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dacadoo Health Engagement Platform, Health Score and Risk Engine

Released 01 November 2022
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dacadoo, named in 2021 “Cool Vendor in Insurance” by Gartner, and Leader in Risk 2022 by CB Insights, licenses its Digital Health Engagement Platform, including its Health Score and Risk Engine to Life & Health insurance operators (B2B), supplying Insurtech and health-tech solutions to over 35 of the top 100 Life & Health insurance operators globally. Available in over 18 languages, dacadoo’s technology is provided as a fully branded, white label solution or it can be integrated into customers’ products through its API. Through its ‘Connect, Score, Engage’ offering, dacadoo supports Life & Health operators to motivate their clients to lead healthier lifestyles through its SaaS-based Digital Health Engagement Platform. dacadoo also provides its Risk Engine, which calculates relative risk on mortality and morbidity in real-time. dacadoo has over 120 employees across locations in Europe, North America and Asia-Pacific and over 100 filed patents around their digital Life & Health solutions. dacadoo is entirely committed to privacy and security, hence why it designs and operates its solutions in line with industry standards, laws and regulations such as the Swiss Federal Act on Data Protection, GDPR, and HIPAA. Its Information Security and Privacy Management System is certified according to world-renowned ISO 27001 and ISO 27701 standards.

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Contacts

Photo of Jos Cobben
Jos Cobben
dacadoo ag
VP Emea & LatAm and Digital Underwriting
Switzerland
Photo of Vera Wilke
Vera Wilke
Hannover Re
Solution expert

dacadoo Overview - Health Engagement Platform, Health Score and Risk Engine

Health Engagement Platform

Empowering you is good, but engaging you in a healthy lifestyle is more important!

dacadoo develops and operates a comprehensive Digital Health Engagement Platform (DHEP) to motivate users to achieve and maintain healthy lifestyle habits. The platform combines motivational techniques from behavioral science with functions from online gaming and social networking as well as automated, digital coaching to activate and engage its users.

It works as a personal health coach in users’ pockets, rewarding them for personal achievements and helping them to attain their goals and combines motivational techniques derived from behavioral science, with functions from online gaming and social networks that involve users in their holistic health – Body, Mind and Lifestyle.

By combining the patented dacadoo Health Score with personalized health coaching via the rule and AI-based automated coach (Lifestyle Navigator), dacadoo customers can achieve high levels of long-term user engagement.

Health Score

Live healthy and active with dacadoo!

The dacadoo Health Score is a number between 0 and 1,000 representing overall health. It increases or decreases in near real-time, depending on how a user’s mental and physical health, nutrition, activity, sleep, self-control and mindfulness data change over time.

The score is normalized by age and gender to support comparison and benchmarking. The ability for users to compare themselves with people of a different age and gender is one of the key reasons why we opted for a score, as opposed to an age-related indicator.

It is based on over 300 million person-years of clinical and real life data, and it can track up to 100 data points across an individual’s Body, Mind and Lifestyle – thus representing holistic health. 

The Health Score changes in real-time according to the user’s physical state, emotional wellbeing and lifestyle behavior.

Risk Engine

The dacadoo Risk Engine calculates adverse health event probabilities based on a novel scientific model that includes more than 300 million people years of clinical data. 

Up to 92 data points can be inserted in the dacadoo Risk Engine but it works with as little as 4 data points (age, gender, height and weight). The risk engine produces full data sets with 92 data points for each person by imputing estimated values for any missing, self-reported data. For example, if only age, gender, height and weight of a person are provided, the engine will impute the 71 missing data values, including blood values and other biometric data. The engine also predicts various disease risks (e.g. Diabetes type II, Hypertension, Metabolic Syndrome, etc.) and calculates all-cause mortality for the chosen time horizons (1 to 15 years). 

Data obtained via dacadoo’s Risk Engine: 

  • Full data set of 92 data points for each person including imputed health-related values of all missing data points
  • Prediction of various disease risks 
  • All-cause, cancer and cardiovascular mortality 

The dacadoo Risk Engine can be accessed for one time or ongoing use and its output will support advanced analytics and pricing for accelerated underwriting, as well as dynamic underwriting to allow flexible premium pricing.

Technology Access via API

We provide access to our technology components via a RESTful Application Programming Interface, the dacadoo API (OAuth 2.0 and OpenID).

Customers make use of this to build their own user-facing applications. Offering a different user experience (UX) and user interface (UI) to our white label product. You may also add our functionalities and services to existing applications.

Customers who wish to make use of our technology for health risk quantification, and are interested in obtaining mortality and morbidity risks based on limited data input, will access our Risk Engine.

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dacadoo ag
Switzerland

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