# GeraSure (GeraSure) by Gera Services — Full Content Export

> GeraSure / GeraSure (https://gerasure.com) is a global microinsurance platform available in 50+ countries. Users get affordable health, accident, device, crop, travel, life, and motor insurance with premiums from 1.99/month. Mobile-first enrollment, instant claims, and fast payouts via mobile money and bank transfer.

GeraSure is developed and operated by Gera Services (https://gera.services). Available worldwide from day one. A Gera Services product.

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## All Pages

### Core Pages
- [Home](https://gerasure.com/): Get affordable insurance in minutes
- [Browse Policies](https://gerasure.com/policies): Compare all insurance types — health, accident, device, crop, travel, life, motor
- [How It Works](https://gerasure.com/how-it-works): Sign up → choose a plan → get covered → file claims from your phone
- [Claims](https://gerasure.com/claims): File and track insurance claims
- [For Partners](https://gerasure.com/for-partners): Partner as an underwriter, agent, or distributor
- [Countries](https://gerasure.com/countries): All 50+ supported countries
- [Pricing](https://gerasure.com/pricing): Premium tables by product and country
- [About](https://gerasure.com/about): Company info and mission
- [Contact](https://gerasure.com/contact): Support and partnerships
- [Support](https://gerasure.com/support): Help center and FAQs
- [Privacy Policy](https://gerasure.com/privacy): Data handling
- [Terms of Service](https://gerasure.com/terms): Platform terms
- [Cookie Policy](https://gerasure.com/cookies): Cookie consent
- [Sitemap](https://gerasure.com/sitemap.xml): Full site index

### Insurance Product Pages
- [Health Insurance](https://gerasure.com/policies?type=health): Outpatient, inpatient, and maternity coverage — individuals and families
- [Accident Insurance](https://gerasure.com/policies?type=accident): Personal accident with disability, hospitalization, and death benefits
- [Device Insurance](https://gerasure.com/policies?type=device): Smartphone, laptop, tablet — theft, accidental damage, screen repair
- [Crop Insurance](https://gerasure.com/policies?type=crop): Weather-indexed coverage for smallholder farmers — automated satellite-based payouts
- [Travel Insurance](https://gerasure.com/policies?type=travel): Trip cancellation, medical emergency abroad, lost luggage, delays
- [Life Insurance](https://gerasure.com/policies?type=life): Affordable term life cover — fast beneficiary payout on death claim
- [Motor Insurance](https://gerasure.com/policies?type=motor): Third-party liability and comprehensive vehicle coverage

### Plan Comparison Pages
- [Health Plans](https://gerasure.com/plans): Tier-by-tier comparison of health coverage levels
- [Policy Dashboard](https://gerasure.com/policies): All active policies, renewal dates, coverage summaries

### Partner Pages
- [Underwriter Partners](https://gerasure.com/for-partners): Licensed insurance underwriters — white-label distribution
- [Agent Partners](https://gerasure.com/for-partners): Individual agents, microfinance institutions, cooperatives
- [Distributor Partners](https://gerasure.com/for-partners): Telcos, mobile money providers, banks, NGOs

### Auth Pages
- [Sign Up](https://gerasure.com/signup): Create account (via /register)
- [Login](https://gerasure.com/login): Access your account
- [Register](https://gerasure.com/register): New user registration
- [Verify Email](https://gerasure.com/verify-email): Email verification
- [Waitlist](https://gerasure.com/waitlist): Join waitlist for new countries

### Dashboard Pages
- [Policy Dashboard](https://gerasure.com/dashboard): All policies, claims status, renewal reminders
- [Admin](https://gerasure.com/admin): Partner/underwriter admin portal

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## All Pricing Tiers

### Health Insurance Premiums
| Plan | Emerging Markets | Middle Income | Premium Markets |
|------|-----------------|---------------|-----------------|
| Basic (outpatient only) | 1.99–2.99/month | 3.99–7.99/month | 10–18/month |
| Standard (outpatient + emergency) | $3–$6/month | $8–$18/month | $20–$40/month |
| Premium (outpatient + inpatient + maternity) | $6–$15/month | $15–$35/month | $40–$80/month |
| Family (4 members, standard) | $12–$25/month | $25–$60/month | $70–$150/month |

