Roojai

Roojai is a direct-to-consumer digital general insurance carrier headquartered in Bangkok, Thailand, offering motor, health, travel, and personal accident products across Thailand and Indonesia. Founded in 2015 by Nicolas Faquet, an actuary with prior experience at AXA, AIG, and April, the company operates as Roojai Insurance Public Company Limited and distributes policies entirely online via its website and mobile app, targeting consumers who prefer to purchase insurance without agent intermediaries.

The company processes quotes in under 30 seconds and supports end-to-end digital policy issuance, payment, and claims management. Its mobile application enables policyholders to file claims via video call, track incidents in real time, and manage renewals. Roojai transitioned from a brokerage model to a full-stack carrier in 2024 following the acquisition of FWD General Insurance Thailand in 2023 and its subsequent rebranding as Roojai Insurance. In 2024, the company also acquired DirectAsia Thailand from Hiscox Group, consolidating its Thai market presence. Its Indonesian subsidiary operates as an MGA distributing through Sompo Insurance. The Roojai Group also includes MrKumka, a Thai insurance comparison broker, and Lifepal, an Indonesian digital insurance marketplace acquired in 2022.

Roojai completed a USD 60M Series C round in November 2025, led by Apis Partners and Asia Partners, with participation from HDI International, IFC, and Primary Group. The company reports 187,000+ customers across Southeast Asia and holds ISO 27001 certification for information security management. It is regulated by the Office of Insurance Commission (OIC) in Thailand and the Financial Services Authority (OJK) in Indonesia.