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INTRODUCTION TO Insurance's MOBILE APP

Refresh the Insurance-Member Relationship

Digital is the way you connect today

January 2014

Insurance Mobile App

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The Problem Facing Insurance Companies

How to engage members digitally?

What is best way to engage members digitally?

How to profit from digital engagement?

The Answer

Insurance Mobile App

Digital Future

  Aetna released a mobile app that brings together 25 of its mobile health partners so that consumers may access health information. The app has been downloaded more than 50 million times.

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Smartphones and Tablets: The Future of Digital- Insurance Companies-

The core of the digital healthcare revolution will be day-to-day tracking of personal stats, also known as the quantified self. Many companies are trying to be this central health and fitness hub, including Aetna

“Providing access to health information anywhere, anytime, is what we call the ‘retailization of health care’ ”, Blue Cross . Earlier this year, the insurance company launched mobile app that offers its 3.8 million subscribers access to their medical information at any time, such as during a doctor’s visit

Insurance companies can over time reduce their costs by 20% through helping member s with self health guidance , access to virtual doctors and access to the right health information

US Insurance companies offer wellness incentives to 30 percent of premiums . By offering mHealth apps and incentives to increase accountability, insurers can push policyholders to change unhealthy behaviors.

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Smartphones and Tablets: The Future of Digital- ePatients -

60% say mobile health has given them solutions 50% say it will change the way they manage their health 50% say it will change the way they manage chronic conditions 45% say it will make their health care more convenient 50% say it will improve health care quality 80% say they want to consult with doctor by email 76% say they would choose Telehealth over human contact 60% say they want health information delivered by video 80% do searches for health information 60% do searches on symptoms & causes 50% do searches on medication

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eMedToday History

13 years ago, eMedToday deployed an internet solution for hospital/patients on one platform. The platform was called “eMedAsia”

eMedAsia offered Comprehensive physician endorsed clinical information

on diseases, conditions, drugs Health diaries Personalized content including news and newsletter Health Insurance

eMedToday is developing a smartphone/tablet solution for insurance companies

Insurance's Digitally?

EveryMove has launched the EveryMove 100 Health Insurance Index, ranking the top health insurance companies in the US on how they engage and empower consumers to manage their own health

The five primary categories the index evaluated include: 

Social media presence and interactions

Mobile investments

Website statistics

Customer support access

Current consumer satisfaction

A mobile app could dramatically boost Insurance's ROI

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Characteristics of A Successful Mobile App

Simple and easy to use (graphically compelling)

Solve a problem (intuitive)Be unique (connect to 3rd party functionally)

Add value (incredibly helpful)

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Characteristics of Insurance's Mobile App

Simple and easy to use 5 buttons

Solve a problem: Personalized medicine Give members access to daily, engaging, easy to read, evidenced

based health information/ healthy living information/multi media lifestyle content/ wellness tips/extensive medical and drug library/”Personalized” medicine: Doctor Helpline and Health Trackers (100’s of short compelling videos)

Be unique No other similar insurance mobile app exist in Asia

Add value Type and structure of health information cause members to use

mobile app frequently (goal: 12 times a month)/active communication channel to members/survey for members satisfaction

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App Overview

1. Services2. Daily Rx3. Ask a Doctor4. Personalized Medicine: Health Tracker5. Events & Promotions

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Insurance's Features

1. Services Mobile format

One Click Call Plans Doctors

2. Daily RX Daily Health News (5 top news items and wellness) Trending Health News (10 trending news items and wellness) Medical Library (100’s of medical conditions) Drug Library (100’s of drugs)

3. Ask a Doctor via email or call or see a doctor on video directly4. Personalized Medicine: Health Tracker( 40 million downloads: fitness, diet, wellness)5.Events & Promotion

Magazine on events & promotions/members satisfaction survives/member advertising

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Why Insurance's Mobile App ?

Stronger members relationship Higher members satisfaction Show Insurance's concern for preventive care and wellness Optimize information sharing with members for new services

and promotions High return on marketing investment: target members use:

50% of members Simple to reach members, one click Backend administration simple and robust Extremely effective platform for Insurance's member

advertising Built trust in brand through personalized medicine