Fjuul

Wellness and activity platform helping insurers reward healthy behavior and improve risk outcomes

Customer Engagement Established Seed

Overview

Fjuul is a wellness and physical activity platform for insurance companies and corporate employers, operating within the life and health insurance space. The company builds technology that converts biometric movement data into structured engagement programs, enabling insurers to offer loyalty rewards, dynamic pricing, and prevention-based products anchored in measurable activity.

The platform is delivered as a mobile-first, plug-and-play integration requiring minimal IT development from partners. It captures data from smartphones, wearables, and sensors, and uses MET (Metabolic Equivalent Task) units to standardize activity measurement across devices. Partners access personalized coaching, predictive analytics, and big data analytics modules through the Fjuul API.

Fjuul reports programs deployed at 100,000+ user scale. Notable partnerships include Helsana (Switzerland), where the platform supports over 170,000 users in what is described as the top-ranked insurance bonus program in Europe, Nordea Life & Pension Finland, and reinsurer SCOR, which integrates the Fjuul platform with its Bio Age Models for retail and corporate insurance client portfolios. The company was backed by Plug and Play Insurtech, Kickstart Accelerator, Mundi Lab, Butterfly Ventures, and Vertical.vc in a Seed round completed in April 2019.

Products & Services

Fjuul Wellness Platform

A mobile-first wellness platform that integrates with insurance and corporate services via API, capturing biometric and activity data to drive engagement programs. The platform requires minimal IT overhead from partners and supports programs at 100,000+ user scale.

Key Features

MET-based activity measurement standardizing data across smartphones, wearables, and sensors
Personalized coaching and engagement modules
Big data analytics and predictive modeling
Pay-per-use pricing model

Target Users: Life and health insurers, reinsurers, corporate HR and benefits teams

Insurance Solutions

Modules built specifically for insurance use cases including dynamic bonus and loyalty schemes, data-driven underwriting support, and prevention-based product design.

Key Features

Dynamic bonus programs rewarding policyholder activity
Biometric risk indicators for underwriting and dynamic pricing
Prevention-focused product frameworks supporting "predict and prevent" models
Privacy by design data handling

Target Users: Life, health, and disability insurers; reinsurers running Bio Age models

Corporate Wellness

Employee wellness programs integrated with corporate health benefits, designed to support healthy behavior adoption at the workplace.

Key Features

Employee engagement programs with measurable activity goals
Integration with corporate health and insurance benefit platforms
Wellbeing initiatives supporting preventive care

Target Users: Employers, group benefits administrators

At a Glance

Founded: 2013
Headquarters: Sipoo, Finland
Employees: 11-50
Funding: Seed

Category & Focus

Category: Customer Engagement
Subcategories: Wellness platforms Loyalty & bonus programs Dynamic pricing Activity tracking
Insurance Verticals: Life & Annuity Health
Target Customers: Carriers, Reinsurers, Employers

Customers

Helsana (Switzerland) - 170,000+ users; top-ranked insurance bonus program in Switzerland and Europe
Nordea Life & Pension Finland - Nordea MyLife Go, with 9 of 10 customers selecting the product; rewards up to 25% increase on insurance sum
SCOR - Integrated with Bio Age Models for retail and corporate insurance clients
Pohjola