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Insurance Startup Ideas

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A startup that makes it easier for employees to access corporate benefits like insurance, vacation, and retirement plan.

1,682

A company that helps people figure out what kind of insurance they need, and then helps them find the best and cheapest way to get it. The startup says they’ve already gotten good feedback from people who have used their site.

749

A startup that wants to sell insurance to people who own property, and who want to protect it in the event of a fire. The startup has already built a platform for homeowners to claim their coverage, but needs to raise $5 million to build out a back-end system and additional products.

163

A decentralized insurance marketplace for global insurance.

139

A startup that helps small businesses with their insurance needs. The startup is built on the backbone of a large insurance company and offers an online platform to protect small businesses from cyber risks and cyber thefts.

124

A small business insurance company.

121

A startup that wants to simplify the process of buying insurance, allowing people to compare prices, read reviews and buy with a few clicks online.

117

 A live-chat service for health insurance.

116

A startup that makes the process of filling out Medicare Part D plans less painful. The platform helps people fill out their plans online, and acts as a sort of health insurance broker for people seeking Medicare coverage. The startup says their customers save an average of $50 per month.

115

A startup that helps small businesses take advantage of a new type of insurance: self-funded insurance.

113

This startup wants to help users find the best insurance rates from multiple providers.

106

A New York-based startup that’s building a tool for health insurance companies to streamline claims processing and increase speed for submitting claims.

106

A startup that provides homeowners with discounted rates for insurance and home repairs.

105

A SaaS company that offers a platform for managing employee benefits. It provides a software dashboard for insurance providers to compare health plans and find the best benefits to offer without having to communicate directly with consumers.

96

A startup that helps you save money on your health insurance, offering deals and discounts on a per-period basis.

95

A B2B platform company that helps healthcare and insurance companies gather and use patient data to improve care, manage costs, and reduce waste.

93

Idea: a marketplace for insurance tailored for people that have been denied coverage by traditional companies

92

This is a startup that makes it easier for people to understand that their health insurance isn’t covering the entirety of their medical expenses.

92

A startup that helps insurance companies manage their customer accounts and claims. Founded in May.

89

A B2B SaaS that helps insurance companies track and manage their risk.

87

A technology company that helps insurance companies manage claims, follow up with patients and reduce fraud.

87

A startup to help people manage their finances, including budgeting, investing, and insurance.

86

A digital insurance company that enables companies to offer health plans. It’s currently working with both employers and individuals.

85

A student health-care startup that offers a free student health-insurance plan to individual students, that covers co-pays and deductibles but doesn’t cover in-network hospital visits.

85

A startup that makes it easier to track medical bills, insurance claims, and other healthcare-related expenses.

85

Health insurance is so complicated that people often prefer to just pay the tax penalty and ignore it. This startup wants to make health insurance easy, with an automated system encouraging people to enroll and take advantage of the tax savings.

84

 A SaaS platform that uses machine learning to optimize lead generation. The startup’s customers include Monster Worldwide, the world’s largest job site, and the US’s largest insurance company.

84

A B2B company that helps insurance companies ensure they’re offering the best possible coverage to their customers.

83

This startup, which was founded in March, aims to make it easier to get and pay for health insurance. The startup’s goal is to save the US family health insurance market $300 billion.

83

A company that wants to make it easy to find high-quality, cheap health insurance to fill a gap in the market

83

This startup is building a marketplace for health insurance plans, allowing people to search and compare plans.

83

A health tech company that helps low-income families manage their health insurance.

83

A company that helps companies buy the most cost-effective insurance coverage for their employees as a group.

82

A startup that’s building a mobile app that makes it easier for people to take photos of their pets for pet insurance.

82

Services for the insurance industry, like a SaaS tool to help insurance companies automate claims processes.

81

A B2B company that provides insurance services for insurance agents.

79

A self-serve platform for saving money on auto insurance or just comparing rates, which they say is “faster, cheaper, and more comprehensive then any other website”. They currently have $2.5 million in monthly recurring revenue and are looking to launch in Miami and Atlanta.

77

A startup to help businesses work with their insurance providers to ensure their employees are protected.

