Insurnao
A licensed insurance agency performing brokerage services (VSIC 6622), powered by AI, for Vietnam: travel, health, vehicle and property insurance.
Needs analysis, cross-carrier comparison, the carrier's own application form and e-signature in one bilingual journey, guided by Iris, an AI assistant that explains cover in plain language, cites its sources and never sets a price.
insurnao.ai · Soft launch since 9 Nov 2026 · Official launch date to be announced
This is the public overview of Insurnao. The product source code is private.
Why Insurnao
The problem. Buying insurance in Vietnam is still a paper-and-PDF exercise. Plans are spread across carrier brochures, benefit schedules and policy wordings in mixed languages; international plans are priced in USD; applications are carrier-specific forms that customers fill in by hand and sign in ink. Comparing like for like across carriers is slow, and plain-language advice is hard to find at the moment of decision.
What Insurnao does. One guided journey: a short needs analysis, a ranked comparison of real plans from established carriers, and the carrier's own application form prefilled from the customer's answers, checked, e-signed and handed to the carrier. Iris answers questions along the way, in English or Vietnamese, with citations to the carrier's own documents.
Why it is defensible.
| Advantage | What it means in practice |
|---|
| AI where it helps, determinism where it matters | Iris explains, retrieves and cites. A deterministic engine produces every price and every recommendation, with a recorded decision log. The model never gets the final say. |
| Agency model | Insurnao is a licensed insurance agency performing brokerage services (VSIC 6622). Carriers underwrite, price and bind; Insurnao carries no underwriting risk and focuses on distribution, advice and service. |
| Data residency by design | The full platform runs on GreenNode (VNG Cloud) in Ho Chi Minh City. Personal data is stored and processed in Vietnam, aligned with the Personal Data Protection Law (Law 91/2025/QH15) and Decree 356/2025. |
| Carrier data as an asset | Rates and benefits are transcribed verbatim from dated carrier documents and verified against carriers' own calculators. Adding a carrier is data work, not a rewrite. |
| A learning loop that stays in Vietnam | First-party, consent-based analytics record what was recommended and what customers chose, building the training data for an ML recommender without any third-party analytics service. |
Product
| Line of business | Status | Carriers |
|---|
| Travel | Live: quote, compare, apply, e-sign, track (single trip and annual, domestic and international) | PVI, BIC, PTI, PJICO, Chubb, Pacific Cross International |
| Health | Live: quote, compare, apply, e-sign, track (international and local plans, individuals and families) | Pacific Cross International, Allianz Care, April (via PVI), Chubb, PVI, BIC, PTI, PJICO |
| Vehicle | Live since 5 Nov 2026: compulsory third-party liability, car damage and motorbike cover | PVI, BIC, PTI, PJICO, Chubb |
| Property | Live since 5 Nov 2026: home and landlord cover | PJICO, PVI, Chubb |
Chubb was formerly Liberty in Vietnam. Not every carrier offers every product; plans we cannot yet price exactly are never quoted from a guess, and the team helps instead.
Every line follows the same journey: needs analysis, side-by-side comparison, the carrier's own application prefilled from the customer's answers, signing, team review before anything reaches the carrier, and case tracking. Health asks for more (insured persons, medical declarations), and vehicle and property ask about the car, motorbike or home, so their applications have more steps. Where a carrier's form is not yet available for online self-service, the Insurnao team completes the application with the customer.
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