Overview
Hokenbo is a customer engagement platform for insurance policy management, serving Japanese consumers and the carriers and intermediaries who distribute products to them. The platform is operated by IB Inc. and targets a documented gap in Japan's insurance market: policyholders routinely fail to file claims they are entitled to because they lack a consolidated view of their coverage.
The core offering is a free iOS and Android mobile app that lets users digitize and organize policies across life, medical, fire, and mutual aid product categories using OCR-based document scanning. A claims diagnostic tool maps registered policies to specific scenarios -- hospitalization, accidents, natural disasters -- to surface coverage that would otherwise go unused. Policies can be shared securely with family members via QR code and encrypted links. The company also offers Hokenbo Connect, a B2B integration layer that allows carriers, brokers, and agents to embed these capabilities in their own customer-facing services. Revenue is generated through platform fees paid by insurance companies and intermediaries.
As of January 2026, the Hokenbo app ranked first in the App Store Insurance category in Japan, with a 4.4-star average rating across 349 or more user reviews. The company holds ISO 27001 certification for information security management.
Products & Services
Hokenbo App
A free mobile application for iOS and Android that enables consumers to photograph and digitize insurance policy documents, including both paper certificates and PDFs, using built-in OCR. The app organizes policies across life, medical, fire, and mutual aid categories and stores them in cloud infrastructure without saving images to the device camera roll.
Key Features
- OCR-based digitization of paper and PDF policy documents
- Multi-category policy organization (life, medical, fire, mutual aid)
- Claims diagnostic tool to match registered policies against a specific scenario
- Family sharing via QR codes and encrypted links
- Privacy-first cloud storage
Target Users: Individual policyholders
Hokenbo Connect
A B2B integration platform that allows insurance companies, brokers, and agents to embed Hokenbo's policy management and digitization capabilities into their own customer-facing applications and services. Provides API-based access to the core policy engine.
Key Features
- API-based integration for insurer and broker platforms
- White-label policy digitization and management
- Claims awareness tooling for distribution partners
Target Users: Carriers, brokers, insurance agents
At a Glance
- Founded
- 2018
- Headquarters
- Tokyo, Japan
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Customer Engagement
- Subcategories
- Policyholder Portal Mobile App Policy Management Document Digitization
- Insurance Verticals
- Life & Annuity P&C Personal Health
- Target Customers
- Carriers, Consumers
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Last updated: 2026-07-15