Hedvig vs Chara

With Hedvig for iOS, immediate help is just a click away. As a member, you can report a claim, manage your insurance, change your account details and much more. If you're not a member, you can become one in the app – in just 3 minutes. Hedvig makes it easier for people to get high-quality help when they need it most – wherever they are. FILE CLAIMS File a claim report directly in the app. Hedvig's service is supportive, fast and intelligent. For the simplest claims, you don't even have to wait 5 minutes for a compensation decision. MANAGE YOUR INSURANCE Get a simple overview of the coverage and manage personal information like your address, your co-insured and your payment details. You can also read your insurance policy, and choose which charity you want your surplus to go to. ASK ANY QUESTION You have instant access to our service team – just write to us in the chat. We're available between 08-22 on weekdays and between 9-18 on weekends.  Hedvig's app is constantly being developed and new features are added – all to help you get the best possible help when you need it.

Split expenses with roommates, partners, and friends without the awkward math. Chara is a private, open-source bill splitter that's free forever. No ads, no subscriptions, no paywalled features. Add an expense, pick who's in, and Chara handles the math. See who owes who at a glance. Settle up when you're ready. WHAT YOU CAN DO • Create groups for roommates, trips, couples, or one-off events • Split equally, unequally, by percentage, or by shares • Snap a receipt and pull out the line items automatically • Track balances per currency, with no sketchy auto-conversion • Settle up with a tap and keep a clean history • Get notified when someone adds an expense or pays you back PRIVATE BY DEFAULT No trackers. No ad SDKs. No third-party analytics. Your group's expenses are visible to your group, and nobody else. SELF-HOST IT Chara is open source. Run it on your own server if you want. The app talks to your server the same way it talks to ours. Keep accounts on multiple servers at once and see everything in one place. FREE, FOREVER The core app is free. No subscription. No paywalled features. Chara is what bill-splitting should have been all along.