Nominee for The Digital Insurer's Asian Insurance Innovation Award

1. CXA
Transforming Employee Benefits

2. HREmployees
Wellness, but no
data or money
Don’t
understand
insurance
Don’t
value
benefits
Inconvenient
to claim
Too many
vendors
Too much
paperwork
Healthcare
costs
doubling
Worsening
health
HR and Employee Pain Points

3. Wellness Healthcare Insurer Broker HR Employee
Aggregate Value Chain & Data Into Ecosystem

4. Medical
LifeWellness
Outpatient Fitness
Dental
Vision
AccidentHospitalization
Maternity
Protection
PROVIDERS
Personalized
Insurance & Wellness
Data
Wallet
Broker
Marketplace
Insurance & Wellness

5. Manage the Employee Health and Wellness Journey
Biometric, Lifestyle &
Insurance Needs
Questionnaire
Disease
Management
Weight
Nutrition
Stress
Sleep
Insurance
TPA
Call Center
E-Claims
Health Risk
& Insurance
Suggestions Data Corp Wellness
& Rewards
Wallet
Assess Learn Shop Service Participate
Benefits
Admin
Analyze

6. Shift Treatment Spend to Prevention
Assess Learn Shop Service Participate Analyze

7. Data To Drive Targeted Wellness Programs & Rewards
Portal
Utilization
Health Risk
Assessment
Participation
Tracking
Claims &
Cost Data
Productivity
&
Performance
Absence
and
Turnover
Biometrics
Employee Health Age
Corporate Health Score
Assess Learn Shop Service Participate Analyze

8. Learn Analyze
Reward Employees for Engagement & Health Improvement
Assess Shop Service Participate
Reward
Participation &
Outcomes
To Reduce
Claims & Premiums
On-site Health Screening Corporate Wellness Events
and Competitions
HRA with Face Aging Biometric Screening
Instant Results Online Lab Testing
Yoga Step Challenge
Cycling Running

9. Rising
Premiums
Worsening
Health
Do Not
Value
Benefits
Admin
Workload
• Fixed benefits budget & premium reductions
• Targeted recommendations & corporate wellness
• Personalization engages employees
• One-stop-shop with cashless, paperless claims
Resolve HR & Employee Pain Points
Pain Points Solution

10. Banks
Marsh
Insurers
Brokers
Cashless
Provider
Network
Distribution
Channels
B2C
B2B2C
B2B
Apps
Insurers
Health
Wellness
Segment
CXA Platform
CXA Services
CXA Business Model – Direct Brokerage & Enterprise SAAS
Benefits Flex Wellness Marketplace Data
Product Shared
Services
Vendor
Mgmt
Technology