Healthyhealth is now Qumata

A new standard for life and health insurance underwriting. We use digital data to calculate the risk of diagnosis for over 800 conditions, along with Extra Mortalities and Morbidities, saving applicants hours filling out long questionnaires or visiting the doctor.

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Step 1 - Collecting digital data

We collect data like physical activity, steps, heart rate and other variables from our users' phones, health tracking apps, wearable devices and other digital data sources.

Step 2 - Calculating an accurate risk profile

Our unique algorithm calculates the risk percentage for over 800 medical conditions.

Step 3 - Translating the risk profile for your objectives

The risk profile can be translated into the relevant Extra Mortality or Extra Morbidity values to fit your existing pricing tables. We can make adjustments according to your different product lines and unique requirements.

Check out our streamlined customer journey for Health and Life Insurance!

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Delight Your Customers


All of our users can get a final decision in less than 3 minutes - anywhere, anytime.


Our speedy process allows users to skip lengthy questionnaires or medical exams -increasing conversion rates and reducing dropouts.


Users are always in control of their data and can revoke their consent at any time. We encrypt all user data and are compliant with relevant privacy regulations.

Expand Your Bottom line

Higher Accuracy

Our advanced algorithm and digital data offers significantly more accuracy than error-prone surveys and self-filled questionnaires. Our process is validated by leading insurers, reinsurers and universities.

Boost Sales

We give users convenient service in minutes. Allowing you to gain more customers with our streamlined process and higher conversion rates.

Lower Costs

No manual reviews, no medical exams - our quick and easy digital process significantly reduces your operating costs.