The document discusses the implementation of connected insurance, which utilizes IoT technology to enhance the personalization and management of insurance services through sensors and telematics. It outlines a white-label platform that enables insurers to create seamless customer experiences by integrating various services, managing data, and providing real-time solutions. Additionally, it describes specific health-related applications and partnerships that can increase engagement and value in the insurance sector.

1. Integrated killer applications
for connected insurance
- Private & Confidential -
July 2016

2. Agenda
o Proposed approach
o Health Front
o House Front
2

3. Market: the $5 T international insurance industry
Source: Connected Insurance Observatory, Bain & Company, World Economic Forum
“ all the players in the insurance
arena will be InsurTech—
meaning organizations where
technology will prevail as the key
enabler for the achievement of
strategic goals.
Bain & Company
GROWING INSURTECH
INVESTMENTS CONNECTED INSURANCE
EXPECTED SURGE IN
CONNECTED THINGS
"[about Fintech] the greatest impact
of disruption is likely to be felt in
the insurance sector. Ubiquity of
connected devices will enable
insurers to highly personalise
insurance and proactively manage
clients’ risks”
World Economic Forum
10
connected things
per person
200
connected things
per person
Connected insurance is the approach using sensors for collecting data
on the state of an insured risk and telematics for data remote transmission
and usage along the Insurance value chain
3

4. end-to-end
solution
white-label
and
modular
Profit sharing
and
time to market
• Connected insurance SaaS for the insurance Carriers
• Single engaging and mobile based customer experience
• Device agnostic
• Already integrated with a full set of service providers
• Look & feel designed coherently with the Insurer corporate
image and brand
• Container app able to host any pre-existing insurer’s apps,
third parts' app and to evolve over time
• Insurer picks & we deploy preferred modules
• State of the art technology fully scalable
• Weeks for the go to market
• No set up costs, revenues based on % of the insurance
premium
• Modular pricing based on the module activated by the single
insurance carrier
CONVENIENT
Business model: mobile based solution enabling the Insurance
Carriers to easily deal with the connected insurance opportunity
FLEXIBLE
PAY PER USE
4

5. We are the enabler of the IoT insurance cross product
o Custom: look & feel designed coherently with the
client corporate image and brand
o Comprehensive: a wide array of coherent modules
are selected and made available to insurers
o Modular: only selected apps are included in each
insurer specific configuration according to its specific
strategy and requirements
o Flexible: able to host on our container app any pre-
existing insurer’s apps and to evolve over time
o Seamless integrated user experience from
different services for customers
o Strategically integrated solution (and data
repository) for insurer
CARfront
5

6. Customer experience integration: a white label container
app, able to integrate any existing company app
Service bundling
(ecosystem of partners)
CARfront
Integrated UX,
all wrapped up
Company picks modules
Motor services
& UBI
Home security &
safety services
We do
the wrapping
Health access
tools
Wellness
services
Medical services
6

7. What we offer: a white label platform for the insurance sector
for managing the data and the IoT customer experience
7
Integrated mobile customer experience
House Health Car
Digital
snack
IoT data repository
MGA

8. Row data
Computed
variables
Devices data
Context data
+
Insurer's
Knowledge
Insurer's
Product
Other
Data
Risk model
Customer insights
Tariff
Sales process
Insurer Big DataIoT value chain Big Data
Row data aren't smart
Traditional
insurance
data
Services delivery
…that allows insurers to manage the IoT value chain…
Activity Level Calories
Elevation Heart Rate
Floors Steps
Distance MET
Sleeping
Weight Blood Pressure
ECG SpO2
Geolocation Blood Sugar
Level
Smoke Water
Intrusion Movement
Electricity Temperature
Humidity
Clients
Premium payments Claims handling
8

9. 1. Ecosystem
connection
2. Use 3. Collection &
transmission
4. Storage
& mgt
6. Real-Time
processing
7.
Delivery
• Set-up & data
collection model
evolution
- Compatible
Smartphones
- Certified
wearables
- Third-party
apps/
ecosystems
- Linked social
networks
• App and
monitoring service
activation
• Automated
processes
- Awareness and
suggestions
- Motivation
- Engagement
• M2M data
transmission
(device to
smartphone/
gateway)
• Data reception,
pre-processing
and local
aggregation
(smartphone /
gateway)
• M2M data
transmission
(smartphone/gate
way to cloud)
• Optimized
reception and
data
normalization
• Data sets
preparation
according to
requirement of
the Company
• Privacy mgt
• Archiving and
backup
• Delivery on
customer's app
of all
information and
services related
to health policy
• Automated
processes
- Behavioural
change
- Loyalty
- Up/cross
selling
• Processing with
the Company's
proprietary
algorithms at the
virtual data
centres (private
cloud)
• Interfacing with
Company
functions (UW,
claims, marketing)
and third-party
providers
5. Insurer’s
Analytics
• Integration data sets with actuarial data for:
- Building dynamic pricing models
- Strengthening loss control processes
- Evolving services customization
… through an end-to-end process including front and back-
end Integrating also
user interfaces
of some health
services with
their specific
devices directly
connected with
their service
9

