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Livre Blanc : L’Assurance Santé en France | KPMG | FR

Livre Blanc : L’Assurance Santé en France | KPMG | FR | Assurance de personnes connectée | Scoop.it
Panorama des acteurs et nouvelles dynamiques.
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How 'Boring' Industries Are Rebranding To Appeal To Younger Generations

How 'Boring' Industries Are Rebranding To Appeal To Younger Generations | Assurance de personnes connectée | Scoop.it
Mutual Funds. Mortgage. Insurance. Health plans.

If you’re already nodding off, that’s to be expected. The financial services and healthcare industries don’t necessarily have a reputation for being “fun.” Even so, young consumers are growing up and need loans, checking and savings accounts, and the ability to navigate the healthcare system on their own.

Oscar Health is one company that’s consciously shedding their industry’s “boring” label with a goal to make health insurance less confusing, more convenient, and — as they put it — more human.

The company has an easy-to-use mobile and web app that houses members’ pertinent health information and lets you look for doctors, book appointments and see details of your claims. The app is supported by a personalized concierge team and members have 24/7 access to board-certified physicians if they need a diagnosis in a pinch. It even comes with a step-tracking feature that offers members $1 a day when they meet their daily step goal.


Though the company’s digital-first approach attracts consumers of all generations, it is particularly appealing for digital natives whose purchasing habits have been shaped in the smartphone era.

“It’s the ease and convenience that people across all ages want, but that the younger generations have come to expect,” said Sara Wajnberg, SVP of Product at Oscar Health.

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While Oscar seeks to disrupt health insurance, another company -- Capsule -- is focused on reducing the frustration that comes with multiple, inefficient trips to the pharmacy. The company offers free same-day delivery of prescription medicine through its mobile app and provides access to its team of pharmacists via text, email, or phone.

Capsule is also able to anticipate questions about insurance coverage, remind patients about refills when they would have otherwise forgotten, and offer competitive prescription pricing.

And while the healthcare industry is ripe for disruption, health-related companies aren’t the only ones offering modern convenience through digital upgrades to appeal to younger consumers. Financial institutions are also doubling down to deliver that level of expected speed, ease and convenience.

Fintech frontrunner Fiserv, for instance, provides tech solutions to thousands of banks and credit unions across the US to make banking simpler, more trustworthy -- and even, more fun -- for younger consumers. Real-time money movement, biometric authentication, voice banking, online and mobile account opening and the ability for the cardholder to control their debit and credit card functionality with their CardValet app are just a few specific examples.

“The financial services industry is in a period of rapid transformation,” said Vincent Brennan, President of the Credit Union Solutions division at Fiserv. “Evolving consumer expectations are a catalyst for change as financial institutions work to deliver the speed, ease and convenience people want and need. Fiserv is providing the technology that enables these experiences with solutions that are in step with how people live and work today.”

Vibrant Credit Union, one of Fiserv’s clients, recently revamped its brand image and in-branch technology capabilities to appeal to the youngest members. Matt McCombs, President and CEO, reported that since its 2011 overhaul, membership of 18 to 34-year-olds has increased 75 percent. He credits this to the credit union’s modern technology, such as video banking, and customer experience, including their branded ice cream truck and events like “Talk Like a Pirate” day.

Wealthsimple, a popular automated investment manager (robo-advisor, for short), takes a similar approach to save customers time. The company says it takes less than five minutes to sign up and get invested in a customized portfolio (hence the “simple” in Wealthsimple’s name).

The platform is also particularly beginner-friendly, which is not the first adjective you might otherwise use to describe the investing industry. But that’s the point, says Mike Giepert, Executive Creative Director at Wealthsimple.

“[We’re] demystifying investing for younger people by making smart and low-cost investment services accessible and more human.”

That accessibility and digital-first approach is particularly appealing to younger consumers whose purchasing habits have been shaped in the smartphone era. But with those digital roots comes a healthy dose of skepticism. Headlines about fake news and Instagram feeds flooded with sponsored posts have led younger generations to be increasingly cautious about the trustworthiness of online information.

Yes, younger generations undoubtedly want convenience; but they also want companies that offer transparency, and are even willing to pay more for that privilege.

NerdWallet has made that transparency part of its core business model. The personal finance website was founded in 2009 to help consumers get more clarity around financial decisions. NerdWallet offers tailored recommendations and side-by-side comparisons for credit and debit cards, insurance quotes, checking accounts, and more. Think of it like a Kayak for financial advice.

The company often earns referral fees when people sign up for the services they write about, but the company discloses all its partners on its website and is adamant that those partnerships only influence which products they choose to review -- not the nature of the reviews themselves.

“Bottom line?” the site asks readers rhetorically. “We’re on your side, even if it means we don’t make a cent.”

