You're covered.
But are you
truly protected?

The Humbrela app consolidates all your insurance policies — including those hidden in your bank card — and tells you what covers you, what you're missing, and what you're paying for twice. No jargon.

  • 100% free, forever
  • Data hosted in Europe, encrypted, never sold
  • Partner brokers registered with ORIAS or FINMA
Ela, Humbrela's owl mascot
9:41
Hey Hugo 👋
Your coverage, up to date.
Protection Score
82%
Good base. 2 optimisations possible.
Family✓
Travel!
Home!
Mobile✓
Duplicate detected
Your card already covers travel insurance. No need to pay twice.
Marie, partner broker
Available for your home question. Reply within 2h.
New on iOS & Android
Duplicate detected
You're paying 2× for travel insurance.
Qualified broker
Marie replies within 2h.

Nobody reads 46 pages of terms and conditions.
Neither do you.

Result: duplicates, forgotten coverage, useless contracts, and always that same question:

"Wait… am I actually covered or not?"

Finally measure your
Protection Score.

It's the heart of Humbrela. For your family, travel, home, devices and health: everything that really matters, on one simple scale, updated in real time.

  • Clear and dynamic score
  • Risk zones identified
  • Simple recommendations
  • Less stress, more clarity
SCORE
82%
Good overall protection
TRAVEL · 64%
FAMILY · 95%
HOME · 78%
MOBILE · 88%
Ela analyses your insurance contracts

How it works.

Easy to use, no insurance expertise needed. Ela guides you every step of the way.

  1. Consolidation

    Scan your contracts and add your bank cards in a few minutes. Everything in one place, end of the chaos.

    • Car, home, health
    • Visa / Mastercard cards
    • Apple / Samsung warranties

  2. Analysis

    Ela, our insurance-savvy AI, reads and cross-references your contracts. It surfaces duplicates, exclusions, coverage gaps and possible savings, in plain language.

    • Duplicates detected
    • Coverage gaps
    • Estimated savings

  3. Protection

    You know what covers you, what's missing and what you're paying twice for, before something goes wrong. Not after. And when it matters, a human broker takes over.

    • Plain-language answers
    • Proactive alerts
    • Human broker when it matters

For everyone.

Individuals, freelancers, SMEs: one app for all your coverage.

Individuals

For you and your loved ones.

Your home, family, travel, phone, purchases and everyday warranties.

Freelancers

For those who go it alone.

Running your own business is already intense enough. Your professional coverage deserves to be clear.

SMEs

For teams that move fast.

To better manage your risks, contracts, coverage and optimisation opportunities.

Categories covered

PRO: category for professionals
  • Car
  • Home
  • LiabilityPRO
  • CyberPRO
  • Legal protectionPRO
  • Travel
  • Health
  • Commercial premisesPRO
+ AND EVENyour tractor, your ski trip, your vinyl collection, your jet-ski, your drone, your wine cellar, your boat, your caravan and even that weird thing we didn't see coming. If it can be insured, we've got it.
Ela · Your insurance AI
Online · replies in seconds
My flight is cancelled — am I covered?
Ela
Yes, your Visa Gold card includes cancellation insurance up to CHF 5,000. Shall I send you the form?
Awesome, please do 🙏

Tech for speed.
Humans for what matters.

Ela answers simple questions 24/7, in plain language. When it's serious, we connect you with a qualified partner broker — not a call centre.

Apparently we weren't the only ones confused.

I didn't even know my Mastercard already covered me.
Sophie, 24
Lausanne
I had 2 travel policies with the same coverage for 3 years, 3 years…
Mehdi, freelance
Paris
First time I understood what I was paying for. Shocked but grateful.
Camille, 27
Geneva
Humbrela found coverage I'd completely forgotten about.
Léo, 29
Lyon
PARTNER NETWORK

A human broker,
just 2 messages away.

When you need help, Humbrela connects you with a qualified partner broker, chosen for their area, language and expertise.

M
Marie L.
Lausanne · 8 km · Home & family
Available
T
Thomas R.
Geneva · 14 km · Freelancers & SMEs
Available
S
Sarah B.
Lyon · 32 km · Mobility & travel
Available

Questions we get asked.

Yes. Zero cost for you, forever. Humbrela is funded by the subscription partner brokers pay to use the platform. No commission is taken on your contracts.

Ela on her laptopEla welcomes you to Humbrela

Your coverage,
in your pocket.

Download Humbrela, scan your contracts, and finally discover what actually covers you.