10. Agenda
o Proposed approach
o Health Front
o House Front
10

11. HealthFront is a complete set of solutions for the health
insurance industry
o Perfected for mobile users ("digital snack", high frequency usage,
content relevance)
o Unified user experience for the final customer thanks to the ability to
easily integrate any existing app from the Insurance Company or from third parties
o Is it able to connect to all main devices and
ecosystems already in use
o A white-label Saas: higly customizable according each Insurer
o Collects, handles, archives and manages the dataset made up of
granular data in a “big data” mindset
o Enabler of innovation thanks to the ability to orchestrate the
partners' value proposition around the insurance cover
Connected
Insurance
Mobile
Ecosystem
11

12. We connect health insurance to wellness and health
services generating real value for insurance P&L
• Gamification and engagement
based on wearables and tailor-
made goals
• Wellness contents (programs/diet)
in multiple formats
• Direct Personal Trainer
consultation via App
• Wellness agreements (services /
products)
• Call center for emergencies
• Pharmaceutical products ordering and home-delivery
• e-health with specific devices for specific target patients (elder care, heart
problems and diabetes patients, ...), including alerting on possible critical health
conditions
• Professional medical advice
(messaging, call, video)
• “Discounted" prices for doctors and
structures which are part of preferred
network
• Online booking and payments for
medical visit (enhanced by
geolocation tool)
• Medical history and digital health
“agenda”
HEALTH SERVICES
WELLNESS HEALTH ACCESS & TOOLS
A
BBC
12
INSURANCE
COVERS

13. We have a ready-made unique solution, highly specialized
partners included!
INSURANCE
OPPORTUNITIES
13
Already completed a pilot with an Italian Health Funds,
we are starting with them the implementation phase
HEALTH SERVICES
WELLNESS HEALTH ACCESS & TOOLS
A
BBC

14. We manage an inter-connected ecosystem which we put to
use for the individual’s protection
14 14

15. One of the components is “Consiglio dal Medico”, a
consumer app which has been a best-seller in the Italian
Apple Store since 2013
“Consiglio dal Medico is an
App for smartphone
which offers a real time
message exchage
system for asking a
medical advice from a
network of qualified
doctors”
15

16. Consiglio dal Medico
16
o Consiglio dal Medico (CdM) is a medical App
developed by DigitalTech International, a hi-tech
company with offices in Italy and Singapore
o CdM has been one of the first remote medical advise
Apps developed globally and still is the only one up
and running in Italy
o In recent months there has a growing interest on
similar Apps, as they are an ideal entry point to create
a digital platform to provide a wide array of medical
services to both consumers and corporate, including
insurers
o DigitalTech International is looking for the right partner
to jointly scale up CdM and accelerate its growth
trajectory to pursue its full potential

17. Agenda
o Proposed approach
o Health Front
o House Front
17

18. The technological solution to bundle with the insurance
policy is based on sensors linked to the gateway
connected to the cloud
Phone of family
members
18

19. Home-kit composition
d. User manual
c. Smoke sensors
 Lithium battery
 Battery level indicator
 RF 868/916.5 MHz communication
 Battery life up to 4 years
 Combined smoke and heat sensor
b. Water sensors
 Lithium battery
 RF 868/916.5 MHz communication
 Removal block both front and rear
 Battery life up to 4 years
 Reduced possibility of false alarms
a. Gateway
 Network supply
 RF 868/916.5 MHz communication
 GPRS GSM Quad Band Module
e. Lithium battery
 CR2 3V battery
19

20. The gateway which is installed in the household is key to
develop further offerings …
20

21. … through a connected ecosystem that we can
leverage to ensure individuals’ protection
•Gamification e engagement
•Concorsi wellness
•Advice dal Personal Trainer
•Servizi / prodotti wellness
•Consigli medici professionali
•Contenuti medicali
•Call center per emergenze
•Prodotti farmaceutici
•e-health con device specifici
• Cliniche consigliati
•Booking e pagamento online
•Storico medico
•Digital health “agenda”
21

22. Such an approach allows the insurer to become the hub
for domotic services
22

23. - The End -
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