Qoala
Indonesia's largest insurtech platform for embedding and distributing insurance across SEA
Qoala is an embedded insurtech platform best for SEA e-commerce, fintech, and travel platforms that want to add product protection, travel, or health coverage to existing customer journeys via API. Its multi-country footprint across Indonesia, Malaysia, Thailand, and Vietnam, plus a revenue-share model with no upfront cost, makes it one of the few embedded insurance distributors with real regional underwriting depth. It is not a replacement for a primary insurer relationship and the API integration still requires engineering work.
- ✓Revenue-share pricing means no upfront cost for platform partners
- ✓Native operations across Indonesia, Malaysia, Thailand, and Vietnam in one API
- ✓Automated digital claims with settlement under 3 business days
- ✓Covers travel, gadget, health, and cargo categories from one stack
- ✓Backed by PayPal Ventures and MassMutual Ventures with 9M+ policies processed
- ×B2B2C only, so it is not a fit for end-consumers buying insurance directly
- ×API integration still requires engineering time despite the templates
- ×No published pricing makes early comparison work harder for procurement
- ×Coverage outside Indonesia, Malaysia, Thailand, and Vietnam is limited
About Qoala
Qoala is a Jakarta-headquartered insurtech platform that lets e-commerce marketplaces, fintech apps, and banks embed insurance products directly into their customer journeys. Its B2B2C API stack supports travel, gadget, health, and product protection insurance with instant issuance and automated claims. With operations across Indonesia, Malaysia, Thailand, and Vietnam, Qoala has processed over 9 million insurance policies and is backed by PayPal Ventures and MassMutual Ventures.
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The questions operators actually ask.
Can Qoala be used by individual consumers to buy insurance?
No. Qoala is B2B2C and distributes through platform partners such as e-commerce marketplaces, fintech apps, and travel platforms. Consumers encounter Qoala policies as add-ons during a partner checkout flow, not on a direct site.
Does Qoala work for Thai e-commerce sellers?
Yes. Qoala operates in Thailand alongside Indonesia, Malaysia, and Vietnam, and supports embedded product protection at checkout. It depends on whether the seller has the engineering capacity to integrate the API or sits inside a partner marketplace that already runs Qoala.
Is Qoala a licensed insurer?
No, Qoala is an insurtech distribution and tech layer rather than the underwriter on the paper. It partners with regulated insurers in each country to issue policies and processes claims through its dashboard.
How fast does Qoala settle claims?
Qoala claims automated digital settlement averaging under 3 business days based on its existing features list. Complex claims involving large losses or fraud checks can take longer depending on the underwriter.