Grape insurance

What Grape insurance does

grape insurance AG is a privately held Swiss Managing General Agent (MGA) founded in 2021 and headquartered at Hardturmstrasse 132 in Zurich. The company sells Krankentaggeld (KTG) daily sickness benefits insurance — KTG Kombi, KTG Kurzfrist, and KTG Langfrist — to Swiss employers, and bundles every policy with a free cloud-based digital platform that automates absence management and claims processing. The platform is described as the first fully digital absence and claims management solution in Switzerland; it integrates with more than 50 HR and payroll systems (e.g., Abacus) via a dedicated module called grape connect, applies automated workflows to claims adjudication, and exposes real-time dashboards for absence trend analysis by team, department, or season. An additional module, grape care, is positioned as a proactive health intervention layer that targets a 0.5–1.0% reduction in absences through return-to-work processes and follow-up triggers.

The business model is insurance-premium driven: customers pay only the KTG policy premium while the platform, additional user logins, and supplementary modules are provided at no incremental cost. Distribution is multi-channel and Switzerland-only, combining direct enterprise sales (with dedicated Customer Success Managers running structured onboarding cycles that align with January 1st KTG policy renewals), inside sales via phone and web forms, and a broker/intermediary channel. The company is ISO-27001 and ISO-9001 certified, advertises 100% Swiss data residency and development, and reports CHF 2.5 billion in insured annual salaries under management across 30,000+ insured employees with 1,000+ claims processed per year and a 170% solvency ratio at its risk carrier. The authorized representatives listed in the commercial register are Gregory Inauen and Fabian Mächler, and the operating geography is limited to Switzerland with no external funding or parent company disclosed.

Name

Grape insurance

Legal name

grape insurance AG

Website

https://grapehealth.ch

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Grape insurance AG is a Swiss Managing General Agent offering Krankentaggeld (daily sickness benefits) insurance bundled with a cloud-based absence management platform for Swiss employers. The platform integrates with 50+ HR and payroll systems and covers 30,000+ insured employees across mid-market customers.

Ownership category

akta.pro rank

Product category

Employee Health Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Fully Insured Group Health Plans (Employer-Sponsored) (FSAIAFAA)

akta.pro secondary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Employee insurance services
• Absence management software
• Daily sickness benefits
• HR-integrated platform
• Workforce health management

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance premiums (Krankentaggeld): Revenue generated from Krankentaggeld (daily sickness allowance) insurance products including KTG Kombi (combined), KTG Kurzfrist (short-term), and KTG Langfrist (long-term) policies. The platform is provided free of charge to insurance policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Grape insurance provides Swiss Krankentaggeld (daily sickness benefits) insurance products — including KTG Kombi, KTG Kurzfrist, and KTG Langfrist — bundled with a cloud-based absence management platform that integrates with 50+ HR and payroll systems. The platform automates claims processing, provides real-time analytics, and includes grape care for proactive absence reduction. Health services and a partner network of 30+ providers complete the offering for Swiss employers.

Product overview

Grape insurance offers an all-in-one Swiss employee insurance and digital platform solution combining Krankentaggeld (daily sickness benefits) insurance products, the grape Plattform cloud-based software, and health management services. The core offering consists of three integrated pillars: (1) Insurance — KTG Kombi, KTG Kurzfrist, and KTG Langfrist insurance products covering 80-100% of salary for short and long-term absences; (2) the grape Plattform — a cloud solution integrating with 50+ HR/payroll systems, featuring automated workflows, real-time analytics, and case management; and (3) Health services including grape care (proactive absence reduction), grape connect (system integration), and a network of 30+ health partners providing employee benefits and mental health support. The platform operates as a Managing General Agent (MGA) model with all data and development 100% Swiss-based.

