Ekaterina Yakushkina — marketing Director of the company “Rosgosstrakh Life”

Today, insurance companies are actively implementing services that work proactively. In other words, they are directed not to recover damages and to prevent critical situations. To achieve this help of modern technology. Striking examples of this are “smart homes” that allow you to avoid many of insurance claims. Revolutionary in this area can be called a partner of many insurance companies in Germany, Denmark and Sweden, the German company GROHE, which developed the intelligent controller GROHE Sense. It measures temperature in the water system to avoid freezing, detects leaks and, if necessary, automatically shuts down the flow of moisture.

However, in this example, the impact of technology on industry is not exhausted. Insurance companies diversifitsirovat services in a variety of ways. And here’s what’s new today they offer their audience.

Collaboration with mobile applications

Insurance companies start to operate with different mobile applications, with the result that users get a more advantageous design of the policy. For example, the U.S. insurer Amica Life together with a broker Greenhouse Life offers free insurance policy against accidents and diseases for users Cardiogram iPhone, Apple Watch, Android, and Garmin is an application to control functions of the cardiovascular system. The insurance covers up to $1000, it is possible to pay extra to increase it to $500 thousand.

In addition to the health insurance, there are some interesting collaborations in other areas. Singapore NTUC Income gives the users of the taxi service Grab the opportunity to insure against growth of prices for travel in the rain. The insurer promises to reimburse up to 60% of the cost of services or to pay, if the driver refuse to come. Aggregate limit of indemnity of SGD 50 per day, while the number of claims unlimited.

Wearable gadgets and personal discounts

Continuing the theme smart technologies — they contributed to the development of socially-oriented insurance. Portable gadgets allow you to track the person’s behavior, driving style, habits, health indicators. Thus is formed a portrait of the insured, on the basis of which are assigned to the individual price policy. It motivates to lead a healthy lifestyle and to comply with the rules of the road.

The increasingly popular practice — discounts “safe” to policyholders. It is actively used by the South African company Discovery Health, which pays its customers bonus points for maintaining a healthy lifestyle: quitting Smoking, a test of physical fitness, fitness centre, vaccinations, tests. Subsequently, the customer may “cash out” points when they purchase goods and services at a discount (e.g., going to restaurant, shopping, making the tour). And the company Oscar Health, for example, has introduced a cashback for the achievement of sporting goals — the number of steps recorded by the fitness tracker.

By the way, smart sensors can be used not only in health insurance. For example, customers of the Turkish company Unico Sigorta, purchasing travel insurance for $10 to buy a special locator to locate Luggage and children. Data on the movement available in the app. Through a mobile platform you can also get in touch with the emergency services and to obtain legal advice.

Telemedicine and “check-UPS”

A variety of wearable medical use of gadgets allows you to use them in creating a variety of insurance proposals, including telemedicine. For example, the gadget Embrace captures the onset of an epileptic seizure, and a Lively bracelet monitors the status of the elderly. We can mention the blood glucose meters for diabetics, cardioscience, scanners leather. In case of danger all of these devices give a signal, and the relationship with the patient goes a specialized doctor. In addition, the user of the bracelet receives prompt assistance, he can count on substantial discount when making a LCA: after the online consultation cheaper than face-to-face appointment.

Unfortunately, even in the XXI century you can often face the problem of shortage of competent practitioners in specific regions. On the other hand, the fast pace of life sometimes just does not leave time to hike to the experts. Thanks to the development of telemedicine patients can get care regardless of location and time through a special application for a smartphone via chat, video or audio. The cost of this consultation varies between 500-3000 rubles. In Russia telemedicine is increasingly included in life insurance policies, in this case, often the use of the service to client becomes absolutely free.

In addition, in the world to apply practice medical “check-UPS”. The advantage of this type of diagnosis of the health condition that it is held in one place and with a minimum length of time. The procedure yields usually a 10— or 15-percent discount on insurance, but it’s not the only reason for its popularity: patients actively use the “check-UPS” to detect the disease in its early stages. So, in Russia more and more often the company Oscar urges “quick health check” to their clients and has been promoting this practice.

Social Media — a portrait of the insured

Use photographs to collect information about the insured is not an isolated case. So, from February 2018 insurance company in the United States received the right to analyze user data from social networks Facebook and Instagram. Selfie on the roof of a skyscraper can have a significant impact on the cost of the policy, as well as pictures from road racing or wild parties. By the way, in the category of users at risk of hit, and the fans eat fast food. In contrast, the profiles of social networks with photos from the gym, during yoga or tasting the healthy food will be a plus in the formation of prices.

By the way, the user can assess their chances of obtaining discounts from insurers. With the help of services like Wrisk, anyone can test themselves on “reliability”. You need to provide the application with information about the health, habits, way of life and to report personal risk factors. Tests can be repeated from time to time, changing profile information, and monitor status.

Ask the insurer, and not from Google

In the age of information overload, users have no problems with its search. It is easy to find the data — it is difficult to sort the most relevant. So today must have large insurance companies — consulting services, and in various, sometimes unexpected, areas. For example, someone who uses the accumulative life insurance, in most cases doing it in order to pay for higher education children. This part of the audience is very interested in receiving adequate information on choosing universities and preparing for exams. Some insurance companies have started to include in the cumulative policies of the services of experts who advise in matters of higher education remotely (email, phone, etc.). Moreover, part of this service, you can get information not only about the schools, sections and variety of courses, but also about interesting events for kids, selection of and recommendations about a place to stay or celebrate a birthday.

Insurance companies take on the role of the assistant in many situations. The aforementioned Oscar, for example, posts on its website detailed information on how to choose a doctor, publishes detailed instructions on behaviour during an epidemic of influenza, advice on vitamins and lists vaccination points.

In General, there is a clear trend: insurance companies are not only committed to cash payments upon the occurrence of insured events, and act as assistant in many situations. Almost all modern insurance programs include additional services in the areas of education, health, assistance with registration of important documents. One of the main roles in this process is played by new technologies that including help not just to deal with the consequences, but to identify and prevent critical situations at an early stage.

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