Agula

Agula is a direct-to-consumer insurance carrier based in Ulaanbaatar, Mongolia, offering health, property, vehicle, liability, and travel insurance products. The company operates under the brand "Agula Insurtech" and positions itself as the first technology-based insurance company in Mongolia, serving individual and commercial clients across sectors including mining, automotive, healthcare, and financial services.

The company distributes policies through a combination of digital channels -- including a web platform at agula.mn and native iOS and Android mobile apps -- as well as a broker network and institutional partnerships. Agula has developed proprietary technology including ZURAGU, an AI-based vehicle damage detection and assessment system built over three years. The mobile app (package name mn.agula.insurtech) is actively maintained, with the most recent update in April 2026.

Agula appears to be privately held with no publicly disclosed funding rounds. The company has established an operational presence in Mongolia with a team of insurance and financial sector specialists and maintains partnerships with local and international organizations for product expansion.