WowPremi

Digital insurance marketplace letting Indonesian consumers buy policies in minutes via a mobile app.

Distribution & Sales Startup Bootstrapped

Overview

WowPremi is a digital insurance brokerage serving individual consumers in Indonesia, operating a mobile app (iOS and Android) and website that let users compare and buy policies without the paperwork or in-person survey typical of traditional purchase. The platform is run by PT. Dritama Brokerindo, an OJK-licensed insurance broker operating since 2002, which supplies WowPremi's underwriting and distribution relationships with more than 20 Indonesian insurance carriers.

The company covers motor vehicle, health, life, travel, and personal accident lines through a single Jakarta-based office, distributing policies from its carrier partners rather than underwriting risk itself. Public sources put its founding in 2017, while contemporaneous Indonesian press (SWA, Kompas, MIX Marcomm) covered the consumer app's public launch on 2019-04-02 -- both dates are carried here since the record does not resolve whether 2017 marks incorporation or an earlier private build.

On the technology side, the app replaces physical surveys with photo-based underwriting, issues e-policies in minutes, and processes payments automatically through the Midtrans gateway across major Indonesian banks (BCA, Mandiri, BRI, BNI, Permata). It also includes an in-app claims assistant and a nearest-workshop finder for auto claims. 2019-era Indonesian press framed WowPremi as one of the country's first insurtech platforms; no news coverage was found from 2020 onward.

Products & Services

WowPremi Mobile App

Consumer-facing mobile app and website for comparing and buying insurance policies across multiple lines in minutes, backed by carrier relationships held through parent broker PT. Dritama Brokerindo.

Key Features

Multiple insurance categories from partner carriers available in one app
Photo-based underwriting in place of a physical survey
Side-by-side plan comparison across partner products
Instant e-policy issuance
Automated payment processing via the Midtrans gateway (BCA, Mandiri, BRI, BNI, Permata)
Nearest-workshop finder for auto insurance claims
In-app claims assistant / chat support

Target Users: Individual consumers in Indonesia buying motor, health, life, travel, or personal accident coverage