The announcement was made by Marcos Gunn, Senior Vice President, Chubb Group and Regional President, Latin America, and Eduardo della Maggiora, founder and CEO of Betterfly, on December 1st.
SANTIAGO DE CHILE, DECEMBER 1, 2021- Chubb, the world’s largest publicly traded property and casualty insurer, announced its most recent digital alliance with Betterfly, a Latin America digital benefits platform used by companies to encourage employees’ commitments to self-care. The platform rewards healthy habits with charitable donations and life insurance protection that grows at no cost based on lifestyle choices that foster physical, mental, and financial wellbeing.
Betterfly has developed a unique embedded insurance B2B2C model and has chosen Chubb as its preferred insurance provider for Mexico, Colombia, Ecuador, Chile, and Argentina. Chubb will make Betterfly’s membership and benefits platform available to its consumer line insureds in these countries through existing distribution channels. The integration of Chubb’s digital insurance into the Betterfly ecosystem uses the capabilities of Chubb Studio., Chubb’s global digital product distribution platform.
“We are thrilled to start working together with Chubb to bring our Betterfly Effect to every corner of Latin America. This alliance combines Chubb’s global expertise in risk management, data analytics, and superior claims service with our AI-based customer behavioral science to complement our prevention, protection, and purpose solutions. This is a huge step towards scaling our platform throughout the region and to our vision of protecting the future of 100 million people by 2025,” said Eduardo della Maggiora, Founder and CEO of Betterfly.
“We are excited by this new digital alliance. Betterfly’s wellbeing platform will convert good habits into tangible benefits, combining social purpose with financial protection,” said Marcos Gunn, Senior Vice President, Chubb Group and Regional President, Latin America. «I am pleased to join efforts with Betterfly for a healthier Latin America and to provide greater access to insurance protection for people, families, and businesses.»
Most people in Latin America do not have life insurance coverage. According to a Swiss Re Institute’s Report from October 2020, the region had an estimated total mortality protection gap of US$14 trillion. Betterfly is making it easier and more affordable for individuals and companies in Latin America to access financial, insurance, and lifestyle benefits. Integrated with apps like Google Fit, Apple Health, and Strava, the platform tracks members’ activities and rewards healthy habits, such as walking, exercising, sleeping, and meditation, with “Better Coins” that can be exchanged for charitable donations, lifestyle rewards, and increased life insurance coverage.
“We are reimagining both product and distribution in the insurance market and, through game mechanics and behavioral science, we are pioneering a new way of bringing financial protection to all, by empowering people to help others and take care of their mental, physical and financial wellbeing,” added Mr. della Maggiora.
Chubb’s technology, analytics, and data capabilities provide its global partners and their customers with a seamless experience. These capabilities are being utilized in Latin America with partners like Betterfly and in other regions around the world, including Asia and Europe. Specifically, Chubb’s global digital product distribution platform, Chubb Studio, allows business partners to quickly and easily add “white label” insurance offers to their existing digital platforms, with significant speed-to-market capabilities. Additionally, it provides a secure and scalable platform with multiple APIs to simplify the process. The platform enables Chubb’s partners in retail, e-commerce, banking, fintech, airline, telecommunications, and other industries to add digital insurance options to their product and service offerings, as well as the ability for their customers to submit claims 100% digitally within their ecosystems and platforms.
Como parte de los beneficios que Betterfly confiere por ser usuario de su aplicación, podrás ser incorporado al seguro colectivo que Betterfly tiene contratado con la compañía Seguros Vida Security Previsión S.A. póliza N°283192. La cobertura entregada será la siguiente:
Cobertura | Capital asegurado | Descripción de la cobertura |
---|---|---|
Fallecimiento Natural | $500.000 CLP* | Muerte |
Fallecimiento Accidental | $2.500.000 CLP* | Pago adicional al Fallecimiento si la muerte es causada por un accidente, es decir, un hecho imprevisto, involuntario, repentino, fortuito y violento producido por medios externos. |
Invalidez Accidental | $3.000.000 CLP* | Invalidez permanente que haya sido causada por un accidente. |
*Al momento de ser incorporados a la póliza estos valores serán convertidos en UF al valor de la UF correspondiente en esa fecha.
En caso de Fallecimiento y Muerte Accidental podrás designar a tus beneficiarios de lo contario el capital asegurado se le pagara a tus beneficiarios legales.. El capital asegurado será pagado a los beneficiarios una vez acreditada la cobertura de fallecimiento si éste ocurre durante la vigencia del contrato de seguro. En el caso de Invalidez Accidental el capital asegurado se te pagará a ti.
El capital asegurado se incrementará con tus conductas saludables según lo establecido en las condiciones generales y particulares de la póliza. El seguro no está afecto a deducible.
Es importante que sepas que existen exclusiones que son situaciones que de producirse no serán cubiertas por la póliza. Las exclusiones de la póliza son las siguientes:
Si quieres conocer mas el detalle de cada una de estas exclusiones y demás condiciones se encuentran en las Condiciones Generales POL 2 2020 0123 y por las cláusulas adicionales CAD 3 2020 0124 y CAD 3 2020 0125 todas la cuales están depositadas en la Comisión para el Mercado Financiero.
