카카오페이손해보험

What 카카오페이손해보험 does

Kakao Pay Insurance Corp. (카카오페이손해보험) is a South Korean digital non-life insurance company founded in 2022, operating as a licensed 손해보험사 within the Kakao group ecosystem. Headquartered in Pangyo, Seongnam, the company distributes and services insurance exclusively through digital channels — KakaoTalk messenger, the Kakao Pay super-app, its own mobile website, and QR-code-based mobile enrollment — with no physical agents, design offices, or branch networks. Its customer base reached 8 million cumulative subscribers by 2025, achieved roughly three years after launch, with no single enterprise anchor dependency and pricing positioned at mass-market low-premium tiers (driver insurance from KRW 4,648/month; phone insurance from KRW 6,500/month; pet insurance from KRW ~10,000/month).

The product portfolio spans 14+ personal insurance lines organized into four groups: travel (overseas travel, long-term overseas stay, domestic group travel), health/life (health, baby 0–7, student 6–15, gift child), auto (driver), and specialty (pet, phone, golf, financial safety, jeonse, direct-transaction jeonse). The technical stack centers on three differentiated capabilities: (1) Korea's first AI-based instant insurance payment service that disburses claims without traditional review timelines, (2) photo-based AI claims adjudication using a smartphone-camera capture flow, and (3) DIY plan configuration enabling customers to assemble custom coverage from modular riders. KakaoTalk-native architecture (53M+ Korean users) provides distribution and engagement that traditional insurers cannot replicate, while group enrollment ("함께하기") creates viral acquisition mechanics inside the messenger surface.

Revenue is generated primarily through insurance premiums across recurring monthly subscriptions and pay-as-you-go micro-premium products (e.g., overseas travel from ~KRW 100 first-month promotional price), supplemented by family/group enrollment volume and partnerships with travel platforms, smartphone OEMs, and golf reservation services. The company holds #1 share in the Korean overseas travel insurance market, reports 97%+ customer satisfaction with NPS of 40, and has accumulated three global innovation awards in 2024–2025 (Asia Insurance Industry Award, Korea's first "Five-Star Insurance Innovation Company" designation, Insurance Innovation Award Technology Innovation) plus the 2024 Red Dot Design Award in Brand & Communication. Recent strategic moves include a Samsung Electronics partnership for Galaxy device coverage (May 2025), a pet insurance relaunch with industry-leading KRW 5 million surgical coverage (March 2026), and direct-transaction jeonse insurance for rental fraud protection (August 2025).

Name

카카오페이손해보험

Legal name

(주)카카오페이손해보험

Website

https://kakaopayinscorp.co.kr

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Kakao Pay Insurance Corp. is a South Korean digital non-life insurer founded in 2022, selling and servicing 14+ personal insurance products (travel, health, pet, phone, driver, jeonse) entirely through KakaoTalk and Kakao Pay to 8M+ cumulative subscribers.

Ownership category

akta.pro rank

Product category

Digital Non-Life Insurance

NAICS

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

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)

Keywords

• Digital insurance
• Non-life insurance
• Mobile insurance
• Pet insurance
• Travel insurance

Headquarters

HQ city

Seongnam-si (성남시)

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Kakao Pay Insurance generates revenue through insurance premiums paid by policyholders. The company offers multiple insurance products including driver insurance, health insurance, overseas/international travel insurance, pet insurance, phone insurance, golf insurance, and housing insurance. Premiums are collected on a recurring (monthly/annual) basis, with options for lump-sum or installment payment. The company operates as a licensed non-life insurer (손해보험사).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels10 records

Core offering

Kakao Pay Insurance is a licensed non-life insurance company that sells and manages personal insurance products (travel, pet, phone, driver, health, housing, golf, financial safety, and children's insurance) entirely through the KakaoTalk messenger and Kakao Pay app. Customers enroll, pay premiums, and file claims via mobile without agents or design offices, using AI-based photo claims and same-day instant insurance payment. The company collects recurring premiums (monthly, annual, or pay-as-you-go) and serves as the underwriter, generating revenue through insurance premium income.

Product overview

카카오페이손해보험은 카카오톡 기반으로 모든 보험의 가입·관리·보험금 청구를 카카오톡으로完結하는 완전한 디지털 손해보험사이다. 주요 상품 포트폴리오는 (1) 여행보험群: 해외여행보험·해외장기체류보험·국내여행단체보험, (2) 건강·인생보험群: 건강보험·영유아보험·초중학생보험·선물하는 자녀보험, (3) 자동차보험群: 운전자보험, (4) 특종보험群: 펫보험·휴대폰보험·골프보험·금융안심보험·전월세보험/직거래전월세보험으로 구성된다. 디지털 퍼스트 전략 하에 AI 기반 즉시 지급, 촬영 한 번 보험금 청구, DIY 맞춤 설계, 안전귀국 환급 등 기술 기반 차별화 기능을 핵심으로 내세우며, 해외여행보험 1위·누적 가입자 800만 명을 달성한 업계 리더이다.

