Better care for insomnia – how insurance companies benefit from digital medical products
Theresa Hauser, MSc. | 04.09.2025

Insomnia is one of the most common and simultaneously most underestimated diseases. Millions of people suffer from problems falling asleep or staying asleep, and many regularly resort to sleeping pills. For insurance companies, this means increasing costs with insufficient care. Digital medical products open up new opportunities here – effective, scalable, and cost-efficient.
Insomnia – an underestimated widespread disease
About 12% of the population suffers from chronic insomnia. The consequences are severe: sufferers have a higher risk of mental illnesses such as depression or anxiety disorders, neurodegenerative diseases like Alzheimer's or Parkinson's, or physical ailments like cancer or cardiovascular diseases. Classic medication therapies only help in acute cases and carry risks such as dependency or side effects.
CBT-I as the gold standard
The cognitive behavioral therapy for insomnia (CBT-I) is considered the gold standard internationally. It is scientifically proven and effective in the long term. The problem: access to trained therapists is limited, and waiting times are often several months long.
Digital programs like the sleep² Intensive Program fill this gap. They are based on CBT-I, are approved as a certified medical product, and are digitally available at any time.
Advantages for insurance companies
Digital medical products offer several advantages for insurance companies:
- Effectiveness: Studies show a significant reduction in sleep onset latency, wakefulness frequency, and an improvement in sleep quality.
- Scalability: Many insured individuals can be reached simultaneously – independent of time and place.
- Cost reduction: fewer medications, fewer doctor visits, fewer follow-up costs.
- Satisfaction: Insured individuals receive modern, effective care.
Practical examples
Insurance companies that have introduced digital sleep programs report measurable successes: lower medication costs, fewer doctor visits, and higher customer satisfaction. Significant improvements have been achieved, especially in chronic insomnia patients – both in health data and in cost structures.
Conclusion
Insomnia is a serious problem – for sufferers and for insurance companies. Digital medical products like sleep² offer a solution that is effective, scalable, and economically sensible. This allows insurance companies to close the care gap, reduce costs, and sustainably help the insured.