Overview
Tobecon is a Seoul-based healthcare technology startup founded in 2013 that develops AI-powered digital health solutions for the insurance and healthcare industries. The company's mission -- "To Be Continued...For Better-Being" -- reflects its focus on continuous innovation to improve everyday convenience in medical certificate issuance, insurance claims processing, and intelligent underwriting.
Leveraging over 10 years of personal health data and advanced AI/ML capabilities, Tobecon serves more than 10 domestic Korean insurance companies and is connected to over 30,000 medical institutions nationwide through its suite of products. Its core underwriting platform, Moum, predicts biological age and disease incidence rates to enable alternative diagnostic underwriting for major insurers including Samsung Life, Shinhan Life, Dongyang Life, DB Life, and Hanwha Life.
Tobecon has raised a Series A round (2021) backed by Kiwoom Investment, Shinhan Capital, and Shinhan Securities, with total cumulative investment exceeding 2.7 billion KRW. The company has earned back-to-back FinTech Award recognition from the Korea Business Awards in 2020 and 2021 for its medical data collection and analysis capabilities.
Products & Services
Moum (모옰) -- Intelligent Insurance Underwriting
AI-powered underwriting service that leverages 10 years of personal health data and 1 year of medication information to predict biological age and disease incidence rates. Used as an alternative diagnostic underwriting tool by 10+ major Korean insurance companies.
Key Features
- Biological age prediction using AI/ML on longitudinal health data
- Disease probability analysis for alternative underwriting decisions
- Integration with insurance company core systems via API
- Reduces reliance on traditional medical exams for underwriting
- First launched in February 2019 as Korea's first biological age analysis service
MyThirty (마이써티) -- Digital Medical Certificate and Claims
Non-face-to-face insurance claims and medical certificate issuance service enabling users to submit insurance claims via mobile without visiting hospitals in person.
Key Features
- Mobile medical certificate issuance from 30,000+ medical institutions nationwide
- Direct insurance claim submission from smartphone
- Integration with KakaoPaymobile for hospital bill claim processing (launched September 2021)
- Korea's first internet-based medical certificate issuance service (launched 2013)
- Simplified workflow eliminating paperwork and in-person hospital visits
Fillgram (필그램) -- Personalized Health Supplement Subscription
Personalized health supplement recommendation and subscription service using individual health check records and medication data to identify nutritional deficiencies.
Key Features
- AI-driven nutritional gap analysis from personal health check records and medication history
- Personalized supplement recommendations with professional health consultant access
- Customized subscription model for ongoing supplement delivery
- Selected as a special demonstration project operator for personalized health supplement subsale (August 2019)
- Launched January 2020
At a Glance
- Founded
- 2013
- Headquarters
- Seoul, South Korea (Myeongdong / Gwanghwamun)
- Employees
- 11-50
- Funding
- Series A
Category & Focus
- Category
- Underwriting Technology
- Subcategories
- Claims Automation Health Tech AI/ML Medical Data Analytics Personalized Insurance
- Insurance Verticals
- Life & Annuity Health
- Target Customers
- Carriers, Health Insurers
Customers
- Samsung Life
- Shinhan Life
- Dongyang Life
- DB Life
- DGB Life
- KB Life
- Hanwha Life
- Hyungkuk Life
- Orange Life
- 30,000+ medical institutions connected via MyThirty
- 600+ hospitals providing personal health record services
Last updated: 2026-05-18