2.3 million clients globally across 28 countries
- 2.3M+Clients Covered
- 28Countries
- 7+Products
- 100% DigitalDelivery
Overview
I led delivery of VisionFund's digital insurance portfolio: HospiCash embedded in FAST loans, ClimaCash+ parametric climate cover with IBISA, credit life, personal accident, health, livestock and crop insurance, delivered digitally across 28 country operations.
The Problem
Multiple products, multiple underwriting partners and 28 country operations, each with its own regulator and operational readiness. Without a single integrated plan the workstreams would have progressed at different speeds and blocked each other.
My Role & Delivery Leadership
Programme lead across all insurance workstreams. Owned the integrated dependency schedule, underwriter and country coordination, regulatory and contractual milestones, risk escalation, product acceptance and the fixed reporting cadence to executive leadership.
Delivery Approach
Programme management across multiple partner workstreams
Portfolio definition across parametric climate cover, hospital cash and credit life
→ Programme brief, product scope
Workstream plans per product and underwriting partner, integrated dependency schedule
→ Integrated plan, dependency map
Underwriter and country operation coordination, contractual and regulatory milestones
→ Partner milestone tracker
Concurrent workstream delivery, risk and issue escalation, fixed reporting cadence
→ Status packs, risk register
Product acceptance and claims process validation per country operation
→ Acceptance records, process sign-off
Scale review across 28 country operations, handover and lessons learned
→ Closure report, lessons log
Key Challenges & Solutions
Concurrent workstreams with shared dependencies
Single integrated plan with cross workstream dependency review, so a delay in one partner was visible and managed before it hit other products.
Multiple underwriters and regulators
Milestone tracker per partner and country, with contractual and regulatory approvals treated as scheduled deliverables.
Claims operations at scale
Claims process validated and accepted per country operation before launch, with defined service levels and escalation.
Outcomes & Impact
2.3 million clients covered: Full portfolio delivered digitally across 28 countries.
HospiCash in 100% of FAST loans: Automatic health coverage for 90,000+ savings group members.
ClimaCash+ recognised as industry leading: Parametric climate insurance recognised at international forums.
Successful pilots in Ghana and Malawi: SCBF funded health microinsurance validated the digital enrolment model.