76

A platform that integrates health insurance and health care data to connect patients with doctors.

76

If you want a car, the first thing you do is call your insurance company, and then you call your bank. The startup wants to automate this process and allow users to pay for their car insurance online with their bank account. It’s already working with AAA.

76

A web-based business that helps companies with a range of issues, including risk management, HR, and health and safety. The company uses AI and machine learning to make sense of insurance claims data.

75

A peer-to-peer insurance startup that wants to help people get out of debt.

75

A startup that helps people sell a portion of their lifespans to pay for medical expenses. The company wants to make medical insurance more like life insurance.

75

A startup that helps employers manage their payroll, benefits, and insurance electronically, with a set of tools that include a software-as-a-service (SaaS) platform, an API, virtual and in-person support.

74

A global insurance company that helps people buy and insures their homes via a mobile app. The startup is looking to operate in 30 countries.

74

A startup that is building a data engine to help workers manage their health insurance.

74

 A company that helps employers and employees manage insurance plans. Their software allows the employer to manage a healthcare plan in a more centralized manner with less paperwork, and provides employees with a more affordable option to access healthcare.

74

A micro-insurance company that insures the risk of non-payment for vendors and freelancers.

74

A startup that helps small business owners get started in the insurance market. By creating a simple contract, it allows small startups to get a quote for insurance and get coverage within a few days.

72

A startup for insurance products. The startup works directly with insurance companies, helping companies get quotes and make money on the deal.

72

A startup that helps companies “reduce the time it takes to receive a quote from an insurance company” by connecting them directly to carriers and streamlining the process in a way that’s automated and simple.

72

A startup that wants to improve the way you pay for car insurance, by eliminating the agent and cutting out a lot of the muss and fuss.

72

Travel insurance for on-demand ride-sharing

71

A health insurance product that allows people to pay monthly premiums for a low deductible, and then cover the rest.

70

A $100 million startup that works with “large group of healthcare providers” to offer direct-to-consumer health insurance.

70

A platform for streamlining the process of managing rental properties, meant to save landlords money on things like insurance and repair work.

70

A company that helps people in the US get discounts, gifts, and discounts on their prescriptions. It’s currently for people with high-deductible insurance plans.

70

A do-it-yourself insurance company for self-employed people. The company, which launched a year ago, is using tech to help people underwrite their own risks.

70

A health insurance provider that uses AI to help people apply for health insurance.

70

A system that helps dealerships and dealers manage cars. The company says they want to be the company that helps dealers manage cars and insurance.

69

A company that provides a way for users to access health insurance across all markets for a month. The startup is expanding to the US.

69

A health insurance startup that helps employers and employees manage their health insurance plans, with the flexibility to set their own policies.

69

A software company that helps insurance auto brokers become more profitable by streamlining their claims processes. They’re aiming to reach $2.5 million in revenue in the first year.

69

The startup offers some of the lowest-cost dental insurance in the United States. It wants to win over the many people with gaps in insurance coverage that many large companies have.

69

A financial app that helps consumers buy insurance through their smartphones and mobile apps.

69

A startup that helps people find the best deal on a car insurance policy. The founders say they’ve already signed up 20,000 users and have been accepted to Y Combinator.

68

A company that helps companies market to their employees, allowing them to get the benefits of a health insurance program without an employer having to pay for it.

68

An insurance startup that gives small businesses a way to buy insurance without the help of an agent.

68

A startup that wants to make your money work for you, without having to do the work yourself. The company’s first product is a small device that makes it easier for people to open their credit card accounts, and has plans to expand to other financial products like insurance.

68

A startup that wants to help people sign up for and manage their health insurance through their phone. The startup recently raised $1.5 million in seed funding from NY Health Investment Funds.

68

An insurance-focused startup that collects data from drivers using their Android phones and then uses the data to sell insurance to them. It’s an insurance company that doesn’t actually write the policies.

68

A company that takes a subscription-based model for health insurance, and looks to make it as affordable as possible. The startup is also looking to launch in January.

67

 This startup uses AI to detect insurance fraud and fraudulently- or improperly-claimed benefits. It offers a risk score and recommendations that help agents and customers decide on policies.

