Direct answers to common questions about insurance ERP software, claims, compliance, Mobile Money and Ontech LifeI ERP in Zambia.
An insurance ERP is an integrated software platform that manages an insurer's core operations, including policies, underwriting, claims, premium collection, accounting and regulatory reporting, together with back-office functions such as HR and procurement, in one system with one shared database.
It records every client, policy, premium, claim and financial transaction once and makes that data available to sales, operations, finance and compliance. Typical functions are policy administration, quotations, underwriting, claims processing, billing and collections, commissions, general ledger, reporting and workflow approvals.
Policy administration software manages the policy lifecycle: issuing, endorsing, renewing and terminating policies. An insurance ERP includes policy administration but also covers claims, finance, CRM, HR, procurement and compliance, so the whole company runs on one platform instead of a policy system plus separate finance and HR tools.
Yes. Claims management is a core module of an insurance ERP. Ontech LifeI ERP registers claims, captures supporting documents, routes them through review and approval, and records settlement, with each claim linked to its policy and to the general ledger.
It can if it was designed for markets where Mobile Money is the main payment channel. Ontech LifeI ERP collects premiums through MTN Mobile Money, Airtel Money and Zamtel Kwacha and reconciles each payment against the policy automatically.
Yes. Ontech LifeI ERP was developed by Ontech Solutions in Lusaka specifically for long-term (life) insurers licensed in Zambia, with Zambian payment channels, USSD self-service and reporting aligned to the Pensions and Insurance Authority's requirements.
Read more: What is an insurance ERP? · Life insurance software · Insurance ERP in Zambia
Claims management software records a claim from first notification to settlement. It links the claim to the policy, stores supporting documents, routes the claim through assessment and approval, tracks reserves and payments, and keeps a full history of every decision so the insurer can report on and audit its claims.
Rules in the system check each new claim against the policy: whether cover was in force, whether premiums were paid, and which documents are required. Straightforward claims are routed directly to approval, while claims that trip a rule are referred to an assessor. Notifications to the claimant are sent automatically at each stage.
Yes. With Ontech LifeI ERP a policyholder or beneficiary can start a claim from the client portal, the mobile app or the USSD menu, and receive SMS or WhatsApp updates as the claim progresses. Agents can also register claims on a customer's behalf.
Yes. Death certificates, medical reports, identity documents and other evidence can be uploaded from the portal or photographed and submitted from the mobile app, and are stored against the claim for assessors to review.
By checking policy status and premium history automatically, requesting the right documents up front, routing approvals to the right people, and sending status messages without staff intervention. Assessors spend their time on judgement rather than on chasing paperwork and re-keying data.
Read more: Claims management software · How insurance claims work in Zambia · Solutions for operations
PIA compliance is meeting the obligations that the Pensions and Insurance Authority places on licensed insurers in Zambia under the Insurance Act No. 38 of 2021, including licensing, separation of long-term and general business, periodic returns and financial statements, capital and solvency requirements, policyholder protection and complaints handling.
In general terms, PIA requires insurers to hold a licence for their class of business, maintain the capital and solvency levels the Authority sets, submit periodic returns and audited financial statements, keep proper records, treat policyholders fairly and handle complaints. The specific returns and timetables are set by the Authority and should be confirmed with it directly.
By keeping policy, premium, claims and ledger data in one system with an audit trail, software can generate returns from live records, keep fund and solvency positions current, and provide supporting detail for any figure the regulator queries, instead of relying on spreadsheets built each reporting period.
Yes. Ontech LifeI ERP generates regulatory returns and statutory fund and solvency figures from operational data, tracks Insurance Act obligations in a compliance module with owners and due dates, logs every transaction, and enforces maker-checker approvals on payouts.
Yes. Ontech LifeI ERP includes an IFRS 17 reporting module alongside its general ledger and actuarial modules, so contract groups, reserves and financial statement disclosures draw on the same policy data as the regulatory returns.
Read more: PIA compliance · Insurance compliance software · IFRS 17 for life insurers
Ontech LifeI ERP collects premiums through MTN Mobile Money, Airtel Money and Zamtel Kwacha. A payment request is sent to the policyholder's phone, they confirm it with their wallet PIN, and the payment is recorded against the policy as soon as the operator confirms it.
Yes. Ontech LifeI ERP includes a USSD service, so a policyholder can dial a short code on any handset to check cover, see the next premium due, pay through Mobile Money or start a claim, with no smartphone, app or data bundle required.
Premium reminders, payment receipts, policy issue and renewal notices, claim status updates and maturity notices can be sent by SMS, WhatsApp or email. Templates are managed in the platform and each message is logged against the policy.
Each operator confirmation carries a transaction reference that Ontech LifeI ERP matches to the policy, premium period and ledger account automatically. Finance sees the receipt in the general ledger and the bank reconciliation queue without manual receipting.
They can view their policies and cover, pay premiums through Mobile Money, submit claims with photographed documents, download a digital policy card, update contact and beneficiary details and raise support requests. The Android app is available from the download page.
Read more: Mobile Money for insurance · USSD insurance services · Solutions for customer experience · Download the apps
Ontech LifeI ERP is developed and supported by Ontech Solutions, a Zambian technology company. The platform is built and maintained by Ontech's own team, which also provides implementation, data migration and training.
Ontech Solutions is based in Lusaka, Zambia. Support and implementation are delivered locally, and the company can be reached at info@ontech.co.zm or +260 972 718 518.
It is designed for long-term (life) insurance companies operating in Zambia, whether established insurers replacing spreadsheets or legacy policy systems or new entrants that need a complete operating platform covering insurance operations, finance, HR and compliance.
Ontech LifeI ERP can be provided as a managed, hosted service run by Ontech Solutions, or deployed as a standalone installation on the insurer's own infrastructure in Zambia. Standalone deployment is quoted individually; request a quote through the contact page.
Use the contact page to request a demo. Ontech Solutions will arrange a walkthrough of policy administration, claims, Mobile Money collection, USSD and regulatory reporting based on the products your company sells.
Read more: Book a demo · Request a standalone deployment quote · Life insurance software
Book a demo with Ontech Solutions in Lusaka and see policy administration, claims, Mobile Money collection and PIA reporting working together in one platform.