With the support of EIT Digital Accelerator, YAS.life is turning European health insurance companies into digital health companions

Leveraging the unique expertise and experience gained since its launch in 2016, YAS.life has built an advanced technology solution that enables health insurers to become a real digital health companion to their policyholders. Backed by a strong pan-European ecosystem of health partners, YAS.life´s remarkable end-to-end white-labelled solution can be fully customised to the insurer's look and feel and comes with a data-intensive cloud-based backend.

The app, which can seamlessly integrate into all major wearables, fitness trackers, and smartwatches, is distributed for free to the policyholder. A series of rewards and gamification elements then encourage the insured to lead a healthier lifestyle. As to the rewards, YAS.life has secured long-term partnerships with various European companies offering services and products in the areas of fitness, nutrition, and mental wellbeing.

"With the YAS.life app, insurance companies not only gain an essential, direct connection with their policyholders, they also encourage healthy behaviour, which in turn helps keep health costs down," remarks Kobel.

Kobel notes that over 25 different studies analysing data collected between 2007 and 2020 have proven the effectiveness of mobile applications in incentivising and promoting a healthier lifestyle.

In addition to the app itself, YAS.life also provides a complete set of services, ranging from technical operations to partner management. "With YAS.life, insurers now have the possibility to offer an effective nudging tool to their policyholders," says Kobel. "Furthermore, thanks to our strong insurance expertise, we are developing an actuary data pool that we can use to help insurance companies develop new health plans."

YAS.life is now fully focused on expanding its European footprint: "We have deployed our service with leading health insurance companies and are rapidly expanding across Europe," concludes Kobel. "The EIT Digital Accelerator programme is adding significant momentum in establishing YAS.life as a European champion and a leader in enabling health insurance companies to transform into digital health companions."

The YAS.life solution is already being used by eight major European health insurance companies who collectively serve over 2.5 million people.