case studies from

InsurTech Insights

Banner topic Apps in the Corona Pandemic


The importance of health apps in maintaining physical activity during the Covid 19 pandemic

Banner EIT Digital Accelerator

09.04.2021 wants to enter the European digital health market with the help of the EIT Digital Accelerator programme. (in English)

Banner Topic The influence of Corona on digitalisation


Living with Corona. Let's take a look at the status quo and the impact of the pandemic on the digitization of healthcare.

Banner Health Survey February


Health is our most valuable asset - which measures are taken for a healthy life, we determine with the surveys.

Meditation apps banner


Meditation apps - a megatrend that took hold especially during the Corona pandemic. But are these the solution for more mindfulness in everyday life?


Artificial intelligence (AI) has long been part of our reality. AI-based technologies have also long since found their way into the healthcare sector.


Digital health apps - what exactly is behind an "app on prescription" and what legal basis applies here.

Banner health data


Health data - Why it needs special protection and what role the GDPR plays in this. 

Banner Digitisation Health System


DVG, PDG, DSGVO and DiGa - abbreviations that are often used in connection with the digitization of healthcare.

Banner Digital Health Management in Companies


New technologies and digitalisation of the world of work and their impact on occupational health management (BGM).

Sebastian Pitzler


In an interview with Sebastian Pitzler: Prerequisites for successful cooperation with insurtechs and insured persons.

Interview with Dr Karsten Neumann


Dr Karsten Neumann (Partner at Roland Berger) in an interview about the digital transformation in the healthcare industry.

banner Interview Min Sung Sean Kim


Venture capitalist and fund advisor Min-Sung Sean Kim in an interview about the potential of digital health start-ups.

YAS founder Magnus talks to Dr Elmar Waldschmitt.


Dr Elmar Waldschmitt, Managing Director of Healthy Hub, in an interview about the new digital law, among other things.

Magnus Kobel and Christian Macht in Berlin

10.07.2019 founder Dr Magnus Kobel in an interview with Dr Christian Macht about start-ups and the digitalisation of insurance.

What is InsurTech?

In the course of digitalization, which was initially somewhat slower to arrive in the insurance industry, the industry-specific term INSURTECH has emerged in recent years. There is no official definition. This neologism is a combination of insurance and technology and is an offspring of the FinTech scene that has already existed on the market for some time (e.g. PayPal). InsurTechs are technological companies that have focused on services within the insurance world. It is not uncommon for Big Data and AI to play a significant role in this context in order to offer innovative insurance products or services. The optimisation of insurance processes can also be a focus of InsurTechs.

Opportunities for insurance companies

InsurTechs can help modernise the insurance industry by speeding up formal processes, developing new consulting methods or innovative and more transparent insurance models. Stefan Wittmann, Director Life/Health Operations at Deutsche Rückversicherung AG, said at the InsurTech Conference 2019: "Working with startups is extremely rewarding, as InsurTechs can help the big players in insurance to become more agile, entrepreneurial and inventive. InsurTechs offer enormous opportunities for better customer service, cost-saving potential and greater efficiency, which means a clear competitive advantage. Digital solutions also convey the image of the innovative and contemporary insurance company to the outside world. In addition, the motto "prevention instead of cure" has not only arrived in the healthcare market, but is also making sense for the insurance industry. Risk prevention instead of risk management is coming more to the fore in the context of new digital product ideas.

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 with them.

How does insurance work?

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

What is reinsurance

Reinsurance is insurance for an insurance or reinsurance company. This compensates for the underwriting risk of major claims. 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. for your company

Offer your target group a tailored solution for digital health prevention as a free bonus program. 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 insurances, private insurances or as part of company health management. for companies