Innovation intelligence brief
Innovation intelligence brief
A leading provider of mobile-delivered insurance and health services in emerging markets
What became of it
Completed · Medium confidence · Last verified 2026-10-17
As catalogued
Mobile-delivered micro-insurance and health services for low-income customers in emerging markets, distributed with mobile network operators and paid via airtime or mobile money.
2026 reality
bimamobile.com redirects to bimamilvik.com. BIMA, also branded Milvik (Singapore HQ, tech hub in Bangalore), reports 6 countries on two continents, 7m customers, 20m beneficiaries and about 2,000 employees, selling health, life and accident insurance, telemedicine and general insurance through agents, apps, WhatsApp and telco integrations; its flagship B-Care health subscription bundles telemedicine, diagnostics and insurance.
The mobile micro-insurance model remains, with greater emphasis on bundled health subscriptions (telemedicine, diagnostics) and multi-channel distribution beyond telcos; operates under the Bima Milvik name.
bundling insurance with tangible health services addresses low perceived value and high lapse rates of pure micro-insurance.
remains one of the largest mobile micro-insurance and health-access players in emerging markets.
Third taxonomy
REVIEW · Verified the bimamobile.com redirect and the live Bima Milvik site (6 countries, 7m customers, 20m beneficiaries, B-Care, AAIC investment); removed the unverified country list and added the employee count.
Documented evidence
Startseite
Products
How it works
Model
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.