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Insurance for the New Possible

Ron Tam, Co-Chief Financial Officer and Head of International at Huize, and Shruthi Sharma, Global Partnerships Manager at Chubb discussed how the insurance industry across Asia is undergoing a profound evolution, driven by digital ecosystems, social platforms, and the convergence of technology and trust. As consumers grow more digitally native, traditional models of distribution are being replaced by ecosystems that inform, empower, and personalize. Buying insurance is no longer a single transaction, it is a continuous, technology-enabled experience built on transparency, accessibility, and human relevance.

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Some of the insights they shared included:

Technology cycles may be accelerating, but the bedrock of insurance still rests on trust.
Modern insurance distribution wins by helping both sides meet in the middle, with content, data, and journeys that reduce friction and improve buying decisions.
Huize’s 2018 breakthrough in was building a KOL-led distribution model with a twist. The most effective “creators” aren’t performers; they’re credible domain experts.

Products should be treated like software. Iterate, version, and personalize.
Insurance literacy is not credible if it’s one-sided. It works when insurers, distributors, regulators, and KOLs teach together.

Ron Tam

Co-Chief Financial Officer and Head of International
at Huize

Experienced corporate executive with 10+ years of pan-Asian fintech listed company experience (US and HK markets) and former investment banking professional with over 15+ years track record in driving and executing corporate strategy, M&A and capital markets transactions (IPOs, public/private market fund raisings).

Shruthi Sharma

Head of Digital Business, Overseas General Insurance
at Chubb Life

Shruthi is a Partnerships Manager at Chubb, the world's largest publicly traded property and casualty insurer, where she leverage her 7+ years of experience in developing and managing digital insurance solutions for various verticals, such as fintech, ride hailing, logistics, and ecommerce across Life & General insurance. With expertise in Advanced Growth Strategy and Engagement & Retention, Shruthi have a strong track record of delivering on digital distribution strategy and coordinating the development of innovative and scalable insurance products and experiences that meet the needs and preferences of diverse customers and partners.

Insurance for the New Possible

Once a month, find a new episode on Insurance for the New Possible. We gathered insurers, bankers, digital platform builders, Neo banks, airlines, and large investors to discuss the innovation, transformation, and technological evolution that is redefining the massive number of possibilities in the insurance industry.

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