Xiaoyusan
Xiaoyusan is a national online insurance brokerage platform licensed in China, aggregating 400+ products from 80+ carriers and serving 15M+ consumers through proprietary AI-driven recommendation, underwriting, and claims systems under parent Shouhui Group.
- Company typePrivate
- Founded2013
- HeadquartersShenzhen, China
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Xiaoyusan does
Xiaoyusan (小雨伞保险经纪) is a national online insurance brokerage platform licensed by the National Financial Regulatory Administration of China, operating as a wholly-owned subsidiary of Shenzhen Shouhui Technology Group (手回集团), which completed a main-board listing on the Hong Kong Stock Exchange in May 2025. The company aggregates insurance products from more than 80 carrier partners and co-develops an exclusive shelf of 400+ products spanning critical illness, medical, accident, life and annuity, children's, student, pet medical, and group insurance lines. Distribution is digital-first, delivered through the corporate website, a dedicated iOS/Android mobile application, the WeChat ecosystem (public account, mini-program, and WeChat Pay/SDK integrations), plus a human insurance-advisory team for complex cases.
The platform is built on four proprietary technology systems: the 静静 (Jingjing) conversational AI advisor that generates personalized family insurance configurations in approximately three seconds, the 小智 (Xiaozhi) intelligent underwriting engine that matches health conditions to policy terms, the AICS intelligent claims-calculation system that uses image recognition to settle small claims in as fast as two minutes (with average flash-claim processing of 0.28 days), and the PICUS (啄木鸟) risk-management platform that combines a strategy engine, scoring models, and machine-learning-based fraud detection. The business earns revenue primarily through insurance commissions from carrier partners, supplemented by value-added services such as 1V1 claims case management, 闪赔 (flash claims) advance payments, and the 慢必赔 (delayed-claim compensation) service guarantee. As of 2025, the platform has served more than 15 million users, processed over 128,000 claims, and paid out more than 500 million yuan in total compensation.
Xiaoyusan firmographics
Firmographics- Name
- Xiaoyusan
- Legal name
- 小雨伞保险经纪有限公司
- Website
- https://xiaoyusan.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Xiaoyusan is a national online insurance brokerage platform licensed in China, aggregating 400+ products from 80+ carriers and serving 15M+ consumers through proprietary AI-driven recommendation, underwriting, and claims systems under parent Shouhui Group.
- Ownership category
- akta.pro rank
Xiaoyusan industry classification
Industry- Product category
- Online Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Other Insurance Related Activities (52429), Claims Adjusting (524291)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)
- akta.pro secondary industries
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Claims Management & Digital FNOL Platforms (FSAGAGAC), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Individual Health Insurance Brokerage & Distribution (FSAIAEAL)
Keywords
Where Xiaoyusan is headquartered
LocationHeadquarters
- HQ city
- Shenzhen
- HQ country
- China
- HQ region
- Asia
Offices8 records
Markets served
Xiaoyusan business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance Commission: Earns commissions from insurance companies for placing insurance products. Acts as insurance broker earning fees from multiple insurance carrier partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Children's accident insurance starting from 6.5 yuan/month |
| Subscription | Annual | Critical illness insurance starting from 164 yuan |
| Subscription | Monthly | Medical insurance starting from 13.05 yuan/month |
| One time/ perpetual license | Annual | Accident insurance starting from 138 yuan |
| One time/ perpetual license | Pay-as-you-go | Life insurance products starting from 5,000 yuan |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
Xiaoyusan product offering
Product offeringCore offering
Xiaoyusan is a national insurance brokerage platform that aggregates insurance products from over 80 partner insurance companies (including China Ping An, China Life, PICC) and distributes them to individual consumers through its website, mobile app, and WeChat ecosystem. The platform leverages proprietary AI systems (AI advisor 'Jingjing', intelligent underwriting 'Xiaozhi', AICS claims system, and PICUS risk management) to deliver personalized insurance recommendations, streamlined underwriting, and fast claims processing (flash claims averaging 0.28 days).
Product overview
小雨伞保险经纪 is an internet insurance sales platform operated by 手回科技集团, offering a unified platform that aggregates insurance products from over 80 partner insurance companies. The core platform provides end-to-end insurance transaction services including AI-powered consultation (人工智能保险定制师'静静'), intelligent underwriting (智能核保系统'小智'), claims processing (AICS智能理算系统), and comprehensive after-sales services. The product portfolio spans multiple sub-brands covering children's accident insurance (少儿意外险系列), critical illness insurance (重疾险系列 including 超级玛丽, 大黄蜂, 小青龙), medical insurance (医疗险系列 including 金医保, 尊享e生), accident insurance (意外险系列 including 大护甲), life and annuity insurance (寿险/年金险), student insurance (学平险), and pet medical insurance (宠物医疗险). Service enhancements include 1V1理赔管家, 闪赔服务, and 慢必赔 for differentiated claims support. The platform serves users through web, mobile app, WeChat public account, and H5 channels.
