Innovation intelligence brief
Innovation intelligence brief
grape is the first fully digitised and web-based employee insurance for Startups & SMEs in Switzerland that covers financial risk and improves team health.
What became of it
Completed · Medium confidence · Last verified 2026-10-17
As catalogued
First fully digital, web-based employee insurance (daily sickness allowance) for Swiss startups and SMEs that combines financial risk cover with team-health improvement.
2026 reality
grape insurance AG sells daily sickness allowance insurance (Taggeldversicherung) together with an absence-management software platform integrating 60+ HR, payroll and time-tracking systems, automating absence tasks and flagging cases for early support. Named customers include large employers such as Hilti, JYSK, Motorex, Fust and Vinci Energies. Aquiline lists grape as a current venture investment.
The offer expanded from startups/SMEs to large corporate employers, and from a digital insurance product to insurance bundled with absence-management software; the domain moved from grapehealth.co to grapehealth.ch.
absence management software creates a recurring workflow anchor and claims-prevention lever for daily allowance cover, which makes the product attractive to larger employers.
combines Swiss daily allowance cover with HR-system-integrated absence and case management, a niche few incumbents address digitally.
Third taxonomy
REVIEW · Verified the website (grape insurance AG, daily allowance cover plus absence management, named large-employer customers), the July 2022 pre-seed round and MGA licence (Startupticker), and Aquiline's current venture holding. Added founding and funding milestones and the 'mga' positioning; resolved the open question on grape's regulatory role.
Documented evidence
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Research interpretation
Classification paths, as catalogued, connect this example to the original insurance digitalization research models.