Reinvent Health Insurance With Smartwatch Apps -- Concept Outline

REINVENT
HEALTH INSURANCE
WITH SMARTWATCH APPS
A magical experience, at a glance.
CONCEPT OUTLINE

Copyright © 2017 Emozionella®. All rights reserved.
We help you conceive revolutionary
smartwatch apps that connect
emotionally, generate new revenue and
improve the user journey.
– Creating value by leveraging wearables’ intimate nature
– Empowering apps with our artificial intelligence solution
– Engaging a multidisciplinary team of visionaries
Grow business
opportunities
Deliver
superior
experiences
Build deeper
relationships
with customers

How do we add value to
health insurance?

LET YOUR BRAND BE A
PERSONAL COACH PROVIDE A
PERSONALIZED
EXPERIENCE
EMPOWER YOUR
CUSTOMERS TO
LIVE HEALTHIER
THREE VALUE AREAS
This smartwatch app concept makes healthy living easier and fun. It adds value to your
health insurance in two ways: on one hand it enables you to win over millennials with services
that are smarter and more effective; on the other, it makes your brand more intimate and
closer to the customer. The app is designed to interact with users like a coach — building
trust and conﬁdence.
DELIVER HIGHER VALUE AT A GLANCE
It’s a great addition to any existing mobile solution.

A COMPREHENSIVE APPROACH
Being healthy and fit involves more than eating
or exercising: it’s a lifestyle.
The app guides the user through the steps
needed to adopt healthy habits and stay fit.
Like a personal coach, it sets objectives,
motivates the user to achieve results and
creates a user-interaction experience that’s
more personal and human.
TAKING YOUR CUSTOMER'S PERSPECTIVE
Actual components will be defined during implementation according to your objectives
and capabilities.
BALANCEDDIET
HEALTHY HABITS
REGULAREXERCISE
REGULAR MEDICAL
CHECK-UPS
POSITIVE
THINKING
01
02
03
04
05

ENGAGE COACH REWARD
exam
pleTHREE APP FUNCTIONS
GETTING HEALTHY HAS NEVER BEEN EASIER

exam
pleAPP FUNCTION: ENGAGE
At the beginning, the app’s focus is to engage users.
• Developing a personalized plan and goal-setting for a
healthier lifestyle
• Creating awareness of the potential health benefits of
following the plan
• Creating awareness of the advantages insurance offers
when a customer follows the plan
The app includes a demo program for undecided
prospects.
BUSINESS BENEFIT: EMPOWERING YOUR SALES FUNNEL

exam
pleAPP FUNCTION: COACH
During the execution of the plan, the app supports the user
like a real coach. It provides advice, boosts confidence and
develops an intimate connection with the customer.
• MOTIVATING: Delivering motivational content to boost
confidence and applying gamification techniques
• ADVISING: Suggesting exercise, anti-stress habits and a
personalized diet
• MONITORING: Providing fast access to the progress
outlook, milestone achievements and earned rewards
BUSINESS BENEFIT: DRIVING APP RETENTION AND FREQUENT USE
FEATURE POWERED BY EMOZIONELLA AI
Emozionella AI gives apps the power to deliver contextually
relevant experiences and achieve a higher level of personalization.
Learn more

exam
pleAPP FUNCTION: REWARD
When the health improvement objectives are achieved, the
user enjoys the rewards (such as lower premiums and
perks) and the app engages the user to move to the next
health plan.
• CELEBRATING: Showing the brand is happy for the
achievements of the user
• REWARDING: Delivering the earned benefits.
• ENGAGING: Stimulating the user to achieve new
objectives and enjoy different and attractive rewards
BUSINESS BENEFIT: BOOSTING CUSTOMER SATISFACTION

Coach 10:09
LEVEL3: 1000p
650P
2
3 more workouts
and you’ll reach
level 3!
When a new level is achieved, it is clearly
visible on this section. From here it is
possible to redeem the prize.
NEW LEVEL
The coach suggests the best way to
reach the next level.
PERSONAL ADVICE
This section shows all the awards
received and those waiting to be
achieved.
AWARDS
LEVEL 2
ACHIEVED!
REDEEM PRIZE
AWARDS
Points are collected as customers achieve
objectives and use speciﬁc features of the
app.
When users collect a certain amount of
points, they receive awards, prizes and
move to the next level.
GAMIFICATION
MAKE IT FUN AND MORE ENGAGING
FEATURE POWERED BY EMOZIONELLA AI
Emozionella AI gives apps the power to deliver contextually
relevant experiences and achieve a higher level of personalization.
Learn more
When the circle is closed the new level is
achieved!
The points collected and current level are
displayed with an intuitive design.
NEXT LEVEL
POINTS AND LEVEL
GAMIFICATION MODULE EXAMPLE
For the app’s entire experience outline,
contact Emozionella at:
www.emozionella.com

