Avo Insurance
Avo Insurance is a Hong Kong virtual general insurer offering fully online, tech-driven insurance products.
Last updated September 28, 2026
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Overview
Avo Insurance (安我保險), commonly known as Avo, is a Hong Kong-based virtual insurance company. It was established in 2019 and is described as the first virtual insurer in Hong Kong to provide general insurance, and the second company to obtain a Hong Kong virtual insurance licence. The company operates entirely online, allowing customers to learn about products, purchase policies, make payments, manage policies and submit claims through digital channels. Avo is backed by Asia Insurance, Hillhouse Capital and Two Sigma. Asia Insurance brings decades of insurance experience and a strong financial strength rating; Hillhouse Capital contributes fintech expertise and a broad portfolio network; and Two Sigma provides a research-led data science and technology approach. This combination supports Avo's mission to create an easy and enjoyable digital insurance experience integrated into everyday life. The name "Avo" is inspired by the avocado, a popular and healthy food, reflecting the company's wish to present a fresh and approachable image. Avo's core values include simplicity, thoughtfulness, sustainability and innovation. It aims to simplify the insurance journey from awareness and purchase to claims, making each step convenient and secure. Avo offers a range of general insurance products tailored to Hong Kong customers. These include home insurance for owner-occupiers and tenants, global travel insurance, domestic helper insurance, medical aesthetics travel insurance, IVF treatment travel insurance, and OutpatientGuard outpatient coverage. The company has introduced several market-first products, such as flexible modular home insurance and travel insurance for overseas IVF and egg-freezing treatments. It also operates Avo Hub, a membership platform providing exclusive privileges and services, and an eMall for gift cards and branded merchandise. Avo positions itself as a digital-first insurer that breaks away from traditional bundled insurance designs, offering customizable coverage and transparent terms. Its products are designed for modern lifestyles, covering diverse family definitions, older buildings, and specialised travel needs. The company continues to expand its product suite and digital services for the Hong Kong market.
History
Avo Insurance was established in 2019 as a virtual insurance company in Hong Kong. It became the first virtual insurer in Hong Kong to offer general insurance and the second company to receive a virtual insurance licence in the city. The company was created with backing from Asia Insurance, Hillhouse Capital and Two Sigma, combining insurance experience, fintech investment expertise and data science capabilities. From its inception, Avo focused on a fully digital insurance experience, allowing customers to handle everything online. The name "Avo" was inspired by the avocado, symbolising a fresh and healthy approach to insurance. The company set out to simplify insurance processes and integrate coverage into daily life. Avo has since launched a range of general insurance products for the Hong Kong market. It introduced market-first offerings such as flexible modular home insurance that allows customers to choose and combine coverage, and travel insurance specifically designed for overseas IVF and egg-freezing treatments. Other products include global travel insurance, domestic helper insurance, medical aesthetics travel insurance and outpatient coverage. The company also developed digital platforms including Avo Hub, a membership programme with exclusive privileges, and an eMall for gift cards and branded merchandise. Avo continues to expand its product suite and digital services, maintaining its position as a virtual general insurer in Hong Kong.
- 2019
Avo Insurance was established in Hong Kong.
- 2019
Avo became the first virtual insurer in Hong Kong to offer general insurance and the second to obtain a virtual insurance licence.
Products and positioning
Digital-first virtual general insurer offering simple, flexible and transparent online insurance for Hong Kong customers.
Home insurance for owner-occupiers and tenants
Flexible modular home insurance covering contents and legal liability, with optional covers such as electronics, pets, travel, and more. Covers buildings up to 55 years old.
Global travel insurance
Travel insurance that flexibly covers special travel arrangements such as water sports, winter sports and weddings, as well as trip interruption and delays.
Domestic helper insurance
Insurance for domestic helpers.
Medical aesthetics travel insurance
Market-first insurance covering various medical aesthetics procedures in popular destinations such as Japan, South Korea, Taiwan and Thailand.
IVF treatment travel insurance
Market-first travel insurance for overseas IVF and egg-freezing treatments, covering six popular medical tourism destinations including Japan, South Korea, Taiwan, Thailand, Mainland China and Singapore.
OutpatientGuard outpatient coverage
Outpatient medical insurance coverage.
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