Tobecon
2 known investors
Korean digital-health fintech building medical-certificate issuance, insurance underwriting and personalized supplement services.
Also known as γν¬λΉμ½ Β· TOBECON Β· μ£Όμνμ¬ ν¬λΉμ½
Investors Β· 2
Also in the syndicate Β· 1
Company profile
researched Aug 2026Tobecon (μ£Όμνμ¬ ν¬λΉμ½) is a Seoul-based healthcare startup that builds services around the collection and analysis of health and medical data. Its portfolio comprises three consumer- and insurer-facing products. MyThirty (λ§μ΄μ¨ν°) lets users obtain medical certificates and documents on mobile without returning to the hospital in person, and file indemnity (μ€μ) insurance claims; the company describes it as Korea's first internet-based medical certificate issuance service, launched in 2015. Pillgram (νκ·Έλ¨) analyzes an individual's health checkup records and medication history to identify nutrient gaps, offers consultation with specialists and sells subscription bundles of health functional foods in split/portioned form. Moum (λͺ¨μ΄) is an intelligent insurance underwriting service that pulls roughly ten years of an individual's health information and one year of medication data to estimate biological age and disease-onset probability; the company states it is used in the alternative diagnostic (underwriting) processes of ten domestic insurers including Samsung Life.
The company positions itself as a medical fintech solutions provider, working with insurers on next-generation underwriting systems and with platforms such as KakaoPay on non-face-to-face insurance claim and hospital-document issuance flows. Company-reported figures include more than 173,000 cumulative medical certificates issued, more than 1,830,000 health checkup data records analyzed, 360 clinicians validating its AI-based recommendation system, and more than KRW 2.7 billion in cumulative investment received.
Founding story
The company was established as Tobecon Co., Ltd. in 2013 and in the same year won development work for an internet certificate issuance service at Gangnam CHA Hospital, the starting point for its medical document business.
Business model
Tobecon supplies data-driven services to insurers and financial platforms β building and operating next-generation underwriting and alternative-diagnosis systems for life insurers and providing document issuance and claims flows embedded in partner platforms β while also running direct-to-consumer services for medical certificate issuance and subscription sales of personalized health functional foods.
Revenue is associated with enterprise deployments of its underwriting and digital diagnosis systems for insurance companies, partner-platform services for medical document issuance and insurance claims, and subscription sales of personalized supplement bundles through Pillgram.
Traction
Company-reported cumulative figures: over 173,000 medical certificates issued, over 1,830,000 health checkup data records analyzed, 360 clinicians validating the recommendation system, and over KRW 2.7 billion in cumulative investment. Deployments include next-generation underwriting systems at Samsung Life, Tongyang Life, Shinhan Life, Orange Life and Hana Life, and contracts with Heungkuk Life, DB Life, DGB Life and KB Life.
Latest developments
In March 2022 Tobecon signed a business tie-up with premium welfare platform operator GMidas, reported in April 2022, and its hospital-document issuance function was added inside KakaoPay's hospital-bill claim service. In April 2022 the company relocated its office to the Gwanghwamun Finance Center. A notice convening the 14th annual general shareholders' meeting, covering fiscal year 2025, was issued on 2026-03-13 for a meeting on 2026-03-30, with agenda items including approval of financial statements, a capital increase from stock option exercise, and appointment of an outside director with a stock option grant.
βΈFull profile β market position, technology, go-to-market, geography, history
Market position
Tobecon describes itself as a medical fintech solution specialist in Korean digital health; press coverage in December 2021 reported its intelligent insurance underwriting system was in use at 11 domestic insurers and that its non-face-to-face medical certificate issuance service was expanding via KakaoPay toward some 30,000 hospitals and clinics nationwide.
The company combines access to individual health checkup and medication records with clinician-validated analytics, allowing the same data foundation to serve insurance underwriting (biological age and disease-onset prediction), mobile medical document issuance and claims, and personalized supplement recommendation. It cites first-to-market claims in Korea for internet medical certificate issuance and for a biological-age analysis app, a registered patent on its certificate issuance method, and regulatory approvals including a financial regulatory sandbox designation and a health functional food split-sale special exception.
