Andrew Dart shares his insights on IoT within health insurance and healthcare including an in-depth look at the Vitality program, the biggest stealth healthcare initiative in recent times and more innovations. The video of this presentation can be seen here https://www.the-digital-insurer.com/health-insurance-innovations-presentation-andrew-dart-part-health-insurance-summit/

1. March 2015
Health Insurance
Innovations
Presented by Andrew Dart
January 2017

2. 2
A Stealth Public Health Program
Launched in July 2016
• Captured 500 million members world-wide
• 78% of members are millennials
• Average of 20 million members active each day
• Program generated 144 billion steps
• Members 26% more active after joining the
program

3. 3
Pokémon Gone?
However, success was short lived
• People became bored quickly – “just a lot of walking around”
• It needed something more to keep people coming back (engagement)
• After 6 weeks members went back to pre-game levels of activity
Only recently has Niantic learned from the experts….
Daily &
Weekly
Bonuses
Achievement
Badges In Game Events

4. 4
Vitality Active Rewards – Engagement
Turning a reward into a penalty; the Apple Watch is
free if all targets are achieved over 2 years
Source: Discovery website

5. 5
Vitality Active Rewards – Peer Pressure
The Vitality program has also
enlists another powerful
motivating factor – Peer
Pressure.
Having a network of people
with aligned & dependant
purpose helps reduce
individuals from dropping out.
Pokémon Go hasn’t got this
just yet 

6. 6
Vitality 2017 More emphasis on activity
Source: Moneyweb.co.za
In the past it was relatively
easy to achieve Gold status by
doing the basics plus a few
gym visits.
In 2017, the basics only get
you ½ way. You need to be
active for a good part of the
year (20 weeks) to achieve
Gold.
The focus has shifted
decisively towards
engagement and evidence-
based activities.

7. 7
Vitality: Value creation via behavior change
Sales Selection LapsesBehavior
More clients join;
take-up more rider
benefits; and buy-up
cover
Healthier lives join Healthy lives stay
Unhealthy lives leave
Consumers engage
and change their
behavior
Blue Bronze Silver Gold Market premium
Sales &
Selection
effect
Behavioral effect
Lapse
effect
Source: TDI Webinar 2016

8. 8
250 000
Vitality Health
Checks
10 million
discounted
gym visits
20 million
HealthyFood
baskets bought
R1 billion
HealthyFood
cash back
2.5 million
discounted
movies
1 million
discounted
flights booked
1.8 billion
Discovery
Miles earned
Over 10 000
Team Vitality
members
South Africa SA insured
population
Vitality
members
Gold and
Diamond
Vitality members
63 yrs
67 yrs
81 yrs
87 yrs
Vitality Results
Source: TDI Webinar 2016

9. 9
Some insurers using wearable data

10. 10
Other connected devices

11. 11
IoT Health Scoring Platforms
Caters for 100’s of devices
and has a holistic health &
wellness scoring system,
including sleep quality
Caters for 100’s of devices
and has a clinically proven
predictive algorithm for a
range of diseases. Coaching
capability.
Platform ingests telematics
data from general, life and
health insurance purposes.
Strong digital marketing &
partner ecosystems capability.

12. 12
Virtual Doctor visits
Physical visits cost from $100
to $125 while virtual visits
cost between $40 to $45.
Customers save time as they
can get immediate answers
for family medical issues
24x7
However only 20% of
consumers have heard of this
and only 5% have used a
virtual doctor
In 2016, 59% of large US employers included Telemedicine as
an option, up from 16% in 2014; 30% in 2015 Mercer 2016

13. 13
Using AI within Health Insurance
Medical Chat Bots
Your.MD (top) from the US
and Babylon Health (bottom)
from the UK able to triage
cases before handing off to a
human doctor (in-person or
virtual)

14. 14
AI Doctor (Medical Assistant)
The WHO predicts that the world will face a deficit of some 13
million doctors and health care professionals over the next 20
years.

15. 15
AI Health & Fitness Coach
Using AI to engage and serve customers 24x7 on a fully personalized basis

16. March 2015
Health Insurance
Innovations
Presented by Andrew Dart
@ITInsuranceGuy