Embedded health is transforming the traditional role of insurers from passive claim-payers to active partners in their customers’ health journeys. By integrating health services—like wellness tools, virtual care, and personalized health content—directly into existing insurance apps and digital platforms, insurers can offer continuous value beyond claims.

This shift not only enhances customer satisfaction and engagement but also drives tangible business outcomes, such as improved retention, increased acquisition, and reduced operational costs. The key is embedding these services where customers already are—whether in insurance apps, distribution channels, or even lifestyle and retail platforms.

In this episode of the Asia InsurTech Podcast, Shane Di and Sebastien Gaudin of The CareVoice dive into the rapidly evolving world of embedded health within the insurance sector.

They discuss how integrating health services directly into the digital lives of their customers create seamless experiences that go beyond policy management. Through a user-first approach, they’ve built a platform that not only engages customers but also foster long-term relationships. The key to their success? Speed, flexibility, and personalization that speak directly to the end user.

Building flexible, scalable platforms that can be deployed quickly and adapted easily is essential to stay competitive for insurers. As digital health becomes central to the insurance value chain, the future lies in systems that are fast to launch, simple to manage, and built to evolve—always with the end user at the core.

The post EP 245 – Can Insurers Move From Claims to Care With Embedded Health? – Shane Di and Sebastien Gaudin – The CareVoice appeared first on Asia InsurTech Podcast.

Insurance policies are designed to be comprehensive and legally sound, but their complexity often leaves both customers and professionals overwhelmed and uncertain. Bridging the gap between regulatory necessity and user understanding requires more than just simplifying language — it demands a new approach to structuring and accessing information. By distilling complex documents into clear, intuitive insights, it becomes possible to empower brokers, underwriters, and claims managers to make faster, more confident decisions, while restoring trust with customers who deserve transparency.

In this episode, we spoke with Jasmin Flori-Hess, the Founder and CEO of Raindrop, about her mission to bring trust, clarity, and transparency to insurance. What began as a personal frustration — spending 15 hours reading through insurance policies before a family camping trip — led Jasmin to create a solution that transforms complex policy documents into simple, actionable insights.

Driven by a customer-first mindset and an outsider’s fresh perspective, Jasmin built Raindrop not just for consumers, but also for brokers, carriers, and claims managers who struggle to navigate the growing complexity of insurance products. Raindrop’s platform uses a specialized AI model, trained only on policy documents, to ensure accurate, explainable answers without bias — offering a new standard of trust in an industry that needs it more than ever.

The post EP 244 – Why Transparent Policy Communication Matters More Than Ever – Jasmin Flori-Hess – Founder and CEO at Raindrop appeared first on Asia InsurTech Podcast.

While banking and investment platforms rapidly moved to mobile apps over a decade ago, the insurance industry’s transition has been slower. This delay has made it more difficult for the industry to adapt to newer technologies like AI and seamless digital integration. The result is a significant gap—especially visible in areas like personal insurance for high-value items—where consumers are left without quick, flexible, options.

In this episode of the Asia InsurTech Podcast, we talk to Stephan Kaiser, the CEO and Founder of KoverNow, about why the insurance industry has fallen behind in the digital race

This delay has made it difficult for the industry to adapt to newer technologies like AI and seamless digital integration. The result is a significant gap—especially visible in areas like personal insurance for high-value items—where consumers are left without quick, flexible, or transparent options.

At the same time, luxury goods markets are booming and increasingly shifting online, with younger, digital-native consumers leading the charge. These consumers expect instant, app-based experiences—including when it comes to insuring their expensive purchases. Traditional insurance, designed for static home contents, doesn’t match these expectations.

A new approach is needed—one that blends mobile-first tech, standardized pricing for branded goods, and embedded insurance offered at the point of sale. The path forward also depends on updated regulatory frameworks and greater willingness from insurers to rethink distribution and customer engagement in the digital age.

The post EP 243 – Can Luxury Goods Insurance Go Completely Digital? – Stephan Kaiser – Founder and CEO of KoverNow appeared first on Asia InsurTech Podcast.