HD Insurance

What HD Insurance does

HD Insurance (Công ty TNHH Bảo hiểm HD) is a Vietnam-licensed general insurance company operating under Ministry of Finance License No. 82/GP/KDBH, granted on 19 May 2020. It is structured as a private limited liability company headquartered in Ho Chi Minh City at Tòa nhà Abacus, 58 Nguyễn Đình Chiểu, phường Tân Định, with a regional branch in Hanoi at 885 Hồng Hà, phường Hồng Hà. The company is privately held with no disclosed parent, subsidiaries, external funding rounds, or institutional investors. Its registered charter capital is 1,800 tỷ đồng.

The company writes a broad portfolio of over 80 insurance products organized into eight categories: online insurance, health insurance, motor vehicle insurance, property and engineering insurance, cargo insurance, marine insurance, liability insurance, and specialty insurance. Lines span mandatory cover (motor TNDS, fire and explosion, construction investment) and voluntary cover (individual and group health/accident, domestic and international travel, private home, hull, cargo, public/product/professional liability, cyber, electronic equipment, and Dell extended warranty). Distribution is digital-first: customers register, buy, manage contracts, and file claims through a self-service customer portal (customer-portal.hdinsurance.com.vn) and an e-certificate lookup system (e-certificate.hdinsurance.com.vn). Supporting channels include a hotline (1900 068898), Zalo, Facebook Messenger, Viber, WhatsApp, and onsite consultation appointment booking.

HD Insurance generates revenue through insurance premiums collected on annual or multi-year subscriptions across individual and group/corporate customers. Pricing is tiered by product (e.g., group health from 2,851,000 VND/year, group accident from 225,000 VND/year, motorcycle mandatory TNDS from 60,500 VND/year, car mandatory TNDS from 480,700 VND). A network of 200+ hospitals and clinics supports cashless health-insurance claim guarantees. Differentiation is built on InsurTech-led online convenience, 24/7 access, electronic contract management, and ESG-aligned governance rather than on disclosed proprietary AI/ML technology.

Name

HD Insurance

Legal name

Công ty TNHH Bảo hiểm HD

Website

https://hdinsurance.com.vn

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

501–1,000 employees

Short description

HD Insurance is a Vietnam-licensed InsurTech general insurer offering 80+ digital-first insurance products across health, motor, property, cargo, marine, liability, and specialty lines to individuals and enterprises, sold via an online customer portal and e-certificate system.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Product Liability Umbrella / Excess (FSAJANAI)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC), Technology / IT Services BOP (FSAJAFAK)

Keywords

• Digital insurance platform
• InsurTech services
• Health insurance
• Motor vehicle insurance
• Property insurance

Headquarters

HQ city

Ho Chi Minh City

HQ country

Vietnam

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: HD Insurance generates revenue through insurance premiums from various insurance products including health, accident, vehicle, property, cargo, vessel, and liability insurance. Premiums are collected on annual or multi-year basis depending on product type.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

HD Insurance is a Vietnamese InsurTech carrier that sells and underwrites a portfolio of 80+ insurance products — including health, accident, motor (mandatory TNDS and voluntary), property, fire, construction, cargo, marine hull, and liability coverage — through a digital platform that enables online registration, e-certificate lookup, self-service contract management, and claims submission. Products are issued under Vietnamese Ministry of Finance License No. 82/GP/KDBH and distributed via web, mobile portal, hotline, and messaging channels to both individual consumers and corporate groups.

