Sinda
Sinda

Cover that shows up when it matters.

Insurance built for how Zambians actually live. Enrolled on WhatsApp. Paid to Mobile Money. From K25/month.

Start on WhatsAppSee how it works →
S
Sinda
online
Mwaiseni! I'm Sinda. Which cover do you need — funeral, hospital, or phone?
Pamodzi for my family. From K25 on MoMo.
Perfect. Send a clear photo of your NRC and I'll enroll you in under two minutes.

Regulated under the Microinsurance Regulations 2025 · Reinsured by Zambia Re · Built by Pranary AI

K15,000+
average urban funeral cost
2 hours
from claim to Mobile Money
93.7%
of Zambian adults uncovered

How it works

Three steps. Chat or form — your choice.
Step 1

Photograph your NRC

AI reads your details. No typing.
Step 2

Choose what to cover

Yourself, family, phone or hospital stays. Mix and match.
Step 3

Pay on Mobile Money

Daily, weekly or monthly. MTN, Airtel or Zamtel.

Products

Tap a card to start in WhatsApp-style chat.

Sinda Pamodzi

Funeral cover that arrives before the family does
From K25/mo

Sinda Polani

Hospital cash when work has to wait
From K40/mo

Sinda Foni

Phone insurance that pays in 24 hours
From K30/mo

Sinda Bungwe

Group cover for alumni, workplaces and churches
From K25/mo

Why Sinda

Cover that bends with your income
Missed payments reduce your cover, not cancel it. Catch up anytime within 90 days.
AI that explains itself
Every claim decision comes with a trace showing exactly why you were paid.
Paid before the paperwork
Claims settled to your Mobile Money in hours, not weeks.