Differentiator

Problem solved

Functional benefit

Products and services

• 해외여행보험 (Overseas Travel Insurance) Overseas travel insurance covering medical costs, flight delays, baggage loss, and trip cancellation for trips from 1 to 365 days; features instant flight-delay payouts and group enrollment discounts via KakaoTalk. #1 in Korea's overseas travel insurance market.
• 펫보험 (Pet Insurance) Pet insurance for dogs and cats covering 70% of same-day hospital costs (including surgery, hospitalization, medication, MRI/CT, skin conditions, gastroenteritis, patella luxation, dental scaling, and eye conditions), with up to KRW 5 million per surgery. Coverage extends to age 20 for both dogs and cats.
• 휴대폰보험 (Phone Insurance) Phone insurance covering accidental damage (cracked screens, etc.) for Samsung and Apple smartphones, reimbursing up to 90% of repair costs (with 10% deductible option). Coverage up to KRW 5 million for Galaxy (3-year max), up to 3 years for iPhone, with DIY choice of repair frequency (2-5 times) and deductible (10-40%, min KRW 30,000). Claims processed in under 10 minutes.
• 운전자보험 (Driver Insurance) Driver insurance covering 12 major types of accidents and injuries during driving (fines, legal settlement fees, legal defense costs, etc.). Customers select only the coverage they need (DIY) for affordable protection starting from KRW 4,648/month for a 30-year-old female with maximum coverage.
• 국내여행단체보험 (Domestic Group Travel Insurance) Domestic group travel insurance for company events such as MT (membership training), workshops, and group trips, enabling easy enrollment via KakaoTalk notification. Coverage allows sign-up by name, birth date, and gender only — no resident registration number required.
• 해외장기체류보험 (Overseas Long-term Stay Insurance) Long-term overseas stay insurance for international students, working holidaymakers, and expatriates covering overseas medical treatment at local hospitals and unlimited re-enrollment.
• 전월세보험 (Jeonse Insurance) Jeonse (key money) rental deposit insurance that compensates for losses caused by rental fraud, includes a free home analysis report and automatic KakaoTalk property registry change alerts (owner change, mortgage registration, auction).
• 직거래전월세보험 (Direct Transaction Jeonse Insurance) Jeonse/Monthly rental insurance for direct transactions without real estate agents via Danggeun and Pitterpan platforms, covering deposit loss from fraud and assessing direct-trade-specific risks such as fake landlords and forged signatures.
• 건강보험 (Health Insurance) Non-life health insurance providing cancer, brain, and heart disease coverage with DIY package selection (basic or robust, the latter including income replacement). Add-on packages cover cancer, brain/heart, surgery/exams, women's diseases, seasonal illness, fracture/burn, stress, and lifestyle diseases. Premiums fixed at initial enrollment up to age 100.
• 초중학생보험 (Elementary & Middle School Student Insurance) Insurance for elementary and middle school students (ages 6-15) covering school violence, after-school (방과후) accidents, contagious diseases, and fractures. Includes school violence compensation and civil lawsuit legal expense special terms. Example premium: KRW 9,183/month for a 10-year-old male robust plan, 15-year payment term.
• 영유아보험 (Infant & Toddler Insurance) Insurance for infants and young children (ages 0-7) covering diagnosis and treatment costs and ER visit costs for hand-foot-mouth disease, respiratory infections, food poisoning, and food/drug allergies. Achieved 1-year industry record of KRW 100 million cumulative payout for hand-foot-mouth disease treatment. Example premium: KRW 14,121/month for a 5-year-old female robust plan.
• 선물하는 자녀보험 (Giftable Child Insurance) Insurance product that can be gifted to children of family, friends, or colleagues. The gifter pays the premium and the child receives the coverage, enabling insurance as a gift.
• 금융안심보험 (Financial Safety Insurance) Insurance covering online financial fraud: voice phishing, smishing (malicious messages), and direct transaction fraud. Family/group enrollment available for up to 5 family members with up to 10% group discount.
• 골프보험 (Golf Insurance) Customizable golf insurance covering golf injuries, hole-in-one bonus coverage, and golf course accidents, with skill-level-matched coverage selection, optional hole-in-one special terms, and automatic KakaoTalk calendar registration features.

Quantifiable outcome

• 97%+ customer satisfaction rate across all products
• +5 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability3 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered core, secondary and minor.

