digital transformation of health insurance
TRANSCRIPT
IMPULSE360* Wellness platform for consumers
Emerging Trends in Insurance
Drones :Streamlining field investigation process for PLC claims.
Telematics is redefining Motor Insurance-premium determination using consumer behaviour.
Shifting focus to personalization
“Digital Technology has tremendous potentiality to Personalize and Transform Insurance Business”
Health Insurance : The Changing Paradigm
Chal
leng
eStay Differentiated as a fundamentally different kind of Health Insurer.Strategically aligned to the emerging future of Healthcare.Reinvent to stay Relevant.
Chan
ging
Rol
es
Quantifying & Pricing Risk to influencing & Lowering Risk.
Solu
tionCollaboration between
insurer and insured.Dialogue(Omni-channel) & Delight (Personalization). Improve behaviour & Health outcomes.
6 Trends in Health Insurance
Chronic Disease Epidemic
Outcome Driven Healthcare
M Health
• India to Spend US $ 5.8 Trillion by 2030 for NCDs.
• Small behavioural changes-diet physical activities can reduce this.
• Disrupting consumer engagement.
• Incentivise long term behaviour change.
• Gamification
• Incentivise and dis-incentivise healthcare providers.
• Data driven Outcome oriented delivery
• From Fee for Service to Pay for Outcomes.
• Democratisation of Healthcare.• Wearable/Health Apps.• Tele Consultation.
• Greater insights over patient behaviour.
• Influencing behaviour change.• Driving costs down.
Electronic Health Records
Customer Centricity
Claims Decisionsing
• Big Data revolution.• EHR, Pharmacy, Lab Tests –
Aggregation & analytics.• Patient centric, Participative &
Portable.
• Data as a central component of New Insurance offering.
• Remove information asymmetry.• Creating a complete picture.
• Getting closer to customer.• Inducing change and impacting
behaviour.• Engage and Understand.
• Building relation with customer.• Collaborate • Transactional to Relational
engagement.
• Pressure on under-writing.• Revenue sources challenged.• Claim contention; adversarial
relation amongst provider, payer, patient.
6 Trends in Health Insurance contd..
• Improving claim experience.• Data as a new Revenue Source.• Risk influencing & reduction
Health Insurance :The Digital Collaboration with Consumers
Health Analytics and Insights
Door-Step Delivery of Health Services Resource/Content Library
Health Analytics and Insights
Distance Covered
Steps Counter
Digitally Organised Health Records
Get Personalized Dashboard with following features:
Store files View Files Track health Medicine reminder Appointment booking Chat Family profile Health tips Pay bills Video Consulting Nearby search Medifit – the fitness
tracker
Medimojo – The Digital Collaborator
Medimojo – The Digital Collaborator
Gamification : The Game Changer
More Engaging Management
Knowledgeable About Care Plan
Better Adherence
& Health
Outcomes
Streamline Care• From Reminding and
Monitoring to Involvement and Self Tracking.
Educate thru Experience• Use entertainment and
experience to create learning which people can easily take part in.
Fit into Real Life• Make tools fun and
entertaining, users want to do rather than have to do.
Reward right Behavior• Use Positive reinforcement
and immediate reward to sustain behavior change.
Medimojo – The Digital Collaborator
Medimojo – The Digital Collaborator
Claim Experience
Under Writing Support
Customer Centricity
Data Consolidator. Content for Health Storage & Analytics Delivering Better Health Disease free Living
Sign Up Members
Personalize, Engage & Develop Trust
Manage CareKnow About
Member ConditionsNavigate Care
Comprehensive End-to-End
Experience with Providers
Better ExperienceBetter Health at
Lower Cost
Consumer: Digital Engagement Cycle
Digital Engagement Benefits to Health Insurance
Technical SpecificationCommunication Standards
Clinical Document standards
Medical image viewing
Authentication methods
Browsers Support
Mobile OS support
Deployment Server Architecture & OS
Instant Messaging
Custom APIs(REST protocol), DICOMS for radiology files. Compliance by HL7.
CSV, DICOMS, Images, JSON, CCD, CCDA
Requires no installation for viewing images. Proprietary software for image viewing. Served via an encrypted key from S3
OAuth & OAuth2. We can use 2 factor authentication if opted by userWe support all modern browsers for both mobile and web
Android and iOS & Windows support
Custom messaging systems for communications
Infra at AWS ( Amazon Web Services ) and OS used in Ubuntu 16.04
API Interface
Chat and Video
Lab report images to text
Individual Data Analytics
Data visualization
UID (Aadhar card) integration
Data Security
Content Delivery
Client Interface
FHIR based REST APIs following standards OWASP protocols via session token or API key with OAuth2.0 standard
Proprietary chat and video interface using web sockets in Node.js via VOIP
Using Classifiers & Machine learning algo to read information from raw text extracted from OCR
JavaScript library used for visualization of data in charts(bar, line, pie, plots etc.)
UID integration with patients health records and data
Data encryption at DB level with multi-level encoding
Web & mobile-web served via Cloudflare & 256 bit encrypted SSL
Real-time Google envision OCR
Machine learning for targeted contents to users via CDN
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Contact Info
facebook.com/medimojo
twitter.com/medimojo
Thank You
angel.co/medimojo
(91) 852 719 3363 / 9871756326