# FikrFree

> AI\-powered digital insurance and healthcare marketplace for consumers in Pakistan

## At a glance

| Field | Value |
| --- | --- |
| Type | Broker |
| Region | APAC |
| Headquarters | Pakistan |
| Founded | 2024 |

## Overview

FikrFree is a mobile-first digital insurance brokerage and marketplace serving individual consumers in Pakistan, aggregating multiple carriers' health, motor, life, device, home-content, personal-accident, and pet insurance products into a single app-based comparison and purchase platform. The platform targets Pakistan's insurance market, where sector penetration sits below 1% of GDP, by letting consumers compare, buy, and manage policies from several carriers in one place.

Coverage lines available through the marketplace include health insurance (paired with bundled healthcare access such as doctor consultations and medicine delivery), car and bike motor insurance, life insurance, handset and laptop device protection, home-content insurance, personal-accident insurance, and pet and veterinary insurance. Plans are sourced from partner carriers including Bima, EFU, TPL Insurance, United Insurance Company, and Waada, with pricing structured around flexible and pay-as-you-go / micro-insurance options.

An AI-driven recommendation engine surfaces personalized plan options across the partner carriers, and claims are submitted and tracked in-app, with the company stating payouts are typically processed within about 36 hours of approval. FikrFree launched on October 24, 2024 as a product of Jazz, the Pakistan digital operator of VEON Ltd (NASDAQ: VEON), within Jazz's JazzWorld portfolio of consumer digital services. In 2026, the wider VEON/JazzWorld group completed acquisition of a controlling 76.33% stake in TPL Insurance Limited -- one of FikrFree's marketplace carrier partners -- extending the group's position from insurance distribution toward direct carrier ownership.

## Links

- Website: <https://fikrfree.com.pk>
- Directory profile: <https://insurtechlist.com/companies/fikrfree/>
- Press/news: <https://www.veon.com/newsroom/press-releases/veons-jazz-launches-fikrfree-an-ai-powered-digital-marketplace-to-unlock-affordable-insurance-and-healthcare-in-pakistan>
- App download: <https://fikrfree.onelink.me/fLSb/rmznqbv9>

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*Last updated: 2026\-08\-09*