DHEP-API

Build your own digital health apps or add functionalities to your existing ecosystem.

DHEP White Label (DHEP-WL)

Use our configurable software to publish your own branded health and wellbeing apps.

dacadoo SaaS

Give your customers access to the ready–to–use dacadoo health app. 

Health Score

Use Health Score feature as part of our holistic DHEP solutions or integrate it as standalone functionality via HS-API.  

Explore all our DHEP solutions

Acquire Customers

Become a leader in proactive digital health promotion and attract new customers to your business. 

Retain Customers

Foster long-term loyalty and reduce attrition among your customers and employees by engaging them in their health and wellbeing.

Engage Customers

Use personalized data-driven insights, wellbeing advice, and incentives to boost customer engagement and increase cross-selling and up-selling opportunities. 

Find out more about how dacadoo can help you!

Insurers

Promote healthier lifestyles among members to mitigate risk, increase sales, and reduce customer churn.

Health Providers

Attract and retain customers by empowering them to make better lifestyle choices and improve overall wellbeing.

Retailers

Use data-driven customer insights to make personalized recommendations that drive engagement and sales.

Employers

Promote a healthier lifestyle among the workforce to enhance productivity, reduce absenteeism and sick days, and foster a positive wellbeing culture.

Banks

Cross-sell life or health insurance to your existing customers or use lifestyle data to create personalized offers that drive customer acquisition and engagement.

Find out more about how dacadoo can help you!

Management Team

Meet our Management team, whose expertise, passion, and innovation are transforming the healthcare engagement landscape.

Scientific Advisory Board

Comprising renowned healthcare and data experts, our Scientific Advisory Board ensures the scientific rigor and efficacy of our health engagement technology.

Our Team

Get to know the dedicated individuals powering our daily operations. Our dynamic and collaborative team is the heartbeat of our organization.

White Papers & Reports

Get the latest in-depth industry research trends and analysis.

Infographics

Visualise our latest health data and understand how dacadoo supports businesses globally.

Webinars

Watch our latest recordings with leading speakers. Gain industry insights and expert guidance.

Flyers

Download industry flyers. Deep-dive into our suite of customer health engagement and health risk quantification solutions. 

Use Cases

Explore our Use Cases for great examples of how our clients have transformed with the use of our technology.

The Risk Engine: Supporting Underwriting With Speed And Accuracy

•   2 minutes read

Did you know that four of the top five risk factors contributing to the global disease burden are modifiable lifestyle behaviors?

It has been demonstrated that key modifiable lifestyle factors (like smoking, lack of physical activity or a poor nutrition) are the leading cause behind the Non-Communicable Disease (NCD) epidemic. Yet, insurers fail to accurately take into account lifestyle risk during the underwriting process, making their estimations unsuitable to quantify today’s health risks.

Consequently, life and health insurers are left with vague risk estimations based on outdated traditional risk charts, which are followed by unfairly priced premiums that consumers don’t understand. To top it all off, they face an unnecessarily long underwriting process that’s neither efficient nor profitable.

The cycle of this costly time-to-issue dilemma has been tried to solve for quite some time now, to no avail. This is the main reason why we decided to invest many years of research into developing our Risk Engine; because we believed we could help underwriters do better.

After all, underwriting is at the very core of the insurer’s profitability and business model.

The Confidence Underwriters Lack

With as few as four and as many as 80+ data points our Risk Engine produces a set of estimates with 60+ values for each person, including imputed values – or conditional expectations – for what’s missing. It provides a set of estimations for mortalities, morbidities and many data points normally not considered.

It provides more insights on life being underwritten; no longer needing to wait for additional information, such as the physical assessment, blood values or doctor’s notes, hence being able to take part in the customer-friendly and less invasive fluidless underwriting.

Our Risk Engine is based on more than 300-million-person years of data from scientific research and it groups data into four categories for seamless underwriting: biometrics, diagnosed diseases, family history and modifiable lifestyle behaviors.

With a speed of just seconds and a ROC-AUC of 90.2%, underwriters can focus on issuing policies with confidence and speed.

It also enables the best of both worlds: a model that is both high-dimensional and absolute.

The Future Of Dynamic Pricing

Coupled with continuous data flows, such as the ones provided by our Digital Health Engagement Platform (DHEP), underwriters can take advantage of our Risk Engine’s capability to underwrite-as-they-live, producing real-time, fairer priced insurance premiums that the consumer finally understands.

Using our DHEP in conjunction with the Risk Engine will help boost customer acquisition and retention, as you will differentiate your brand with a unique wellbeing platform, while also showing that you care about your stakeholders’ health, thus joining our #WECARE strategy.

 

Find out more about our Risk Engine by watching our video or request a complimentary demo.

https://youtu.be/aCdAbbKVLvU

Chief Operating Officer

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