67

An “intelligent” health insurance plan that helps people spend their money more efficiently.

67

A $1 billion startup that sells customized health insurance plans for startups and entrepreneurs.

67

In the past, a person could get insurance through a company and then write off the cost of that insurance. With the advent of the individual market, many companies are no longer offering insurance because the rate they would have to charge is too low.

67

A microinsurance startup that serves older Americans looking to make sure they don’t spend money on medical expenses they can’t afford.

67

This startup uses AI to detect insurance fraud and

66

A product that helps people track their health and insurance claims in one place.

66

This startup wants to be the one-stop shop for insurance and retirement plans for startups and freelancers.

65

A B2B fintech startup that helps insurance companies price policy coverage, applying machine learning and artificial intelligence to their data.

65

A digital insurance platform that allows consumers to manage insurance policies online.

65

A venture that is building a platform for managing insurance claims across the United States.

65

A startup that wants to help banks and insurance companies manage risk by helping them to get more customers.

65

A network for home insurance agents that helps them find customers and get them claims faster

64

A digital health startup working with the health insurance industry. They’ve been doing R&D in Canada for a year and have a healthy $1.4 million seed round.

64

An insurance company focused on the life-sciences industry. It’s currently starting a pilot in the San Francisco Bay Area.

64

A new way for companies to get the best rates on car insurance.

64

A tool to help users understand the credit and risk of the costs of their insurance plan.

64

A startup that helps small businesses with insurance. They’re working on their first product in the US, called “Bundle”.

64

A small business insurance plan that covers products that have been lost/stolen.

64

A software company that helps financial advisers and insurance carriers streamline the process of dealing with individual clients.

63

This startup wants to be the “Uber for life insurance”, connecting people with insurance companies and giving them a single place to manage all their insurance needs.

63

TeleServ is building a service that helps people track and improve the speed of their insurance claim. The company offers a set of tools that let people track claims, check claims status, and communicate with service reps.

62

A platform to make insurance more affordable and simple for independent agents

62

A micro-insurance company that is beginning to offer healthcare coverage to low-income individuals in the US. Their goal is to reach the uninsured and help them purchase insurance.

62

 A new way of managing insurance claims and claims processing, that aims to reduce fraud and errors.

61

A B2B travel-insurance startup that sells to the travel industry

60

This is a travel-based insurance service that aims to help vacationers abroad claim on health insurance they already have in the US.

60

A B2B company that helps companies manage their insurance policies and costs. The company is currently in the process of raising a new round of funding.

59

The startup is looking to digitize the process of back-office data entry. Based in San Francisco, the startup is currently focused on the insurance industry, though it's looking to expand into the retail and hospitality markets.

59

A health insurance company built for small businesses. It’s a “flexible, affordable, and transparent platform by which businesses can get coverage for in-house doctors and nurses.”

59

A company that’s looking to disrupt the insurance market by providing a platform for users to buy and sell insurance plans across the web, essentially creating the world’s largest market for insurance on the internet.

58

A micro-insurance company for the UK market.

57

“An insurance company for the global freelance economy”

56

A company that provides a way for users to streamline the process of submitting and managing insurance claims.

56

A startup that helps real estate agents with "after-hours" showings The startup wants to grow into a managed marketplace that serves as a broker for all home services, from repairs to insurance

55

A white-label company that sells customer data to insurance companies, but the startup says the data it offers is less than what a company buying data from a broker would pay for. Instead of buying a person’s data from a broker, Vitality starts with a person’s data from 3rd party sources and helps them create a profile.

55

A visual interface for the management of insurance policies.

55

The startup wants to bring order to the insurance claims process by cutting out the paperwork and paying a claims adjuster to handle the paperwork for you.

55

A car insurance company that helps drivers who are blind or visually impaired

54

 This startup wants to disrupt the insurance industry by creating a platform that connects users directly with experts and their claims.

53

A health insurance company that covers “no-care” expenses for patients with chronic illness. Keeps health premiums low by covering expenses like dental and vision, with a background check.

