About Us

MicroUmbrella.com is owned and managed by WECARE TECH LLP. It is an organization incorporated to sell, promote and market insurance products. MicroUmbrella core objective is to redefine the insurance industry, by injecting simplicity, transparency and technology into an industry that often lacks these three elements.

We’re committed to creating an insurance experience that is simple, fast and very affordable. Unlike any other insurers, we gain nothing by delaying or denying claims because we take a fixed fee! This way, our customers are rest assured that we work hand-in-hand with our underwriter to manage and pay claims super-fast.

We care, that’s why we constantly select coverage plans that protect the financial security of any individual, and constanthly ensure that all our coverage plans do pay out claims super-fast.

MicroUmbrella coverage plans are underwritten by HL Assurance. HL Assurance is a member of Hong Leong Group, a leading conglomerate with diversified businesses in banking and financial services, manufacturing and distribution, property development and investments, hospitality and leisure, and principal investment with presence in Asia, Europe, North America and Oceania. HL Assurance is a licensed general direct insurer and also a member of General Insurance Association in Singapore

How is MicroUmbrella different from traditional insurers?

Traditional insurer makes a profit when a claim is being rejected. This means, the more claims they rejected, the more profits they make, and the losing end is the customers. According to independant reports in many countries, more than 40% insurance consumers gave feedbacks that getting their claim money is slow and claim procedure is troublesome.

MicroUmbrella was built differently. We take a fixed fee out of the premium, the rest goes to paying insurance coverage. Unlike traditional insurers, we're not in conflict with our customers, hence, we're happy to assist our customers to obtain claims fast, without any fuss or hassle.


Protecting 25% of the population we serve.


We are committed to embrace SERVICE ABOVE SELF towards:

  1. Common Purpose to protect the under-served group;
  2. Effective People who are passionate to serve;
  3. Innovative Products which offer real protection;
  4. Efficient Processes to optimize claim efficiency and effectiveness