# Kopano

> Full\-stack insurance software for emerging markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Johannesburg, South Africa |
| Founded | 2016 |
| Stage | Growth |
| Employees | [Unknown] |
| Funding | Seed |

## Overview

Kopano is a full-stack insurance software platform built for carriers and brokers operating in emerging markets, with a primary focus on Africa. The company provides end-to-end digital infrastructure spanning product development, policy administration, pricing, claims processing, billing, and distribution management.

The platform is designed for mobile-first deployment and incorporates machine learning to enable personalization and behavioral underwriting insights. Its architecture targets low-cost, scalable service delivery suited to emerging market conditions where digital adoption is growing alongside widespread mobile device usage.

Kopano raised USD 1.7M across two rounds -- a seed round in 2016 and an early-stage investment from reinsurer Hannover Re in September 2017. The Hannover Re backing reflects validation from a major reinsurance incumbent seeking exposure to African insurance digitization.

## Products & services

### Full\-Stack Insurance Platform

A comprehensive software suite covering the core operational functions of an insurance company, tailored for the requirements of emerging markets.

**Key features:**

- Product development and configuration tools
- Policy administration and lifecycle management
- Pricing engines with actuarial support
- Claims processing and management
- Billing, collections, and payment management
- Distribution channel management

*Target users:* Insurance carriers and brokers in emerging markets, primarily Africa

### ML and Analytics Layer

Machine learning capabilities embedded in the core platform for user personalization and risk insight generation.

**Key features:**

- Behavioral data analysis for underwriting insight
- User personalization based on policyholder data
- Reporting and analytics dashboards

*Target users:* Actuarial and underwriting teams at carriers

## Category & focus

- Subcategories: Policy administration, claims management, pricing engines, billing and collections, distribution channel management
- Insurance verticals: P&C Personal, P&C Commercial, Life & Annuity
- Target customers: Carriers, Brokers

## Notable customers

- Not publicly disclosed

## Links

- Website: <https://kopano.ai>
- Directory profile: <https://insurtechlist.com/companies/kopano/>
- Linkedin: <https://za.linkedin.com/company/kopano>

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*Last updated: 2026\-06\-14*