Digitising sickness- and accident insurance

We care for people who care
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95% of all KTG and UVG contracts are concluded by small companies.

In this segment in particular, margins for providers of accident and daily sickness benefits insurances are under severe pressure.

In order to save time, energy and money in the SME segment, processes must be implemented in a scalable manner. esurance automates the distribution and underwriting processes of personal insurers.

Standardised and automated end-to-end process

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Our SaaS Offering The esurance platform offers you five business services. They enable a standardized and automated end-to-end process in a white-label model.
Organisational Data Import, enrich and triage organisational data
Premium and Risk Calculate premiums and validate risk
Contractual data Automatically transmit data and contracts to core systems
Offers and conclusions Connect distribution and underwriting without media breaks
Analytics Enable data analyses
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Benefits

Consultant
  • Connection of distribution and underwriting without media breaks
  • Simple calculation of offer variants
  • Digital journey as a supportive counselling tool
Underwriter
  • Exclusive examination of relevant applications
  • Faster underwriting decisions
  • Automated transactions of data and contracts
Broker
  • Instant feedback about offer availability
  • Faster receipt of offers
  • Possibility of integrating offer and application connectors into its system landscape
End customer
  • Offer calculation in 2 steps
  • Comprehensible digital application process
  • Automatic health declaration
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From broker to software company

Vision

The day after tomorrow

95% of all accident and daily sickness benefits contracts will be standardised and processed e2e.

Scaling

Today and tomorrow

Making the solution realised for SWICA available to other market participants in the SaaS licence model.

Focus

2022-2023

Transformation to a pure Software-as-a-Service (SaaS) provider focussing on the automation of accident and daily sickness benefits insurance distribution and underwriting processes.

Reinvention

2018-2022

With Gastroversicherungen.ch and SWICA INTEGRA, the distribution processes of Switzerland’s largest daily sickness benefits insurer have been successfully digitalised.

Formation phase

2013-2018

InsurTech (with broker licence) with the idea of launching a type of e-banking for insurances.