Five insurance operations in Southeast Asia, already in production.

An automotive-insurance claim touches a service centre, a workshop, a parts supplier and an insurer, each one built for its own part of the job and none of them built to hold the claim itself. Status sits in whichever conversation last happened, and the service-level clock becomes readable only after it has run out. Across a national network of hundreds of service centres that is not a staffing problem. It is a coordination problem that more staff would only make more expensive.

ClaimFlow runs the whole operation on one AI-native platform, on an outcome-based commercial model, with BeeVN across the VinFast service-centre network. First notice of loss is captured at the service centre and matched to policy and coverage in seconds. AI scores severity and routes the claim. An adjuster co-pilot drafts the assessment and flags fraud signals. Workshops and parts suppliers are dispatched and tracked against a real-time clock on the service-level deadline. Every action lands on a clean, per-tenant audit trail, which is what makes an outcome-based fee verifiable rather than argued.

The operation is built to compress the cycle by roughly four fifths, service levels are tracked in real time rather than reconstructed after the fact, and a coordination problem becomes a running operation. The network is scaling toward its full 420-plus service-centre footprint.

Insurance is usually sold where the customer is not: at a branch, through an agent, on a form filled out long after the moment of need. A mobility super-app has the opposite shape. The customer is already booking a trip or placing a delivery, and the moment cover is relevant lasts seconds. The hard part is not the product. It is issuing a policy inside that moment, routing it to the right underwriter, and reconciling the premium cleanly afterwards, across three markets with different carriers in each.

MicroFlow is a distribution engine that works with any broker and connects channels to underwriters, spreading business across multiple insurers by design, live through Green SM across Vietnam, Indonesia, and the Philippines. Cover is offered in-app the moment it becomes relevant, priced and confirmed in milliseconds, and issued instantly. The routing engine allocates each policy to the right insurer by quota caps and allocation rules, then matches premiums and closes the period automatically, on a clean audit trail. Capacity spreads across carriers as volume grows, and the period closes without a manual pass.

Cover sold at the point of need rather than after it, across three markets on one engine, with reconciliation that closes itself rather than consuming a finance team. New carriers and new channels attach to connections that already exist, so the next market is a configuration, not a rebuild.