Insurance for the New Possible

Insurance for the New Possible was joined by Ron Tam, Co-Chief Financial Officer and Head of International at Huize and Shruti Sharma, Global Partnerships Manager, Chubb.Some of the insights they shared included:- Technology cycles may be accelerating, but the bedrock of insurance still rests on trust.- Modern insurance distribution wins by helping both sides meet in the middle, with content, data, and journeys that reduce friction and improve buying decisions.- Huize’s 2018 breakthrough in was building a KOL-led distribution model with a twist. The most effective “creators” aren’t performers; they’re credible domain experts.- Products should be treated like software. Iterate, version, and personalize.- Insurance literacy is not credible if it’s one-sided. It works when insurers, distributors, regulators, and KOLs teach together.

Insurance for the New Possible was joined by Stefan Möller, CEO and Founder of Klar, and Alejandra Magaña, Director of Revenue Growth, Digital Transformation and Distribution Channels at Chubb.Some of the insights they shared included:- With six banks dominating the Mexican market, there is little competitive pressure for incumbents to offer attractive products to underserved populations. Without new entrants driven by different incentives, financial exclusion persists.- Even among the banked, many Mexicans are unaware of what returns they could earn on deposits. For Klar, improving literacy is not just a service; it is core to the mission of getting people into the formal financial system with clear, tangible benefits.- Financial inclusion without insurance leaves people vulnerable to unexpected life events—job loss, illness, or death. Lack of protection exacerbates economic instability, especially for underserved families.- Deep local roots in Mexico enable better technology development and more efficient decision making. This benefits Mexicans in a way that strictly foreign players eneritng the Mexican market cannot accomplish.- Innovation isn’t just about technology—it’s about improving customer experience, building trust, and delivering clarity. Whether it’s simplifying policy language to be understood in 60 seconds or developing AI-powered financial guidance, the goal is to be present, fast, and relevant in customers’ lives.

Insurance for the New Possible was joined by Adrian Davis, Commercial Leader: Financial Services, Insurance and Enterprise Financial Products at Adyen, and Sebastian de Zulueta, Head of Digital Business, EMEA at Chubb.Some of the insights they shared included:- Payments are the gateway to capital movement through an insurer and play a pivotal role in customer acquisition. Payments aren’t just operational—they are strategic levers for growth and retention.- Digital-native consumers don’t benchmark insurers against one another—they compare them to platforms like Amazon or Netflix. The expectation is instant, seamless, and intuitive service.- Optimized and innovative payment functionality can help fight fraud and reduce costs.- While many envision AI personalizing consumer-facing insurance experiences, Adrian noted the most immediate impact today is behind the scenes: claims assessment, fraud detection, and process automation.- The conversation highlighted the insurance gap among SMBs and digital-first entrepreneurs, from Shopify sellers to independent online creators. Platforms that already serve SMBs could become powerful distribution channels for embedded insurance.

Insurance for the New Possible was joined by Garrett Olson, Head of Insurance and ERM at Wolt, and Sebastian de Zulueta, Head of Digital Business, EMEA at Chubb.Some of the insights they shared included:- Online malls are the new civic space—and they require digital integrity. These platforms, intermediated by code, must establish rules, norms, and enforcement mechanisms just like physical spaces.- Trust online should mirror real-world signals—but at a technological level. In a physical mall, people intuitively scan others, read social cues, and rely on physical presence for trust. Online, this becomes a technological challenge. Platforms must recreate this trust using data signals.- Insurance needs to be where people work, live, and play. By embedding protection into these everyday categories, users don’t have to seek coverage—they just receive it as part of the value they’re already creating on the platform.- Gig workers currently operate with massive risk—and little protection. From couriers to freelancers, platform workers face daily operational, personal, and reputational risks and W0lt and Chubb are working hard to fix this.- To make insurance invisible and automatic, platforms need precise data triggers—moments when insurance should start or pay out. This includes real-time events like delivery delays, missed gigs, or customer disputes.

Insurance for the New Possible was joined by Ser Yang, Insurance Solution Lead at ByteDance, and Michael McLeod, Senior Manager, Consumer Partnerships, Asia Pacific at Chubb.Some of the insights they shared included:- Insurance can’t rely on claims alone to demonstrate value. The industry needs to make the value of insurance more visible throughout the customer lifecycle. - Embedded insurance works best when it doesn’t look like insurance. The sweet spot lies in designing synergistic insurance experiences that blend into a partner’s ecosystem. Think less about selling insurance directly, and more about solving contextual problems.- Micro-engagements create macro-trust. The real opportunity is in riding the existing engagement rails of digital platforms — from shopping to content to financial planning tools.- Digital platforms offer rich, intent-driven signals for insurance. Intent is the new targeting and digital platforms create powerful conversion funnels.- Livestreaming could be the new digital salesforce. Live commerce is already massive in Asia, and it’s merging entertainment and transactions in real time. This model works because of engagement, two-way interaction, and urgency.- “Do Right by the Customer” is the guiding principle. In a world of personalization, embedded experiences, and digital trust, the brands that win will be those who prioritize customer value.

Join us to discuss how data, empathy, and collaboration are reshaping financial ecosystems in Asia, with Trina Yeung, Chief Financial Officer at Atome Financial.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss why some PropTech models fail, how AI boosts operational efficiency, and where insurance fits into million-dollar property decisions, with Costa Savva, Co-Founding Partner at Lazudi.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how DANA is using embedded finance and education to reach Indonesia’s underserved populations, with Dean Krstevski, Chief Operating Officer at DANA.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss about building trust, activating data partnerships, and transforming how insurance gets delivered and personalized, with Richard Bracken, Regional Head of Consumer Partnerships, APAC at Chubb.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how embedded insurance can offer real-time, contextual protection and peace of mind, with Om Bhatia, Head of Digital, APAC at Chubb.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how Revolut builds trust through transparency, localizes learning, embeds protection into everyday services, and leverages data and AI to deliver personalized experiences in over 40 countries, with Ashley Thomas, Head of Strategy & Operations at Revolut.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how KBank embraced mobile banking early, why UX is the new battleground, and how digital insurance is emerging as a key growth area, with Chetaphan (Joe) Siridanupath, Managing Director, Kasikorn Business-Technology Group.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how empathy, trust, and radical authenticity are redefining how we think about financial services, with Jonas Eichhorst, Chief Executive Officer at Timo Vietnam. This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how Rabbit Care’s evolution is redefining how consumers engage with insurance in Thailand, with Chayapat Sakulrompochai (James), Co-Founder & CCO at Rabbit Care.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how financial services can drive inclusion and impact, from kiosk-based onboarding in grocery stores to remittance and loyalty programs, with Rachel Freeman, Chief Growth Officer at Tyme.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how user trust, micro-loans, and a digital-first mindset are reshaping financial services, with Chi Lê Lan, CEO at Zalopay.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how infrastructure, regulation, and venture capital are converging to drive impact and returns, with Ganesh Rengaswamy, Co-founder and Managing Partner at Quona Capital.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how consumer trust is evolving in the digital used car space, with Digbijoy Joseph Shukla, CEO at iCar Asia & Wapcar-Autofun.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how legal teams are becoming essential architects of innovation in embedded insurance, with Maria Agustin, FinTech Principal Counsel at Agoda.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com

Join us to discuss how insurers in Thailand are evolving beyond mobile apps into holistic ecosystems that empower both customers and agents, with Chulayuth (Tan) Lochotinan, Head of Thailand at CAPCO.This special episode was recorded during the Money20/20 Asia in Bangkok 2025.Learn more: https://insuranceforthenewpossible.com