Lower the risk of your client pool while supporting healthier lifestyle choices.
Leverage insights from wearable devices to actively manage health risks toward lower claims.
Contribute to the development of new customer engagement, risk assessment, and underwriting methodologies using digital health data.Â
µþ¾±´Ç´¡²µ±ðâ„¢ is an indicator of the policyholder's physiological state and lifestyle decisions, offering a comparison to their conventional, chronological age as a means to assess overall health and well-being.
A µþ¾±´Ç´¡²µ±ðâ„¢ lower than chronological age indicates a reduced all-cause mortality risk thanks to healthy lifestyle choices.
Healthy, sustainable lifestyle choices and a focus on early detection and intervention will lower risk, which in turn will save on claims.
Retain policyholders through improved customer insights and personalized engagement.
Positive brand positioning, new distribution opportunities, the opportunity to insure high-risk cohorts, Â and reduced acquisition costs are inducive for growth.
Give policyholders access to a better understanding of their comprehensive health state (sleep, fitness, activity, heart, mental etc.) and how to improve it.
Early detection of acute- and chronic disease states is possible with ³Ô¹ÏÍ·Ìõ™s disease flagging technology.
Reward policyholders for healthy living (eg., bonus cover, cashbacks, or reduced premiums).
Offer policyholders fair and personalized pricing that matches their mortality risk.
³Ô¹ÏÍ·Ìõ is the leading independent provider of biometrics and health insights derived from smartwatches and other wearables. Our unique approach combines computational systems biology and comprehensive, cloud-based bio-algorithms to produce 150+ physiological biomarkers.
Partnered with the Life Insurance industry since 2016, ³Ô¹ÏÍ·Ìõ packaged existing outputs and developed new metrics related to all-cause mortality risk. We call it µþ¾±´Ç´¡²µ±ðâ„¢ “ and it benefits both the insurer and the policyholder.
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