Wellbeing for insurers and brokers: a program under your brand

An insurer, broker, mutual insurance fund or compensation fund can add wellbeing under its own brand in three ways: refer companies from its portfolio to a provider, integrate the provider's modules into its offering, or deliver a complete experience carrying its own identity. What changes from one provider to the next is what arrives under that brand: an app, a platform, or an ecosystem that combines the app, an on-site health team and spaces inside the company.

What are insurers and brokers looking for in a wellbeing program today?

Three things, and they weigh differently depending on who is buying. A brokerage's sales team wants a reason to talk to the client company during the year, not only when the group policy comes up for renewal. The insurer looks at the health of the covered population and, with it, the loss ratio. And both need something the competitor does not have in the same tender.

Technology providers for the sector put it in those terms. dacadoo, for example, offers insurers a way to promote healthier habits among their members in order to mitigate risk, increase sales and reduce customer churn.

In Chile, the part of health that weighs most at work is documented. According to the SUSESO report on occupational diseases and lost days, in 2024 52% of occupational disease claims were related to mental health and 29% were musculoskeletal. A musculoskeletal occupational disease cost an average of 40.8 lost days at the mutual insurance funds. For a mutual fund, this is the core of its work: the law requires it to carry out ongoing activities to prevent workplace accidents and occupational diseases. For a broker, these are the same conditions the client company sees as sick leave, turnover and tired teams.

Which white-label wellbeing models exist for insurers?

Three models coexist in the market. They are not mutually exclusive: an insurer can have its own app and add an in-person program for its largest group accounts.

Third-party app with incentives

People use the provider's app and earn rewards for their habits. Vitality is the global reference: it describes its model as shared value, where behavior change translates into lower risk and the value is shared between the person and the organization, and it works with insurers under brands such as Discovery Vitality, John Hancock Vitality and AIA Vitality. YuLife presents itself as a life insurance company that puts employee wellbeing first, with rewards to sustain usage. In Latin America, Betterfly announced a regional alliance with Chubb in 2021 to offer wellbeing with a life insurance policy whose coverage grows with healthy habits.

White-label digital platform

The partner publishes an app under its own brand, built on someone else's software. dacadoo offers exactly that: a white-label version of its platform for publishing health and wellbeing apps with the client's identity, a health score and a risk engine for insurers. Kyan Health specializes in mental health: it presents itself as an alternative to employee assistance programs, has a line for insurers and supports benefits consultants in tenders and renewals.

This model solves brand and scale. What an app alone does not bring is the in-person part: at a plant, a port or a mining site, usage holds when there is also a professional who comes back on a fixed schedule and a space at the workplace itself.

Modular ecosystem under the partner's brand

Here wellbeing arrives through the app and also in person at the workplace. This is Makana's model, which builds the program on three pillars that can be hired separately or together: physical recovery spaces inside the company (Sala Makana, Makana Corner and Módulo Nano), physical therapists, psychologists and nutritionists who visit teams at the office, the plant or the mining site in Chile, Mexico and Colombia, and an app with five modules (Mental Health, Nutrition, Fitness, Finances and Community) guided by Alma, its AI assistant. The insurer or broker brings the commercial relationship and the brand; Makana brings the technology, the rollout and the operation.

Because the service is modular, each insurer or broker chooses what to bring to its portfolio:

• The full app. All five modules with Alma, for the whole covered population, including people who work remotely or at a small branch.
• The on-site health team. Physical therapists, psychologists and nutritionists who visit the teams of the companies in the portfolio.
• The spaces. A Sala Makana, Makana Corner or Módulo Nano installed at the client company.
• The full ecosystem. All three pillars together, with activation and measurement included.

The app reaches the whole portfolio from day one; the on-site team and the spaces are what the client company sees installed. At Marsh, the benefits analyst put it this way:

"At first they were surprised, but then they were really excited to use the machines… and today everyone uses it."

— Nataly Araneda, Benefits Analyst, Marsh

How does a wellbeing program under your brand work?

First you choose the way to work together. There are three:

• Refer. You introduce a company from your portfolio; we prepare the proposal, roll out and run the program. The commercial arrangement is agreed with you.
• Integrate. You add physical or digital modules to your insurance offering or your benefits platform. We define the services, the covered population and the integration.
• Under your brand. The experience carries your insurer's or brokerage's identity on top of Makana's technology. We agree how the app, the communications and the included services are customized.

Then the program moves forward in four steps:

1. Together you define who it is for (which companies, which sites, which shifts), which services it includes and how it is presented to your clients.
2. We set up the experience, install the spaces if there are any and schedule the professionals' visits around each company's shifts.
3. Usage is activated: internal communications ready for the company's email, WhatsApp or intranet, signage at the workplace, internal ambassadors and the visits themselves, which keep bringing people back to the room and the app.
4. Participation is reviewed with regular usage and adoption reports, and the program is adjusted: more visits where the pain is concentrated, a different format where usage is low.

One piece is especially useful for an insurer: inside the app, a person who joins through their company has their benefits and insurance explained in one place, and Alma helps them find their way through them.

What can be measured in a wellbeing program for policyholders?

Adoption comes first, because without usage there is nothing else to measure. Marsh, the insurance broker, rolled out the program for its own employees in January 2026 and reached 80% daily adoption (Marsh case study).

Then come the health metrics, always aggregated by company or by team and never for an individual: participation by site and shift, body areas treated, reported discomfort and how it evolves. These are reports you can bring to the renewal meeting with your client. In before-and-after surveys of our programs, reported stress fell 10.9% and perceived wellbeing rose 36%.

The hardest figure comes from a study with the School of Medicine of the Pontificia Universidad Católica de Chile, funded by ANID: people who use Makana at least once a month have 17.5% less absenteeism than a control group. That result is about absenteeism in companies, not about a policy's loss ratio; if you want to look at the loss ratio, the measurement is designed with you from the start, with your own baseline.

For the partner, the cost per person actually served also matters, not only the cost per person covered: it is how you know the program reached people.

The model is also validated by the industry. In 2026, Makana was one of the two Latin American startups that won the MetAImorphosis Start-Up Challenge by Mercer Marsh Benefits (the announcement).

Frequently asked questions

Can I offer the program under my brokerage's brand?

Yes. It is one of the three ways to work together; what carries your brand (app, communications, services) is agreed in each alliance.

Who runs the program?

We do: rollout, activation, user support and the on-site professionals. You keep the commercial relationship with the company.

How is it priced?

Commercial terms are defined for each alliance, based on the services included and the covered population. There is no single published rate.

What health data does the insurer receive?

Aggregated, anonymized information on usage and progress by company or team. Never an individual person's data.

Does it work for mutual insurance funds and compensation funds?

Yes. The same program can be part of the benefit or the company network of a mutual fund or a compensation fund.

Can I hire just one part?

Yes. You can start with only the app, only the on-site health team, only the spaces or the full ecosystem, and add pillars as each company in your portfolio needs them.

The next step

Come to the conversation with your portfolio in order: which companies have shifts, plants or mining sites, how many people each group policy covers and which ones renew in the next six months. With that, we define which of the three ways works for you and which company to start with. See the program for insurers and brokers.

Commercial review: Makana team (internal review). Last reviewed: October 18, 2026.