A cutting-edge digital experience from application through to health engagement

Real-time health data opens up opportunities for risk assessment, product design and pricing. To unlock the full potential, data has to be understood, analysed and translated into actionable business information. Together, Hannover Re and dacadoo offer life and health insurers a comprehensive technical solution that enables customer engagement and pay-as-you-live insurance products with variable premiums based on individual health data.

Cooperation partner

  • dacadoo: insurtech company


  • Combination of hr | ReFlex with dacadoo’s health engagement platform
  • Seamless user experience
  • Real-time health information
  • Products with flexible premiums based on consumers’ current health status

Target group

  • Health-conscious consumers with attractive risk profiles


  • Switzerland

Hannover Re’s contribution

  • Automated underwriting via hr | ReFlex
  • Lifestyle product know-how
  • Expertise in the analysis of lifestyle data
  • Bringing the joint solution to insurers
  • Reinsurance capacity



dacadoo & Hannover Re (2019)