• ISO 27001 & ISO 27017 CertificationcoreOthers · 25 June 2026Kakao Pay Insurance simultaneously obtained ISO 27001 and ISO 27017 certifications in June 2026, demonstrating global-level information security and cloud services security capabilities.
• 지해피독 (Jihaepidok)secondaryStrategic or Co-development Partner · 17 June 2025Partnership to strengthen missing pet finding support services. Kakao Pay Insurance integrates Jihaepidok's expertise in pet finding into its pet insurance product's '같이찾개' (Find-Together) service.
• 삼성전자 (Samsung Electronics)coreTechnology or Integration · 14 May 2025Kakao Pay Insurance partnered with Samsung Electronics to expand phone insurance coverage for Galaxy devices. The partnership includes integration with Samsung Care Plus for theft/loss claims processing, and Galaxy-specific coverage with industry-leading benefit limits (up to KRW 5 million). The partnership was announced May 2025 and expanded Galaxy claims limits significantly.
• 한국해비타트 (Korea Habitat)minorStrategic or Co-development Partner · 29 April 2025Partnership with Korea Habitat for youth housing safety net and jeonse (key money) fraud prevention initiatives. Supports vulnerable youth in safe housing transitions.
• 강형욱 (Kang Hyung-wook)secondaryGTM or Marketing Partner · 9 April 2025Partnership with celebrity dog trainer Kang Hyung-wook as a pet insurance brand ambassador and recommender. He selected and endorses Kakao Pay Insurance's pet insurance product.
• 인터파크트리플 (Interpark Triple)coreTechnology or Integration · 15 April 2024Technology partnership with Interpark Triple for travel cancellation insurance and digital insurance-travel platform synergy. Enables seamless travel insurance integration with a major Korean travel platform.
• 카카오 VX (카카오골프예약)secondaryGTM or Marketing Partner · 24 August 2023Partnership with Kakao VX's Kakao Golf Reservation service to offer golf insurance and membership services to golfers. Included a free hole-in-one insurance promotion that attracted 40,000 participants in one month.
• 사단법인 함께만드는세상 (Together Making a Better World)minorStrategic or Co-development Partner · 5 December 2022MOU with Together Making a Better World (사단법인 함께만드는세상) to expand support for self-sufficiency youth (자립준비청년) through donated financial safety insurance.
• 아름다운基金会 (Arirang Foundation)minorOthers · 10 November 2022Donated financial safety insurance to self-sufficiency youth (자립준비청년) through the Beautiful Foundation. Part of Kakao Pay Insurance's social impact program.
• 세이브더칠드런 (Save the Children Korea)minorStrategic or Co-development Partner · 11 October 2022Partnership with Save the Children to support children through financial safety and insurance programs as part of the company's social responsibility initiatives.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• KB Insurance (KB손해보험): One of Korea's top non-life insurers under KB Financial Group, with strengths in auto, property, and health/health-accident coverage sold through agents and KB banking channels. Direct overlap with Kakao Pay Insurance's driver, health, and bundled household lines.
• Hyundai Marine & Fire Insurance (현대해상): Major Korean P&C carrier offering auto, long-term P&C, and specialty coverage through agents and digital channels. Competes head-to-head with Kakao Pay Insurance on driver insurance and is also expanding direct/digital sales that overlap with the younger player.
• Samsung Fire & Marine Insurance (삼성화재): Korea's largest P&C insurer across auto, property, casualty, and specialty lines with a broad agent channel. Overlaps with Kakao Pay Insurance on driver, phone, pet, and travel insurance but operates a much larger, traditional distribution model.

Direct peers

• Carrot Insurance (캐롯손해보험): Korea's other prominent digital-native P&C insurer, similarly leveraging a non-traditional brand (carrot/employee benefits) and mobile-first distribution to sell driver, health, and lifestyle insurance directly to consumers. Closest direct peer in digital-first Korean P&C.
• Lemonade: US-listed digital-first, AI-powered P&C insurer using mobile apps, behavioral data, and instant claims to compete with incumbents. Closest international functional peer in digital-first insurance distribution and AI-driven claims.

Regional players

• Meritz Fire & Marine Insurance (메리츠화재): Aggressive Korean P&C insurer known for growth in driver and accident/health lines and rapid digital channel buildout. Competes with Kakao Pay Insurance across the same Korean consumer segments, particularly driver and health insurance.
• DB Insurance (DB손해보험): Mid-tier Korean P&C carrier with auto and long-term insurance focus, increasingly investing in mobile and online sales channels. Overlaps with Kakao Pay Insurance on driver and household-insurance use cases.
• LINA Insurance (LINA손해보험): Korean P&C insurer pursuing digital and embedded distribution to differentiate from larger incumbents, offering auto, accident, and health products. Comparable segment overlap with Kakao Pay Insurance's mobile-first go-to-market.
• Heungkuk Life & Fire Insurance (흥국화재): Smaller Korean P&C and life hybrid carrier expanding into digital channels and niche lifestyle products (golf, pet). Comparable in product breadth and Korea-only focus.

Emerging players

• Toss Insurance (토스인슈어런스 / Toss Care): Insurtech arm of the Toss super-app in Korea, distributing mobile-first personal insurance products directly to Toss users. Mirrors Kakao Pay Insurance's strategy of embedding insurance in a leading Korean fintech/super-app platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@%EC%B9%B4%EC%B9%B4%EC%98%A4%ED%8E%98%EC%9D%B4%EC%86%90%ED%95%B4%EB%B3%B4%ED%97%98
• LinkedInlinkedin.com/company/kakaopayinsurance
• Instagraminstagram.com/kakaopayinsurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 카카오페이손해보험