Differentiator
Problem solved
Functional benefit
Brands
- 敢保险: 体育运动保险品牌，成立于2016年6月，为极限运动、专业赛事运动、户外休闲运动提供专业保障服务
Products and services
- 小顽童8号少儿意外险 (Xiaowantong No.8 Children's Accident Insurance) Children's accident insurance from China Ping An, covering up to 200,000 yuan in accident medical expenses with 0 deductible and 100% reimbursement, valid at public specialty and private hospitals, starting from 6.5 yuan/month.
- 超级玛丽16号重疾险Pro (Super Mario No.16 Critical Illness Insurance Pro) Critical illness insurance product from Junlong Life Insurance with innovative critical illness and medical insurance stacking benefits, starting from 407 yuan. Covers 110 critical illnesses, 35 moderate conditions, 40 mild conditions, with up to 4.2x coverage for first critical illness before age 45 and unlimited cancer claims.
- 大黄蜂16号少儿重疾险(旗舰版) (Dahuangfeng No.16 Children's Critical Illness Insurance Flagship Edition) Children's critical illness insurance from Fosun Baodexin Life Insurance covering critical illness, moderate and mild conditions with multiple payout options for children.
- 金医保百万医疗险 (Jinyibao Million Medical Insurance) Million-yuan medical insurance from People's Insurance Company of China featuring 20-year guaranteed renewal, deductible reduction for claim-free years, and family deductible sharing options, starting from 13.05 yuan/month. Processed 25,349 claims with 60.4173 million yuan total compensation.
- 星海赢家玄武版养老年金保险（分红型） (Xinghaiyingjia Xuanwu Edition Pension Annuity Insurance - Dividend Type) Dividend-type pension annuity insurance from Fosun Baodexin Life Insurance with three payment plans and six product advantages targeting personalized retirement income and long-term value growth.
- 大护甲8号意外险 (Dahujia No.8 Accident Insurance) Accident insurance from People's Insurance Company of China providing coverage for accidents, sudden death, and acute illness for adults and elderly, starting from 138 yuan.
- 宠物医疗险 (Pet Medical Insurance) Pet medical insurance including Ping An Maohaizi Pet Medical Insurance offering pet health coverage with up to 20,000 yuan coverage.
- 小雨伞APP (Xiaoyusan Mobile App) Mobile application for iOS and Android providing insurance browsing, purchase, policy management, and claims application services.
- 保险咨询服务 (Insurance Consultation Service) Professional insurance consultation service providing family insurance configuration plans, product comparisons, and existing policy diagnostics through dedicated advisors. Includes gold medal consultant team for 1-on-1 personalized insurance planning.
- 闪赔服务 (Flash Claims Service) Express claims service enabling claims processing within average 0.28 days for small-claim cases through photo upload, with the platform advancing payment on behalf of insurance companies for fast fund transfer. Handled 53,060+ cases with 63.9 million yuan in payouts.
Quantifiable outcome
- Flash claims average processing time: 0.28 days
- +3 more outcomes
Companies that use Xiaoyusan
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles2 records
Xiaoyusan technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
AI capability7 records
Feature4 records
Xiaoyusan partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- 复星保德信人寿coreJoint product launch partnership for 星海赢家玄武版养老年金保险 (dividend type) with handhu insurance agency and Xiaoyusan. Deep product development and distribution partnership.
- 手回保险代理coreAffiliated company (formerly 创信保险销售) now renamed. Collaborates on product launches, claims services, and market expansion.
- 南开大学coreEstablished '互联网健康险保障指数实验室' (Internet Health Insurance Protection Index Laboratory) with Nankai University for research on internet health insurance market development and health insurance protection levels in China. Jointly publish annual '中国互联网健康险保障指数报告' (China Internet Health Insurance Protection Index Report).
- 雪球minorJoint research partnership to survey Snowball users about insurance attitudes, resulting in '新投资青年保险调查报告'.
- 深圳手回科技集团有限公司coreParent company (100% ownership) of Xiaoyusan Insurance Broker. Provides strategic direction and resources for the subsidiary.
- 中国平安coreStrategic insurance company partner with extensive product cooperation including critical illness, accident, and medical insurance. Co-developed products like 小顽童 children's accident insurance.
- 中国人保coreMajor insurance partner co-developing products like 金医保百万医疗险 which won innovation awards. Strategic partner with multiple product lines.
- 中国人寿coreStrategic insurance partner for life and health insurance products.
- 美亚保险coreEarly strategic partner for travel and international insurance products.
