Microinsurance was built to protect the most vulnerable — but the economics are broken.

Small premiums aren’t viable for insurers, and operational friction makes them unaffordable for policyholders.

Hoken fixes the economics with a real-time settlement platform that unifies policy, claims and capital operations. Premiums, commissions, reserves and claims settle instantly. No batching, no bordereaux, no reconciliation.

By automating the underlying financial and operational flows, insurers and reinsurers gain a real-time view of exposure, reserves and risk. Capital can lock, release and recycle automatically as policies attach and expire.

When every participant operates on the same real-time infrastructure, a market naturally emerges – where insurers and reinsurers can deploy capital into small, high-volume programmes at scale.

This turns microinsurance from a high-friction product into a high-velocity one  – economical and affordable.

A New Microinsurance Economy.