The emergence of new technologies such as artificial intelligence, machine learning, etc. fuel innovation in unprecedented ways. Insurance provider Bajaj Allianz General Insurance Co. Ltd. has developed a mobile phone app that facilitates digital pre-insurance medical exams.

Named Digi-Swasth, the app is an innovative approach that harnesses cutting-edge technologies such as AI, ML, and the Internet of Things (IOT). Through integration with various partner systems, the mobile phone app is able to facilitate an appointment scheduling system that can serve clients anytime, anywhere. In fact, the platform has been able to challenge the traditional method of medical examinations by leveraging technology in innovative ways. In addition, integration with partners ensures a high level of engagement at every point of contact.

“The healthcare operations team and the IT team launched the project. They prepared detailed requirements which included several important factors such as functionality, technical aspects and security of the platform. Within months, we were ready to go, ”said Dipu. KV, Chairman, Bajaj Allianz General Insurance. A call was made for UAT testing and the software was deployed for production. The portal went live soon after.

The project’s journey from idea to implementation and adoption went off without a hitch and produced rich dividends for the company, says Dipu. By leveraging automation, the resource requirement has dropped from 5 to 7 FTEs to around 1 FTE. Live status updates are now sent to stakeholders 24 hours a day. The innovative project was able to bring together several technologies, partners as well as internal stakeholders and enables the company to reach new customers and customers. dramatically improve the customer experience.

Dipu says his organization is the first general insurance company to launch such an innovative health screening process.

“We made innovation available at the customer’s doorstep. By leveraging mobile apps and instant transfers of customer recorded data such as ECG and other vital signs to the central system and digital transfer of medical data as well as laboratory reports, the entire process is seamless, ”explains the technology leader.

The platform has been able to create a seamless onboarding experience for its clients and has equipped them with a self-guided appointment system that works at their convenience. The completely paperless travel has been able to provide a great experience for customers.

Previously, the entire pre-insurance medical check-up process was done manually with a number of dependencies and interventions from other teams. The process included up to 15 manual activities such as recommending medical reports by insurers, extracting medical test data, cleaning data, recording cases involving manual entry of client details into the system. for each case and the transmission of files to the supplier, etc. In addition, the data had to be uploaded manually to the TPA site, which was time consuming. Users had to update the status manually for each case by changing multiple windows. Downloading reports, following up with diagnostic centers, downloading medical reports and uploading them back into the system were all tedious tasks.

Today it is quite evident that Bajaj Allianz General Insurance would not have been able to meet its business objectives. Due to the fact that the innovative project involved multiple organizations, new emerging technologies and new levels of engagement with customers, the initiative is indeed extraordinary in terms of impact and reach.

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