November 16th, 2020

Insurers to deploy integrated digital ecosystems to elevate customer experience

Zurich, Switzerland – The Swiss Health and Insurtech company dacadoo has conducted an insurance industry research project to better understand how insurance executives perceive the next normal in a disrupted world.

The Global Integrated Insurance Operator Survey ran throughout October 2020 and collected responses from an audience of over 300 Life & Health insurance executives globally.


The main objectives behind this research initiative were to find out how insurance executives are reacting to the vast changes brought by the Covid-19 pandemic, in addition to discovering how they see their organizations changing within the near future and whether digitization and customer-centricity has become an important part of that transformation.


Setting the backdrop for the digitally integrated insurer


Consumers’ shifting demands are now combining with digital innovation to transform analogue business models, with record funding being allocated towards Insurtech developments, even against a backdrop of the coronavirus pandemic.


“Many insurers have failed to fully grasp the magnitude of the changes that are happening,” explains Peter Ohnemus, President & CEO of the Health and Insurtech firm dacadoo, which provides digital health engagement and health risk quantification systems to insurers. “Few of the current operators were founded recently or are operating based on today’s consumer behavior, and they don’t reflect the expectations of the mobile-first, digital and dynamic generation.”


Ohnemus believes that the insurers that will truly grow and define the next ten to twenty years in the industry will be integrated insurance operators; those who offer a fully integrated digital ecosystem, including a tangible health and wellbeing proposition, to elevate the customer experience and engage their members through mobile-first digital health engagement platforms. “They will drive the disruption from within,” Ohnemus explains.


“For the insurers, building and leading integrated health and wellbeing digital ecosystems means they will have a unique understanding of a consumer’s life, while the consumer gains relevant health advice and personalised lifestyle navigations,” says Ohnemus. “Such micro-services and lifestyle-based insurance products will become extremely popular, as long as customer privacy and trust are retained and a

good mobile experience is delivered.”


Key findings from the survey

© dacadoo, Global Integrated Insurance Operator Survey, October 2020. 116 surveyed online, 200 personally interviewed.

To access the full report please click here.

About dacadoo

dacadoo licenses its Digital Health Engagement Platform, including its Health Score, to Life & Health insurance operators (B2B), supplying Insurtech and health-tech solutions to over 35 of the top 100 Life & Health insurance operators globally. Available in over 15 languages, dacadoo’s technology is provided as a fully branded, white label solution or it can be integrated into customers’ products through its API. Through its ‘Connect, Score, Engage’ offering, dacadoo supports Life & Health operators to motivate their clients to lead healthier lifestyles through its SaaS-based Digital Health Engagement Platform. dacadoo also provides its Risk Engine, which calculates relative risk on mortality and morbidity in real-time. dacadoo has over 115 employees across locations in Europe, North America and Asia-Pacific and over 100 filed patents around their digital Life & Health solutions.

For more information, visit

Contact: Rogier Keemink,

Download PDF
Download PDF
About dacadoo

dacadoo is a Swiss technology company that develops technology solutions for digital health engagement and health risk quantification. Our Enterprise SaaS based digital health engagement platform (DHEP) is a mobile-first solution that leverages behavioural science, AI, and gamification to help end users improve their health and wellbeing, while helping clients from various industry segments improve customer engagement and loyalty through personalization. This platform is available in over 18 languages and can be licensed as a white label offering or through APIs to develop /enhance customer solutions. Our award-winning Health Score and Risk Engine are also available for license through APIs. dacadoo’s 85 global employees are committed to making the world a healthier place. We strongly value security and privacy, with an information Security and Privacy Management System certified to ISO 27001 and ISO 27701 standards.