Innovation intelligence brief
Innovation intelligence brief
Making insurance truly personal. FitSense enables Health & Life insurers to personalize products and services by using app and device data.
What became of it
Reviewed · Medium confidence · Last verified 2026-10-17
As catalogued
Analytics engine turning fitness-app and wearable data into an activity score that health and life insurers could use to personalise products, pricing and engagement.
2026 reality
No current activity found. Zurich-owned Cover-More acquired a majority stake in December 2017, with FitSense to operate as a standalone entity and relocate from Singapore to Sydney; fitsense.io no longer resolves (observed 2026-10-17). Database profiles list it as acquired/merged.
Moved from an independent NUS spin-off to a majority-owned unit of Cover-More (Zurich); its technology was reportedly used in Zurich's LiveWell health-tracker app in Australia (launched about a year after the acquisition). What happened after that is not documented in the sources found.
an early example of insurer-owned wearable-data scoring; similar capabilities are now common in wellness and engagement platforms, so its standalone relevance appears limited.
Third taxonomy
REVIEW · Verified the Cover-More majority-stake acquisition via Coverager (standalone entity, relocation to Sydney); corrected the Zurich app milestone from 2017 to 2018 (search excerpt says FitSense was acquired 'last year') and named the app LiveWell. Possible rename to Freely Insurance Services added as an open question; status remains unresolved.
Documented evidence
Making insurance truly personal
App data to create better products
Products that matter
Customer profiles
Data analytics platform
Added Value
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.