Una Indonesia

Embedded insurance API platform for fintechs, neobanks, and MSMEs in Indonesia

Distribution & Sales Startup

Overview

Una Indonesia is an embedded-insurance API platform serving fintech apps, neobanks, and MSMEs in Indonesia, distributing life, personal accident, travel, motor, and fire insurance across P&C and life and annuity lines.

The company connects partner platforms to coverage through a single API integration, alongside a direct-to-consumer mobile app and a peer-to-peer mutual-aid product called Asurisan that pools member contributions for critical illness and death-benefit coverage without a medical exam. Una does not underwrite risk itself; it operates as a licensed insurance broker under Indonesia's OJK through two affiliated entities, PT. National Insurance Brokers and PT. Sinergi Mitratama Proteksi, distributing products underwritten by partner insurers.

Founded in 2018 and headquartered in Jakarta, Una distributes products from insurance partners including Avrist, AXA, Jagadiri, and Star Investama. The company has not disclosed funding rounds or investor names.

Products & Services

Consumer Insurance App (B2C)

A direct-to-consumer mobile app selling individual coverage without going through a partner platform.

Key Features

Life and dual-benefit insurance
Personal accident and critical illness coverage
Hospital cash, travel, motor, and fire insurance

Target Users: Individual consumers in Indonesia

Embedded Insurance API (B2B2C)

A single API integration that lets fintech apps, neobanks, and MSME platforms embed insurance offers into their own products for cross-sell and up-sell.

Key Features

Single API connection for partner platforms
Life and credit life insurance
Personal accident, critical illness, and hospital cash coverage
Travel insurance, including Umrah and Hajj pilgrimage variants
General business insurance

Target Users: Fintech apps, neobanks, and MSME platforms

Corporate Insurance (B2B)

Group and commercial coverage sold directly to corporate clients.

Key Features

Group health insurance for employee benefits
Bank guarantee insurance for commercial risk

Target Users: Corporate and business clients

Asurisan (Peer-to-Peer Mutual Aid Insurance)

A community-based digital product modeled on the Indonesian "gotong royong" mutual-aid tradition, offering critical illness and death-benefit coverage funded by pooled member contributions instead of underwritten premiums.

Key Features

Agent-free enrollment with no prior medical check-up required
Critical illness and death-benefit coverage funded by pooled member contributions
Premiums starting around IDR 50,000
Unused premium balances carry forward between periods

Target Users: Lower-income and informal-sector consumers, including fishermen and farmers

At a Glance

Founded: 2018
Headquarters: Jakarta Barat, Indonesia

Category & Focus

Category: Distribution & Sales
Subcategories: Embedded Insurance Insurance API Platform Peer-to-Peer Insurance
Insurance Verticals: Life & Annuity P&C Personal
Target Customers: Consumers, Employers