Innovation intelligence brief

Insurgram

GermanyPure InsurTech

DiscontinuedStart-up

Insurance via chat

What became of it

2026 evolution

Completed · Medium confidence · Last verified 2026-10-17

Status: Discontinued

As catalogued

German start-up (founders Antonia Ermacora and Matthias Nannt, initially called ChatDichSicher) that sold insurance through Facebook/Twitter chat and an app, with human agents behind the chat, in cooperation with ERGO Direkt for private liability, travel health and dental cover.

2026 reality

No longer active. Insurgram was renamed Insurista around December 2016, a brand then operated by the Vienna messaging-SaaS start-up Oratio; Oratio shut down in April 2018, and insurista.com is now a domain-for-sale page.

What changed

Rebranded from Insurgram to Insurista (c. December 2016) under Oratio GmbH, which offered messaging-app customer communication across industries; Oratio was closed by its founders in 2018 after the chatbot market and WhatsApp API failed to materialise. No successor insurance offer was found.

What remains distinctiveAnalysis

an early hybrid human/chatbot insurance-advice channel whose premise (messenger-first sales) was later absorbed into mainstream insurer chat and AI assistants.

Key milestones

2016-02 Berlin start-up ChatDichSicher (founders Antonia Ermacora and Matthias Nannt) profiled as selling insurance via chat; later renamed Insurgram.[6]
2016-07-27 Reported as offering private liability, international travel health and dental insurance via chat in cooperation with ERGO Direkt, with every chat handled by a human agent.[3][2]
2016-12 rebrandInsurgram renamed Insurista, operated by messaging start-up Oratio.[1]
2018-04 closureOratio, operator of the Insurista brand, announced its closure.[4]

Third taxonomy

InsurTech Evolution (2026)

Company status: Discontinued
Strategic evolutionchange: Wound down
Business model (2026): B2C direct
Insurance value chain: Distribution & sales
Technology evolution: Digital channel
Market positioning: Broker / agent
Innovation maturity: Discontinued
Current relevance: Historical significance

Explore the 2026 taxonomy →

Open questions

Same innovation as Insurista (legacyKey 238): Coverager reports the rename; the two catalog entries are duplicates of one product.
No dedicated closure notice for the Insurista brand itself; its end is inferred from Oratio's 2018 shutdown and the lapsed domain.
The Coverager article is undated; the December 2016 date is inferred from its images.

REVIEW · Verified the ChatDichSicher/Insurgram origin and founders (deutsche-startups.de), the ERGO Direkt chat offer (IT Finanzmagazin), the Insurista rename (Coverager), Oratio's April 2018 shutdown (Trending Topics) and the domain now redirecting to a GoDaddy sale page. Removed the unverified 'commission as multi-agent' detail and added the founding milestone.

Research sources (6)

[1] Insurgram is now Insurista · Coverager · 2016-12 · industry
[2] Chatbot-Vermittler könnte Kundenservice-Revolution einleiten · Versicherungsbote · 2016 · press
[3] Werden Facebook-Chatbots die neuen Versicherungsberater? · IT Finanzmagazin · 2016-07-27 · press
[4] Wiener Startup oratio sperrt zu: Der Chatbot-Hype hat sein erstes Opfer · Trending Topics · 2018-04-19 · press
[5] insurista.com (domain for sale) · GoDaddy · observation
[6] Start-up-Radar: ChatDichSicher · deutsche-startups.de · 2016-02 · press

Documented evidence

Evidence gallery

1 ASSET

Chat

Research interpretation

Taxonomy position

Classification paths, as catalogued, connect this example to the original insurance digitalization research models.

Value Chain (2016)

Customer Relationship › Having digital conversations › Digital advisory such as robo-advisors

Value Network (2017)

Customer Network Promotion › TC11 Distributing insurance digitally › Mobile distribution
Customer Network Promotion › TC11 Distributing insurance digitally › Online distribution
Digital Service Provisioning › TC4 Offering services digitally › Digital advisory, robo-advisor
Digital Service Provisioning › TC4 Offering services digitally › Digital conversations

Explore the complete taxonomy →

Innovation intelligence brief

Insurgram

GermanyPure InsurTech

DiscontinuedStart-up

Insurance via chat

What became of it

2026 evolution

Completed · Medium confidence · Last verified 2026-10-17

Status: Discontinued

As catalogued

2026 reality

What changed

What remains distinctiveAnalysis

an early hybrid human/chatbot insurance-advice channel whose premise (messenger-first sales) was later absorbed into mainstream insurer chat and AI assistants.

Key milestones

2016-02 Berlin start-up ChatDichSicher (founders Antonia Ermacora and Matthias Nannt) profiled as selling insurance via chat; later renamed Insurgram.[6]
2016-07-27 Reported as offering private liability, international travel health and dental insurance via chat in cooperation with ERGO Direkt, with every chat handled by a human agent.[3][2]
2016-12 rebrandInsurgram renamed Insurista, operated by messaging start-up Oratio.[1]
2018-04 closureOratio, operator of the Insurista brand, announced its closure.[4]

Third taxonomy

InsurTech Evolution (2026)

Company status: Discontinued
Strategic evolutionchange: Wound down
Business model (2026): B2C direct
Insurance value chain: Distribution & sales
Technology evolution: Digital channel
Market positioning: Broker / agent
Innovation maturity: Discontinued
Current relevance: Historical significance

Explore the 2026 taxonomy →

Open questions

Same innovation as Insurista (legacyKey 238): Coverager reports the rename; the two catalog entries are duplicates of one product.
No dedicated closure notice for the Insurista brand itself; its end is inferred from Oratio's 2018 shutdown and the lapsed domain.
The Coverager article is undated; the December 2016 date is inferred from its images.

Research sources (6)

[1] Insurgram is now Insurista · Coverager · 2016-12 · industry
[2] Chatbot-Vermittler könnte Kundenservice-Revolution einleiten · Versicherungsbote · 2016 · press
[3] Werden Facebook-Chatbots die neuen Versicherungsberater? · IT Finanzmagazin · 2016-07-27 · press
[4] Wiener Startup oratio sperrt zu: Der Chatbot-Hype hat sein erstes Opfer · Trending Topics · 2018-04-19 · press
[5] insurista.com (domain for sale) · GoDaddy · observation
[6] Start-up-Radar: ChatDichSicher · deutsche-startups.de · 2016-02 · press

Documented evidence

Evidence gallery

1 ASSET

Chat

Research interpretation

Taxonomy position

Classification paths, as catalogued, connect this example to the original insurance digitalization research models.

Value Chain (2016)

Customer Relationship › Having digital conversations › Digital advisory such as robo-advisors

Value Network (2017)

Customer Network Promotion › TC11 Distributing insurance digitally › Mobile distribution
Customer Network Promotion › TC11 Distributing insurance digitally › Online distribution
Digital Service Provisioning › TC4 Offering services digitally › Digital advisory, robo-advisor
Digital Service Provisioning › TC4 Offering services digitally › Digital conversations

Explore the complete taxonomy →