NIDO Innovation Lab’s Post

Hospital at Home: A Paradigm Shift in Care—and Insurance RGA’s Dr. Steve Woh explores how the Hospital at Home model is transforming healthcare by delivering hospital-level services directly into patients’ homes. For insurers, this raises important questions: 🔹 Will home-based care shorten disability durations and reduce LTD claims? 🔹 How might it affect underwriting assumptions for Life, AD&D, and LTC riders? 🔹 Could it reshape how we assess functional status and care levels for benefit eligibility? As care delivery evolves, so must our approach to risk, pricing, and product design. 📚 Read the full article: https://bit.ly/47muKEV #GroupInsurance #LTD #LifeInsurance #ADandD #LTC #Underwriting #ClaimsManagement #HospitalAtHome #Innovation #ESG #HealthTech

As assisted dying moves closer to legal reality, questions persist over whether this constitutes appropriate “treatment” for terminal illness. Without legislative clarity, clinicians may face ethical dilemmas and legal risks, potentially reshaping end-of-life decision-making in practice. Read the full article from healthcare expert Lee Biddle https://bit.ly/3IdPdkO #dwf #healthcare #casualty #insurance

The Origin of Health Economics Started in the 1960s as healthcare costs rose worldwide. Applied to dentistry in the 1980s–90s when private practices & insurance systems needed efficiency models. Today: It is a key tool for balancing patient care with financial sustainability in clinics.

Is Mandating Riders at Renewal Fair to Policyholders? As personal finance expert, I've observed a troubling trend: health insurers mandating additional riders, like Personal Accident (PA) , OPD or inflation covers, during policy renewals. This practice, seen with companies like Niva Bupa and previously Tata AIG, leads to significant premium hikes—sometimes up to 70-80%—without clear justification. While riders can enhance coverage, making them compulsory without transparent communication undermines policyholder trust. In current instance clients of Nivabupa are having a harrowing time. Policyholders who have made a claim in previous policy year are to pay for 5x personal accident cover. This sudden inclusion of mandatory riders at renewal is catching clients off guard. It's essential for insurers to maintain transparency and offer flexibility, allowing clients to choose add-ons based on their needs. As consultants, we must advocate for our clients' best interests and push for ethical practices in the industry. #InsuranceEthics #ClientAdvocacy #HealthInsurance #PolicyRenewal #Transparency

Medical severity is up 6% year over year, with physician services driving a 7% increase. Treatment utilization can be navigated by leveraging Official Disability Guidelines (ODG) and expert insights. During next week’s Sapiens Insight Session, industry experts from Encova Insurance, ODG by MCG and Sapiens will share real-world strategies for improving care decisions and reducing unnecessary treatment. Get practical insights and case study takeaways from ODG representatives, clinical practitioners, and claims professionals. Sian Boggess, RN, CCM, CDMS Pamela Bloom-Pugliese, Chris Daniel Free sign up: https://lnkd.in/dc3EjvA5

Non-life insurers seen gaining momentum in FY26 on investment income and motor recovery With supportive investment income, stronger festive-led motor demand, and rising penetration in health, non-life insurers are poised for improved earnings visibility this fiscal, even as structural challenges around hospital tie-ups and claims management persist. #NonLifeInsurance #InsuranceSector #MotorInsurance #HealthInsurance #InvestmentIncome #EarningsGrowth #InsurancePenetration #GeneralInsurance #InsuranceIndustry https://lnkd.in/dm5tAHmU

The mental health crisis is no longer on the horizon, it’s here. Demand for health and wellbeing support and services across populations and insurance markets is at record highs, claims are soaring and current systems are fragmented and unsustainable. At Spectrum.Life, we are redefining how insurers can take control. By integrating early intervention, stepped care and high-intensity treatment into one ecosystem, mental health shifts from an unpredictable cost to a measurable, optimisable asset. What does the future of digital mental health mean for insurers? Read the full interview with Johnny O'Connell, our Chief Commercial & Customer Officer, featured in Insurtech Insights here: https://shorturl.at/OtSP7 #InsurTech #InsuranceInnovation #MentalHealth #DigitalHealth #HealthTech #EarlyIntervention #DigitalTransformation #HealthCare #FullPopulationHealth Stephen Costello Stuart McGoldrick Mathilde Gadret Krishna Naidoo Andrew Macadam Ashley Rossi McInerney Dr Emelina E. Lynda McGuill Gary Coffey Kevin Higgins Dr Khyber Alam MSc FRCGP FBCS FAIDH

💊 Pharmacoeconomics: A Smarter Investment in Employee Health Did you know that medications that seem costly upfront can actually lead to long-term savings? Fewer hospitalizations, better treatment adherence, and reduced side effects—that’s the impact of pharmacoeconomics. For employers, understanding these strategies means making informed decisions that protect employee health while optimizing group insurance costs. Discover how to leverage this strategy 👉 https://ow.ly/x1Xk30sPkVg #Beneva #GroupInsurance #Pharmacoeconomics #Medication

💊 Pharmacoeconomics: A Smarter Investment in Employee Health Did you know that medications that seem costly upfront can actually lead to long-term savings? Fewer hospitalizations, better treatment adherence, and reduced side effects—that’s the impact of pharmacoeconomics. For employers, understanding these strategies means making informed decisions that protect employee health while optimizing group insurance costs. Discover how to leverage this strategy 👉 https://ow.ly/mQC230sPu8s #Beneva #GroupInsurance #Pharmacoeconomics #Medication

Navigating health insurance shouldn’t feel impossible. Yet for many older adults, it often does. Choice overload, digital barriers, and complex denial processes leave millions without the care they deserve. In our latest blog, Neal K. Shah, CEO of AgeTech Collaborative™ from AARP startup participant CareYaya Health Technologies and co-founder of Counterforce Health, explores how artificial intelligence is reshaping this reality: 📞 Voice AI that works over landlines to simplify Medicare enrollment 💬 SMS-based AI that answers coverage questions in minutes 📝 AI advocates that draft appeal letters and fight denied claims Every day, approximately 10,000 Americans turn 65 and become eligible for Medicare. These innovations couldn’t be more timely. By adapting to people rather than the other way around, AI is helping older adults gain clarity, confidence, and dignity in navigating healthcare. Read the full post → https://lnkd.in/eVWAx67Q #AgeTech #AI #HealthcareInnovation #LongevityEconomy #DigitalTransformation