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Updated by jasonchia on Jan 05, 2016
Headline for Which Insurance (保険) Technology Categories Are Seeing the Most Innovation?
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Which Insurance (保険) Technology Categories Are Seeing the Most Innovation?

New technology is changing the game for the entire insurance ecosystem. Quicker, more seamless data integration is changing the insurance process, from the way consumers research and purchase insurance to how claims are underwritten. As a result, companies large and small are sprinting to keep up with the demand for agile and integrated technology platforms that can harness this growing data volume and extract real value from it.


Policy Genius

Insurance is important. You can't just wing it. PolicyGenius makes it easy to get all your insurance done with simple online tools and expert help.

Metromile: Pay-per-mile insurance

Metromile is revolutionizing car ownership with pay-per-mile insurance and a smart driving app. If you aren't driving much, you shouldn't be paying much.




Trov is an application and digital insurance platform that together reinvent the way people insure their things by harnessing the information about all they ow

Oscar | Smart, simple health insurance.

We're using technology to simplify the entire health insurance experience. You can use our app to talk to a doctor and get prescriptions without ever leaving home. Keep track of your health history with a timeline and earn rewards for staying active with a free Misfit step tracker.

The Zebra

Let's switch to our mobile site so that we can fit your screen size... Insurance in black & white.® Your information is secure. Compare Real Quotes The Zebra compares quotes from over 200 trusted insurance companies at once - more than 24x your average insurance agent.


Friendsurance offers household, personal-liability and legal-expenses insurance. Large claims are still covered by normal insurers, with whom the firm has partnerships. But the costs of smaller claims, which would normally be paid by a policyholder as part of a “deductible” amount, are shared within a small circle of friends, who can either sign up as a group or hook up on the site. Part of their premiums are set aside to settle these small claims.

Founder Shield: Insurance for Startups.

Founder Shield is a boutique commercial insurance brokerage that takes the stress out of getting insurance for venture-backed startups. We currently work with almost a thousand startups across the country (and a few across the pond!) backed by the leading VCs and accelerators in NYC, San Francisco, Chicago, Boston, Texas and more. We offer the full suite of commercial insurance products needed for when companies close their Series A round, land their first big customer, or sign the lease to their new office.

Bought By Many - Insurance Made Social

Take start-up firm Bought By Many, which helps people club together to buy insurance. Bought By Many brings together large groups of people with common needs online and then negotiates group discounts with insurers on their behalf.




The Bolt Platform is being used to facilitate a select group of initial carriers that will use the the Platform to participate with the Google Compare program for auto insurance.

Beam Toothbrush - The Smarter Way to Brush

You don’t really need an Internet-connected toothbrush. Sure, it may be fun sifting through all the data it collects about how often you clean your teeth. But there’s no reason for the average person to pay extra for it. It’s purely a luxury.But to a dental insurance company, giving connected toothbrushes to policy holders makes all the sense in the world. Knowing that your policyholders brush their teeth on the regular means they are less likely to develop cavities and other issues associated with high claims. The insurer might even be able to promote more brushing or even flossing using incentives from the app associated with the connected toothbrush.

Clover Health

Clover Health, an insurance startup based out of San Francisco, is hoping that with its data-driven approach it can rebuild healthcare for senior citizens from the ground up.

It wants that by tracking all the inputs of a person’s medical history from insurance claims and determining who the highest-risk patients are. Clover Health then works with those patients to help them become healthier and improve overall clinical outcomes. To pull that off, the company has raised $100 million in an equity round led by First Round Capital and debt.


Lemonade enables people to combine commerce and community in the digital neighbourhood of their personal online spaces.

What the CEO says:“Most Americans view insurance as a necessary evil rather than a social good, and that’s something we’d like to change,” said Daniel Schreiber, Lemonade’s CEO. "What makes this exciting is that it requires reinventing the very structure and business model of insurance in ways not available to the legacy insurance carriers.

Guevara - People-to-people car insurance

Guevara is a whole new way to think about car insurance. It lets you pool your premiums online to save money. Unlike traditional insurance any money left in the pool at the end of the year stays with the group and lowers everyone's price next year.

"Guevara users club together, share the risk and cut out the middleman. The group insure themselves," explained Guevara founder Kim Miller,




Oration, the big-data startup, focused on building a completely transparent healthcare financing system, promises a value-added service to all those large organizations that are agreeable to self-insuring their employees.

Gravie: Health Insurance Plans for Individuals and Families

Not only does Gravie help users shop around for the proper insurance plan, it helps them understand all the details of that plan, from coverage options to the organization of bills and statements, to dealing with denied claims, etc. All of this, in the end, to help people understand which option is better for them in the long-run. Gravie is of the belief that users on an employer-sponsored plan will be better off in the individual market. The company makes money by taking a commission off of each sale through its website