Innovation intelligence brief
Innovation intelligence brief
Added by the 2026 Swiss InsurTech research (issue #41) from public sources, not by the original academic study (Stoeckli, Dremel & Uebernickel). Its 2016 and 2017 classifications apply the original taxonomy definitions but were not validated by that study. All innovations in this cohort · Methodology ↗
Outpatient supplementary insurance with the same premium for all insured persons from age 30 that combines broad outpatient benefits with digital health services from partners, such as at-home blood and sleep analyses, mental-health checks and fast access to online psychotherapy through Aepsy.
Research profile · Swiss Innovation · 2021–2026
Classification notes · Borderline as an InsurTech innovation: the digital element lies in partner services (offered at a discount), not in proprietary technology, so technology is left empty. Kept because the product is explicitly built around digital, at-home health services and an age-independent premium from 30, unusual for Swiss supplementary insurance. Value-network leaf 'Predictive prevention, proactive warnings' is the closest fit for at-home screening and is a loose match. Maturity 'established' because the product is still sold with 2027 premiums; uptake not public.
What became of it
Completed · Medium confidence · Last verified 2026-10-18
At launch
Supplementary health insurance designed around digital, at-home health diagnostics and mental-health services, with a premium that does not rise with age after 30.
2026 reality
Atupri's product page in 2026 offers Intense with the same benefit structure as at launch and lists six digital-health partners with discounts of 10–50% (Aepsy, Healthyourself, CARE, Klenico, Rikai, Sleepiz); moneyland.ch shows 2027 premiums and confirms the same premium for everyone aged 30 and over.
The original model remains substantially intact.
a mid-sized insurer using partner digital-health services to differentiate a supplementary product, rather than building its own app ecosystem.
Third taxonomy
REVIEW · Added Atupri's product page and moneyland.ch (independent) as sources: the product is still offered with 2027 premiums and the fixed premium from age 30 is confirmed; maturity changed from 'unclear' to 'established' and reality2026 updated with the current partner list.
Research interpretation
Classified by the Swiss Innovation · 2021–2026 research, applying the original models' definitions. Not a classification by the original study.