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ekincare, a health benefits platform that helps companies administer benefits efficiently, has now announced capabilities to partner with health-insurance companies through white-labeled platforms.

The Hyderabad-based startup recently collaborated with Bharti AXA General Insurance, a leading non-life insurer to launch ‘Bharti AXA Wellness Cuppa.’

A growing trend has been observed to embrace well-being through health insurance. Until recently, health insurance premiums were the same irrespective of individuals having better health parameters than the rest. However, this trend is slowly beginning to change with the Insurance Regulatory and Development Authority of India (IRDA) laying a strong emphasis on customer wellness and encouraging health insurers to create offerings that cater to preventive healthcare needs of their customers.

At ekincare, regular assessment of an individual’s health provides insights on their current and potential medical issues, risk for chronic preventable diseases such as diabetes, heart disease, and hypertension, and helps identify strategies for improved health and well-being. These assessments provide important information that helps shape the direction of their internal health and well-being initiatives.

  • ekincare’s “flexi care” policy engine that can be customized 30,000 ways facilitate health interventions (part of the policy).
  • ekincare’s “care link” provides cashless OPD facilities across 10,000 healthcare service providers across 150 cities.
  • ekincare’s “data sense” tracks and validates the utilization, health statutes to auto adjudicate OPD claims, gives reward points and prevents frauds.
  • ekincare’s AI-based “care ngage” personalises a policy holder’s health journey and nudges them towards positive health.

Bharti AXA Wellness Cuppa

Bharti AXA General Insurance has launched its fitness app – ‘Bharti AXA Wellness Cuppa” for its customers in partnership with ekincare. This wellness portal and app will help customers keep track of their daily fitness levels, manage dependents, provide personalised content and have active challenges to participate in.

Bharti AXA’s customers can download the newly launched app(iOS/Android) through which the customers can input all key metrics pertaining to their health. Through the wellness portal and app, the policyholders can avail the entire gamut of wellness features and services in one place. Apart from health rewards, some of the features also include video/teleconsultation, pharmacy, and diagnostic services, online chat with doctors, doctor’s appointment, doctor on call, and medical second opinion. All these services are handled digitally by the ekincare platform.

ekincare CEO and Founder Kiran Kalakuntla said, “In India, the concept of personalised health insurance premiums basis an individuals’ health conditions is extremely nascent. Over the last few years, there has been a significant increase in uptake of health insurance premiums among customers under the age of 35 years.”

However, it continues to be a discretionary purchase among the younger population as they tend to undermine health risks and foresee limited need for hospitalisation.

“By working with health-insurance companies to offer our AI driven platform, we can definitely help Young India to understand the importance of having a health insurance,” Kalakuntla said.

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