BAO Insurtech

An AI-powered insurance distribution platform for agents, brokers, and carriers in Southeast Asia.

Distribution & Sales Growth Bootstrapped

Overview

BAO Insurtech is an insurance distribution technology platform for agents, brokers, managing general agents, and carriers in Vietnam and Southeast Asia. The company operates as a B2B SaaS provider, building digital tools that allow insurance distribution partners to quote, compare, and bind policies within a single application.

The platform integrates AI and data analytics to streamline insurance sales workflows. Products include a digital sales platform for distribution partners and a telematics-based motor insurance solution that adapts coverage pricing to individual driving behavior. The company also offers IoT-enabled fleet management and mobility solutions for commercial transportation customers.

BAO Insurtech's carrier partners include major Vietnamese insurers such as Bao Viet Insurance, Bao Minh, PVI, BIDV, TASCO, Manulife, and Prudential. The company targets SMB and SMB-adjacent market segments, positioning its technology to reach underserved customer groups through its agent and partner network.

Products & Services

BAO Sales Platform

An all-in-one digital hub for insurance distribution. Agents and distribution partners can quote, compare, and bind policies across multiple carriers from a single application. The platform connects to national and regional Vietnamese insurers via API integration.

Key Features

Multi-carrier quote and comparison engine
Single-application policy binding
API integration with national and regional carriers
AI-assisted distribution workflow automation

Target Users: Insurance agents, brokers, and enterprise distribution partners

Personalized Motor Vehicle Insurance

A telematics-powered motor insurance product that adjusts to individual driving behavior and lifestyle. Customers receive personalized quotes based on real-world driving data collected through smart technology.

Key Features

Telematics-based risk scoring from real driving data
Personalized coverage and pricing
Rapid quote-to-bind process for end customers

Target Users: Individual vehicle owners and fleet operators

Smart Mobility and E-Vehicle Solutions

AI- and IoT-powered solutions for commercial fleet and mobility operators. The product covers intelligent vehicle monitoring, predictive maintenance, and fleet management for businesses managing shared or owned vehicle fleets.

Key Features

AI-powered predictive maintenance and performance optimization
Fuel, battery health, engine, and route monitoring via IoT
Fleet management and shared mobility support

Target Users: Commercial fleet operators and mobility businesses

At a Glance

Headquarters: Ho Chi Minh City, Vietnam
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: Quote-to-bind platform Agent portal Telematics Embedded insurance
Insurance Verticals: P&C Personal P&C Commercial Health Life & Annuity
Target Customers: Agents/Agencies, Brokers, Carriers, MGAs/MGUs