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InsurTech Insights

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Digital health management for companies

New technologies and digitalisation are eagerly entering more and more areas of our lives. This is also true for the setting of the working world, where job profiles are subject to significant change and managers and employees alike are faced with new challenges. Changes in working life also affect company health management (BGM).

What is Insurtech?

In the course of digitalisation, which initially was a little slower to arrive in the insurance industry, the industry-specific term INSURTECH has developed in recent years. There is no official definition. This neologism is composed of insurance and technology and is an offshoot of the FinTech scene (e.g. PayPal), which has been on the market for some time. InsurTechs are technology companies that focus on services within the insurance world. In this context, Big Data and AI often play an essential role in offering innovative insurance products or services. The optimization of insurance processes can also be a focus of InsurTechs.

Opportunities for insurance companies

InsurTechs can help modernise the insurance industry by accelerating formal processes, developing new consulting methods or innovative and more transparent insurance models. Stefan Wittmann, Director Life/Health Operations at Deutsche Rückversicherung AG, comments at the InsurTech Conference 2019: "Working with start-ups is extremely enriching, after all, InsurTechs can help the major players in the insurance industry to become more agile, entrepreneurial and inventive". InsurTechs offer enormous opportunities for better customer service, cost saving potential and increased efficiency, which means a clear competitive advantage. Digital solutions also convey the image of the innovative and contemporary insurance company to the outside world. Furthermore, the motto - prevention instead of cure - has not only arrived in the health market, but also shows its usefulness for the insurance industry. In the context of new digital product ideas, risk prevention instead of risk management is becoming more important.

Digital Touchpoints in InsurTech

Insurance-specific apps - such as's white label solution with the digital bonus program for health insurance companies - offer completely new ways to interact with policyholders and thus communicate relevant topics or content to them.

How does insurance work?

The basic idea of insurance is based on the solidarity principle "All for one": the risk of a claim is borne by the insurance community. Many insured persons pay insurance premiums (premiums), with the insurance company acting as the collecting point. If a claim occurs for an insured person, he receives the agreed claim payment from the collection pot of premiums.

What is a reinsurance

Reinsurance is the insurance for an insurance or reinsurance undertaking. It compensates for the underwriting risk of major losses. The symbiosis of reinsurers (actuarial know-how & financial support) and start-ups (100% digital orientation) can also produce disruptive solutions. For example, and Deutsche Rück AG have been working closely together since 2017 to develop innovative insurance products.

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Offer your target group a tailor-made solution for digital health prevention as a free bonus program. In this way you promote more exercise and a healthy lifestyle. Based on our experience with the YAS app, we offer you individual solutions: whether for statutory health insurance companies, private insurance companies or within the scope of company health management. for companies