YOUR BUSINESS BENEFITS
ATTRACT, SELL AND RETAIN
Strong Brand
Positioning
A smartwatch app makes your
insurance product more relevant to
the young, trendy market and places
your brand where the action – and
profit – really is
Customer Retention
By helping customers to lead
healthier lives, your brand extends
the value of the insurance and builds
a "human" closeness with users. This
enhances trust and boosts retention.
Higher Sales
By offering an advanced
experience and clear benefits with
the app (such as lower premiums
and rewards) your insurance stands
out as more attractive and
advanced — an obvious choice
over the competition.
Lower Claim Rates
This app concept enables you to
lower claims rates by empowering
customers to lead a healthier lifestyle.

As it's on the skin, it records precise biometric data that we can
use to better track exercise, condition and context in real time.
The app is conceived around the wearable experience and u5lizes the smartphone to execute certain
func5ons and deliver the app’s core features to those who don’t have a smartwatch.
It has unique biometric and activity sensors
It is intimate, always with the user
It enables the app to deliver coaching services, build
trust and develop the emotional bond customers crave.
WHY IT WORKS BEST ON A SMARTWATCH
The user has a quick and multi-sensorial access to info and functions.
This creates engagement and a highly rewarding experience.
It is the only device with fast, actionable interactions
A CROSS-DEVICE EXPERIENCE

CREATING THE EXPERIENCE
BREATHE LIFE INTO THE APP
CREATE A HUMAN CONNECTION
To deliver a superior experience, we apply a mul5-
sensorial design that simplifies the app usage and
creates an emo5onal bond with the user. We
leverage our ar5ficial intelligence solu5on to deliver
personalized visual styles, sounds and hap5c
s5mula5ons.
Applying Artificial intelligence
Adapting to Each User
Multi-sensorial Design
MAKE IT FEEL SPECIAL
With Emozionella’s AI, the app automa5cally:
• Engages interac5ons best fiFng the user's
personality and mobile contexts.
• Creates a smart and individualized health plan,
tailored to the specifics of each user.
As a real coach, the app grows and
develops as the user gains confidence and
achieves results. As it happens with
games, the app has stages for func5ons
and features that unfold over 5me as the
user achieves objec5ves.

‣ DELIVER NOTIFICATIONS AT THE RIGHT TIME - SO THEY
DON’T DISTURB
‣ ENABLE ADAPTIVE EXPERIENCES - SO INFO IS VISUALIZED
IN A WAY THAT BEST FITS THE CONTEXT
‣ USE LANGUAGE THAT BEST RESONATES WITH THE
USER'S UNIQUE PERSONALITY
With Emozionella AI, apps live and breathe with the user. Once
implemented, the whole experience is adapted in real time to
perfectly resonate with the context and personality of the user.
It can be added to any app through our SDK.
BOOST THE EXPERIENCE
WITH OUR AI SOLUTION
EMOZIONELLA ARTIFICIAL INTELLIGENCE
v.01b

TITLE TEXT
DELIVER A SEAMLESS
MOBILE EXPERIENCE
CONNECT THE INTIMACY OF THE WATCH
WITH THE POWER OF THE PHONE
SYNERGIES BETWEEN MOBILE DEVICES
In addi5on to the smartwatch app, Emozionella also creates the concept and experience for
the smartphone app.
Besides enabling advanced features, the smartphone app provides — to the best extent
possible — the app’s core func5ons to those who do not have a smartwatch.
Watch + phone: Emozionella is for all your mobile users.
v.01a
DAY-TO-DAY COACHING ACTIVATION AND SET-UP
- MOTIVATING
- INFORMING
- INTERACTING
- COACHING
- SET-UP
- DATA COLLECTION AND ANALYSIS
- EXTENDED FUNCTIONS

