Bangladeshi insurtech Chhaya develops affordable digital health and life insurance distributed via mobile payments (bKash) with a subscription model.

MicroEnsure bundled insurance with mobile loans and airtime in 15 countries. By 2016, this model had scaled to reach over 40 million clients and included 200+ insurance products. It illustrates a high-impact approach to mobile-enabled microinsurance delivery with large-scale outreach.