Digital Insurance Agenda

TONI Digital: anyone can launch an insurance offering in a short period of time 

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on Apr 8, 2022

Embedded insurance is about integrating insurance products and solutions into all kinds of customer propositions and journeys. Customers want relevant products at a relevant moment using a simpler buying process; efficiently matching the right risk protection in the most appropriate context and in the most convenient way. 

Selling insurance at the point of sale or embedded in an ecosystem is growing fast. It is a highly attractive model for any company with a strong brand and solid customer base. It is often not easy and time-consuming, which TONI Digital aims to change with a holistic, easy-to-use and fully digital Insurance-as-a-Service offering. Customers include leading retail banks and grocery chains, and brokers: they use TONI’s integrated broker sales function.  

TONI is a Swiss insurtech based in Zurich, offering B2B2C insurance solutions in Europe. Their business model is based on an “insurance-as-a-service” approach, covering the entire value chain from risk carrier management and underwriting to claims processing and reporting.  

How it works 

TONI enables brands to launch a white-label insurance offering easily and fast. Based on its technology-driven and fully API-based insurance technology platform, TONI can configure any insurance product with automatically generated API endpoints, that allow the brand to embed insurance directly into the customer journey or customer-facing application. 

The platform provides end-to-end capabilities, from no-code product configuration, no-code pricing engine, and underwriting rules to document handling, reporting, customer journeys and portals including a full-fledged claims solution. 

TONI has the ability to deliver multiple insurance lines with multiple risk carriers. The high degree of configurability of the technology platform means that TONI does not only develop new products, but also configures existing products to the needs of the respective sales partner. Customers benefit from a constantly growing range of products and functions, from out-of-the-box reporting to integrated payment methods, a fully configurable claims solution to process automation, a unique no-code product configuration suite and no-code pricing engine, discount management and much more.  

Why did we select TONI Digital for DIA Amsterdam 2022? 

Embedded insurance is one of the key topics we will see and hear during DIA Amsterdam. Many companies embrace the option of adding insurance to their customer journey in a way that it adds value for customers.  

Alexander Sanders, CTO, will be presenting how TONI enables non-insurance companies –  whether they are banks, retailers or e-commerce giants – to quickly launch a leading insurance offering using TONI Digital technology platform.  

He will share a few success stories and explain what collaborations and projects look like between TONI and new partners.   

Who is TONI Digital  

Founded in 2017 by Dr. Bernard El Hage, Alexander Sanders, Philippe Regazzoni and Michael Stemmle, TONI Digital is a Swiss Insurtech,based in Zurich. TONI works with renowned companies such as Migros, PostFinance, Vaudoise, Munich Re Group, Assista and TCS.  

With their platform TONI is able to introduce new partners to the market in within a month, enabling many new value propositions in the market. 

The business has raised CHF 9m to date from tier-one Swiss investors, including Credit Suisse and PostFinance. TONI is product agnostic, currently covering seven product lines with four carriers and 20,000 end users or customers.  

”Our vision is to enable any company to enter the insurance market with any product within a month under its own brand based on our advanced tech platform.”

Dr. Bernard El Hage, CEO 

Learn more by going to their website!

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