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Ulrike Deetjen


Leads digital transformations in health, life, and property-and-casualty insurance, with a focus on developing and implementing ecosystem strategies and digital platforms

Ulrike is a partner in McKinsey’s Stuttgart office with 12 years of experience in digital transformation in insurance across all lines of business. She leads McKinsey’s ecosystem knowledge development for insurance in Europe, and has advised a wide range of clients on ecosystem approaches in healthcare, mobility, home, and finance. She is also a geographical leader in Germany for the McKinsey Health Institute, a non-profit-generating entity within the firm that aspires to catalyze action to add 45 billion years of higher-quality life for all people around the world.

Ulrike’s extensive experience ranges from leading the digital transformation of a large European insurer to developing ecosystem strategies for various major companies—including private and public insurers, reinsurers, and online pharmacies—and building up new digital attackers and national health insurance greenfield in various countries around the world.

Throughout her projects, Ulrike has advised clients on topics ranging from vision and strategy development to implementation, including organizational governance, capabilities, advanced analytics approaches, and state-of-the-art technology platforms. Her expertise covers digital transformation of the entire value chain: from improving product development, marketing and sales, pricing, services, and claims, to tapping into new value pools outside of the core business.

Ulrike earned her doctoral and Master’s degree at the Oxford Internet Institute of University of Oxford, her focus was on digital health and new data and analytics approaches for large-scale data analysis. She has freelanced for international organizations, including OECD and the Government of Estonia.

Published work

Klaus-Jürgen Heitmann on the journey to mobility ecosystems,” McKinsey & Company, March 2023

Digitale Gesundheitsversorgung der Zukunft: Die Entstehung von Ökosystemen, Medizinisch Wissenschaftliche Verlagsgesellschaft, April 2022

Digital health ecosystems: Voices of key healthcare leaders,” McKinsey & Company, October 2021

User, usage, utility – how ecosystems create real value,” [In German], Welt der Krankenversicherung, July 2021

Revolutionizing insurance: The personalized insurance engine,” McKinsey & Company, March 2021

Moving to a user-first, omnichannel approach,” McKinsey & Company, January 2021

The art of standing out from the crowd,” [In German], Herbert Fromme's Versicherungsmonitor, September 2020

The next frontier for sustainable growth: Capturing the cost advantage of direct insurance,” McKinsey & Company, July 2020

“Digital lead management – how insurers can strengthen their competitive position in the attention economy,” [In German], McKinsey & Company, May 2020

A marathon with sprint elements: how ecosystems generate real value for insurers,” [In German], Versicherungswirtschaft, May 2020

Ecosystems and platforms: How insurers can turn vision into reality,” McKinsey & Company, March 2020

Unleashing the power of digital health through ecosystems,” Worldwebforum, January 2020

Living offline and online: The future of hybrid care pathways,” Worldwebforum, January 2020

Health data ethics – finding the delicate balance between ‘can do’ and ‘should do’,” Worldwebforum, January 2020

Digital health ecosystems: A payer perspective,” McKinsey & Company, August 2019

Digital ecosystems for insurers: Opportunities through the Internet of Things,” McKinsey & Company, January 2019

A vision for a digital health ecosystem in Germany,” McKinsey & Company, April 2016

European e-prescriptions: Benefits and success factors,” University of Oxford, European Social Fund, Government of Estonia, June 2016

Big data for advancing dementia research,” OECD Digital Economy Papers, March 2015

Blog posts

Are insurers ready for the future of mobility?,” McKinsey & Company, July 2022

2022 outlook: Setting a course for the coming decade,” McKinsey & Company, February 2022

The attention economy: How insurers can stay visible in a crowded field,” McKinsey & Company, January 2022

Digital ecosystems for insurers: No one size fits all,” McKinsey & Company, December 2021

The pandemic is putting digital health services on new spheres,” [In German], Healthcare IT News, April 2020

Ecosystems in insurance: The next frontier for enhancing productivity,” McKinsey Insurance Blog, January 2020

Digital health ecosystems: a radical shift to drive health innovation,” Friends of Europe, April 2017


University of Oxford

European University Viadrina

Catholic University of Cordoba