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  1. dacadoo
1 September 2017

The real-time health score and digital engagement platform for life insurance

Life insurers now realise that building digital relationships with clients is essential to remaining competitive.  This is a pivotal opportunity for both startups and incumbents who can effectively deliver new mobile strategies to acquire, underwrite, and increase the value of customers throughout their life.  Customers expect speed, simplicity, and 24/7 service delivered on demand.

Digitization of life insurance, along with health insurance, will transform these two highly regulated industries significantly in the years to come. Digital mobile lifestyle solutions will play a significant role in engaging and motivating people to adopt healthier lifestyles.

dacadoo’s Real-Time Health Score and Engagement Platform

dacadoo is a leading mobile and digital health platform, which enables users to live more active and healthy lives.  dacadoo’s focus is to strengthen health and wellbeing through ongoing engagement, a positive feedback loop and coaching. The comprehensive digital health engagement platform motivates users with gamification and unique programs to help individuals hit their personal health goals.

dacadoo calculates a personal Health Score, a scientifically calculated number from 1 (low) to 1,000 (high) based on over 200 million people years of clinical data, which gives the user an immediate outcome and makes sense out of a large amount of data points. The Health Score changes in real-time, depending on biometric values, emotional well-being and lifestyle (exercise, nutrition, stress and sleep). The Health Score’s underlying risk calculations include all-cause mortality and the risks of acquiring most major diseases, which can be used to dynamically underwrite members and recognise cross-sell and upsell opportunities.

Benefits for users and key features

The dacadoo Health Score provides people with a new quantified view of their health, as well as new ways to manage and improve their health. With the dacadoo Health Score, it’s easier for people to think of their health as an asset.  Users can trust that dacadoo holds data privacy and data confidentiality of the individuals to the highest standards.

dacadoo provides flexibility in tracking a vast array of lifestyle data for the user. In addition to the integrated fitness tracker in the dacadoo app (iPhone, Android), dacadoo also supports many of the most popular fitness tracking devices and apps, such as Fitbit, Jawbone, Withings, Garmin, Polar, Suunto, TomTom, Misfit, Runkeeper, Endomondo, Moves, Strava, and Apple Health.

Personalized coaching and programs provide further motivation to engage with the platform and work towards exercise and nutrition goals.

Some of dacadoo’s key features are:

  • Mobile-first digital solution
  • Health and lifestyle data in real-time with a holistic approach to health & wellbeing
  • High level of data security and privacy
  • Accessible globally in over 11 languages
  • Speed to market
  • Fully brandable (white label)
  • Integrated reward/points system to motivate healthy behavior
  • Powerful built-in custom challenges
  • Lifestyle feedback from the AI-based coach system
  • Designed as an open platform/API, it is device and app agnostic
  • Underlying risk models that can be used in dynamic underwriting

Digital opportunities for life insurers

Life insurers can use the Health Score to meaninfully engage customers starting at the time of acquisition.  Members can be shown their baseline Health Score and immediately start using the platform, joining programs and challenges that are fun and also help them to live healthier.  Users can work towards personal health goals such as eating better and being more active with the help of the dacadoo coach, all of which provides ongoing engagement with your brand.  Opportunities to cross-sell and upsell can be determined, such as users having a baby or being on track to outlive their retirement.  dacadoo creates healthier, more loyal customers for life.

Founder of dacadoo

Peter Ohnemus is the founder, chairman, president, and CEO of dacadoo. Peter is an experienced entrepreneur and has been involved in high-tech and bio-tech investments over the last 25 years, which has led to four IPOs, and multiple trades sells. Peter co-founded ASSET4, the world’s leading provider of extra-financial information in 2004, which was sold to Thomson Reuters in November of 2009. Mr. Ohnemus previously held senior executive positions with Sybase, Logic Works, The Fantastic Corporation and COS, which are all went public during his tenure.



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