Case StudiesAegon

InsureMO's PaaS Solution Empowers VSure to Transform the Malaysian Insurance Landscape as the First On-Demand Digital Insurer

Using InsureMO’s cutting-edge technology, VSure pioneers accessible, inclusive, and customizable on-demand protection solutions, marking a significant shift in the insurance industry.

  • VSure is a digital insurance platform, pioneering as the first on-demand lifestyle insurer in Malaysia.
  • It operates exclusively on digital platforms via its website and mobile app.
  • VSure offers a wide range of coverage plans across various categories, including Life, Health & Medical, Home, Personal Accident, Travel, Motor, and Takaful.
  • VSure aligns with the principle of making insurance inclusive and accessible to people at all levels.  


  • Aegon Life aimed for improved customer experience and purchasing ease via a digital-first approach.
  • Needed a scalable, agile IT architecture for timely product launches and channel integration.
  • Time constraints in building the scalable architecture was a significant challenge.


  • Aegon Life used InsureMO to build a cloud-based, microservices, and event-driven architecture
  • New architecture serves as a robust backbone for high-volume and high-velocity eCommerce channels.
  • The first launch of the group platform with an eCommerce player was accomplished within six weeks.

Aegon Life, leveraging InsureMO’s robust platform, successfully implemented a scalable, cloud-based, microservices and event-driven architecture to enhance customer experience, resulting in the rapid launch of its group platform with an eCommerce partner within just six weeks.

Key Challenges:

There were initial challenges with traditional monolithic insurance systems. These systems were unsuitable for their needs due to their complex medical and financial underwriting requirements and the management of low volumes of complex policies and rating engines. aYo began with a bespoke platform but soon realized the high costs involved in developing such a platform, despite having the potential to generate millions of customers with micro-premiums.

The Solution:

Seeking a low-cost, efficient, and scalable platform for millions of customers, aYo turned to InsureMO platform. This platform met aYo’s needs for a system that could ideally be utilized on a subscription basis. By using the InsureMO platform in a headless manner, aYo was able to easily connect it with various other systems, overcoming the limitations of traditional policy admin systems and enabling them to efficiently manage their embedded insurance solutions for a vast customer base.


The Impact:

  • Powered by InsureMO, the insurer was able to build a cloud-based, microservices and event-driven architecture that provides a scalable back-bone for high-volume and high-velocity eCommerce channels.
  • The first launch of its group platform with an eCommerce player was achieved within six weeks.
  • Out-of-box APIs from InsureMO shortened product launch time to a few weeks, each of these APIs has been designed to support various possibilities/scenarios of user journeys.
  • The Headless Manufacturer digital insurance platform has features such as stateless APIs to enable the insurer’s self-service/partners across various channels, low product/channel experiment costs for innovations, and high scalability from the cloud architecture.