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Instony – Chinese Insurance APP

In Action Summary

Instony is a Chinese insurance app that is focusing on ancillary services in order to cross-sell insurance.

Launched in 2011, Instony distributes a free wi-fi dongle for Chinese tourists traveling overseas, through which Instony cross-sells travel insurance.

To date, the Instony app has had 25 million downloads and also offers a range of niche insurance products such as:

  • Flight delay insurance
  • Luggage loss
  • Traffic Accident
  • Dental Insurance
  • Device Insurance (Phone cracking insurance)
  • Health insurance specifically for food poisoning



Instony  focuses on ancillary services in order to cross-sell insurance

Instony have also embraced more unusual insurance related services such as free visa application translation services and a free sleep disturbance insurance.

Ultimately, Instony is an example of Chinese insurance startups attempting to differentiate themselves by offering related services such as free wi-fi roaming and then cross-selling travel and health insurance to consumers.



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