By Sachin Murdeshwar
Mumbai: Watch Your Health, a new-age InsureTech innovator, has empowered health insurers to take a Gen-Next leap in customer engagement while providing holistic online and offline wellness services to health insurance policy holders. Watch Your Health has successfully developed customized ProActiv living portal and ProActiv mobile applications that help Cigna TTK Health Insurance Company’s policy holders to take assessment of their health;
Watch Your Health’s best-in-class mobility solutions provide health insurance policy holders with an app for lifestyle tracking along with professionally qualified Health Coaches who guide and mentor policy holders on various relevant topics such as Weight Management Programs, Sleep Monitoring, Water Intake Reminders and Quit Addiction programs amongst others. The program fosters customer connect, ease of use of the services, and understanding of user behavior even as insurance customer have started being more vigilant about their health.
Mr. Ratheesh Nair, Founder and CEO, Watch Your Health.Com India Pvt. Ltd., said, “The future of insurance is customer engagement! Our technological innovations and ultra-customised tools enabled and empowered Cigna TTK Health Insurance to enhance customer experience in a fast-evolving digital age. By delivering great value-adds and deploying Health Coaches who act as friends-n-guides, we, at Watch Your Health, advocate health as a culture amongst policyholders.” He added, “Watch Your Health provides compelling insights using complex data analytics that eventually lead to better positioning, superior experience and overall brand enhancement.”
Sapna Desai, Head Marketing & Communications, CignaTTK Health Insurance Company Limited, added, “At Cigna TTK, we have always believed in the power of the words – ‘Health hai toh life hai’. This driving force, has led us to journey with our customers in times of illness and wellness equally. We were the first health insurance company in India to create awareness about healthy living through reward based health risk assessment and condition management programs. The ‘Health Coach’ program is a part of Cigna TTK’s unique ProActiv Living Wellness offering and is aimed at helping our customers to improve their health and well-being. Moreover, with continuous rise in healthcare cost, we firmly believe that ‘Health Insurance Zaroori Hai’ not only to enjoy easy and lifetime access to quality healthcare, but also to live a healthier and more fulfilling lives.”
Watch Your Health helped in transformation of the customer engagement process through mobile applications that eventually resulted in healthy policy holders. Such innovative initiatives help in enhancing persistency & stickiness amongst policy holders. The lifestyle modifications result in customer retention & incentivize policy holders who can earn rewards up to 20%.”
Watch Your Health implemented innovative solutions at different stages of the program keeping user behavior, convenience and preferences in mind. The super simplification of registration process to make it quick for user. The passive ways of logging user activity data from mobile with users consent to save user trouble of maintaining records. Innovative algorithm to calculate user activity to assess user physical activity. The combination on call health coach counseling and SMS technology to stay engaged with customer without being intrusive.
In the Watch Your Health approach, client retention is through a reward program. Persistency is through a goal oriented program aligning his/ her goal to the policy. Client experience and claim management help strengthen bond between the insurer and the insured. Health Coaches assist in lifestyle modification model.
Watch Your Health has a differentiated business model in terms of its proprietary Customer Engagement Program with digital and human Health Coach; Online portal for test and Employee Engagement; Wellness activities for corporate and Digital Corporate wellness for select few including programs for Diabetic and Cardiac Patients. It also offers Online Booking Portal and HRA; and Online Dietitian Module amongst others.