alletta – Using Avatar-Based Guidance to Choose Your New Health Insurance Policy

An Avatar – based on a real insurance advisor – guides customers through the entire process. The virtual consultation is available in 10 languages, works around the clock and can be used simultaneously for an unlimited number of policyholders.

Thanks to the FINMA intermediary license, it is possible not only to compare insurance policies but also to complete digital insurance applications directly online. The platform currently features offers from eight leading health insurers, which together cover around 80% of existing insurance solutions.

The business model: When contracts are concluded, alletta receives industry-standard brokerage commissions from the health insurers. For supplementary insurance, the platform returns one third of these commissions as cashback to customers.

CEO Jürg Stupp, who brings over 25 years of experience in a leadership position at Helsana, compares alletta's approach to "Booking.com for insurance" – simple, digital, transparent and efficient. The platform's go-live was deliberately timed for the switching season after the announcement of health insurance premiums in autumn 2023.