Pay-Per-Use Insurance
for Digital Platforms
Activate, price, and settle protection dynamically — per transaction, per session, or per unit of usage.
Gangkhar enables pay-per-use insurance models that activate, price, and settle protection dynamically — per transaction, per session, or per unit of usage.
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For digital platforms, static insurance does not match how value is created.
Pay-per-use insurance aligns protection with real activity, real risk, and real revenue.
What is pay-per-use insurance?
Pay-per-use insurance is a model where coverage is activated only when an action occurs and priced according to actual usage.
Instead of annual or monthly policies, protection is triggered:
Per ride
Per delivery
Per transaction
Per session
Per hour or time window
Coverage exists only when it is needed — and disappears when it is not.
Why traditional insurance does not work for digital platforms
Digital platforms operate differently:
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High-frequency interactions
Thin margins
Variable risk per transaction
Real-time user behavior
Most insurance systems were designed for:
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Predictable exposure
Low-frequency events
Fixed periods
Manual adjustments
Common limitations include:
Over-coverage
Inefficient costs​
Poor alignment with revenue​
Operational friction
How Gangkhar's AI-native platform works
Gangkhar's platform applies AI across the full insurance lifecycle:
Risk
Coverage activates only when exposure exists.
Cost
Insurance costs scale with activity, not assumptions.
Revenue
Protection can be embedded as a contextual, value-adding layer.
For platforms, this means:
Predictable unit economics
Better margin control
Fair pricing for users
Higher trust and adoption
How Gangkhar's insurance orchestration platform works
Gangkhar provides a centralized orchestration layer that manages:
Mobility platforms
(per ride / per hour)
Delivery platforms
(per delivery / per shift)
E-commerce
(per order / per product)
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Fintech
(per transaction / per account activity)
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Subscription platforms
(per usage window)
Any business where activity is measurable can support pay-per-use insurance.
Why pay-per-use insurance is hard to implement
Despite its advantages, pay-per-use insurance fails without the right infrastructure.
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Real-time activation requirements
High transaction volume
Dynamic pricing complexity
Claims frequency and automation
Multi-market regulatory constraints
These challenges cannot be solved with:
Static APIs​
Manual workflows​
Single-carrier integrations
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How Gangkhar enables pay-per-use insurance at scale
Gangkhar provides a fully orchestrated, AI-native infrastructure designed specifically for pay-per-use insurance:
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Real-time activation
Coverage is triggered automatically at the moment of usage.
Dynamic pricing
AI-optimized pricing adapts by transaction, user behavior, and risk signals.
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Automated policy lifecycle
Policies are created, attached, and closed without manual intervention.
Claims orchestration
High-frequency claims are routed, processed, and settled efficiently.
Multi-carrier and multi-market support
Pay-per-use models scale across countries without re-engineering.
All through one API and one control layer.
How Gangkhar's insurance orchestration platform works
Gangkhar provides a centralized orchestration layer that manages:
Multi-carrier coordination
Integrate, configure, and route insurance products across multiple carriers without reengineering platform logic.
Dynamic product configuration
Define coverage rules, pricing logic, and eligibility criteria by market, segment, or transaction type.
Policy lifecycle orchestration
Automate policy creation, attachment, updates, and renewals across carriers.
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Claims orchestration
High-frequency claims are routed, processed, and settled efficiently.
Regulatory and
compliance orchestration
Apply market-specific rules automatically, enabling cross-border scalability.
Payment and settlement orchestration
Manage multi-currency settlements, billing flows, and payout timing through a single system.
All orchestration logic is exposed through one API and configuration layer.
What is embedded insurance infrastructure?
Embedded insurance infrastructure is the technology layer that allows insurance coverage to be integrated directly into digital platforms — automatically, contextually, and at scale.
Instead of selling standalone insurance products, this infrastructure enables protection to be activated:
Real-time pricing optimization
Claims prediction and prevention
Performance benchmarking across carriers
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