Triggers are calibrated from historical climate, crop and exposure data so each index reflects the hazard that actually drives loss for that region and crop.

Ogembo is designed for mobile-money and banking rails, with deployment-specific rails agreed during country or programme setup.

Through a simple mobile app, a web dashboard, and SMS or voice alerts - in 20+ local languages, so it works regardless of literacy or smartphone access.

Programmes can subsidise 80-90% of premiums so farmers receive meaningful cover while the platform keeps delivery and administration costs low.

MRV tracks hazard inputs, exposure, trigger events, payouts and delivery evidence so donors, insurers and regulators can audit the full climate-to-cash chain.

Yes. Deployments can connect to existing partner systems for enrolment, policy administration, payment rails, reporting and programme oversight, depending on the country setup and partner requirements.

A useful scoping pack includes target regions, crop types, farmer segments, historical loss or climate records, available payment channels, partner roles and the intended source of premium support.

Initial markets are South Africa, Zimbabwe, Malawi, Mozambique, Zambia and Kenya, with the platform built to scale across the Global South - across 140+ crops, from smallholder plots to commercial farms.

Programme data is used to deliver insurance, advice and reporting for the agreed deployment. Data-sharing and privacy controls are defined with each implementation partner.