Innovation intelligence brief
Innovation intelligence brief
Wir bieten flexible Hausratversicherungen und Privathaftpflichtversicherungen. Von Grund auf neu für Menschen wie du und ich. Nicht-Versicherungsmenschen halt.
What became of it
Reviewed · Low confidence · Last verified 2026-10-17
As catalogued
A Helvetia-backed corporate start-up in St. Gallen (started as an internal project in late 2016) offering flexible, monthly-cancellable household contents and personal liability insurance, designed and sold fully online for customers who are not insurance experts, with Helvetia as risk carrier.
2026 reality
goflink.ch permanently redirects (HTTP 301) through helvetia.com to smile.direct, Helvetia's Swiss online insurer, which offers car, home, motorcycle, travel, legal, life and health insurance. Flink is not mentioned there.
In January 2018 Flink announced a relaunch with redesigned products, with Helvetia as risk carrier and partner for underwriting and claims. It no longer exists as a separate brand: goflink.ch redirects via helvetia.com to Helvetia's online insurer smile.direct.
Helvetia appears to have consolidated its digital direct-to-consumer brands under smile, which it acquired with Nationale Suisse in 2014, instead of running a separate start-up brand.
Flink's flexible, simple contents and liability insurance concept is now one of several digital direct offerings; its remaining relevance is through smile's direct channel.
Third taxonomy
REVIEW · Re-observed the goflink.ch 301 redirect to smile.direct and verified the January 2018 relaunch announcement (Post, 2018-01-11). Removed the smile expansion milestone (not about Flink) and changed 'relaunched' to 'announced a relaunch'.
Documented evidence
Startpage
Adjustments of the sum insured
Hints
Homepage 2019
Value Propositions
MyThings
MyDamages
Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.