53

A payments company that lets users of services like Stripe and PayPal process recurring payments like car insurance or mortgage payments in a few clicks. It has raised $2.9 million from investors including Y Combinator and is currently in private beta.

53

A tool for managing your personal finance. It’s a one-stop-shop for all your banking and insurance needs, as well as a platform for your investments.

52

A mobile-focused insurance company that focuses on coverages that keep people out of the hospital.

52

A hybrid life insurance company that combines traditional life insurance with a private-sector investment arm.

51

A platform that helps people purchase home insurance and other insurance products

51

A startup that wants to help people get the right kind of insurance in the right kind of policy.

51

A company that wants to help companies track whether they are being targeted for insurance fraud.

50

A startup that helps sales reps in the insurance and banking industries better understand their clients.

49

A global insurance company that aims to help small and mid-size companies in need of insurance solutions. The startup operates in 20 countries and has 2 million customers.

48

A startup that works with the insurance industry to help streamline claims procedures, saving companies from having to send thousands of paper denial letters every year.

48

A platform that helps teams of small businesses find insurance partners.

47

A health insurance startup focused on improving women of color’s health care, specifically in rural areas.

47

 A third-party insurance company that offers $0 monthly premiums to customers who pay in full every month.

46

An online insurance platform that helps people customize their coverage based on their health needs and desired cost.

46

A company that provides vehicle and driver safety solutions. The startup helps people find insurance for their cars by matching them to their driving habits.

46

A company that helps companies sell insurance to UK residents who are not covered by the government.

45

An online payments solution for small businesses in the finance, insurance, and healthcare verticals.

45

A platform that lets employers manage their employees’ health benefits. Their goal is to help employers avoid the pitfalls of health insurance by giving them access to a single platform.

44

A company that helps colleges with their insurance needs

43

A startup that is building a network of independent financial advisors who will work with people to get them the best insurance rates available.

43

A digital library for insurance claims denials that allows users to search by claims date, policy number, and treatment. The app also provides a log of all denials by date and saves a copy of the denial letter for each policy.

43

A profitable startup that provides software for businesses to create and operate their own community-based group insurance plans. It also provides a platform for businesses to track and control their health care costs.

42

A startup that helps people get their car inspected, selling it to insurance companies as an add-on rather than for the full cost of inspection.

42

This startup is building a way to manage insurance claims for auto, home, life, and business insurance.

42

A company that provides “next-generation” insurance solutions to companies with higher liability risks. The company’s approach is a bit atypical, as they say they’re not “selling” insurance, but rather “managing” the risk of the company. The startup says they’re already working with more than a dozen clients with plans to expand to 20 more before the end of 2019.

41

A health care company that makes it easier for patients to manage their health options. The startup has worked with large insurance companies and hospitals to build the platform.

41

A startup using AI to help companies and individuals find the best price for everything from auto insurance to life insurance.

40

A travel health insurance company for the U.S. market, which is trying to cover a profitable market with an under-insured customer base. It’s currently in the UK, and is looking to expand to the US.

40

A micro-insurance product that allows people to buy health insurance for $5 a month to cover catastrophic medical expenses. The startup is looking to build out a network of health centers around the country.

39

This startup is working to make it easier for people to find and buy insurance online. The startup is a relatively quick study that completed YC’s Startup School program in June.

39

A fix for the “gig economy”, offering a comprehensive insurance package for independent workers. Their product is designed for the future and will work for any independent worker, anywhere in the world.

39

A tool for people to search for home insurance, with options for low-income renters and those who have no credit history.

39

A tool for selling and managing your business’ insurance, pitched as an “all inclusive, seamless, and simple insurance brokerage.”

38

A tool for insurance brokers to track which agents have been working together to win new business. The startup is looking to provide “a better ROI for insurance brokers”, by cutting out the middle man.

38

A tool to make choosing a car insurance a little easier. Instead of filling out forms, traditional agents have a choice to make a few basic questions.

37

A platform to help people understand the costs of their health insurance, very similar to the OpenHealth platform.

37

A startup that helps healthcare companies manage their patient records. The company provides software and services to help them make data easier to find. They have already run pilot programs with large insurance companies and hospitals.