CORE FLOWS
D ATA
Engage
Coach
Reward
HEALTH COACH
ARTIFICIAL
INTELLIGENCE
CONTEXT
Lifestyle

Auto-tracked by
the phone and
added by users
Workouts

Auto-tracked by
watch
USER INTERACTS QUICKLY AND OFTEN
Info

Coming from the
Insurance
PERSONALITY
COGNITIVE ENGINE
MOTIVATING
GAMIFICATION
PLAN
WHAT HAPPENS BEHIND THE SCENES WHAT THE USER SEES
There are three main data
sources needed for the app to
work: the insurance, the
phone and the watch.
The app uses Emozionella AI
to analyze data and deliver
contextually relevant
experiences.
The smartwatch and the
smartphone work together to
deliver the experience.

This presentation is a sneak preview of the concept.
If you’re interested in knowing more about it, contact us at:
info@emozionella.com
You will get, for FREE:
- 2 hours’ consultation on the topic
- A concept outline for your needs
- A preliminary operational approach
Interested in
this concept?

Operational
Approach
Copyright © 2017 Emozionella. All rights reserved.

Copyright © 2017 Emozionella®. All rights reserved.Copyright © 2017 Emozionella®. All rights reserved.
P0C1 P1I
CONCEPT
User
needs
Business
objectives
Competition
Concept
SCOPEDEVELOPMENT
APP CONCEPT
PROTOTYPE POC PROJECT
PROTOTYPE PROOF OF CONCEPT (POC)
Prototype

ready
Concept

readyIntent
IMPLEMENT
CHANGES
EVALUATE
FEEDBACK
FIELD TESTS
C0
Opportunity

identified
EXAMPLE OF A PROJECT
• Strategy definition: opportunity and value areas

• Business case creation

• User stories and use cases development

• Concept development

• Feasibility study

• Selection of service providers

• Minimum viable product (MVP) definition

• Early roadmap creation

• Experience outlined: phone and watch

• Legal and financial framework ready

• Inclusion of potential users into the project
v.01d
POC
completed
• Determining the scope of the prototype

• Use cases creation

• Device selection for the prototype

• IT solution identified

• AI set-up

• Experience design

• Operational processes identified

• Prototype app development
• Select target and location for research

• A/B testing strategy for real-case scenarios.

• Select KPIs and survey methodologies

• Plan the POC readiness

• Execution of the field tests with actual target
users

• Update concept and prototype with feedback

• Define roadmap

• Suggest pilot approach

ARTIFICIAL INTELLIGENCE
AI algorithms, interaction framework, content set-up and
admin console.
EXTENDED CONCEPT VALIDATION
Conduct proof of concept on 3 concept variations to select the
one that is best for business and users.
IT REQUIREMENTS
Translate the app concept (business requirements) into IT
requirements.
CONSUMER INSIGHTS
Conduct consumer and market research to identify consumer
needs vs market offering.
CONCEPT IDEA
Product (MVP & way forward). Branding.
Business benefits. User stories, epics
and themes creation. Features and
experience outline. Target and value
proposition. GTM plan.
BUSINESS CASE
Costs & efforts (development and
maintenance) vs benefits. Business
models and KPIs.
OPERATIONAL
Feasibility study. Definition of IT capabilities
needed. Business processes modeling.
Designing customer service and support
needs. Proof-of-concept project
management. Pilot & roll-out plan.
BASIC WIREFRAME &
FLOWS
App basic functions, interaction
framework and primary use cases.
CHANGES TO
SMARTPHONE APP
Definition of primary-use cases.
Identification of changes needed. Cost-
and-effort analysis. Creation of a
change-management plan.
TYPICAL CONCEPT DELIVERABLES BY EMOZIONELLA
v.01b
ADDITIONAL MODULES

Enable the design to adapt to the user's personality and
context in real time.
PROTOTYPE
Creation of the prototype to test the experience.
SURVEY AND VALIDATION
Test the experience with real customers.
BRAND IDENTITY ON WEARABLES
Studying the best brand image on wearables.
GRAPHIC DESIGN &
RESOURCES
Design of the entire app and creation of
all the graphic, sounds and haptic
elements.
WIREFRAME
Designing the overall app structure and
interaction framework.
INTERACTION DESIGN
Creating a dynamic design for real-time
interaction and experience adaptation to
personality and context.
USER-JOURNEY DESIGN
Defining the experience based on interaction
patterns, use cases and related path-to-
purposes. Designing cross-device journeys.
MULTI-SENSORIAL
DESIGN
Designing the app emotional layer
leveraging graphics, sounds and haptic
stimulations.
TYPICAL EXPERIENCE DELIVERABLES BY EMOZIONELLA
ADDITIONAL MODULES
v.01a