Technology
The company collects and analyzes medical data, including health checkup records and medication histories, to power biological-age analysis, disease-onset prediction and nutrient recommendation. It holds a Korean patent for a medical certificate issuance system and method, and its AI-based recommendation system is validated by 360 clinicians. Products integrate with hospital EMR systems and insurer underwriting systems.
Go-to-market
Distribution runs primarily through partnerships and enterprise contracts: system-build deals with life insurers, integration into KakaoPay's hospital-bill claim service, hospital landings (30 hospitals including Korea University Hospital and CHA Hospital), and business tie-ups such as the March 2022 agreement with welfare platform operator GMidas. The company also participated in accelerator and government programs including Shinhan Future's Lab, Seoul Startup Hub and KEPCO KDN's ICT 4.0 startup program.
Life and general insurers (including Samsung Life, Shinhan Life, Orange Life, Hana Life, Tongyang Life, Heungkuk Life, DB Life, DGB Life and KB Life), financial and welfare platforms such as KakaoPay and GMidas, hospitals, and individual consumers seeking medical documents, insurance claims and personalized supplements.
Geography
Headquartered in Seoul, South Korea, with offices noted at the Gwanghwamun Finance Center and a registered meeting address at Noon Square, 14 Myeongdong-gil, Jung-gu, Seoul. International activity has been limited to MOUs for health-age sales agency in China and joint research with a children's hospital in Taiwan.
History
Tobecon was incorporated in 2013 and won a development contract for an internet certificate issuance service at Gangnam CHA Hospital, landing 30 hospitals including Korea University Hospital and CHA Hospital. In 2015 it launched MyThirty, described as Korea's first internet medical certificate issuance service, and registered a domestic patent for its medical certificate issuance system. In 2017 it was selected for Shinhan Future's Lab, a Seoul Startup Hub demo day award and a Ministry of Science and ICT health risk-group management project, and signed MOUs with EMR vendor BIT Computer and Daewoong Pharmaceutical (BioAge). In 2018 it released Moum, described as Korea's first biological-age analysis app, passed the Financial Services Commission's designated agent review with Shinhan Life, was selected for the FSC's delegated test, and won a Money Today innovation app award. In 2019 it built next-generation underwriting systems for Shinhan Life, Orange Life, Hana Life and Tongyang Life, signed contracts with Heungkuk, DB, DGB and KB Life, and concluded MOUs in China and Taiwan. In 2020 it was selected for KEPCO KDN's ICT 4.0 program, built Samsung Life's next-generation underwriting system, was designated a regulatory-sandbox operator for personalized split-sale of health functional foods, and launched Pillgram. In 2021 it launched Samsung Life's non-face-to-face digital diagnosis service, reached the finals of Samsung Life's Open Collaboration, launched the KakaoPay hospital-bill claim service, raised a Series A and won a fintech award for the second consecutive year. In 2022 it added hospital-document issuance inside KakaoPay's service and moved offices to the Gwanghwamun Finance Center.
Compiled by commissioned research from 6 cited public sources β announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed β not independently audited.
Timeline Β· 23
launches, deals, and filingsPremium welfare platform operator GMidas concluded a business cooperation agreement with Tobecon; announced 2022-04-17.
Non-face-to-face indemnity insurance claim service launched with KakaoPay; the company elsewhere dates the launch to October 2021.
MOU for health-age sales agency in China and an MOU for joint research on health age with a children's hospital in Taiwan.
The company describes Moum as Korea's first biological-age analysis app.
Signed an MOU with hospital EMR vendor BIT Computer and with Daewoong Pharmaceutical (BioAge); selected for Shinhan Future's Lab, a Seoul Startup Hub demo day award, and a Ministry of Science and ICT health risk-group management project.
Described by the company as Korea's first internet medical certificate issuance service; a domestic patent for the medical certificate issuance system and method was registered in the same year.
The company was incorporated and won a development order for an internet certificate issuance service at Gangnam CHA Hospital; 30 hospitals including Korea University Hospital and CHA Hospital were landed.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
βΈResearch sources Β· 6
primary sources listed
- γν¬λΉμ½, TOBECONtobecon.co.kr Β· web
6 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Tobecon do?
- Korean digital-health fintech building medical-certificate issuance, insurance underwriting and personalized supplement services.
- Who are Tobecon's investors?
- Tobecon's investors include Kiwoom Investment.