hiPRO
Bank-financed insurance subscription platform connecting insurers, banks, and payment processors.
Overview
hiPRO is an embedded insurance distribution platform for insurers and financial institutions operating in the Polish market. The platform enables bank-financed insurance subscriptions, allowing consumers to purchase insurance products -- primarily auto -- via monthly installments financed through partner banks rather than through insurer-provided installment plans.
The core product, hiPRO Connector, provides real-time API integration between insurance carriers, banks, and payment processors. Financing decisions are processed in approximately 5 seconds with digital contract acceptance via SMS. Customers can spread payments across up to 12 monthly installments, compared to the 4-installment maximum typically offered by insurers directly. The platform operates entirely online without physical terminal requirements.
hiPRO works with several major Polish and multinational insurance carriers including Allianz, UNIQA, Benefia (Vienna Insurance Group), TUZ Ubezpieczenia, and Concordia, along with financial institution partners PKO Bank Polski and mBank. The company also connects through aggregators and intermediaries such as Unilink, Rankomat, and Trasti.
Products & Services
hiPRO Connector
A B2B integration platform that enables bank-financed insurance subscription solutions between insurance carriers, banks, and payment processors.
Key Features
- Real-time financing decisions in approximately 5 seconds
- Monthly installment plans financed through partner banks (up to 12 months)
- SMS-based digital contract acceptance
- Automated integration with insurer portals and bank systems
- Online-only operation without physical terminal requirements
- Real-time credit assessment and approval
Target Users: Insurance carriers seeking bank-financed distribution channels; banks offering bundled insurance with lending products
Payment & Sales Management
Supporting services for sales incentive management, bonus tracking, and commission management for insurance distribution networks.
Key Features
- Sales commission tracking
- Incentive and bonus management
- Payment processing integration
Target Users: Insurance intermediaries and distribution partners
At a Glance
- Founded
- 2016
- Headquarters
- Warsaw, Poland
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance Payment Financing B2B Integration
- Insurance Verticals
- P&C Personal
- Target Customers
- Carriers, Brokers
Customers
- Allianz
- UNIQA
- Benefia (Vienna Insurance Group)
- TUZ Ubezpieczenia
- Concordia
- PKO Bank Polski
- mBank
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Last updated: 2026-05-17