Product overview

HD Insurance operates as an InsurTech company offering a comprehensive portfolio of over 80 insurance products across eight main categories: Online Insurance (Bảo hiểm trực tuyến), Health Insurance (Bảo hiểm sức khỏe), Motor Vehicle Insurance (Bảo hiểm xe cơ giới), Property & Engineering Insurance (Bảo hiểm tài sản – kỹ thuật), Cargo Insurance (Bảo hiểm hàng hóa), Marine Insurance (Bảo hiểm tàu), Liability Insurance (Bảo hiểm trách nhiệm), and Other Insurance Products (Sản phẩm bảo hiểm khác). The core offering is supported by an InsurTech digital platform that enables online registration, contract management, claim processing, and renewal services. Products range from mandatory insurance (motor third-party liability, fire insurance) to voluntary coverage (health, accident, travel, property) serving both individual and enterprise customers. The company was established on May 19, 2020, with registered capital of 1,800 billion VND.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Health and Accident Insurance (Bảo hiểm chăm sóc sức khỏe và tai nạn cho cá nhân) Health and accident insurance for individuals aged 18-65, providing hospitalization guarantee at over 200 hospitals and clinics nationwide.
• Personal Accident Insurance (Bảo hiểm tai nạn con người cho cá nhân) Personal accident insurance for individual policyholders covering injury-related risks.
• Group Health and Accident Insurance (Bảo hiểm chăm sóc sức khỏe và tai nạn cho nhóm) Group health and accident insurance for businesses, starting from 2,851,000 VND/year, with hospital guarantee at over 200 hospitals and clinics nationwide and flexible packages designed by budget.
• Group Personal Accident Insurance (Bảo hiểm tai nạn con người cho nhóm) Group personal accident insurance with reasonable premiums and daily hospitalization allowance for employees.
• Mandatory Motorcycle TNDS Insurance (Bảo hiểm bắt buộc TNDS xe mô tô – xe máy) Mandatory third-party liability insurance for motorcycle owners starting from 60,500 VND/year, with optional voluntary coverage available.
• Mandatory Car TNDS Insurance (Bảo hiểm bắt buộc TNDS xe ô tô) Mandatory third-party liability insurance for car owners starting from 480,700 VND, with fast and accurate claims processing.
• Voluntary Motor Vehicle Insurance (Bảo hiểm tự nguyện xe cơ giới) Voluntary motor vehicle insurance offering additional coverage beyond mandatory TNDS for cars.
• Comprehensive Car Physical Damage Insurance (Bảo hiểm vật chất xe ô tô) Comprehensive vehicle physical damage insurance for cars covering own-damage and collision risks.
• Private Home Insurance (Bảo hiểm nhà tư nhân) Private home insurance with flexible customization based on budget and needs, without requirement for actual property value assessment.
• Domestic Travel Insurance (Bảo hiểm du lịch Việt Nam) Domestic travel insurance covering travel within Vietnam.
• International Travel Insurance (Bảo hiểm du lịch quốc tế) International travel insurance covering travel abroad.
• Worldwide Travel Insurance (Bảo hiểm du lịch Toàn cầu) Worldwide travel insurance providing global coverage.
• Student Insurance (Bảo hiểm học sinh, sinh viên) Insurance for school and university students covering personal accident and health risks.
• Borrower Health Insurance (Bảo hiểm sức khỏe người vay vốn) Health insurance for credit borrowers providing peace-of-mind coverage tied to loan products.
• Credit Borrower Accident and Life Insurance (Bảo hiểm tai nạn và tính mạng người vay tín dụng) Accident and life insurance for credit borrowers with practical and flexible insurance benefits.
• Fire and Special Risks Insurance (Bảo hiểm Hỏa hoạn và các rủi ro đặc biệt) Fire and special risks insurance providing coverage for fire damage and specified special risks.
• Business Interruption Insurance Following Fire and Special Risks (Bảo hiểm gián đoạn kinh doanh sau Hỏa hoạn và các rủi ro đặc biệt) Business interruption insurance following fire and special risks with flexible extension terms.
• Mandatory Fire and Explosion Insurance (Bảo hiểm cháy nổ bắt buộc) Statutory mandatory fire and explosion insurance as required by Vietnamese law.
• All-Risk Property Insurance (Bảo hiểm mọi rủi ro tài sản)

Quantifiable outcome

• 200+ hospitals and clinics nationwide for health insurance guarantee services
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Acko: Indian InsurTech offering motor, health and other lines through a digital, direct-to-consumer model. Closely comparable to HD Insurance as a digital-first multi-line insurer serving an emerging Asian market.
• ZhongAn Online P&C Insurance: Chinese InsurTech carrier offering a multi-line portfolio (P&C, health, accident) via a digital-first platform. Closest global analog to HD Insurance in combining a broad product catalog with technology-led distribution.
• Lemonade: US digital-first insurance carrier using an app-based platform to underwrite and serve customers with minimal human intermediation. Comparable to HD Insurance in emphasizing digital self-service and 24/7 access to insurance products.

Broad incumbents

• PVI Insurance: Vietnamese multi-line P&C carrier with strong corporate and energy underwriting expertise. Overlaps with HD Insurance across commercial property, engineering, marine and liability lines.
• Liberty Insurance Vietnam: Vietnamese operation of a global multi-line insurer serving both consumer and commercial customers. Comparable to HD Insurance in product breadth and dual-segment focus.
• Prudential Vietnam: Major international insurer in Vietnam with strong life and health offerings plus accident products. Competes with HD Insurance in the health and accident segment and group employee benefits.
• Bảo Minh (Bao Minh Insurance): Vietnamese multi-line P&C insurer offering motor, property, marine, and liability coverage. Directly competes with HD Insurance across most non-life lines within Vietnam.
• Manulife Vietnam: Global insurer with a sizable Vietnamese presence focused on life, health and accident products. Overlaps with HD Insurance's individual and group health/accident lines.
• BaoViet Holdings: Vietnam's largest and most established insurance group with a broad life and non-life portfolio and deep agent network. Sets the competitive ceiling HD Insurance must address across virtually all of its product lines.

Regional players

• Singlife: Singapore-based InsurTech offering multi-line digital insurance products across Asia. Comparable to HD Insurance in digital-first operating model, though serving a different geography.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@hdinsurancecompanylimited764
• Facebookfacebook.com/CongTyBaoHiemHD
• Instagraminstagram.com/baohiemhd
• Xx.com/BaoHiemHD

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 HD Insurance