# Ozoned Digital

> Value chain\-driven insurtech platform for carriers and distributors in emerging markets

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Lahore, Punjab, Pakistan |
| Founded | 2020 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Bootstrapped |

## Overview

Ozoned Digital is a B2B insurtech software provider for insurance carriers, brokers, and distributors in emerging markets. The company builds end-to-end digital insurance platforms designed to support policy administration, agency management, and customer-facing applications, with a focus on financial inclusion in under-served markets across South Asia and East Africa.

The platform delivers solutions across multiple distribution models -- B2B, B2B2C, and D2C -- through SaaS and API-based deployments. Products include agency management systems, broker tools, a multi-insurer aggregator, digital claims management, telematics integrations, embedded insurance capabilities, and health ecosystem modules. The stack supports policy administration from quote-to-bind through claims settlement.

Founded in 2020 by Asher Faisal Khan and Nomaan Bashir, Ozoned Digital has established partnerships with major regional insurers including State Life Insurance, Jubilee Life Insurance, and Adamjee Insurance in Pakistan, and Jubilee Holdings across Kenya, Tanzania, and Uganda. The company was named Best Value Chain InsurTech Innovator (Lahore) at the 2025 BFSI Insider Awards.

## Products & services

### Ozoned Agency Management System

A comprehensive platform for insurance agencies and brokers to manage operations, agents, and policy workflows digitally.

**Key features:**

- Digital agent onboarding and management
- Policy lifecycle management
- Performance tracking and reporting

*Target users:* Insurance agencies and brokers

### Insurance Bazaar Aggregator

A multi-insurer marketplace that allows customers to compare and purchase insurance products from multiple carriers through a single platform.

**Key features:**

- Multi\-carrier product comparison
- Single\-platform purchase flow
- B2B2C and D2C channel support

*Target users:* Carriers, Brokers, End Consumers

### Digital Claims Management

End-to-end digital claims processing covering submission, tracking, and settlement.

**Key features:**

- FNOL digitization
- Claims status tracking
- Automated workflow routing

*Target users:* Carriers, TPAs

### Ozoned Lite

A lightweight, rapid-deployment insurance solution for quick market entry.

**Key features:**

- Streamlined onboarding
- Core policy admin functions
- Low implementation overhead

*Target users:* Carriers entering new markets

### Embedded Insurance

API-based integration layer allowing insurance products to be embedded into third-party platforms.

**Key features:**

- Open API architecture
- D2C and B2B2C distribution support
- Third\-party platform integration

*Target users:* Digital platforms, Carriers, Distributors

### Telematics & Wellness Programs

Connected vehicle telematics and wellness integrations supporting usage-based insurance and health coverage.

**Key features:**

- Vehicle telematics data integration
- Wellness program modules
- Usage\-based pricing support

*Target users:* Carriers offering UBI or health\-linked products

### Ozoned Broker

A broker-specific solution providing workflow and management tools tailored to insurance intermediaries.

**Key features:**

- Broker\-specific workflow management
- Multi\-carrier connectivity
- Intermediary reporting

*Target users:* Insurance brokers

## Category & focus

- Subcategories: Agency Management System, Embedded Insurance, Multi\-Insurer Aggregator, Digital Claims, Telematics
- Insurance verticals: Life & Annuity, P&C Personal, P&C Commercial, Health
- Target customers: Carriers, Brokers, Agents/Agencies, MGAs/MGUs

## Notable customers

- State Life Insurance \(Pakistan\)
- Jubilee Life Insurance \(Pakistan\)
- Adamjee Insurance \(Pakistan\)
- Jubilee Holdings \(Kenya, Tanzania, Uganda\)

## Links

- Website: <https://ozoneddigital.com>
- Directory profile: <https://insurtechlist.com/companies/ozoned-digital/>
- Linkedin: <https://www.linkedin.com/company/ozoneddigital>

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*Last updated: 2026\-06\-15*