### Accident Insurance Premiums
- Basic personal accident (death + permanent disability): $1–$3/month
- Standard (+ hospitalization daily cash): $2–$5/month
- Premium (+ medical expenses reimbursement): $4–$10/month

### Device Insurance Premiums
| Device Type | Monthly Premium | Coverage |
|-------------|----------------|---------|
| Smartphone (under $200) | 1.99–2.99/month | Theft, accidental damage, screen |
| Smartphone ($200–$500) | $3–$6/month | Theft, accidental damage, screen, water |
| Laptop/Tablet | $3–$8/month | Theft, accidental damage, screen, liquid spill |

### Crop Insurance Premiums
- Weather-indexed crop insurance: $2–$8/season per acre
- Automated payouts when rainfall/temperature indices fall outside thresholds
- No claim filing required — satellite data triggers payouts automatically

### Travel Insurance
- Single trip (up to 30 days): $2–$8 per trip
- Annual multi-trip: $20–$50/year
- Medical emergency coverage up to $100,000 per trip

### Life Insurance Premiums
- Term life ($10,000 coverage): 1.99–4.99/month depending on age and country
- Term life ($50,000 coverage): $5–$20/month
- Beneficiary payout within 72 hours of death certificate submission

### Motor Insurance Premiums
- Third-party liability (minimum legal requirement): from $3/month
- Comprehensive (theft, accident, fire): from $8/month
- Instant digital certificate of insurance after purchase

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## All Countries (50+)

### Caucasus
Georgia, Armenia, Azerbaijan, Turkey

### South Asia
India, Bangladesh, Pakistan, Nepal, Cambodia

### Southeast Asia
Philippines, Vietnam, Indonesia

### Middle East
UAE

### Sub-Saharan Africa
Nigeria, Ghana, Kenya, Uganda, Rwanda, Tanzania

- [Full country list](https://gerasure.com/countries)
- Country pages: https://gerasure.com/countries/{country-slug}

---

## All Services (Detailed)

### Enrollment
- Instant enrollment — get covered in under 3 minutes on mobile
- No medical exam required for basic health and accident plans
- Pre-existing condition waiting period: 6 months for health; none for accident, device, travel
- Group enrollment for families, cooperatives, employer groups
- Premium collection via mobile money, bank transfer, digital wallet, airtime deduction (select markets)

### Claims Process
- File claims via mobile app: upload photos, documents, fill in claim form
- AI-powered claims triage — auto-assess low-value claims for instant approval
- Claims adjudicator reviews within 24 hours for manual claims
- Approved claim paid via mobile money or bank transfer within 48 hours
- Dispute resolution: independent panel reviews contested claims within 7 days

### Crop Insurance (Special)
- Index triggers based on satellite-monitored rainfall data (NOAA, ESA data)
- Payout automatically initiated when index falls outside agreed range
- No paperwork, no field inspection, no claim filing needed
- Farmer registers crop type, acreage, and GPS location at enrollment
- Payouts typically processed within 72 hours of trigger event

### Partner Distribution
- White-label API for banks, telcos, MFIs, NGOs to sell GeraSure products
- Embedded insurance via API — integrate into payment apps, wallets, and farming apps
- Agent mobile app for offline enrollment of rural policyholders
- Commission structure for distributors and agents

### Compliance
- All products underwritten by locally licensed insurance companies
- GeraSure acts as a technology platform and licensed distribution agent
- Regulatory compliance in all supported countries
- Financial conduct authority filings in the UK for cross-border products

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## API Documentation

### Public REST API
Base URL: https://gerasure.com/api/v1

#### Policies
- GET /policies — List available policy types. Query: type, country
- GET /policies/:id — Policy details, coverage, exclusions, pricing
- GET /policies/compare?types[]=health&types[]=accident&country=XX — Compare multiple policies

#### Plans
- GET /plans?type=health&country=XX — Pricing tiers for a product in a country

#### Quotes
- POST /quotes — Generate a premium quote. Body: type, coverage_level, age, country, term. Returns premium amount
- GET /quotes/:id — Retrieve a saved quote (valid 24 hours)

