Digital healthcare is one of the most promising sectors for insurers. It has a high potential of building customer loyalty and engaging those who are not satisfied with run-of-the-mill health service.
Take telemonitoring and its time and cost savings. “We are talking about medical devices that can communicate directly with a cloud platform, sending patient data to be further analyzed and managed”, suggests Simone Agazzi, Business Development Manager for eHealth and Telemonitoring at Comarch Italy. “For chronic or post-critical patients – he adds – telemedicine helps maintain a balanced state of health and reduces the risk of critical events”.
As Mr. Agazzi points out, digital services bring substantial value to individual health policies, which is why the services can – and should – be integrated with the existing products to strengthen the customer-insurer relationship by offering relevant up- and cross-selling opportunities.
Today, 22% of customers are not satisfied with a digital offer rendered by their insurance companies. “One of the main causes of underinsurance is the gap between customers’ perceived value of the policy and their willingness to pay for
Thanks to this technology, insurers gather all information about the insured in one hub, filter the information and share it locally with agents, enabling them to build a perfectly tailored offer for their customers. Insurance agents are the key players here since they maintain personal contact with the customers and are able to identify their needs.
THE RACE CONTINUES
With Fintech at their heels, big insurance companies have either started to digitize their processes in full or integrate their existing products with digital services. The caveat, however, is that the incumbents offer longer time-to-market and less flexibility compared to newcomers.
Still, insurance companies have one big advantage with respect to startups and
According to Gartner, IoT, AI
Maria Moro, Insurance Connect
Umberto Tocci, Business Solution Manager Insurance at Comarch Italy
Simone Agazzi, Business Development Manager for eHealth and Telemonitoring at Comarch Healthcare Italy
Source: Insurance Connect
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