# BimaPap

> Digital self\-service insurance platform for instant policy purchase and claims in Tanzania

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Dar es Salaam, Tanzania |
| Founded | 2018 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

BimaPap is a digital insurance distribution platform for consumers in Tanzania, enabling self-service purchase of motor and travel insurance through web, WhatsApp, and USSD channels. The company operates 24/7, allowing policyholders to buy coverage, notify claims, and resolve queries without agent involvement. BimaPap operates in the P&C segment within East Africa's emerging insurtech market.

The platform delivers insurance through channels suited to the Tanzanian market: a WhatsApp Business API integration and a USSD code (*150*51#), the latter accessible on feature phones without internet connectivity. Payment processing integrates with mobile money services including M-Pesa across Vodacom, Tigo, Airtel, and TTCL networks. BimaPap distributes products underwritten by Milembe Insurance Company Limited, a TIRA-regulated general insurer with global reinsurance backing.

The company has built a user base of 34,000+ registered accounts and 2,000+ active customers since launching. It operates as a bootstrapped startup with no disclosed external funding.

## Products & services

### Motor Insurance \(Third\-Party and Comprehensive\)

Motor vehicle coverage available in two tiers: basic third-party liability (branded "Bima Ndogo") and comprehensive policies covering vehicle damage, theft, and third-party liability. Customers purchase and manage policies through WhatsApp or USSD without visiting an office.

**Key features:**

- Instant online quotes and policy issuance
- WhatsApp\-based purchase and policy management
- USSD access via \*150\*51\# for feature\-phone users
- M\-Pesa payment integration

*Target users:* Individual vehicle owners in Tanzania

### Drivers Cover

A motor vehicle accident financial protection product providing compensation and claims support for insured drivers.

**Key features:**

- Financial compensation for accident\-related losses
- Digital claims notification
- 24/7 self\-service access

*Target users:* Drivers in Tanzania

### Travel Insurance

International travel coverage for Tanzanian travelers, including luggage protection and emergency medical coverage abroad.

**Key features:**

- Instant online quotes and policy issuance
- Luggage protection
- Emergency medical coverage abroad

*Target users:* Tanzanian international travelers

## Category & focus

- Subcategories: Digital storefront, embedded insurance, mobile distribution
- Insurance verticals: P&C Personal
- Target customers: Consumers

## Notable customers

- Milembe Insurance Company Limited \-\- regulated carrier providing underwriting, claims processing, and reinsurance

## Links

- Website: <https://www.bimapap.co.tz>
- Directory profile: <https://insurtechlist.com/companies/bimapap/>
- News & events: <https://www.bimapap.co.tz/news-events-2/>

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*Last updated: 2026\-07\-02*