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Case Studies

ICICI Lombard General Insurance is one of India’s leading private sector general insurance companies. The Company provides an array of comprehensive and well-diversified non-life insurance products and risk management solutions to secure customers and their family against unexpected and untoward events. It has a strong, diversified and seamless distribution channel both online and offline to serve the needs of its individual, corporate, MSMEs and government customers.

About the Company

A leading IT company in India, with a workforce of approximately 5,000 employees, predominantly male (70%) with an average age of 34 years. The demographic trends suggested a higher propensity for certain health conditions including diabetes, pre-diabetes, obesity and pregnancy.

Assessment

Our team undertook a detailed assessment of the company's health profile. We found that 11% of the employees were diabetic, around 36% were either diabetic or pre-diabetic, and more than 50% had obesity issues.

Aim

To provide a well-structured, personalized health coverage catered to the employee’s specific health risks that is tech-based and user-friendly for the employees.


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Recommendations from our team

Recognizing the substantial prevalence of lifestyle diseases within the workforce, we provided the company with a customized wellness planner. This included:

  • Health risk assessments
  • Diet and exercise trackers
  • Health webinars
  • Disease management programs
  • Weight management support.

With a strong focus on lifestyle modification, the wellness planner aimed to reduce the health risks within the company and lower their claims outgo over a period of two years.


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Activities performed by the insured after the recommendations

  • ICICI Lombard provided a tiered health product with differentiated coverage across different bands. The cover was designed with a special focus on chronic diseases such as:
    • Diabetes, pre-diabetes, and obesity
    • Comprehensive maternity coverage.
  • Innovative Digital Solutions (ILTakeCare): Employees were provided with cashless Out-Patient (OPD) solutions. The digital platform ensured easy access to healthcare services, facilitating timely health interventions and preventative healthcare. These included:
    • Teleconsultations
    • Mental wellness experts
    • Self-health assessment features such as facial scans for blood pressure, heart rate, cardiac variance, and SpO2 levels.

Outcome

  • The customized health solution provided by ICICI Lombard, powered by the innovative ILTK digital platform, offered the IT company a comprehensive and accessible healthcare package tailored to their specific needs.
  • By focusing on proactive and preventative healthcare, we helped the company manage the prevalent health risks within their workforce and optimize their health insurance claims.
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