PolicyGenius is another website whose entire business model is built around transparency. The company is an independent insurance marketplace that gives younger customers a side-by-side comparison shopping experience they’re used to. Only instead of flights or hotels, consumers compare insurance quotes.

Of course, offering a mobile-first, transparent service is only half the battle for companies seeking to tap into this market with up to $143 billion in spending power. The other half is branding those initiatives in such a way that younger consumers will see past the industry’s boring stigma and give the service a try.

“We talk to younger consumers where they are most -- on their phone,” explains Alison McGlone, Head of Brand at NerdWallet.

“Our marketing spend is primarily focused on Google, social media (Facebook, Instagram) and TV, and even our TV campaign is designed to find them outside of the living room, wherever they watch content, since we know that is how their consumption has evolved.”

NerdWallet’s approach appears to be working. The company reports more than 100 million people — a third of American consumers — come to NerdWallet every year for advice when making financial decisions.

Those familiar with Progressive’s iconic Flo advertisements may be wondering what it is that makes them so memorable. Love them or hate them, they’re engaging because they connect with consumers on a human level.

That insight is what helped inform Progressive’s Parentamorphosis campaign, based on the premise that ordinary people start turning into their parents the moment they purchase their first home. (The latest episode depicts a group of new homeowners in a therapy-style support meeting who trade hilariously relatable dad-isms. “Progressive can’t save you from becoming your parents,” the narrator admits at the end, “but we can save you money when you bundle on home and auto.”)

“It’s all about the right content in the right context,” says Jeff Charney, Progressive’s CMO.

There may not be one right answer to the right content and the right context. But one thing is for certain: young people reward brands they feel “get them.” Companies in traditionally “boring” industries may be fighting an uphill battle to break through the stigma, but untold riches await the companies who can most effectively tap into the psyche of young consumers and offer a purchasing experience congruent with their values.
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How Europe's Largest Insurance Company is Reinventing its Healthcare Strategy

How Europe's Largest Insurance Company is Reinventing its Healthcare Strategy | Assurance de personnes connectée | Scoop.it
How AXA's 'payer-to-partner' health strategy has evolved through investments, partnerships, and M&A
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Téléconsultation médicale : 1ère cabine connectée

Téléconsultation médicale : 1ère cabine connectée | Assurance de personnes connectée | Scoop.it
Pour aller un cran plus loin dans son service de téléconsultation médicale, AXA France noue un partenariat avec H4D. Il vise à proposer aux entreprises clientes en santé d’AXA une solution globale de télémédecine autour de la 1ère cabine médicale connectée, la « Consult Station » conçue et développée par H4D.
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Objets connectés de santé : “la sécurité sociale n’en perçoit pas la valeur ajoutée”

Objets connectés de santé : “la sécurité sociale n’en perçoit pas la valeur ajoutée” | Assurance de personnes connectée | Scoop.it
Les objets connectés de santé font naître de nombreux espoirs. Leur usage est toutefois freiné par les risques associés et …
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Generali Vitality : les premiers enseignements du programme

Generali Vitality : les premiers enseignements du programme | Assurance de personnes connectée | Scoop.it
Compagnies & Bancassureurs : C’était il y a à peine un an. La ministre de la Santé et des Affaires sociales Marisol Touraine voyait d’un mauvais œil... à lire aussi Generali, prévention santé, e-santé - Actualité et comparateur Assurances
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Les nouvelles technologies vont permettre une amélioration de la santé des personnes

Les nouvelles technologies vont permettre une amélioration de la santé des personnes | Assurance de personnes connectée | Scoop.it
Devenir l’assurance santé de référence pour les entreprises et les travailleurs indépendants.
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Jawbone Is The Second Costliest VC-Backed Startup Death Ever

Jawbone Is The Second Costliest VC-Backed Startup Death Ever | Assurance de personnes connectée | Scoop.it
The only failed VC-backed startup in any industry to have burned through more cash than Jawbone is Solyndra.
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Prévention santé : assureurs et universitaires créent une chaire d’excellence

Prévention santé : assureurs et universitaires créent une chaire d’excellence | Assurance de personnes connectée | Scoop.it
Acteurs : La Fondation du Risque, en partenariat avec deux laboratoires de l’Université Claude Bernard Lyon 1 (le laboratoire de Sciences... Articles liés prévention santé, Fondation, Actuaris, AG2R - La Mondiale - Presse en ligne Argus de l'Assurance
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Un patch connecté pour remplacer la prise de sang ?

