Ruji Insurance, a Thai digital insurer, marks its 10-year anniversary with strong financial growth: GWP tripled from 1.04B baht (2564) to 3.02B baht (2568), with H1 2569 GWP at 1.6B baht and net profit of 212M baht. Combined Ratio improved to 86% (H1 2569). The company is expanding product portfolio (EV insurance, travel insurance, classic car insurance) and integrating AI across operations while maintaining human oversight. Strategic targets include 6% market share in auto insurance (vs. 2.8% currently) and 20% nonmotor premium mix by 2573, plus 10% international GWP. Key growth drivers: EV transition and price-conscious consumers; challenges: increasing natural disaster costs (8% in 2568 vs. 1-1.5% historically).