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#BETHEFORCE
Integrating wearables, gamification, big data & karma to impact healthy
behaviour
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WorldIsBecomingUnhealthier
2
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EstimatedNumberofPeoplewithDiabetes(20-79yrs)
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PrevalenceofObesity(BMI> 30kg/m2)
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ProbabilityofDyingFromTheFourMainNon-communicableDiseases.
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PerCapitaTotalExpenditureOnHealth
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Real protection means teachingchildren to manage risks ontheir own, not shielding themfrom every hazard.
-Wendy Mogel
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…SoHowDoWeGuideThemRoadToHealthAndLongevity?
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AndWeThinkWeHave…The
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GOQiiVision
MOTIVATE people to stay healthy…
…by GUIDING them to make a permanent shift to a better lifestyle…
…and EMPOWER them to be the force of change
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GOQii- AnIntegratedPreventiveHealthPlatform
Personalized coachingExpert Coaching done remotely
Tracker-agnostic coaching appAPI-based integrated app
Doctor Doctor consultation & diagnostics
Health LockerPersonal Health Records database
InsuranceBehaviour-driven Insurance benefits
KarmaSocial Giving as extrinsic motivator
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…CreatingAHolisticPreventiveHealthJourney
PERSONALIZED COACHING
DOCTORCONSULTATION
DIAGNOSTICCHECKS
HOSPITALCHECK-UPS
INSURANCEPLANS
STAY HEALTHY
DO GOODEARN BENEFITS
GET FIT
FAMILY HEALTH
HEALTH COMMUNITY
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…For the Entire Family
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LeadbyBehaviorChangeAndPersonalCoaching
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AndAddedConvenienceFromMachineLearning…
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..GamifiedPlatformForExtrinsicMotivation…
Donate Karma Points & raise funds for a cause
BODY
MINDSOUL
Meet your daily targets
Form better & healthier
habits
+50Causes Supported
+$2 MRaised
PARTNERS
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…WithAddedLayerOfSocialEngagement
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AndUniquePartnershipstoFurtherIncreaseEngagement
Outof1.3Mn POSTerminalsinIndia,around 100,000TerminalsareNFCCompliant
AxisBank GOQii ContactlessPaymentusingGOQIIband
NFC-basedGOQii band Initial Launch in8cities includingMumbai, Delhi&Bangalore
Video
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ToCreateAPositiveUserExperience
4.0
4.5 4.6
88
NPS
“Withthehelpoftheapp,youcanmonitoryourfoodintake,activities,stepcountsandmany
otherparametersunderthesupervisionofgreatcoacheswhounderstandtheneedsofthe
individualandadviseaccordingly.Mycoachhasguidedmethroughtorunningthreehalf
marathonsandseveral10kmrunsinthelastninemonths,witheverimprovingtimesand
withoutanyinjuries.
“Forthefirst4months,Mycoachhelpedmeintransformingmylifestyle.ILost17kgweight(83Kgtonow66KG)AndNow,Iamabletocontinuethesameforthenext5months.
BesidesweightmanagementthereareothersomanyhealthybenefitslikeBP,Sugarlevel,
Cholesterollevel
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BuildingNewPartnershipstoDriveEffectivePreventiveHealthcareSolution
NHS(UK)Partners GOQii PreventiveHealthcareSolution
GOQiiasPreventiveHealthcareSolution
Launchedon10th AuginBirmingham
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PartnersareGettingExcellentResults
Patient issohappywiththeprogresssheismaking,bloodsugarsarenowinnormalrangeand has lostweight,feelsbetterandalsoloveshercoach.
Patient'sHBa1chasnowhalved(level at51mmols).Sheissomuchmoreconfidentnow,happier,itsgoodtoseeandallthisachievedwithnoextramedication whichisthemainthing.Icallhereveryweekplustheinputfromhercoachshe'sahappylady.Ihadreservationsatfirstbut Ireallyenjoydoingthe goqii clinicsandhowwellmostofthemhaveappliedthemselves.
Itisnicetalkingwithcoach.Sheissogentleandhadadetaileddiscussiononmyfood,habitsandall.Itgivesmeaconfidencetoimprovemycurrentlifestyletoahealthierlifestyle..IthinkIwillsucceedinmygoalachievement.
NormalisedSugarLevelandweightloss
DropinSugarLevel
ShifttoaHealthierlife
Upto20PtsimprovementinHealthRiskAssessmentscorewithLifestyleChanges
InitialcohortofpatientstestedshowedimprovedHRAscorewithin45days.
