Ozoned Digital logo

Ozoned Digital

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

Distribution & Sales Growth Bootstrapped
Visit Website

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

At a Glance

Founded
2020
Headquarters
Lahore, Punjab, Pakistan
Employees
11-50
Funding
Bootstrapped

Category & Focus

Category
Distribution & Sales
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

Customers

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

Links

Similar Companies

Last updated: 2026-06-15