Aixuan Technology

AI-powered underwriting and health risk management technology for Chinese health insurers

Underwriting & Risk Growth Series A+

Overview

Aixuan Technology is an underwriting and risk management solutions provider for health insurance carriers in China. The company serves insurers with AI, big data algorithms, actuarial models, and computational science tools designed for non-standard health insurance products, long-term care insurance, and senior care coverage.

The company's core product is an intelligent underwriting system for non-standard health insurance, covering over 700 diseases with more than 50,000 underwriting decision pathways. Aixuan Technology combines academic research in medicine and actuarial science with proprietary technology to automate and personalize underwriting for high-risk and elderly applicants -- a segment historically underserved by standard policy products.

Founded in 2017, Aixuan Technology has raised through a Series A++ round (2022) led by Zhuhai Rongqian Fund, with prior backing from 5Y Capital (formerly Morningside VC), Fellow Capital, Frees Fund, and Ligang Capital. The company has been recognized by EqualOcean as one of the top domestic insurtech companies to watch in China.

Products & Services

Smart Underwriting System for Non-Standard Insurance

An intelligent underwriting platform targeting the non-standard health insurance segment -- covering applicants with pre-existing conditions, chronic illness, or high-risk profiles excluded from standard underwriting. The system evaluates risk across 700+ disease categories with 50,000+ underwriting solutions, providing faster and more granular decisions than traditional manual underwriting.

Key Features

700+ disease coverage with 50,000+ underwriting decision rules
Automated risk scoring for non-standard applicants
Personalized underwriting outcomes for elderly and high-risk populations

Target Users: Health insurance carriers developing non-standard product lines

Baomi New Life Health Management Platform

A long-term care and health management service platform supporting commercial nursing insurance, medical insurance, accident insurance, and critical illness insurance. The platform connects post-discharge rehabilitation, residential care, and in-hospital nursing services with insurance coverage across the care lifecycle.

Key Features

Residential care and post-discharge rehabilitation coordination
Long-term and in-hospital nursing services
Integration with multiple commercial insurance product types

Target Users: Health insurers with long-term care and senior insurance programs

Product Research and Information Services

Weekly insurance product intelligence and research-backed analysis to support carriers in product development, actuarial work, and market positioning. Research is developed in collaboration with domestic and international academic institutions.