Our Ecosystem Approach

We are ecosystem orchestrators. We design, with our ecosystem partners, seamless solutions to engage, educate, prevent and assist at every step of the customer journey. Within the Personal Lines team, our products and solutions are designed around five key consumer ecosystems – Consumption, Health & Wellbeing, Travel, Lifestyle and Mobility. We are responsible for South & Southeast Asia, South Korea and Japan.

Our ecosystems are:

  1. Consumption
     a. Extended Warranty Auto & Non-Auto: Auto including Electric Vehicle, spectacles, hearing aids, browns, whites, electrical appliances, mobile devices (new and used), furniture and luxury items.
     b.  Personal Cyber with prevention and crisis assistance
     c.  Renters / Landlord Insurance: Non-payment of rent and malicious damage
     d.  Internet Outage – Parametric solution

  2. Health & Well-being
     a. Critical Illness (CI): Comprehensive CI, Top 3 CI, specific CI such as Cancer and Diabetes
     b. Hospital Cash Plan

  3. Travel
    a. Comprehensive Travel Proposition, including Emergency Medical Evacuation and Death & Disablement
    b. Travel Inconvenience Benefits
    c. Travel Parametric & Luggage Index

  4. Lifestyle
    a. Personal Accident (PA) – Medical expenses, lifestyle and configurable add-ons (personal liability, renewal bonus, etc.)
    b. Shopping – Purchase & price protection, non-delivery of goods, wallet guard
    c. Sports – Professional sports, prize indemnification, gym/member coverage
    d. Loan Protection – credit outstanding / disability, involuntary loss of employment
    e. Food Poisoning – Target segment: Food delivery platforms
    f. School Protection & Student PA
    g. Consumer cancellation Insurance – Wedding, Hotel & Ticketed Events
    h. Affinity membership schemes

  5. Mobility
    a. Motor Insurance Add Ons – Personal belongings, special perils, good driver insurance, satisfaction guarantee, tire & rim, scratch & dent
    b. Guaranteed Asset Protection (GAP) Insurance – Financial GAP, Return-to-Invoice (RTI), New Vehicle Replacement (NVR) & Residual Value Insurance (RVI)
    c. Digital Roadside Assistance
    d. Telematics and Fleet risk solutions


Contact Us

Muhammad Firdaus Kasman
Head of Consumption, Accident & Health Ecosystem
Geoffrey Ng
Head of Mobility Ecosystem