Un patch connecté pour remplacer la prise de sang ? | Assurance de personnes connectée | Scoop.it
Et si l’analyse de la transpiration pouvait remplacer la prise de sang ? Aux États-Unis, des chercheurs ont mis au point un patch connecté qui dresse un bilan de notre état de santé via l’analyse de la sudation.
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Une intelligence artificielle pourrait détecter un cancer de la peau à partir d’une simple photo

Une intelligence artificielle pourrait détecter un cancer de la peau à partir d’une simple photo | Assurance de personnes connectée | Scoop.it
Une intelligence artificielle entraînée par des chercheurs de l’université de Stanford aux États-Unis serait capable d’identifier certaines maladies de
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Twelve Consulting | L’assureur santé de demain sera disruptif ou ne sera pas

Twelve Consulting | L’assureur santé de demain sera disruptif ou ne sera pas | Assurance de personnes connectée | Scoop.it
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C'est pas mon idée !: Vers la santé prédictible…

C'est pas mon idée !: Vers la santé prédictible… | Assurance de personnes connectée | Scoop.it
Quand la technologie parviendra à prédire tous nos problèmes de santé, n'aurons-nous pas ouvert une boîte de Pandore ?
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Alan Map, la carte qui vous donne les tarifs des médecins

Alan Map, la carte qui vous donne les tarifs des médecins | Assurance de personnes connectée | Scoop.it
Alan vient de lancer « Alan Map », une carte interactive qui permet aux assurés de connaitre les tarifs et niveaux de remboursement des médecins.
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4 Health Tech Startups Using AI to Improve Daily Wellness

4 Health Tech Startups Using AI to Improve Daily Wellness | Assurance de personnes connectée | Scoop.it
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Apple will launch Health Records feature at 12 hospitals with iOS 11.3

Apple will launch Health Records feature at 12 hospitals with iOS 11.3 | Assurance de personnes connectée | Scoop.it
Correction: A previous version of this article said that Gliimpse founder Anil Sethi was still at Apple. In fact, he left the company last year.
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« Axa va ouvrir des cabines de télémédecine dans les entreprises », déclare Jacques de Peretti, PDG d'Axa France

« Axa va ouvrir des cabines de télémédecine dans les entreprises », déclare Jacques de Peretti, PDG d'Axa France | Assurance de personnes connectée | Scoop.it
Le PDG d'Axa France a répondu aux questions de l'émission « L'Invité des Echos. » Interview réalisée par Olivier Harmant.

La bataille de la télémédecine s’intensifie d’un cran chez les assureurs
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Oscar Strategy Teardown: How The Health Insurer Is Beginning To Hedge Against Obamacare

Oscar Strategy Teardown: How The Health Insurer Is Beginning To Hedge Against Obamacare | Assurance de personnes connectée | Scoop.it
Oscar has tried to disrupt health insurance with a focus on customer experience and technology, but success has been mixed. As the company changes tack, what does the future of a next-gen US health insurer look like?
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VYV : coup d'envoi pour le premier groupe mutualiste

VYV : coup d'envoi pour le premier groupe mutualiste | Assurance de personnes connectée | Scoop.it
VYV a vu le jour le 13 septembre. Né de la MGEN, du groupe Istya et d'Harmonie mutuelle, c'est déjà le 1er acteur mutualiste de protection sociale.
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Lemonade crée l'assurance dynamique

Lemonade crée l'assurance dynamique | Assurance de personnes connectée | Scoop.it
Après avoir accéléré la souscription d'assurance et le traitement de sinistre, Lemonade facilite les changements de conditions des contrats…
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Prévention santé : Intériale lance des ateliers avec la MGP et le ministère de l’Intérieur

Prévention santé : Intériale lance des ateliers avec la MGP et le ministère de l’Intérieur | Assurance de personnes connectée | Scoop.it
Mutuelles de santé & IP : La mutuelle Intériale (plus de 500 000 personnes protégées) organise cette semaine des journées spéciales autour de la prévention... Articles liés Intériale , ministère de l'Intérieur , Communication, prévention santé - Actualité et comparateur Assurances
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Alphabet will track health data of 10,000 volunteers to 'create a map of human health'

Alphabet will track health data of 10,000 volunteers to 'create a map of human health' | Assurance de personnes connectée | Scoop.it
Alphabet's Verily is working with Duke and Stanford to enroll 10,000 people to help it create a map of human health.
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Prévention santé : Generali Vitality s’associe à Auchan

Prévention santé : Generali Vitality s’associe à Auchan | Assurance de personnes connectée | Scoop.it
Acteurs : L’enseigne de grande distribution Auchan s’associe à la démarche Vitality et devient partenaire du programme de prévention santé... à lire aussi Generali, prévention santé, e-santé, Offres entreprises - Presse en ligne Argus de l'Assurance
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ING s'inquiète du bien-être de ses salariés

ING s'inquiète du bien-être de ses salariés | Assurance de personnes connectée | Scoop.it
Convaincue que la qualité de vie de ses collaborateurs contribue à sa performance, ING leur offre un « programme de bien-être »…
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