Revolutionizing Life and Health Insurance Through Technology
The COVID-19 pandemic has reshaped the life and health insurance industry, pushing insurers to move beyond traditional models and embrace a more service-oriented approach. Today, consumers expect personalized, value-added services that go beyond policy transactions. dacadoo, a pioneer in digital health engagement, is helping insurers meet these evolving demands with its Digital Health Engagement Platform (DHEP) and Health Risk Quantification solutions—innovative tools designed to create stronger, more personalized customer relationships while optimizing operational efficiency.
A Legacy of Innovation
Founded in 2010 by Peter Ohnemus, dacadoo was built on a mission to improve global health by offering engaging, data-driven digital health solutions. The company spent five years developing its Health Score, a scientifically validated metric that provides users with a real-time, holistic assessment of their overall well-being. By integrating the Health Score into its Digital Health Engagement Platform, dacadoo quickly became a trusted partner for health insurers. Expanding on this success, the company developed its Risk Engine, a powerful tool that enhances insurers' pricing and underwriting processes by providing precise risk assessments, enabling seamless Straight-Through Processing (STP).
Advanced Technology for Smarter Engagement
While Digital Health Engagement Platforms (DHEPs) are becoming a key focus for insurers, dacadoo’s unique approach sets it apart. Its intuitive Wheel of Life interface enhances user engagement by tracking seven essential health areas:
- Nutrition
- Sleep
- Mindfulness
- Physical Activity
- Mental Wellbeing
- Physical Health
- Consumption of Nicotine, Caffeine, and Alcohol
This comprehensive approach ensures a more accurate representation of a user’s health, which is continuously refined through the latest research. At the heart of the platform is the Health Score, a dynamic number ranging from 0 to 1,000 that evolves based on real-time data. Complemented by personalized recommendations from dacadoo’s smart coach, users receive tailored guidance to improve their well-being.
dacadoo follows the REF principle—technology that is Relevant, Easy, and Fun—ensuring that digital health engagement is both effective and enjoyable.
Driving Business Growth for Insurers and Employers
dacadoo’s solutions cater to life and health insurers, as well as corporate wellness programs. The DHEP is available as a white-label platform or through API integration, allowing insurers to customize it based on their brand and existing infrastructure. The platform seamlessly connects with Bluetooth smart devices and integrates new data from Apple Health, such as mindful minutes and resting heart rate.
For organizations with existing wellness apps, dacadoo’s API enables them to incorporate scientifically backed health engagement features into their platforms. Meanwhile, its Risk Engine offers a simplified yet powerful tool for insurers, enabling risk calculations without storing sensitive personal data.
Proven Results in Employee Wellness
Beyond insurers, dacadoo works with employers and brands that prioritize corporate health. A European employer recently partnered with dacadoo for a nine-month workplace wellness program, achieving:
- 73% employee participation
- 34%–50% engagement rate (DAU/MAU)—significantly higher than the industry standard of 20%
- An average Health Score improvement of 28 points, rising from 570 to 598
These results highlight dacadoo’s ability to drive meaningful health improvements while increasing engagement—key factors in fostering long-term business success.
A Vision for the Future
dacadoo is continually innovating to expand its influence in the digital health engagement landscape. With offices in the U.S., Europe, and APAC, the company is strengthening its global presence and preparing to launch a groundbreaking new product that will further revolutionize digital health. As in-person events resume, dacadoo is eager to reconnect with industry leaders at key conferences and summits.
Founder Peter Ohnemus, a veteran in high-tech and biotech investments, has played a pivotal role in multiple IPOs and business exits. He is a frequent speaker at major events like the World Economic Forum (WEF), Fortune Brainstorm Health, and Mobile World Congress, and he shares his expertise in digital innovation and entrepreneurship at top universities such as ETH Zurich and Bocconi University.
As the demand for digital health solutions grows, dacadoo remains at the forefront—helping insurers and businesses alike redefine health engagement for a better, healthier future.