Igloo押注东南亚保险公司将嵌入式保险外包；促成16亿份保单，融资1亿美元

做的是什么生意

Igloo is a Singapore-headquartered full-stack insurtech: it designs, prices and distributes micro-insurance (device, travel, e-commerce, weather-index, health) through partner platforms, and sells digital tools to insurers.

启动资金：US$100M+ total: US$8.2M Series A (2020), Series B extended to US$46M (Nov 2022), US$36M Pre-Series C led by Eurazeo with BNP Paribas Cardif backing (Dec 2023), plus follow-on funding.

起因

Igloo began in 2016 as Axinan, founded by former Grab CTO Wei Zhu with Raunak Mehta after studying how slow and clunky insurance development was. It pivoted to a B2B2C insurtech that lets platforms and insurers launch products in days, raised an US$8.2M Series A in 2020, and grew by embedding insurance into telcos, e-commerce and banks across Southeast Asia.

经过

By late 2023 Igloo had facilitated 500M+ policies, built 75+ partnerships across six markets, and launched Ignite, a sales-intermediary productivity platform with 22,000+ agent partners in Vietnam and Indonesia. Eurazeo led a US$36M Pre-Series C in December 2023 at a 50% higher valuation, taking total funding to US$100M, and the company added intermediary licenses across SEA plus a blockchain-based weather-index product covering 20,000 hectares of farms.

结果

Still scaling and consolidating: by June 2026 Igloo had facilitated 1.6B policies and processed 100M+ monthly across six markets, acquired Eazy Digital (its second major Thailand transaction in 12 months after a 2025 joint venture with JMT Network Services to build a digital insurer), and was adding AI-driven automation.

可借鉴之处

B2B2C平台可以在直接面向消费者的保险无法盈利的分销中获利：Igloo通过拥有客户的合作伙伴销售嵌入式产品，从5亿份保单增长到16亿份。