Health Insurance Gamification – Al Madinah Smart City

العربية

Smart City Playbook

Healthcare & Wellbeing

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Health Insurance Gamification

The Health Insurance Gamification enables insurance companies to incentivize customers to lead a healthier and more active lifestyle in return for monetary rewards and better rates, eventually managing risks better and reducing potential hospitalization. As insurance companies around the world have been seeking to deploy digital solutions to help manage interactions with customers, the gamification techniques can be the key. These include wearables and digital apps that can help track healthier lifestyle including steps taken per day, weight lost, events attended, and gym subscriptions in order to provide users with incentives accordingly in the form of promotions or discounted rates.

KEY

CHALLENGES

Both patients and the government have limited access to information

The general public are not targeted with awareness-raising tools and resources about health and wellbeing

KEY EXPECTED BENEFITS

Less Cost

Both insurance companies and customers will enjoy reduced costs

Minimal Complications

Patients will have reduced risks of hospitalization and fatalities

Enhanced Infrastructure

Patients will enjoy less waiting time and pressure on healthcare services

ALIGNMENT TO SMART CITY OBJECTIVES

Encouraged & Motivated

TARGET USERS

Resident

Health Insurance Providers

USE CASE

JOURNEY

As Al Madinah city is committed to improve the health of its citizens and residents, an initiative to partner with leading health insurance providers is launched to encourage a healthier lifestyle.

Sami, a 33-year-old citizen who weighs over 110 kg, decides to lose some weight to improve his overall fitness, so he connects his phone’s Health App to the new insurance fitness initiative, the Health Insurance Gamification.

He reviews recommended goals and finds out that completing 10,000 steps per day for 30 consecutive days will grant him a 10% discount on his family’s insurance plan. All of Sami’s health data are recorded on his phone, which is directly linked to the Health Insurance Gamification.

He reviews recommended goals and finds out that completing 10,000 steps per day for 30 consecutive days will grant him a 10% discount on his family’s insurance plan. All of Sami’s health data are recorded on his phone, which is directly linked to the Health Insurance Gamification.

POTENTIAL SERVICE FEATURES

Points and rewards

Money saving incentives

Long-term fitness challenges

Research-based behavioral nudges

KEY TOUCH POINTS

Website

Mobile App

Smart Wearables

Implementation
Timeline

Within 6 months

12 – 18 months

Over 24 months

Technology Commercial Viability

Currently commercialized

1 – 3 years to commercialize

5+ years to
commercialize

Regulatory Conduciveness

No New Policies and
Standards

Some Policies &
Standards to be
Introduced

Complex Policies to be
Introduced

Investment Requirement

Low

Medium

High

Use Case Ownership

Government Driven

Piloted by Gov. & Transitioned to Private Sector

Private Sector

Startups & Entrepreneurs

IMPLEMENTATION CONSIDERATIONS

Integration with insurance providers for payment settlement

Policies and standards on data collection and data sharing

Availability of data in the required format along with information about data sources

Availability of continuous connectivity to monitor and track movements in real time and in a secure manner

POTENTIAL TECHNOLOGY SOLUTIONS

IN THE MARKET

Healthcare & Wellbeing

Use Cases

Doctors Digital Assistant “Tabib” (DDA)

Digital Life
Coach

Activity Finder App “Rafah App“

Al Madinah Health Directory

Mobile Deployable Clinics and Kiosks

Digital Ambulance “Nedaa”

Patient Companion App “Murafiq”

Community
Platform “Jahzeen”

Al Madinah Health Research Hub

Elderly Assistive Technologies

Health Insurance Gamification