SuperbResults
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….WeAimToCreateOneStopPreventiveCarePlatform…
O2O
OnlineHealthServices
B2C,B2B,B2B2C
HealthProfessionals,
Doctors,Coaches,Experts
OfflineHealthServicesOffline Partner network
GOQii Online Platform Online healthcare services
Offline Medical services
Coaches Experts Doctors Health Locker
Community HRA
Diagnostic Labs Hospitals
SpecialistDoctors Pharmacy
Health Check-ups
GP Clinics
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…AndByDevelopingHMOWithInsuranceAndHealthcareProvidersIntegration
FamilyHealthPlan
Chronicillnesses
Management
MedicalGuidance
HealthConsultationandmedicinedeliveryforpatientswithchronicillnesses(hypertension,Cholesterolanddiabetes,etc.)
PushFamilyHealthPlantoreducemorbidityratebyimprovingunhealthyhabitsandbehaviors.
GuidanceandinterventiononappointmentforspecialistandinpatientcasesofpartnerhospitalsandHealthClinics
SeniorCare
Family,Caregiver,SocialEngagementandOfflineInterventionstopromoactiveandhealthLifestyleamongSeniors.
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PartneredWithTheBest
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AndCreatedASustainedBehaviour-DrivenHealthScoringModel…
1. Start Your Journey
2. Set Your Goal
3. Adopt Healthy Behaviour
4. Enjoy Rewards
GOQii Health Insurance Plans
Resilient Consumers
Continuous engagement to identify areas of player improvement
Gamified point system for Action and Not Intend
Premium discounts and wellness rewards for Healthy behaviour
GOQii Health Score for each customer
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GOQii to offer healthy lifestyle coaching for Max Bupa customers
Personalized coaching for each customer based on extensive data analytics
Gamification along with premium discount incentive to drive behavioral changes
Max Bupa to provide customized offerings based on Swiss Re analytics
Discounts at renewals based on key health and lifestyle stats from GOQii (e.g., average daily steps, sleep time etc.)
Lower claims ratio for Max Bupa due to healthier lifestyles of customers
Discount at Renewals
Customer Health Data through GOQii App
Swiss Re to provide analytics & pricing support by crunching GOQii data
Enhanced analytics by Swiss Re by leveraging multiple data sources
Pricing analytics with discount computation modeling based on customer’s GOQii data
Analytical insights for customer interventions (e.g. disease management) and opportunities for increasing wallet share
…AndSuccessfullyMarketedinIndia
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SwissRetodriveinsightsfromGOQiidata
DATA COLLECTION ENHANCED ANALYTICS & RECOMMENDATIONS EXECUTION
Data collected by GOQii will not have an intuitive / straight forward bearing on pricing and claims ratio
SampleDataElements fromGoQii
§ NumberofSteps
§ WorkoutLogs
§ CalorieIntake
§ WaterIntake
§ TimeofSleep
§ DoctorvisitsbookedthroughGoQii
§ Healthrecords(ifavailable)
GOQii Data
Max BupaData
Proprietary Swiss Re Data
Third Party Data
AnalyticalModel
Claims experience and other proprietary data
Disease progression and other medical data from third party sources
Swiss Re will analyze GOQii data along with multiple data sources to identify actionable insights for Max Bupa
SampleOfferings
§ Renewalpremiumdiscountforacustomerbased onhisGOQiidata
§ Offer ofdiseasemanagement programtocustomerbased onGOQiidata&claimsexperience
§ Pitchingofcriticalillnesscovertocustomersbased ontheirGOQiidata
Max Bupa to tailor customer offerings based on inputs from Swiss Re
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Impact:SharedValueForConsumersAndInsurers
Marketing&
Sales
ConsumerOnboarding Engagement Underwriting Claim
Rewards&
Renewals
ØEasyToExplain
ØBrandImage
ØSimpleØEffective
ØDriveHealthyBehavior
ØConsumerLoyalty
ØBetterRiskManagement
ØHolisticConsumerData
ØFastØTransparent
ØConsumerSatisfaction
ØLowerLapseRate
§ Unique Value Proposition§ Easy to Implement
§ Brand Recall§ Consumer Satisfaction
§ Better Portfolio§ Fair Premium
§ Better Re-sales§ Tiered Pricing
§ Data Driven Risk§ Faster Information
§ Riders§ Upselling
§ Identification of Risk§ Integrated Lifestyle Data
§ Health conscious members§ Product Differentiation
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Basic Copyright Notice & Disclaimer
©2017 This presentation is copyright protected. All rights reserved. You may download or print out a hard copy for your private or internal use. You are not permitted to create any modifications or derivatives of this presentation without the prior written permission of the copyright owner.
This presentation is for information purposes only and contains non-binding indications. Any opinions or views expressed are of the author and do not necessarily represent those of Swiss Re. Swiss Re makes no warranties or representations as to the accuracy, comprehensiveness, timeliness or suitability of this presentation for a particular purpose. Anyone shall at its own risk interpret and employ this presentation without relying on it in isolation. In no event will Swiss Re be liable for any loss or damages of any kind, including any direct, indirect or consequential damages, arising out of or in connection with the use of this presentation.