grape insurance AG
Employee insurance and absence management for Swiss companies
Overview
grape insurance AG is a Swiss employee insurance MGA targeting mid to large-sized companies with group health and absence insurance products. Founded in November 2021 by Gregory Inauen and Fabian Maechler, the company operates as a Managing General Agent with Quantum Leben (Liechtenstein) as its risk carrier, underwriting Krankentaggeld (daily sickness allowance), UVG(Z), and BVG insurance lines.
The company underwrites employee insurance programs under binding authority from Quantum Leben, which carries a solvency ratio above 170%. grape combines insurance underwriting with an integrated B2B SaaS platform that automates HR and insurance administration, claims processing, and absence management. The platform connects with 50+ Swiss HR and payroll systems, including Perseo, Sage, and SAP SuccessFactors.
grape serves a base of over 30,000 insured employees representing CHF 2.5 billion in annual insured salaries, with over 1,000 claims processed annually. The company distributes through a growing broker and distribution partner network. In May 2026, grape received the SEF.Growth High Potential Label, recognizing it as one of five high-potential Swiss scale-ups.
Products & Services
KTG Kombi
Customizable daily sickness allowance insurance with integrated platform access for HR administration and claims management.
Key Features
- Flexible sickness allowance configuration
- Integrated absence management dashboard
- Automated payroll adjustment notifications
Target Users: Mid to large-sized Swiss employers
Distribution: Broker and distribution partner network
KTG Kurzfrist
Short-term sickness allowance coverage for the first 1 to 30 days of employee absence.
Key Features
- Coverage from day 1 through day 30
- Digital claims submission
- Real-time case tracking
Target Users: Swiss employers seeking short-term gap coverage
Distribution: Broker and distribution partner network
KTG Langfrist
Long-term sickness allowance coverage extending up to 730 days.
Key Features
- Coverage up to 730 days
- Case management and coordination
- Integration with disability rehabilitation programs
Target Users: Swiss employers seeking extended absence coverage
Distribution: Broker and distribution partner network
UVG(Z) and BVG Programs
Occupational accident insurance (UVG/Z) and occupational pension insurance (BVG) products rounding out the employee insurance suite.
Target Users: Swiss employers required to carry statutory coverage
Distribution: Broker and distribution partner network