Product design
Propositions built around our member journey and pricing.
You look after your health.
MontCove will look after you.
MontCove is an AI Native InsurTech, built with human empathy and full MGA capability. We design and manage Accident & Health and Life cover, delivered through our strategic distribution partner network.
Authorised and regulated by the UK Financial Conduct Authority
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AVA demo · MontCove product film
An AI Native member journey, built with human empathy, that rewards people who look after their health with better pricing and greater benefits.
The 60-second scan
Blood pressure, resting heart rate, heart rate variability, breathing rate and blood oxygen, read live from a face scan. Your score in sixty seconds.
An MGA built for stronger underwriting results.
What MontCove does for Underwriters
Real-time underwriting
Members are scored by the face scan at sign-up, automatically and at scale, building a healthier risk pool.
Fraud control
Face match confirms the same member at sign-up and every time after.
Data and MI
A monthly MI pack: actual-versus-expected claims, acceptance rates and fraud flags.
Governed by design
Every automated decision follows approved, versioned rules, with a logged reason. Built around FCA product governance and the Consumer Duty. FCA authorised.
Engaged members
Yearly check-ins and fresh scans keep member data current and members engaged.
Products
Three markets, one weakness: almost nothing is known about the member until they claim.
Travel
MontCove Travel
MontCove Travel reads the member’s health at sign-up and asks the medical questions properly, so fewer claims fail later.
- Travel cover built around the AVA member journey
- Limits that flex, premium moves with them
- Safety Assist and Cyber Assist on every trip
Accident & illness
MontCove Personal Accident & Critical Illness
MontCove Personal Accident & Critical Illness verifies health evidence at entry and uses ABI-standard definitions AVA explains before purchase.
- A lump sum the member chooses, paid on a covered event
- Pays on living events: a covered diagnosis, accidental death or injury
- Cover in minutes, no medical examinations
Life
MontCove Micro Life
MontCove Micro Life is bought on a phone in one sitting, with a 60-second scan instead of a medical.
- Simple life protection, a lump sum payable on death
- From £5,000 in £5,000 steps
- Beneficiary named and verified from day one
Micro Life pays a lump sum on death. Personal Accident & Critical Illness pays on living events: a covered diagnosis, accidental death or injury. Same journey, same health layer, different trigger.
Founders & Team · Global insurance experience
- 125+ yearsCombined team experience
- 10 millionMembers served
- 2,500+Corporate and affinity relationships
- GlobalFounder experience
These figures reflect our founders', directors' and team's previous businesses and roles. MontCove is a new company, authorised in 2026.
Founders & Directors
Michail "Mike" Chopra
Co-founder & CEO
30+ years in global insurance, international corporate structures and InsurTech. Co-founder of Mayfair Consultancy Services and Mayfair We Care. Builds product, capacity and partner journeys around real distribution and Underwriter economics.
Nicholas Taylor
Co-founder & Company Director
More than 20 years building and leading insurance, medical assistance and employee benefits businesses, from Allianz in Melbourne and International SOS in London to co-founding Mayfair Group's businesses across India, Australia, Singapore, the Philippines and the UK. Former COO and CCO of Mayfair We Care.
Anthony Moorhouse
Non-Executive Director
Managing Director of VUCA Risk, the Australian psychosocial-safety insurance and crisis-response business behind Safety Assist. Founder of Dynamiq, a global emergency-management company.
Jason Fuller
Non-Executive Director
Co-founder and Director of Penguin Risk Solutions, the Perth-based corporate insurance broker. Over 27 years in insurance, from wholesale reinsurance broking in London to placements in more than 70 countries.
Technology & Product Advisers
Akshay Kulkarni
Product Adviser
Advises on the health technology behind AVA: facial-health scoring, guided onboarding and member engagement. Founder and leader of digital health ventures connecting clinical insight with practical insurance journeys.
Rishabh Verma
Technology & AI Adviser
Chief Product & AI Officer of the digital health company delivering MontCove's technology build, and adviser to MontCove since 2026. Specialises in computer vision, generative AI and multi-agent systems, with a background in computer-vision data science. Engineering graduate of Netaji Subhas Institute of Technology, Delhi.
Contact
One place to reach us, whether you want to partner, request an Underwriter briefing or simply ask a question.