INSHUR Funding, Investors & Competitors

Cover Genius is a Sydney-headquartered insurtech platform embedding insurance into e-commerce checkouts worldwide. The company offers real-time claims payment, dynamic pricing, and warranty products for travel, events, and purchases. Cover Genius partners with platforms like Booking.com and Uber to protect millions of customers against disruptions.

Zhibao Technology Inc is an insurance technology company providing digital insurance brokerage services in China. The Company operates a 2B2C digital embedded insurance business model, which it pioneered in China, and provides managing general underwriter (MGU) services to insurance companies, including product design, underwriting, reinsurance, claims, and risk control within specific product or market segments. It offers customized digital insurance solutions for B-side channels, including Internet platforms, enterprises, and government agencies, by embedding insurance products into existing business platforms and providing digital insurance brokerage services to C-end customers.

Oscar Health Inc is a healthcare technology company built around a full stack technology platform and a relentless focus on serving its members. It offers Individual & Family plans and health technology solutions that power the healthcare industry. Oscar operates as one segment to sell insurance to individuals, families and employees through the federal and state-run healthcare exchanges formed in conjunction with the Patient Protection and Affordable Care Act (ACA) and leverages its technology platform to provide services via its Oscar offering.

PB Fintech Ltd is an integrated online marketing and consulting firm serving the financial services industry, including insurance. Its revenue mainly comes from commissions on insurance and financial products sold online and offline. Services include online marketing, product aggregation, insurance commissions, outsourcing for insurers, generating sales, IT support, and lending-related fees. The business operates in a single segment focused on financial services, with all revenue generated within India. The Company helps middle-class households secure social security by providing solutions for protecting against death and disease, planning for child education and pensions, and accessing financial and lending products.

Alan delivers digital health insurance services from Paris, France. The company supplies supplemental health coverage to businesses including telemedicine consultations, online claims processing, and mental health support. Alan serves small and medium enterprises across France with tailored group policies. Founded in 2016, it partners with medical networks for rapid reimbursements and preventive care programs.

wefox is a Berlin-headquartered insurtech platform that links insurers, brokers, businesses, and customers across Europe for digital policies in health, liability, and disability lines. Operating in Germany, Italy, Poland, and Switzerland, it provides policy management, claims processing, and instant quotes through a broker-focused model. The company serves over 700,000 customers via its app and web interface.

Accelerant Holdings operate as a data-driven risk exchange that connects selected specialty insurance underwriters with risk capital partners. Geographically, it operates in North America; and UK and EU, out of which it derives maximum revenue from UK and EU.

Lemonade Inc operates in the insurance industry. The company offers digital and artificial intelligence based platform for various insurances and for settling claims and paying premiums. The platform ensures transparency in issuing policies and settling disputes. The company is using technology, data, artificial intelligence, contemporary design, and social impact to deliver delightful and affordable insurances. The Company operates in one report segment providing personal property and casualty insurance products within the United States and Europe, including the UK.

Root Insurance is a Columbus, Ohio-headquartered insurtech that delivers auto and renters coverage through a mobile app assessing driving behavior via smartphone telemetry. Policies adjust premiums based on metrics like hard braking events, acceleration patterns, and nighttime driving frequency. The company underwrites in 34 U.S. states and partners with Progressive for reinsurance. Launched in 2015, Root Insurance expanded to pet insurance in 2023.

Rasan Information Technology Co is engaged in online wholesale, electronic publishing, ready software publishing, systems analysis, design and customization of program software, software maintenance, web page design, setting up of web page hosting infrastructure, providing SMS design, and website design. Currently, it is engaged in providing insurance aggregator, online auto auction, and online leasing insurance services. The company's operating segments include Tameeni-Motors, Tameeni-Health, Leasing, Awal Mazad, and R Solutions. Maximum revenue is derived from the Tameeni Motors segment which offers a B2C digital platform providing vehicle owners access to motor insurers.

Clover Health Investments Corp is a healthcare technology company. It focuses on empowering Medicare physicians to proactively manage chronic diseases through its proprietary software platform, Clover Assistant. This cloud-based solution provides personalized insights to physicians, enabling early detection and management of chronic conditions. It operates in one segment: Insurance, through which it offers PPO and HMO plans to Medicare Advantage members in several states.

Ethos Technologies Inc is an insurtech company. The company operates a digital, vertically integrated platform that supports the insurance value chain, including distribution, underwriting, activation, payments, and administration for consumers, agents, and carriers. Its key offerings include Term Life Insurance, Whole Life Insurance, and Indexed Universal Life Insurance products, as well as Wills & Estate Planning and Supplemental Health Insurance products. The majority of the company's revenue is derived from commissions on term life insurance products.

With headquarters in Shanghai, ZhongAn was founded by Ant Financial, Tencent, Ping An Insurance, and other well-known enterprises in 2013. The company is the first internet-based insurance company in China. It provides online underwriting and claim services through the internet without any offline branches. ZhongAn was listed in September 2017 in Hong Kong. Besides the online insurance segment, the company operates technology and banking segments. Its insurance technology segment exports digital operating systems, middle platforms, and industry models to licensed financial players both domestically and overseas. Its banking segment, through Hong Kong-based virtual ZA Bank, is the largest in Hong Kong by total assets.

bolttech is a Singapore-headquartered InsurTech firm building an AI-powered insurance distribution platform active in Asia, Europe, and Latin America. The company offers point-of-sale products covering device protection, travel, motor, property, and life insurance through partnerships with telcos, e-commerce sites like Shopee, and banks in 18 markets.

Kin Insurance is a Chicago-headquartered direct-to-consumer insurtech specializing in homeowners policies in Florida, Texas, California, and North Carolina. The platform uses property-specific data from 100 sources for precise pricing and underwriting. Kin offers customizable coverage with features like roof leak protection and hurricane deductibles. Founded in 2016, it has issued over 100,000 policies through its app-based claims process averaging 10 days resolution.

ManyPets is a UK pet insurance provider offering policies for dogs, cats, and multi-pet households. Coverage includes lifetime conditions, dental issues, and wellness plans with no excess options. London-headquartered and launched in 2019 as Bought By Many, the firm uses AI for claims processing and serves over 200,000 pets. Partnerships with vets like Vets4Pets provide direct reimbursement.

Marshmallow is a UK-based insurtech, founded in 2017 by twin brothers Oliver and Alexander Kent-Braham together with David Goaté, that sells car and van insurance to migrants and other drivers who are often overlooked by mainstream insurers because they lack UK credit history or driving records. The company uses technology, data, and AI to price risk and process claims, and does not charge customers for mid-policy changes. Marshmallow now insures more than 1 million drivers and has become one of the UK's largest fintech companies.