The Digital Innovation Award - Healthy Health

1. A New Standard
for Life & Health
Underwriting

2. Traditional Approaches to
Underwriting
Health Questionnaire
Medical Exam

3. Traditional Underwriting Stats
51 days
Low accuracy
Is the average time it takes for an underwriting journey to
be completed as shown in a Munich Re study.
UW costs around 5%-7% of GWP
$50
Variables used in traditional underwriting achieve 70%-
75% accuracy and limited risk differentiation

4. Underwriting with HH
HH
PROPRIETARY
MODEL
HH 2 DATABASE
RISK PROFILE Insurance
underwriting
DIGITAL DATA
etc.
One HH model for all countries
Risk of diagnosis for
hundreds of medical
conditions
Target population
statistics
Excess
morbidity/
mortality risk

5. HealthyHealth Underwriting Stats
2-3 minutes
87%
Is the average time it takes for an underwriting journey to
be completed
Maximum cost of underwriting with HealthyHealth
A few dollars
Our model 10%-15% more accurate and provides granular
risk differentiation

6. Global Coverage
…….company created late 2017
10,000’s risk assessments assessed in 2019
100,000’s risk assessments confirmed for 2020
1,000,000’s risk assessments projected for 2021
Global Presence

7. … or simple API service
Your data IN - HH result OUT
With a simple QR Code
7
Your digital Journey Includes:
• Integration into your legacy system
• Design adjustments to your brand (inclusive of white-label option)
• Adjustments to any international guidelines and regulations.
Within Your broker network:
Frictionless data collection
HH Can Collect End-user Data For You

8. • Data Discovery
• Data Minimization
• Data Deletion
• Data Masking/Anonymization
• Encryption/Security
8
CAPABILITIES
DATA PRIVACY & COMPLIANCE (GDPR / HIPAA / ...)
INFRASTRUCTURE
• Access Control
• Monitoring/Reporting
• Continuous Protection
• Integrity Checking
• Recoverability
CUSTOMIZATIONS
• Privacy Policy
• Information Security requirements
• Roles and Responsibilities
• Data Requests Processing
• SLAs
Security & Compliance
By design

9. Case Study - U.S. primary Insurer
A new standard for Life & Health Underwriting
● NASDAQ listed Fortune 500
insurer with more than >10,000
employees
● HealthyHealth is helping to
conduct the underwriting
process for a Group Health, Life
and STM product
We have engaged with HealthyHealth and are quite impressed. We
see Healthy Health unique data assets of immediate value with
respect to wearable data and health outcomes as well as many
other opportunities.
​On the personal side, we are impressed with the team, particularly
their flexibility and creativity. And like our own culture at National
General, they move quickly and decisively. I’d highly recommend.
Tom Newgarden - Group Chief Product Officer
National General Insurance

10. www.healthyhealth.com
contact@healthyhealth.com
+44 (0) 7984205188
Offices:
● London
● Hong Kong