36

This startup wants to combine the functions of an insurance broker, a credit broker, and a loan officer into one company.

36

A platform that automates and centralizes the insurance claims process, claiming to reduce costs in the process by up to 30%.

35

 A healthcare platform for middle-income families, providing a healthcare insurance plan with a copay that’s lower than what they normally pay.

35

A platform that lets people shop for health insurance without worrying about whether they’ll sign up for the coverage they want.

35

This app helps users find dentists, find the cheapest prices for insurance, and a host of other financial services.

35

A data-driven way to price insurance.

34

A startup that’s using artificial intelligence and blockchain to build a better way for homeowners to manage their homeowners insurance.

34

A startup that connects home owners with homeowners insurance. The startup has raised $3 million to expand its product to 43 states.

34

 A startup that wants to provide insurance for freelance content creators, giving them a way to secure their gigs against things like blackouts and injury. The company is looking to grow into more than just content creators, proposing to add insurance to other types of industries.

34

A health insurance company that helps you fill out your health insurance application with your answers on a mobile app.

34

A health insurance alternative for young adults. It’s a $1 per month plan that is affordable and has low out of pocket costs for patients.

33

A startup that wants to use AI to create bespoke, cost-effective car insurance policies based on an agent’s driving history

33

A medical travel insurance company that provides coverage to patients who need to travel for medical services.

33

A software company that wants to make it easier for companies to manage their expenses. The company currently has a deal with a large insurance company.

32

A start-up that is building a platform that will connect homeowners to homeowners insurance companies and save them money.

32

A new kind of digital wallet that helps people plan and track their finances, manage their spending, and get support from their bank. The startup wants to be a “one-stop shop for financial services” that includes a portfolio, banking, investing, and insurance.

32

A company that provides a micro-insurance product for students to cover important expenses.

32

The startup wants to build a “third-party insurance-for-everyone” platform that offers affordable health insurance. The startup has already built a network that serves around 200,000 people in the US and has raised $3.5 million.

32

A startup for people to buy and sell products directly from their phones, and for sellers to receive payment via Venmo. The company is looking to expand into a marketplace with services like insurance and education.

31

A startup that helps doctors and patients find common ground, reducing the stress involved in insurance and billing questions.

31

A pitch for a health insurance platform that enables users to use a smartphone to view their health data, make payments, and receive regular communications from a doctor.

31

A company that provides software to help companies that use cloud-based apps to keep track of employees’ health for better insurance rate negotiations. The startup is working with companies like Costco and Hyatt.

31

A startup that aims to connect insurance agencies with companies with insurance needs and claims to help them manage risk.

31

A health care company that aims to make it easy for patients to access, at a fraction of the cost of traditional health insurance, the full range of doctor and hospital services.

30

 A global P2P insurance marketplace that aims to disrupt the traditional insurance market. Founded in July, the startup is currently in beta.

30

Some people like to own a car, which is usually a pretty big financial investment. Zendrive aims to be the Uber of cars, providing a way for people to get around without having to deal with insurance or renting or buying a car.

30

A tool designed for insurance adjusters to manage claims and automate the process of getting a home inspection.

29

A health insurance startup that helps people get less expensive coverage.

28

A health insurance, retirement planning, and investment platform. The company is building a full stack product, taking everything from claims to investment management out of a user’s hands.

28

A startup for underwriters of auto insurance in the EU. They’re working to expand across the United States.

27

This startup is working to ensure that your home insurance policy covers home repair, and will alert you if you’re not getting the protection you need. They’re already in the process of introducing a data-driven product to the US market.

27

A startup aiming to create an insurance program that helps small businesses with insurance costs. The startup currently has a grant from the National Science Foundation.

26

A startup that’s expanding into the US health insurance and education markets by providing a platform for healthcare providers to manage their patient records.

26

 A company that helps providers manage their own dental, vision, and life insurance needs. It doesn’t offer a traditional insurance product, yet covers 100% of a doctor’s out of pocket costs if they’re hospitalized.

26

A UK-based startup that works with banks and insurance companies to track and manage mobile phone insurance claims.

