Axion Insurance
Insurance Claims Guide
Understand how to report an insurance claim, prepare documents and follow the claims process with the underwriting carrier.
Explore insurance products · Read the claims guide · Verify a certificate
Insurance built for Ethiopia
Cover for life in motion.
For the car you drive, the family you support and the plans you are building. Choose your cover, see every term and keep proof on your phone.
Cover is underwritten by licensed insurance carriers.
- Licensed protectionEvery policy names the carrier bearing the risk.
- Clear before you buySee the price, cover, exclusions and claim steps upfront.
- Proof in your pocketReceive a digital certificate with online verification.
Get a quote
What would you like to protect?
Start with the person or thing that matters to you. We will show your available options, price, licensed carrier and full terms before you decide.
How it works
Protected in three clear steps.
From choosing cover to making a claim, every step is designed to be understood. No hidden terms and no guessing who provides your insurance.
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1 · Choose
Find the right cover
Tell us what you want to protect and compare the available options through a participating bank, MFI, SACCO, fintech or agent.
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2 · Review and pay
Know exactly what you are buying
See the premium, benefits, exclusions, waiting periods and licensed carrier. Pay in Ethiopian birr using the available payment method.
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3 · Stay protected
Use your cover when it matters
Keep your digital certificate close, receive renewal reminders and submit and track a claim with clear status updates.
Products
Cover designed around real life in Ethiopia.
Start with the protection you need today. Every option explains what is covered, what is not and who underwrites the policy before you buy.
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Motor insurance
For the road ahead
Comprehensive cover (own damage, theft and fire, plus third-party liability) or third-party liability only.
View motor cover -
Health microinsurance
For everyday care and emergencies
Medical cover for a household of up to eight members, with basic and family plans.
View health cover -
Loan protection
For the people behind every loan
Clears the outstanding loan balance on death or permanent disability, so a family does not inherit the debt.
View loan protection -
Diaspora family protection
For family at home
Hospital care and an accidental death benefit for family in Ethiopia, paid for from anywhere.
View family cover
More ways to protect what matters
- Life
- Travel
- Property / home
- Business / SME
- Takaful
For customers
Your cover, always within reach.
Buy with confidence, keep your documents together and know what is happening when you need help.
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Secure sign-up
Sign in with a one-time code sent to your phone or email. Identity checks depend on the product you choose.
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Know before you buy
Every quote shows the premium, what is covered, what is not, the waiting period and how to claim, before you buy.
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Pay in Ethiopian birr
See the available payment methods before you pay. Your policy explains renewal dates and any grace period.
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Proof ready to share
Your certificate arrives as soon as the policy is issued, with a PDF and a QR code anyone can verify online.
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Track every claim step
Pick a policy, upload photos and documents, and follow every step. Message your assessor and get SMS updates.
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Stay covered
SMS reminders before renewal, and a grace period before a missed premium lapses the policy.
Follow a claim from start to finish
- Submitted
- Under review
- More info needed
- Approved
- Paid
If more information is needed, you will know what to send. If a claim is rejected, you can appeal the decision.
For partners
Offer insurance under your own brand.
Help your customers find cover through your bank, microfinance institution, SACCO or business. Our team will help you plan how customers apply, pay and get support.
- Cover suited to your customers
- Help with applications and payments
- Clear policy documents and renewal reminders
- Support when customers need to make a claim
Tell us who you serve and what cover they need. We will discuss suitable products, responsibilities and the steps to get started.
Speak with our partnerships team.
Trust
Licensed carriers bear the risk.
Axion Insurance provides the technology and distribution platform. The insurance itself is underwritten by licensed carriers, and every quote, policy and certificate names the carrier and its licence.
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Named carrier, every time
You always know who insures you. The carrier's legal name and licence are on the quote and the certificate.
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Clear pricing
Your quote shows the premium and any discounts before you decide to buy.
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Help with your policy
Contact your insurer or the partner you bought through when you need help with your cover.
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Check any certificate
Scan the QR code or enter the code to confirm a certificate is genuine and in force.
Good to know
Straight answers before you choose.
Understand your cover before you buy.
Who actually provides my insurance?
A licensed insurance carrier underwrites each policy and bears the risk. Its legal name and licence appear on your quote, policy and certificate.
Where can I buy Axion Insurance cover?
You can buy through participating banks, MFIs, SACCOs, fintechs, employers, diaspora platforms and agents. The available channel is shown on each product page.
How do I know a certificate is genuine?
Scan its QR code or use the certificate number on our verification page to confirm its current status online.
Tips & resources
Practical help, when you need it.
Plain-language guidance for choosing cover, managing costs and knowing what to do next.
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Premiums, deductibles and exclusions
Understand the words that shape what you pay and what your policy covers.
Learn the basics -
How much protection do you need?
Use your vehicle value, household needs, debts and dependants as a practical starting point.
Review the guide -
Ways to lower your premium
See how safer choices, product rules and eligible discounts can affect your price.
Explore discounts -
What to do after a road accident
Protect people first, document the scene and gather what you need for the claim.
See the claim steps
Mobile app
Get the Axion Insurance app
Buy cover, pay, download your certificate and track claims from your phone. Until the app is published, you can buy cover through our partners.
- Coming soon on theApp Store
- Coming soon onGoogle Play
Axion Insurance
Your policies
Motor insurance
ActiveMy family
Certificates
Get covered
Axion Insurance
Certificates
Proof of cover
SampleDownload PDF
Axion Insurance
Track a claim
Submitted
Under review
Decision
Claims help