EBao Network
Core insurance technology platform enabling carriers and distributors to launch products and connect channels globally.
Overview
EBao Network (trading as eBaoTech International) is a core insurance technology provider that supplies policy administration systems, cloud-native core platforms, and middleware to carriers, brokers, and InsurTech companies in more than 30 countries. The company serves both life and P&C insurance verticals and counts over 300 insurance carriers among its clients globally.
The company delivers its technology primarily through two platforms: eBaoCloud DigitalCore, a cloud-native policy administration system for life and general insurance, and InsureMO (Insurance Middle Office), a PaaS middleware layer built on microservices that connects products, distribution channels, core systems, and external data sources via open APIs. Both platforms support deployment in public cloud and private cloud environments.
Founded in 2000 and headquartered in Shanghai with a regional hub in Singapore, eBaoTech raised USD 36M in growth equity in 2013 from FTV Capital and Cathay Capital. The company is also backed by Ant Group. InsureMO launched globally in 2017 with approximately 100 tenants and now processes billions in gross written premium annually. Notable enterprise customers include Ageas, AXA Gulf, and Walaa Insurance.
Products & Services
InsureMO (Insurance Middle Office)
InsureMO is eBaoTech's flagship PaaS offering, functioning as a global standard insurance middleware layer. It enables insurers and distributors to power digital applications, launch products rapidly, connect distribution channels, and integrate external data sources through an open API platform built on cloud-native microservices.
Key Features
- Open API platform for connectivity across channels, products, and data sources
- Flexible product engine for rapid product launch across life, P&C, and health lines
- Service orchestration for combining business processes and product lines
- Support for traditional and micro/nano insurance products
- Available in public cloud and private cloud configurations
Target Users: Carriers, brokers, agents, car dealerships, internet portals, and InsurTech startups
eBaoCloud DigitalCore
eBaoCloud DigitalCore is a cloud-native core insurance system available in two variants -- DigitalCore Life and DigitalCore General. It supports the full insurance lifecycle including new business, endorsement, renewal, claims, finance, reinsurance, and reporting.
Key Features
- Microservices-based architecture enabling modular deployment
- Full lifecycle coverage from policy issuance through claims and reinsurance
- Support for mainstream P&C and life insurance product types
- Used by a major USD 6B+ general insurer for all mainstream products
Target Users: Insurance carriers seeking core system modernization
Core Modernization Solutions
A business group providing modernization toolkits and frameworks for carriers upgrading legacy systems. Includes sample applications, source code libraries, and consulting services.
Key Features
- Gemini Open Framework for life insurance modernization
- Easy Framework for general insurance modernization
- Coverage of agent portals, policy administration, claims, billing, and reinsurance
- Enterprise consulting, training, and support services
Target Users: Carriers with legacy core systems seeking digital transformation
Regional Ecosystem Platforms
Localized ecosystem and distribution platforms for specific markets, including AutoShop China (automotive insurance), MobileAdvisor China (mobile distribution), Distribution Platform Thailand, and MyTrucksure SaaS (truck insurance).
Key Features
- Market-specific product and distribution capabilities
- Integration with local channels and data sources
Target Users: Carriers and distributors in China, Thailand, and Southeast Asia
At a Glance
- Founded
- 2000
- Headquarters
- Shanghai, China
- Employees
- 501-1000
- Funding
- PE-Backed
Category & Focus
- Category
- Core Administration
- Subcategories
- Policy Administration Insurance Middleware API Platform Core System Modernization
- Insurance Verticals
- Life & Annuity P&C Personal P&C Commercial Health
- Target Customers
- Carriers, Brokers, MGAs/MGUs, Agents/Agencies
Customers
- Ageas Group -- Digital platforms partnership of 10+ years
- AXA Gulf -- Commercial auto digitization on InsureMO (completed 2021)
- Walaa Insurance (Saudi Arabia) -- eBaoCloud DigitalCore adoption (2022)
- Wataniya Insurance (Saudi Arabia) -- Microservices-based cloud platform (2019)
- Trust Insurance Cyprus -- DigitalCore for general insurance (2021)
- YF Life Insurance -- LifeSystem Suite across Hong Kong and Macau (2021)
Links
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Last updated: 2026-06-13