Además, es importante que sepas:
Estos términos y condiciones (en adelante los “TyC”) constituyen el contrato suscrito entre Betterfly Chile SpA (en adelante “Betterfly”) y tú como usuario independiente a título personal (en adelante el “Usuario”) para la prestación de los servicios y beneficios que Betterfly otorga a través de su plataforma (en adelante todos ellos conjuntamente los “Servicios”).
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En 2018 como Burn to Give empezamos a innovar y desarrollar tecnología de punta para llegar a un producto que mejorara la calidad de vida de las personas — mediante hábitos saludables, práctica de ejercicio y disminución del sedentarismo–, generando al mismo tiempo un impacto social.
Hoy somos Betterfly, una plataforma de beneficios para el bienestar de sus usuarios, que busca transformar personas y organizaciones a través del propósito de proteger, inspirar e impulsar a cada uno a cambiar sus hábitos en pos de una vida y un planeta mejor.
Tu moneda de impacto: Premiamos todas tus conductas saludables con BetterCoins. ¿Todas? Sí, todas: caminar, correr, andar en bicicleta, meditar, aprender, ahorrar y mucho más.
Todos tus BetterCoins son canjeables por beneficios que transforman el mundo.
Con tus BetterCoins podrás impactar socialmente:
- Alimentando a un niño en situación de vulnerabilidad
- Plantando un árbol para reforestar el planeta
- Entregando agua potable para quienes no tienen acceso
Adicionalmente con tus BetterCoins podrás aumentar la cobertura de tu seguro para proteger a tu familia
General practice nutrition consultations via telemedicine appointments.
Virtual fitness: access to Instafit, an app with over 700 classes and personalized routines.
Gyms: Classpass membership with access to over 30,000 fitness centers
Mental health support via telemedicine appointments.
Meditation: access to Pura Mente, an app with more than 100 guided meditations and stress management programs.
Wellbeing Education: access to The Big Know, a leading educational platform with expert-led content.
Legal support & defense: access to Legal Chile, the largest legal services provider in Chile.
Savings and investment:
Access to Focus; a mutual funds, pension, pension and retirement account platform that provides personalized consulting, without a minimum investment or withdrawal fees.
Life insurance like no other.
Fully digital, no medicals exams required, nor questions related to your health, sports or high-risk activities. If you take care of your wellbeing, Betterfly will reward you with additional cover at no additional cost.
Death with a base of CLP $500,000 CLP and maximum of 750 UF achievable through good habits.
Additional due to accidental death with a base of CLP $2,500,000 CLP and dynamic maximum of 2,750 UF achievable through good habits.
Long-term disability with a base of CLP $3,000,000 CLP and dynamic maximum of 2,750 UF achievable through good habits.
The insurance provider Vida Security, is who covers all risks as agreed in the established conditions of POL 220200123, CAD 320200124 and CAD 320200125 deposited in the CMF.
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In 2018 with Burn to Give we started to innovate and develop cutting-edge technology to create a product to improve the quality of people's lives. Our goal was to help people form healthy habits, exercise, and decrease sedentary lifestyles, generating positive social change at the same time.
Today we are Betterfly, a benefits platform focused on the well-being of its users. We seek to transform people and organizations through the purpose of protecting, inspiring, and encouraging each one to change their habits in pursuit of a better life and planet.
Your impact currency. We reward all your healthy habits with BetterCoins. All of them?! Yes, all of them: walking, running, cycling, meditating, learning, saving, and so much more.
All your BetterCoins are redeemable for benefits and/or activities that help transform the world.
With your BetterCoins you can generate social impact such as:
- Feed a child living in a vulnerable situation.
- Plant a tree to help reforest the planet.
- Provide clean drinking water for those who don’t have access to it.
Un seguro de vida completamente diferente.
100% digital, sin exámenes, ni preguntas por tu estado de salud, deportes o actividades riesgosas. Si cuidas tu bienestar, Betterfly te premiará con una mayor cobertura sin ningún costo adicional.
Fallecimiento con una base de CLP $500.000 y tope dinámico de UF 750.
Adicional muerte accidental con una base de CLP $2.500.000 y tope dinámico de UF 3.000.
Invalidez accidental con una base de CLP $3.000.000 y tope dinámico de UF 3.000.
La compañía aseguradora Vida Security, es quien cubre los riesgos de acuerdo a las condiciones establecidas en la POL 220200123, CAD 320200124 y CAD 320200125 depositadas en la CMF.
Medicina general y nutricionista: consultas a través telemedicina.
Fitness virtual: acceso a Instafit, app con más de 700 clases y rutinas personalizadas.
Gimnasios: posibilidad de acceder a gimnasios físicos y virtuales de la red ClassPass.
Soporte psicológico: consulta a través telemedicina.
Meditación: acceso a Pura Mente, app con más de 100 meditaciones guiadas y programas para manejar el estrés.
Educación sobre el bienestar: acceso a The Big Know, plataforma líder en aprendizaje cuyo contenido es brindado por expertos.
Soporte y defensa legal: acceso a Legal Chile, la empresa de servicios legales más grande del Chile.
Ahorro e inversión: acceso a Focus, plataforma digital de fondos mutuos y APV que te entregará una asesoría personalizada, sin monto mínimo de inversión ni castigos por rescates.