Digital Insurance · Protection

FinOS Micro-InsuranceA digital marketplace for insurance — compare, buy and manage policies without paperwork or agents.

Digital insurance distribution — research, compare, purchase and manage insurance entirely online without in-person agents.

MARKETPLACEMicro-InsuranceDIGITAL FIRSTLifeHealthTravelCredit LifeComparePurchasePolicyLife · Health · Travel · Credit Life · PA
One marketplace · five products
LifeTerm · Whole life
HealthInpatient + OPD
TravelWorldwide
Credit LifeLoan protection
Personal AccidentPA cover

Key Features

Marketplace, recommendation, purchase and claims — fully digital, embeddable in any partner channel.

01

Multi-Insurer Marketplace

  • Compare policies across multiple insurance providers
  • Standardized product display for easy comparison
02

AI Product Recommendation

  • Personalized recommendations based on profile, life stage and needs
  • Upsell and cross-sell logic built-in
03

Digital Purchase Flow

  • End-to-end online purchase with digital payment
  • eKYC integration for identity verification
  • Digital policy issuance (PDF + e-certificate)
04

Policy Management Portal

  • View active policies, coverage, renewal dates
  • Submit and track claims online
  • Renewal reminders and auto-renewal
05

Embedded Insurance API

  • Add insurance as a feature in any app, checkout flow or platform
  • Contextual offers (e.g., travel insurance at flight booking)
06

Claims Processing

  • Digital claim submission with document upload
  • Status tracking for claimants

How It Works

From recommendation to claim — entirely online.

01
INPUT

Discover

Customer browses or receives a recommended product.

02
AI

Compare

Compare policies side-by-side from multiple insurers.

03
KNOWLEDGE

Verify

Identity verified via eKYC.

04
SENTIMENT

Purchase

Digital payment and instant policy issuance.

05
HANDOFF

Manage

View, renew or update policies in the portal.

06
ANALYTICS

Claim

Submit and track claims online when needed.

Use Cases

At-Checkout Insurance

The Challenge

Vietnam’s e-commerce shoppers routinely forgo purchase or travel protection because traditional insurance requires branch visits, lengthy paperwork, and multi-day processing — friction that kills conversion at the point of sale. Low-income and first-time buyers are disproportionately excluded, leaving a vast underinsured segment without accessible coverage.

How Micro-Insurance Helps

Micro-Insurance’s Embedded Insurance API surfaces a contextual, one-tap protection offer at the exact checkout moment, binding the policy and issuing a digital certificate in seconds with no additional forms. The platform handles consent capture, premium collection, and insurer connectivity in a single integrated flow, removing every manual step between offer and coverage.

Business Impact
< 60 secFrom checkout opt-in to policy certificate issued
↑ attach rateHigher insurance take-up vs. stand-alone offer journeys
0 paperworkFully digital consent, payment, and policy issuance

Frequently Asked Questions

eKYC is integrated natively — identity is verified before purchase completes.

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