eKYC for ASEAN insurers — onboard policyholders in under a minute
Insurance fraud is rising across the region. EMAS eKYC verifies the policyholder at sign-up, claims, and renewal — combining document authentication, liveness, and digital signatures in one flow.
PDF
Insurance industry use-case PDF
Improving the security and convenience of policyholder onboarding. ASEAN fraud patterns, eKYC controls, and the EMAS CIDA architecture.
PDF · v1.0
Get the PDFThe rise of insurance fraud in ASEAN
62%
Malaysians who consider committing loan or insurance fraud
FICO study, 2023 (per New Straits Times)
18%
Life-insurance and personal-line policyholders falling victim to identity fraud, 2020
FutureCIO regional report
3x
Reports of insurance fraud in Singapore, 2018-2020
Tripled in two years (Straits Times)
Identity theft, account takeovers, and application fraud are prevalent across the region. Insurance scams are rising in part because legacy onboarding lacks robust identity verification — and traditional in-person processes proved impractical post-COVID. Digital onboarding is now the expected norm for policy purchase, renewal, and claims.
How eKYC improves insurance onboarding
Remote agent registration
Agents can register policyholders remotely. Digital signatures and policy reviews happen online — no physical meet-up required.
Self-service applications
Customers apply for ad-hoc insurance themselves at any time — including renewals, upgrades, claims, and coverage adjustments.
Biometric fraud detection
Liveness and biometric verification flag potential fraudsters at the point of sign-up. Combine with credit-score checks to vet ability to pay premiums.
What's in the EMAS eKYC bundle for insurers
ID document capture and authentication (microprint, hologram, tampering detection)
Liveness detection and facial matching
Digital signatures sealed against tampering
Income and address proofing for high-value policies
Device binding to flag repeat-applicant fraud
Audit trail and regulator-ready reporting
EMAS CIDA — the architecture behind it
EMAS CIDA is our identity-assurance framework for end-to-end policyholder verification: ID evidence collection, Digital Footprint Analysis, video verification, financial-risk checks, income and address proofing, biometric blacklisting, device blacklisting, device binding, and biometric authentication. Read the framework explainer →
Insurance eKYC by country
Malaysia
BNM-aligned identity verification for Malaysian insurers.
Indonesia
OJK-aligned eKYC for Indonesian insurers.
Thailand
OIC- and PDPA-aligned eKYC for Thai insurers.
Cambodia
Insurance Regulator of Cambodia-aligned identity verification.
Philippines
Insurance Commission-aligned eKYC for Philippine insurers.
Modernise insurance onboarding without breaking it
Book a 30-minute scoping call. We'll map eKYC against your distribution channel and regulator.
Book a demoGet the insurance fraud guide
Submit your details and we'll send the PDF.