Differentiator

Problem solved

Functional benefit

Brands

• grape connect: Integration module connecting HR systems of customers with the grape platform, enabling automated data flows and absence management processes.
• grape care

Products and services

• Krankentaggeldversicherung (KTG) - Daily Sickness Benefits Insurance Swiss employee insurance covering short-term and long-term daily sickness benefits (Krankentaggeld). Offers KTG Kombi (combined coverage), KTG Kurzfrist (short-term), and KTG Langfrist (long-term) products with salary coverage ranging from 80-100% and waiting periods of 1-30/60/90 days up to 730 days, designed for Swiss employers.
• grape Plattform (Platform) Cloud-based digital platform that combines insurance products, absence management, and health services. Integrates with 50+ HR and payroll systems, automates claims processing, provides real-time analytics and dashboards, and enables coordinated case management support for Swiss employers. Provided free of charge to insurance policyholders.
• Gesundheit (Health) Services Workplace health management (BGM) services including absence analytics, targeted interventions, a network of 30+ partner discounts, and mental health coaching to support employee wellbeing. Provided to employees of grape insurance customers.

Quantifiable outcome

• Active reduction of absences by 0.5-1.0% through grape care health management module
• +3 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered minor.

• FC LuzernminorStrategic or Co-development Partner · 19 December 2025Collaboration on resilience content for the workplace. grape interviewed FC Luzern experts (HR Lead Melanie Trüb, Young Talent Lead Pius Kaspar, Mental Coach Rüdiger Böhm) to develop the '5 Resilienz-Gewohnheiten' article and workshop blueprint for Swiss employers.
• Branch experts (unnamed)minorStrategic or Co-development PartnerCollaboration with industry experts for developing return-to-work forms and processes in grape care module. Forms developed 'together with expert industry partners' to ensure relevance and effectiveness.
• AcciMed GmbHminorStrategic or Co-development PartnerMedical expertise provider for burnout response content. Dr. med. Mike Egloff contributed insights on burnout management and workplace health.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Thatch: US-based modern health benefits platform bundling insurance, payments, and care navigation for SMB employers. Comparable to grape's model of combining digital absence/claims technology with employer-sponsored health coverage in a digital-first wrapper.
• Sana Benefits: US health benefits platform providing small employers with self-funded health plans and integrated care tools. Comparable to grape as a digital-first, vertically integrated health benefits provider targeting the small/mid-market employer segment.
• Personio: European HR and people operations platform serving SMBs across multiple countries. Comparable to grape as an HR-stack anchor that could expand into embedded insurance products, representing both a potential distribution channel and a long-term competitor.

Broad incumbents

• SWICA: Major Swiss health and accident insurer with strong group/employer business across Switzerland. Comparable to grape as a Swiss group health/sickness benefits provider, but with a much larger balance sheet and traditional broker channel.
• Groupe Mutuel: Swiss insurance group offering health, accident, and group benefits to individuals and companies. Comparable to grape in the Swiss employer-sponsored insurance segment with overlapping KTG/group products and broker distribution.
• CSS Versicherung: Switzerland's leading health insurer, offering compulsory and supplementary health as well as group products to employers. Directly overlaps with grape's Swiss employer-sponsored insurance market, but operates a much broader portfolio and traditional distribution model.
• Concordia: Swiss health and accident insurer with group/business customer offerings. Competes with grape in Swiss employer-sponsored KTG and accident cover, but as a multi-line incumbent with a much wider product portfolio.
• Helsana Versicherungen: One of Switzerland's largest health insurers serving both individuals and corporate clients. Comparable to grape as a competitor for Swiss employer-sponsored health and KTG coverage, though operating at significantly greater scale with traditional channels.

Direct peers

• Wefox: Pan-European digital insurance broker connecting customers with carriers through a technology platform. Comparable to grape as a digital insurance intermediary operating across multiple European markets with a tech-led distribution model.
• Getsafe: German digital insurance platform offering simplified, app-based insurance products to consumers and SMBs. Comparable to grape as a European insurtech combining a digital-first user experience with regulated insurance distribution for the SME/employer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds3 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Grape insurance