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solution
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Common
Munich
Zero
Re
EFMA-Accenture Innovation in Insurance Award 2017
Digital Health Ecosystem
Consumer adoption of new technologies significantly changes
the environment an insurer is doing business in
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2
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Shifting user expectations: Customers want to
manage their own health and wellbeing
However: Insurance mostly not ready to deliver relevant services in the way users are used to it from
other areas of life
3
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Availability and access to data: A game changer for
insurers
However: Insurers are missing out on relevant data and expertise to utilize those data it to their
benefits
4
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New tools for engagement: Devices connect
customers with insurers
However: Insurers focus more on medical intervention instead of lifestyle and wellness issues
5
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There is a red ocean full of medical and wellbeing
related digital solutions
Symptom
checker
Prevention
Health
engagement
Activity
tracking
Referrals
Stress
reduction
Recovery
Medical intervention
(healthcare)
Online
booking
Lifestyle and
wellness
Cardiovascular
Provider
search
Virtual
physician
Fitness
Nutrition
Weight
loss
6
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We deliver you extended benefits by bundling these
solutions …
Health
engagement
Referrals
Symptom
checker
Prevention
Recovery
Medical
intervention
Activity
tracking
Stress
reduction
Lifestyle and
wellness
Cardiovascular
Fitness
Nutrition
Virtual
physician
Online
booking
Provider
search
Weight
loss
7
Image: used under license from MunichRe
… and integrating them into a holistic ecosystem of
medical and lifestyle services
Medical
intervention
Lifestyle
and
wellness
Munich Re as orchestrator of a health ecosystem brings together medical and lifestyle solutions into a
holistic offering that meets user expectations
8
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For bringing this Digital Health Ecosystem to live a
powerful infrastructure is underneath all solutions within
B2B clients
API-Request
Value-Response
First solutions:
Service Marketplace (UI)
Digital Doctor
API Integration Layer
API Management | API Gateway | API Analytics
Microservice 1
Microservice 2
Microservice 3
…
Data Layer
Internal Sources
External Sources
The ecosystem contains six building blocks and
layers allowing flexible deployment of solutions
6
User Interface
layer
• Design and templating of PI and member interface based on the configuration
and customization layer
5
Products &
Service layer
• Providing standard insurance products and Services as intended by provider
4
Customization
layer
• Adjustment of user interface for PI and members based on standard products /
packages and services to meet the requirements and match Corporate Identity
3
Configuration
layer
• Configuration of products & services based on PI contract/member information
2
Development
layer
• Management of development process: design, implementation, integration,
configuration, testing, deployment, operating and maintenance; API mngt
1
Data layer
• Storage and handling of data types from various sources
• Dynamic and adaptive to constantly integrate new types of data