- 80+ Insurance Companies (80多家保险公司)coreStrategic cooperation with over 80 insurance companies including 中国平安, 中国人寿, 中国人保, 太平洋保险, 众安保险, 君龙人寿, 复星保德信, etc. for insurance product distribution and co-development.
Scale indicators10 records
Recent moves8 records
Expansion highlights5 records
Xiaoyusan competitors and assessment
Company assessmentDirect peers
- Waterdrop (水滴公司): NYSE-listed Chinese online insurance and healthcare crowdfunding platform. Closest direct peer - operates the same online insurance broker model serving Chinese consumers with AI-driven product recommendations and claims support.
- WeSure (微保): Tencent-backed online insurance intermediary platform operating within WeChat ecosystem. Directly comparable on distribution channels (WeChat mini-program) and Chinese consumer insurance brokerage with AI advisory features.
- Yuanbao (元保数科): Beijing-based online insurance broker platform with strong AI underwriting capabilities. Comparable on Chinese online insurance distribution with proprietary technology stack targeting individual consumers.
- BaoXian DaRen (保险大V): Chinese online insurance intermediary and content marketing platform serving individual consumers. Comparable on Chinese online insurance distribution with focus on consumer education and advisor-led sales.
- 慧择 (Huize Holding): NASDAQ-listed Chinese online insurance intermediary with similar product distribution model. Most direct US-listed comparable focused on long-term life and health insurance products distributed digitally to Chinese consumers.
Broad incumbents
- Ant Insurance (蚂蚁保险): Insurance distribution arm of Ant Group operating within Alipay ecosystem. Massive incumbent with broader financial services portfolio; overlapping capability in online insurance distribution with substantial scale advantage.
- ZhongAn Online P&C Insurance (众安在线): HKEX-listed Chinese online-only insurance company (insurer, not broker). Operates adjacent business model as digital-native insurance player; comparable on Chinese market digital insurance expertise but bears underwriting risk rather than broker commissions.
- JD Insurance (京东保险): Insurance distribution arm of JD.com operating within JD's broader e-commerce ecosystem. Larger incumbent with overlapping capability in Chinese online insurance brokerage, leveraging JD's user base and brand.
- Lufax Holding (陆金所): NYSE-listed Chinese fintech platform with insurance distribution as part of broader wealth management and lending portfolio. Larger incumbent with adjacent insurance brokerage capabilities serving Chinese consumers.
Regional players
- Lemonade: US/NYSE-listed insurtech using AI and behavioral economics for digital insurance distribution. Operates as licensed insurer rather than pure broker but comparable on AI-driven insurance technology stack and customer experience differentiation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Xiaoyusan compliance and trust
Trust signalCompliance2 records
Xiaoyusan financial estimates
Financial estimateRevenue estimate
Valuation estimate
Xiaoyusan leadership team
Management profileNumber of profiles
Profiles7 records
Xiaoyusan subsidiaries and ownership
Company hierarchySubsidiaries2 records
Xiaoyusan funding detail
Funding detailFunding overview
Funding rounds3 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Xiaoyusan M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Xiaoyusan
What does Xiaoyusan do?
Xiaoyusan is a national insurance brokerage platform that aggregates insurance products from over 80 partner insurance companies (including China Ping An, China Life, PICC) and distributes them to individual consumers through its website, mobile app, and WeChat ecosystem. The platform leverages proprietary AI systems (AI advisor 'Jingjing', intelligent underwriting 'Xiaozhi', AICS claims system, and PICUS risk management) to deliver personalized insurance recommendations, streamlined underwriting, and fast claims processing (flash claims averaging 0.28 days).
Is Xiaoyusan a public or private company?
Xiaoyusan is a private company. It is classified as corporate owned and is currently operating.
When was Xiaoyusan founded?
Xiaoyusan was founded in 2013. It employs 251 to 500 people.
Where is Xiaoyusan based?
Xiaoyusan is headquartered in Shenzhen, China, in the Asia region.
How does Xiaoyusan make money?
One revenue line is on record: insurance Commission.
Who are Xiaoyusan's main competitors?
Direct peers on record are Waterdrop (水滴公司), WeSure (微保), Yuanbao (元保数科), BaoXian DaRen (保险大V) and 慧择 (Huize Holding). Broad incumbents are Ant Insurance (蚂蚁保险), ZhongAn Online P&C Insurance (众安在线), JD Insurance (京东保险) and Lufax Holding (陆金所). Lemonade is listed as a regional player.
Does Xiaoyusan have an API?
No public API is recorded for Xiaoyusan.
What industry is Xiaoyusan in?
Xiaoyusan's product category is Online Insurance Brokerage. Its primary akta.pro industry code is FSAGAGAA, Digital Distribution & Comparison Platforms (Aggregators/Marketplaces), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 524210 and its SIC code is 6411.