26

A payments company that allows you to take payments for your health and insurance over the phone, rather than on your phone or website.

25

A platform that helps businesses manage their inventory. It provides alerts on sales, insurance, shipping, and returns.

23

A startup that helps manage the risk of a global network of life insurance policy holders.

23

A health insurance app which allows users to submit their medical claims and payment information with a couple of taps on their phone. The startup is a bit of an interesting case study for the healthcare sector. They launched in March and have over 1,000 customers already. They're profitable for the first time.

22

A company that takes care of your travel insurance while you’re on the road, getting you quotes from insurance companies for you.

21

A company that helps people get the right insurance for the right price. The startup’s model allows customers to purchase a lifetime policy for a low monthly price.

20

A way to keep track of your health insurance, insurance claims, and health care expenses.

20

A company that aims to improve the process of buying insurance and getting it reimbursed by insurance companies. The startup claims they can save companies $2,600 in one-time expenses, and up to $2,000 annually within three years.

19

The startup is building an insurance product for travelers that helps them avoid the pitfalls of the expensive individual insurance market.

18

A startup for selling used cars, selling cars wholesale and at a lower cost than dealerships. The startup has partnered with dealerships in the US already, and is adding an auto insurance product to help offset the cost of rental cars for customers.

18

A digital insurance startup that wants to help people find doctors and medicines. The startup is taking on the large insurance companies that they say don’t always have the best interests of their customers in mind.

17

This is a tool for finding and buying deals on car insurance, similar to GEICO.

13

A company that wants to help companies and individuals save money by giving them a way to get better prices for a range of products, from auto insurance to cable TV.

12

A platform for businesses to manage their insurance claims, streamlining the claims process and helping companies save money on premiums and time.

8

A tool that helps you find the best deals on credit cards, bank loans, and insurance, using your personal data to optimize your decision making.

4

A life insurance company that’s trying to make it easier for young, vibrant people to buy life insurance.

2

A unicorn that helps people get the right insurance at the right price. It’s a platform for insurance companies to use and has attracted four top-tier insurance companies to try it out.

0

Idea: Personalized, affordable health insurance for every American

-1

Idea: A system for managing and tracking payments in the insurance industry

-1

Idea: World's first marketplace for insurance companies

-1

Idea: A startup for insurance companies to sell risk to interested buyers, like hedge funds The startup offers a way for insurers to get better at evaluating risk, and a way for hedge funds to get better at buying risk

-1

Idea: A B2B company that helps banks and insurance companies clean up their data The startup launched in March 2019 and has already made $2,500 in recurring revenue

-1

Idea: An insurance product that gives users a safety net when they need it most

-1

Idea: A B2B product that helps doctors get paid faster by sharing their patient data with insurance companies. IntelliCare says it’s already working with 5 pilots and 2 paying customers.

-1

Idea: A startup for short-term rentals, with a twist: a $100k insurance policy that covers any damages to the apartment up to a $5 million limit.

-1

Idea: A new twist on insurance for freelancers. The startup is a high-deductible plan with a really low premium — that also includes a loan component. The startup says it’s looking to compete with a 1500% APR loan and offer a 1% interest loan.

-1

Idea: A software platform for insurance companies that helps them manage their relationships with customers on a peer-to-peer basis.

-1

Idea: An AI startup that wants to use deep learning to help companies find data scientists. The company has clients in the finance and insurance sectors.

-1

A startup that’s building a tool to help doctors prescribe the right medication in the right place. The company wants to help people find primary care physicians who are in-network and take their insurance.

-1

A startup helping companies with insurance claims management

-1

A micro-insurance platform for the Southeast Asian market that wants to make sure that medical expenses, trips, and other events are covered.

-1

A startup that provides a service where people can buy “nanny insurance” so they can hire a nanny and feel more secure

-2

A startup that helps people find the best prices for their insurance

-2

A startup that provides affordable vehicle insurance to people under 25. The startup wants to become the go-to resource for young drivers and disrupt the current auto insurance industry which targets only the high-risk demographic.

-2

An insurance comparison site for India.

-2

A startup that sells the right insurance policy that fits their budget

-2