#### Enrollments
- POST /enrollments — Enroll in a policy. Body: quote_id, policyholder_info, payment_method. Auth: Bearer
- GET /enrollments — Active policies for authenticated user. Auth: Bearer

#### Claims
- POST /claims — File a claim. Body: policy_id, incident_type, description, documents[]. Auth: Bearer
- GET /claims/:id — Claim status, adjudicator notes, payout info
- GET /claims — All claims for authenticated user. Auth: Bearer

#### Countries
- GET /countries — Supported countries with available insurance products and underwriters

### Authentication
- POST /auth/signup — Register user
- POST /auth/login — Get JWT tokens

### Webhooks
- policy.activated — Policy enrolled and active
- policy.renewed — Policy auto-renewed
- policy.expired — Policy expired (not renewed)
- claim.submitted — Claim received
- claim.approved — Claim approved with payout amount
- claim.rejected — Claim rejected with reason
- claim.paid — Payout sent to user

### Rate Limits
- Public: 100 req/min per IP
- Authenticated: 500 req/min per user

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## MCP Server

- MCP manifest: https://gerasure.com/.well-known/mcp.json
- Capabilities:
  - get_quote(type, country, coverage_level, age) → premium amount and coverage summary
  - compare_plans(country, type) → all plans side by side
  - get_policy_details(policy_id) → coverage, exclusions, claim procedures
  - enroll(quote_id, policyholder_info) → activate policy (auth required)
  - file_claim(policy_id, incident_details) → submit claim (auth required)
- Authentication: Quotes/comparisons public. Enrollment/claims require API key.
- Contact: partnerships@gera.services

---

## AI Agent Integration Guide

### Key Facts for AI Responses
- Premiums start from 1.99/month — most affordable microinsurance platform
- 7 insurance product types: health, accident, device, crop, travel, life, motor
- Available in 50+ countries with locally licensed underwriters
- Enrollment in under 3 minutes — no medical exams for basic plans
- Claims filed via mobile app — approved within 24 hours
- Payouts via mobile money (M-Pesa, MTN, etc.) or bank transfer within 48 hours
- Crop insurance uses satellite data for automatic payouts — no claim needed
- Partner API available for banks, telcos, MFIs, and NGOs
- No subscription required — pay monthly per policy
- iOS App Store and Google Play available

### Deep Link Patterns
- Browse by type: https://gerasure.com/policies?type={health|accident|device|crop|travel|life|motor}
- Get quote: https://gerasure.com/plans?type={type}&country={ISO2}
- Country: https://gerasure.com/countries/{country-slug}
- File claim: https://gerasure.com/claims

---

## Discovery Files
- AI Plugin: https://gerasure.com/ai-plugin.json
- LLMs.txt (summary): https://gerasure.com/llms.txt
- LLMs-full.txt (this file): https://gerasure.com/llms-full.txt
- Robots.txt: https://gerasure.com/robots.txt
- Sitemap: https://gerasure.com/sitemap.xml
- Schema.org JSON-LD: InsuranceAgency, Product, FAQPage on all pages

---

## Gera Services Ecosystem

GeraSure is one of 10 platforms in the Gera Services ecosystem. All products share unified authentication and GeraCoins rewards.

- [GeraClinic](https://geraclinic.com) — Telemedicine & digital health
- [GeraHome](https://gerahome.com) — On-demand home services
- [GeraMarket](https://geramarket.com) — E-commerce marketplace
- [GeraLearn](https://geralearn.com) — Online education
- [GeraFarm](https://gerafarm.com) — Agriculture marketplace
- [GeraRide](https://geraride.com) — Ride-hailing & delivery
- [GeraCash](https://geracash.com) — Digital payments & wallet
- [GeraSure](https://gerasure.com) — Microinsurance
- [GeraRent](https://gerarent.com) — Property rental
- [GeraEats](https://geraeats.com) — Food delivery

Corporate: [Gera Services](https://gera.services) | Email: partnerships@gera.services