BANK
GOLD LOAN
1st Prize!
WE SUPPORT ALL MAJOR PLATFORMS

Emozionella’s core team
• Project manager
• Product manager
• Sound designer
• Experience designer
• Psychologist
• Technologist
Customer reference
Project Steering Group
• Customer participants
• Emozionella CEO
Customer subject-matter
experts and key personnel
• Business development
• IT
• Legal
• Other consultants
• Weekly project ofﬁce meeting
with core team and key
resources from customer
• Steering group to approve
milestone changes
• Weekly status update from
Emozionella for core and
extended team
• Emozionella project manager will
be also on customer site if /
when agreed
GOVERNANCE
We work alongside your team and suppliers
EXAMPLE OF PROJECT ORGANIZATION

Business consulting
Mastering all stages of concept development, from
strategy to prototype, with a multifunctional team of
strategists, psychologists, designers and technologists.
Artificial Intelligence
Emozionella AI enables apps to live and breathe with the
user. Once implemented, the whole experience is
adapted in real time to perfectly resonate with the
context and personality of the user.
Our offering is built to solve the
challenges brands face when
expanding their business into
wearables.
Deﬁne a value proposition that
works for wearables
Create apps so smart they
deliver value at a glance
• Deliver the value and the experience users crave
• Create an intimate connection with the user
• Power the whole mobile ecosystem to satisfy the
new mobile consumer needs
• Satisfy contextual needs
• Speak to the customer at the right time
• Boost app retention
EMOZIONELLA’S OFFERING
v.01c

We have the right talent mix to deliver
superior quality. Our product managers,
technologists and designers work with
fashion designers and psychologists to
create the perfect app for any business
strategy.
COST-EFFECTIVE SOLUTIONS
MULTIFUNCTIONAL TEAM
To enable cuFng-edge experiences, we
apply ar5ficial intelligence algorithms to
our concepts. Now each app delivers its
func5ons based on the individuality of the
user.
Why waste 5me and money working with different
providers of app concepts and design? With Emozionella
you’re just a step away from your en5re smartwatch app
concept. Thanks to our flat organiza5on, we are far faster,
and cheaper, than other consultants. 
WHY CHOOSE EMOZIONELLA?

Past: ADV designing for Coca-Cola, Telefonica, Unilever, Bankia,
Repsol, Founder "Milk the Agency"
Achievements Mediastar game design award, AR synesthesia
app concept and development, Cross-media app prototypes for
broadcasting
Expertise: UX design, Mobile app development, 3D modeling
Past Brand design for Unilever, ADV design campaign for
Renault, Co-founder of "Milk the Agency"

Achievements Illustration and animation for major
advertising and broadcasting companies, Bologna
International Book Fair Award, OFFF Award

Expertise Graphic design, 2D animation, illustration
Past Nokia, Genertel (Generali Insurance), Sportnetwork
(Amodei Publishing)
Achieved Raised profits for Nokia with new smartphone
services, boosted app success for Sportnetwork, delivered new
concepts to Genertel insurance
Expertise Product concepts, insights, business development,
service management, ITIL
Past Ernst & Young, Noema HR, Asset Management,
Achieved Personality recognition model for AI; Hierarchical
Interactive Training model
Expertise Psychology, personality detection, AI, Coaching
Psychology, HRFounder
Founder
Giuliano Valeri
CEO & CIO
Fabrizio Quintili
Interactional psychologist / Artificial
intelligence
Raquel Garcia
Chief Executive, CFO and lead
designer
Fabio Valeri
Director of services, R & D
Founded in 2015 in Spain, Emozionella is the first consulting company
specializing in smartwatch app concepts.
OUR MANAGEMENT TEAM

www.emozionella.com
info@emozionella.com
CONTACT US
This document is produced by Emozionella as general guidance. It is not intended to provide specific advice on your
circumstances. If you require advice or further details, please contact Emozionella.
Copyright © 2017 Emozionella All rights reserved.
ECI_004_EN
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