Source: https://fintech.ph/listing/ruralnet

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# RuralNet

Making insurance accessible to all Filipinos

[Insurance](https://fintech.ph/category/insurance) [Financial Inclusion](https://fintech.ph/category/financial-inclusion) [Fintech Infrastructure](https://fintech.ph/category/fintech-infrastructure)

[Visit website](https://ruralnet.ph/)

- **Founded**: 2019
- **Headquarters**: Cebu City, Philippines
- **Stage**: Seed
- **Total raised**: ₱122M. From recorded rounds
- **Licences**: 2. SEC, IC

## Overview

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.

### Mission

To make insurance accessible to every Filipino, especially in rural and underserved communities.

### Products

- Digital insurance distribution platform
- Claims management platform
- CashKO (insurance brokerage / SME portal)
- Microinsurance solutions

### Serves

Rural banks Cooperatives Microfinance institutions

## Funding and ownership

Total raised

₱122M

Sum of recorded funding rounds

Stage

Seed

### Investors and shareholders

Kickstart Ventures Foxmont Capital Partners Gentree Fund Kaya Founders

Figures are calculated from the funding rounds recorded for this company.

## People

- Justin Arcenas Founder & CEO

## Licences and certifications

- SEC-registered corporation
- [Insurance Commission-licensed brokerage via subsidiary CashKO](https://fintech.ph/licence/insurance)
- National Privacy Commission-registered Certification
- Data Privacy Act compliant Certification

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[ruralnet.ph](https://ruralnet.ph/)

- [facebook](https://www.facebook.com/ruralnet.ph/)

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[More in Insurance](https://fintech.ph/category/insurance)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/ruralnet when citing this page.