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April 7, 2019 By GOQii Leave a Comment

Stay Active, Stay Covered, Stay Stress Free | World Health Day

stay active stay covered stay healthyOne of the key points mentioned during GOQii’s annual event in December last year was that our current healthcare systems focus more on ‘sick care’ rather than preventive healthcare. Measures taken to ensure good health are often reactive as compared to proactive. The problem with this approach is that any precautions we take concerning health won’t be in place until it is too late.

We couldn’t stress more on why this mindset of ‘sick care’ is unyielding as opposed to leading a healthy lifestyle from the start. But as the case with most diseases and unpredictability of unfavorable circumstances, you can never be too prepared. With high healthcare costs and the trust in the healthcare systems decreasing, health insurance is certainly the need of the hour.

Universal Health Coverage

Everybody everywhere is entitled to health coverage that does not harm or put their finances at risk. Based on the WHO constitution of 1948, which declared health a fundamental human right and on the Health for All agenda set by the Alma Ata declaration in 1978, this year’s WHO theme for World Health Day is Universal Health Coverage. It is to ensure better health and protection for the poorest of the poor.

India and Universal Health Coverage

In India, approximately 62% deaths among men and 52% among women, occur due to non-communicable diseases. Due to the low utilization of the public health system, lack of effective management, awareness, and fragmentation of the healthcare services, families are forced to incur high expenditures leading to impoverishment and poverty on account of medical and hospitalization expenses. (source: https://www.pmjay.gov.in)

In an attempt to fulfill the vision of Health for All and Universal Health Coverage, the government conceived Ayushman Bharat, an initiative led by our Prime Minister Narendra Modi. Ayushman Bharat encompasses two complementary schemes, Health and Wellness Centers and National Health Protection Scheme. The Protection Scheme is envisaged to provide financial risk protection of Rs 5 lakh per family, per year to poor and vulnerable families arising out of primary and tertiary care hospitalization.

How GOQii Can Help

GOQii has always believed in enabling individuals to move from a reactive healthcare pattern to a more proactive one. The only way to achieve this is by rewarding good health. By using the data we collect, insurance companies lessen or alter the premiums paid for the life/health insurance they offer to their users, thereby cutting the cost for healthier users and altering the same for higher risk users. This helps the insurance companies and insurance holders make an informed choice of dealing with their health risks.

Through our partnership with Max Bupa, we offer a holistic health insurance offering called –‘Max Bupa GoActive’ to fulfil our customers’ daily health needs. GoActive is a digitally enabled health insurance plan that has been designed to give customers a 360-degree coverage including in-patient hospitalization and on-the-go access to OPD, diagnostics, personalized health coaching, second medical opinion, behavioral counseling and much more. The plan offers up to 20 per cent premium discount on achieving predetermined health scores and also offers benefits such as renewal discount of up to 20 per cent post achieving their health goals. We have also partnered with Swiss Re to provide underwriting assistance to Max Bupa wherein Swiss Re uses GOQii’s data to create relevant products and also build expertise to create risk assessment models for future.

In simple terms, get healthier, improve your health score and pay less premiums on your insurance cover.

To ensure good health and wellness, GOQii has organized a World Health Day Super Sale on the GOQii Health Store. Get amazing discounts on healthy products curated by our experts by using your GOQii Cash. Download the app now to avail its many benefits for free: www.goqii.com/app

#BeTheForce

January 11, 2019 By GOQii Editor 1 Comment

Insurance: An Investment in health-India Fit Report 2019

healthinsurance1

85% people believe they should get health insurance before the age of 30: Massive demand for Health Insurance fueled by an increase in Lifestyle Diseases & Growing Healthcare cost: GOQii IndiFit Report 2019

The sedentary lifestyle which many of us lead has facilitated the growth of many lifestyle diseases. A new ailment turns up time to time and this is way past the phase of surprise. Trust in the healthcare system has further depleted with 96.5% of people not trusting the system as the number of zeroes on bills keep increasing and thus the need for health insurance is higher than ever.

According to the 5th edition of the GOQii India Fit Report 2019 titled  that released yesterday, “There is a massive demand for Health Insurance fueled by an increase in Lifestyle Diseases & Growing Healthcare cost” The survey that was conducted among 700,000 respondents across the country indicates that 85% respondent believe they should get health insurance before the age of 30.

The report, however, indicates despite the increasing awareness about the importance and need for an insurance policy, 20% of the respondents still don’t own insurance policy. The common notion that continues to prevail is that insurance is confusing to understand, a prime reason that discourages people from buying one. The high cost of insurance also deters them.

healthinsurance-graphInsurance premiums are on a constant rise, it is getting more expensive year after year and procuring ideal health insurance for you and your family has become shockingly confusing. What exactly is “Ideal” when we talk about Health Insurance?

