Insurance Commission licensed companies

CARD Pioneer Microinsurance Inc. (CPMI) is one of the Philippines' first non-life microinsurance companies, established in 2013 as a joint venture between CARD MRI (Center for Agriculture and Rural Development, Mutually Reinforcing Institutions) and Pioneer Insurance. CPMI designs affordable, pro-poor microinsurance covering calamity, agriculture, personal accident and income-loss risks for underserved Filipino families, farmers and microentrepreneurs. Distributed through CARD MRI's nationwide microfinance network, its model is cited globally by CGAP and the ILO as a financial-inclusion benchmark.

2013 · Makati City, Metro Manila · Private

Humanizing Insurance

Etiqa Philippines (Etiqa Life and General Assurance Philippines, Inc.) is a composite life and general insurer and the Philippine arm of Malaysia's Etiqa, part of the Maybank group. Known for a digital-first, insurtech-driven approach, it distributes affordable embedded micro-insurance through GCash (GInsure phone protection), Shopee and Lazada via a partnership with insurtech Igloo — generating roughly 7 million gadget-protection policies on Shopee in 2022. Products span life, health, gadget, travel, motor and group insurance. Formerly AsianLife (founded 1958), it was acquired by Maybank in 2015 and rebranded Etiqa in 2019.

1958 · Makati City · Private

Celebrate living

FWD Life Insurance Corporation is a digital-first life insurer that launched in the Philippines in 2014, among the first licensed under the modernized Insurance Code. Part of pan-Asian FWD Group (founded by Richard Li's Pacific Century Group), it pairs protection, savings, and investment-linked plans with a digital-first experience — the all-in-one Omne by FWD app, online buying journeys, and distribution through partners including GCash. With premium income of about PHP 39.85 billion in 2024, FWD ranks among the Philippines' top three life insurers, built on its 'Celebrate living' brand promise.

2014 · Taguig City, Philippines · Public

Hive Health is a tech-enabled HMO offering hassle-free, comprehensive health plans tailor-made for small and medium enterprises and growing companies in the Philippines, covering outpatient, inpatient, emergency and dental care. Care is delivered through its IC-licensed subsidiary Health Plans Philippines, Inc. (HPPI), an HMO operating since 1986 with a network of 1,700+ hospitals and clinics. Founded in 2021 (Y Combinator S21) and backed by Gentree Fund, BEENEXT, Amasia and Y Combinator, Hive Health raised a US$6.5M Pre-Series A in 2024.

2021 · Pasig City, Metro Manila · Seed

Digital insurance and HMO coverage for Filipinos and small businesses

Kwik.insure (Kwiktech Insurance Brokerage, Inc.) is a Philippine insurtech founded in 2020 by Hamilton Angluben. It launched an online insurance marketplace in March 2021 offering 100+ life and non-life products from local insurers, then narrowed its focus to affordable HMO and health coverage under its KwikCare brand. KwikCare plans, underwritten by PhilhealthCare, Inc., start at PHP 995/month for inpatient, outpatient and emergency cover, targeting MSMEs, freelancers and the underserved. Kwik.insure is a licensed insurance broker regulated by the Insurance Commission and is backed by Village Capital and RISE.

2020 · Taguig, Metro Manila · Seed

Insurance made easy.

Oona Insurance Philippines (legally Oona Insular Insurance Corporation, formerly MAPFRE Insular Insurance Corporation) is a digital-first non-life insurer offering motor, CTPL, property, personal accident, health, critical illness, travel, flight-delay, OFW and business insurance. It traces its roots to 1934 and rebranded to Oona on 1 April 2023 after Warburg Pincus established the regional Oona group and acquired the business. Headquartered in Muntinlupa City, it is regulated by the Insurance Commission and is part of Oona's Southeast Asia platform.

1934 · Muntinlupa City, Metro Manila · Private

Making insurance accessible to all Filipinos

RuralNet, Inc. is a Cebu-based insurtech operating the Philippines' first fully digital, API-driven platform for insurance distribution and claims management. It partners with provincial financial institutions (rural banks, cooperatives and microfinance lenders) to deliver affordable health, accident, life and micro-insurance to underserved Filipinos and SMEs, and runs an SME insurance portal through its wholly-owned, Insurance Commission-licensed brokerage subsidiary, CashKO. RuralNet works with about 25 partner institutions serving roughly 2 million Filipinos. It raised a US$2.15M seed round led by Kickstart Ventures in October 2023.

2019 · Cebu City, Philippines · Seed

A better way to financial independence

Singlife Philippines is a mobile-first digital life insurer offering affordable, on-demand protection and investment products bought and managed via smartphone. Products span life, accident, health, investment-linked and funeral cover, distributed through the Singlife Plan & Protect app, GInsure on GCash, and the UNO Digital Bank app. It reported nearly one million policies in force by 2024 and grew its customer base 23% in 2025. A greenfield insurer launched in 2020 (no legacy-insurer lineage), it is a subsidiary of Singapore Life Holdings (Singlife), itself wholly owned by Japan's Sumitomo Life since 2024.

2020 · Taguig City · Private