BimaPap
Digital self-service insurance platform for instant policy purchase and claims in Tanzania
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 (15051#), 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 15051# 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
At a Glance
- Founded
- 2018
- Headquarters
- Dar es Salaam, Tanzania
- Employees
- 1-10
- Funding
- Bootstrapped
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Digital storefront embedded insurance mobile distribution
- Insurance Verticals
- P&C Personal
- Target Customers
- Consumers
Customers
- Milembe Insurance Company Limited -- regulated carrier providing underwriting, claims processing, and reinsurance
Links
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Last updated: 2026-07-02