Respondents at large felt that ideal health insurance should cover medical check-ups, cost of medicines, Ambulance charges, Dental treatment, Follow-up charges post-surgery and preventive medicines. The other benefits they looked for also included Accidental coverage, Good Afterlife benefits, Benefits for nominees, complete coverage / Maximum cover, Easy claim settlement, Sum assured benefits and term insurance benefits. Respondents strongly believed cashless hospitalization (87.9%) is the most sought-after health insurance benefit followed by medical bills reimbursement facility (67.7%) and better treatment in best hospitals (59.0%).

When we asked the respondents about what a trustworthy insurance plan would be? This is what he had to say, “A trustworthy insurance plan should have a low premium, high returns, wide range of ailments that will be covered under insurance and no deductions based on the condition of a person while he/she buys the insurance”.

According to the India FiT report 2019, 90% of people believe healthier people should pay lesser premiums on their insurance policies. 70% are willing to share health data with insurance companies to get a discount on premiums.

Download the full report here: www.Indiafit.org

 

 

April 20, 2017 By GOQii Editor 1 Comment

GOQii enters into alliance with Max Bupa and Swiss Re for Health Offerings

GOQii-Bupa

In the current times buying a health insurance plan has become very difficult owing to the increase in the costs of these plans. Secondly, healthy people are paying more premiums for the people who are sick. More often than not healthy people are carrying the burden of the unhealthy people and paying disproportionately. This is exactly how all insurance plans work. Healthy people are always found asking the questions why am I paying so much in spite of being healthy?

Three-year-old GOQii, the health and wellness ecosystem start-up focused on preventive healthcare has been working on how it could help all those who are healthy, benefit from healthcare plans. To complement its offerings around pre-emptive healthcare and wellness, GOQii has entered into a partnership with Max Bupa, a specialised health insurer, and Swiss Re, leading global reinsurer to provide differentiated and comprehensive health offerings.

As a part of this three-way deal, Max Bupa consumers will get ready access to GOQii’s unique personalised wellness engine which is equipped with solutions such as health coaching and health management tools. Swiss Re will provide technical assistance to Max Bupa in creating relevant products and building expertise to create risk assessment models for future.

“At GOQii, we respond to consumer insights with the help of technology innovations to offer fitness products and services which blend seamlessly in a consumer’s lifestyle and add value. Going beyond the wearable fitness band, we have introduced tools and services which inculcate the intent of healthy living among consumers. Our tie-up with Max Bupa complements our current offerings around pre-emptive healthcare and wellness,” says Vishal Gondal, Founder & CEO, GOQii.

Ashish Mehrotra, MD & CEO, Max Bupa says, “Over the last few years, we have seen a significant increase in uptake of health insurance among customers under the age of 35 years. This segment is very active digitally and is turning to technology to stay fit. It is predicted that by 2019, 2 out of 5 internet users will use a health app. Engagement with such tools could be as high as 50%. This gives us a huge opportunity to promote holistic wellness by leveraging personal healthcare devices that are capable of tracking and relaying medically useful information”.

“Offering pre-emptive wellness solutions for maintaining their health is one effective way to engage with young customers and encourage them to buy health insurance. GOQii, with its rich expertise in the digital wellness space, provides an ideal platform that will help us penetrate deeper into this segment and serve the large uninsured population in the country,” Mehrotra adds.

For Swiss Re with the opening of its India branch, its focus is to develop sustainable practices in health insurance. We will provide technical support through our costing and risk management expertise. Kalpana Sampat, CEO of Swiss Re India Branch, added, “We are delighted to partner with Max Bupa and GOQii. With more tech-savvy and health conscious consumers, insurers like Max Bupa will have much to gain from working together with partners like GoQii. The overall health insurance programme connected with technology will help to reduce claims cost and allow insurers to better price their products for consumers”.

The new offering is also in line with the recent health insurance guidelines where IRDA is laying a strong emphasis on driving the shift from ‘illness to wellness’ and encouraging insurance companies to create offerings that cater to preventive healthcare needs of customers. With this alliance, Max Bupa has become the first health insurer in the country to partner with a digital health and fitness brand to create digitally enabled, holistic wellness solutions, tailor-made to meet the evolving health needs of customers.

http://www.business-standard.com/article/news-ians/max-bupa-partners-with-goqii-swiss-re-117042000616_1.html

http://www.moneycontrol.com/news/business/economy/max-bupa-partners-with-goqii-swiss-re-for-wellness-solutions-2262439.html

http://www.thehindubusinessline.com/money-and-banking/max-bupa-inks-alliance-with-goqii-swiss-re/article9652945.ece

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