A landmark study by the University of Groningen has demonstrated the tangible financial benefits of digital health engagement, revealing that insurers can cut healthcare costs by up to 5.3% over the next two years. The research, which analysed a major Dutch health insurer’s data, highlights the potential of digital platforms to drive user engagement and reduce the strain on healthcare systems. At the forefront of this transformation is dacadoo, whose second-generation platform not only enhances engagement but also leverages AI and behavioural science to optimise underwriting and dynamic pricing.
FinTech Global’s Harry Slade sat down with President and CEO of dacadoo, Peter Ohnemus to delve into the company’s transformative technology.
The pair discussed how insurers are integrating dacadoo’s platform, the role of behavioural economics in driving long-term engagement, and innovations such as a global basket scoring system to promote healthier nutrition.
One of the most compelling takeaways from the conversation was the shifting perception of digital health platforms.
Once considered a supplementary tool, dacadoo’s offering is now seen as “mission-critical” by insurers.
A study by the Society of Actuaries supports this, showing that sustained engagement with such platforms increases openness to additional coverage. HSBC, for example, reported a fourfold rise in engagement after implementing dacadoo’s technology.
With healthcare costs soaring and consumer expectations evolving, the ability to personalise health insights while ensuring data privacy is more crucial than ever.
Fully compliant with global regulations such as GDPR and HIPAA, dacadoo’s platform provides an encrypted, user-controlled experience—balancing innovation with trust.
As Ohnemus reveals, this is just the beginning, with AI-driven coaching and hyper-personalised insurance models on the horizon.
Read dacadoo’s latest whitepaper outlining the technology here.
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