Aibao

Name

Aibao

Legal name

爱保科技有限公司

Website

https://aibao.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Aibao Technology is a Beijing-based InsurTech vendor founded in 2018 that sells proprietary AI software — vehicle recognition, damage identification, IoV pricing, OCR, and face recognition — to Chinese motor-vehicle insurers under enterprise agreements, while also operating the CheZhuHui B2C vehicle-lifestyle platform for car owners.

Ownership category

akta.pro rank

Product category

Insurance Technology (InsurTech)

NAICS

Computer Systems Design Services (541512), Search, Detection, Navigation, Guidance, Aeronautical, and Nautical System and Instrument Manufacturing (334511)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

akta.pro secondary industries

Audit, Explainability & Accountability Tooling (traceability, reporting) (HDAAAKAL), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)

Keywords

• Insurance technology
• Vehicle damage recognition
• Auto insurance AI
• Vehicle lifestyle services
• Connected car pricing

Headquarters

HQ city

Xicheng

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Value-Added Services: Providing value-added services for motor vehicle insurance customers, including online activity-related services and online advertising services to insurance company clients
2. Vehicle Lifestyle Services: Vehicle maintenance, usage, and car butler services through the 车主惠 platform, covering car maintenance, usage, and vehicle management services across China

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Aibao (爱保科技) is a Chinese insurance technology (InsurTech) company that sells proprietary AI capabilities—including vehicle recognition, car damage identification, IoV-based differentiated auto insurance pricing, face recognition, OCR, and big-data risk models—to insurance companies to support underwriting, claims, and customer engagement. The company also operates the 车主惠 (CheZhuHui / Car Owner Benefits) consumer platform, an integrated vehicle lifestyle service covering car maintenance, car usage, and car butler services across China with millions of service instances delivered.

Differentiator

Problem solved

Functional benefit

Brands

• 车主惠 (CheZhuHui): A comprehensive vehicle lifestyle service platform centered on car ownership, providing transparent vehicle maintenance services, car usage tracking, and vehicle management services.

Products and services

• 车主惠 (CheZhuHui / Car Owner Benefits) vehicle lifestyle services platform

Quantifiable outcome

• Covers thousands of vehicle models, license plates, and VIN codes with precise recognition
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature6 records

Partnerships

One partnership is on record.

• PICC Property & Casualty Co LtdcoreStrategic or Co-development Partner · 30 December 2025PICC Property & Casualty (HK:2328) signed a 2026 Customer Services Cooperation Framework Agreement with Aibao Technology. Aibao and its subsidiaries will provide value-added services for motor vehicle insurance customers, online activity-related services, and online advertising services from January 1 to December 31, 2026. The deal is capped at RMB 370 million and is classified as a continuing connected transaction under Hong Kong listing rules.

Scale indicators3 records

Direct peers

• Tractable: Tractable builds AI-driven visual damage assessment for auto insurance claims, the exact capability Aibao offers via its Car Damage Identification product. It is the most direct international analogue to Aibao's computer-vision insurance stack.
• ZhongAn Online P&C Insurance: ZhongAn is China's flagship technology-led online insurer, combining proprietary tech with insurer operations. Comparable to Aibao as a Chinese InsurTech that sits at the intersection of AI, auto insurance, and consumer vehicle services.
• Shift Technology: Shift Technology applies AI to insurance claims, fraud detection, and underwriting workflows. Comparable to Aibao's role as an AI-layer provider that helps insurers automate decisioning across claims and risk.
• Octo Telematics: Octo is a global leader in IoV / telematics-based UBI insurance. Directly comparable to Aibao's IoV-based differential pricing and risk-prevention capabilities which sit at the core of its insurance tech stack.

Broad incumbents

• Ping An Insurance (Group) / OneConnect: Ping An is China's largest composite insurer with deep in-house tech via OneConnect; both are also potential enterprise customers and competitors to Aibao. The connected-transaction status of Aibao's PICC deal signals that comparable structures exist across China's insurance giants.
• Ant Group Insurance: Ant Group operates a major InsurTech platform serving consumers and insurers across China. Comparable as a broad incumbent combining AI-driven insurance distribution, claims, and risk analytics at scale.
• CCC Intelligent Solutions: CCC is a long-established insurance technology and claims automation provider for the auto insurance industry. Comparable to Aibao in targeting auto claims workflows and insurer operations, though at much larger incumbency.

Emerging players

• Lemonade: Lemonade is an AI-native insurance carrier using behavioral data and ML for underwriting and claims. Thematically comparable to Aibao's positioning as a technology-first insurance player, though Lemonade is a US carrier while Aibao is primarily a B2B InsurTech.
• Tuhu (途虎养车): Tuhu is China's leading consumer auto-care platform, comparable to Aibao's 车主惠 vehicle lifestyle service offering. Both target Chinese car owners with integrated maintenance, usage, and management services.
• Geometris (telematics/UBI specialists): Geometris is a specialist in IoT/IoV data, telematics, and connected-vehicle analytics. Comparable to Aibao's IoV-based risk pricing and smart risk warning capabilities within the broader UBI/connected-car insurance stack.

Market position

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aibao