DACADOO

Digital health engagement platform helping life and health insurers drive policyholder wellness

Customer Engagement Growth Series C+ (USD 71.1M across 5 rounds)

Overview

DACADOO is a digital health engagement platform provider serving life and health insurers across more than 40 countries. Founded in 2010 by Peter Ohnemus in Zurich, Switzerland, the company builds white-label mobile applications and API-based tools that help insurance operators run policyholder wellness programs grounded in behavioral science, gamification, and AI-driven coaching.

The company's core offering is its Digital Health Engagement Platform (DHEP), available as a branded white-label app, a SaaS product, or via API integration. The platform's Health Score API calculates individualized health scores on a 1-to-1000 scale, drawing on over 400 million person-years of scientific data. A complementary Risk Engine calculates mortality and morbidity probabilities, enabling insurers to integrate behavioral health data into underwriting and pricing workflows. As of July 2025, the company is extending its platform with generative AI capabilities through a strategic collaboration with Microsoft using Azure AI Foundry.

DACADOO reports serving more than 35 of the top 100 life and health insurance operators globally. Notable customers include UnitedHealth Group (via Optum), covering approximately 11.7 million lives internationally through the dacadoo platform, along with Irish Life, Southern Cross in New Zealand, and EFU Life Assurance in Pakistan. The company holds 102 granted patents across nine families and has filed 190 patent submissions, covering its health scoring and engagement methodologies.

Products & Services

Digital Health Engagement Platform (DHEP)

A white-label, mobile-first engagement platform for life and health insurers. Combines behavioral science techniques, gamification mechanics, and social features to drive sustained policyholder engagement. Available in three deployment configurations: branded white-label app, dacadoo SaaS (ready-to-use), or DHEP-API for custom integrations.

Key Features

Configurable white-label app deployable under insurer's own brand
Behavioral science and gamification-based engagement loops
AI-driven automated health coaching
Enterprise analytics measuring wellness program impact at scale

Target Users: Life and health insurance carriers

Health Score API

A patented, real-time holistic health assessment API that produces individualized scores on a 1-to-1000 scale. The scoring model is built on more than 400 million person-years of clinical data and integrates physical health, mental health, pharmacy, and blood testing inputs from wearables and third-party health data sources.

Key Features

Real-time individualized health scores (1 to 1000 scale)
Inputs from wearables, labs, mental health, and pharmacy data
Supports EU Directive 2019/882 and ADA accessibility compliance (Gen 5 platform)
RESTful API for embedding into insurer and partner systems

Target Users: Life and health insurance carriers, health technology partners

Risk Engine

Calculates mortality and morbidity probabilities using comprehensive digital health data, enabling insurers to assess risk profiles and refine pricing strategies based on behavioral health engagement signals.

Key Features

Mortality and morbidity probability scoring
Integrates with DHEP data inputs
Supports underwriting and actuarial use cases

Target Users: Life insurance carriers, reinsurers

DHEP-API

API layer enabling custom app development and ecosystem integration, allowing insurance operators to embed health engagement capabilities into their existing technology stacks and partner ecosystems.

Key Features

RESTful API for custom health engagement integrations
Connectivity to insurer core systems and partner platforms
Supports bespoke branded implementations

Target Users: Carriers with existing digital platforms, technology partners

At a Glance

Founded: 2010
Headquarters: Zurich, Switzerland
Employees: 51-200
Funding: Series C+ (USD 71.1M across 5 rounds)

Category & Focus

Category: Customer Engagement
Subcategories: Digital health platform policyholder wellness health scoring API mobile health apps
Insurance Verticals: Life & Annuity Health Group Benefits
Target Customers: Carriers

Customers

UnitedHealth Group (via Optum) -- approximately 11.7 million lives served internationally
Irish Life
Southern Cross (New Zealand)
EFU Life Assurance (Pakistan)
Aon
Albertsons
FICO