# VERSICHERIX AG

> P2P insurance platform using blockchain and smart contracts for on\-demand policy creation and automated claims processing

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Lohn-Ammannsegg, Switzerland |
| Founded | 2016 |
| Stage | Growth |
| Funding | Series A/B/C+ |

## Overview

VERSICHERIX AG is a Swiss insurance technology company that provides a peer-to-peer insurance platform built on blockchain, smart contracts, IoT, and AI. Founded in 2016 in Lohn-Ammannsegg, Switzerland, it operates a P2P insurance model targeting consumers with on-demand policy creation and fully automated claims processing across personal and small commercial lines.

The platform enables users to configure and purchase insurance policies without paper-based processes or intermediary involvement. Smart contracts manage the policy lifecycle and trigger automatic claim payments based on predefined conditions. Policyholders join solidarity pools where claims draw from a shared fund; excess claims are covered by a separate VERSICHERIX reserve fund. Blockchain provides the consensus and transparency layer for both policy records and claims execution.

VERSICHERIX covers transport, machine breakdown, e-bike, and solar panel (photovoltaic) risks. The company has raised USD 18.1M from 14 investors across multiple rounds and was cited in Chambers and Partners Global Practice Guides as an example of P2P insurance innovation in Switzerland.

## Products & services

### Insurance Policy Platform

An on-demand policy creation and management system that allows users to build customized insurance coverage without manual processes. The platform operates 24/7 across the full policy lifecycle.

**Key features:**

- On\-demand policy configuration and issuance
- 24/7 policy management without human intervention
- Blockchain\-based policy records

*Target users:* Individual consumers and small business owners

### Automated Claims Processing

A smart contract-driven claims system that executes payments automatically based on predefined conditions and blockchain consensus, removing manual adjudication.

**Key features:**

- Smart contract\-automated claims execution
- 24/7 claims submission and processing
- No manual intervention required

*Target users:* Policyholders

### P2P Insurance Platform

A peer-to-peer pooling mechanism where policyholders form groups contributing to a shared claims fund. Excess claims beyond the pool are covered by a VERSICHERIX reserve fund.

**Key features:**

- Solidarity\-based policyholder pooling
- Blockchain\-enforced consensus and transparency
- Reserve fund backstop for excess claims

*Target users:* Consumers seeking community\-based insurance alternatives

### Specialty Insurance Products

Specific insurance lines offered through the platform:

**Key features:**

- \*\*Transport Insurance\*\*: Coverage for transportation risks
- \*\*Machine Breakdown Insurance\*\*: Coverage for machinery failures
- \*\*E\-Bike Insurance\*\*: Coverage for electric bicycles
- \*\*Photovoltaic Coverage\*\*: Insurance for solar panel installations

*Target users:* Consumers and small businesses in Switzerland

## Category & focus

- Subcategories: P2P Insurance, Blockchain Insurance, On\-Demand Insurance
- Insurance verticals: P&C Personal, P&C Commercial
- Target customers: Consumers

## Links

- Website: <https://www.versicherix.com>
- Directory profile: <https://insurtechlist.com/companies/versicherix/>
- Crunchbase: <https://www.crunchbase.com/organization/versicherix>
- Cb insights: <https://www.cbinsights.com/company/versicherix>

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*Last updated: 2026\-07\-12*