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New Technologies in Health Insurance Industry

Technologyโ€™s managed to enter our lives in every way possible. Now with new advancements in health care and tracking of oneโ€™s health parameters, could health insurance players have been far behind? Along with several wearables focused on fitness and well-being, we now have devices that track blood sugar, abnormal heart rhythm, stress levels etc.

 

This data is relevant especially to feed algorithms โ€” which is a first step before launching digital health insurance products.

 

Health insurers across the world are launching several new tech initiatives. The key to face this challenge is to change their existing relationships with customers. By trying to collect more customer data, they hope to better understand the health needs and accordingly increase the level of customised engagement.

 

To go deeper in prevention, health insurers are now gathering data from many sources (wearables, mobile tracking)  and focus on preventing stress & lifestyle related diseases. They also leverage AI to make real-time ECG interpretation and allow doctors to monitor their patients online. This is a combination of prevention, where the technology helps have a healthier behavior, and cost reduction by avoiding unnecessary doctorโ€™s appointments.

 

For such prediction and prevention of disease, organisations require a huge amount of data to be relevant. The first challenge for insurers here is to make people agree to share their personal data. Customers have to really feel the benefits to allow access to such private data. The next challenge is to secure that data against Cyber attacks. Hence Cybersecurity plays a big role here.

 

Tech like AI, big data analytics, machine learning, Internet of Things (IoT) technology and blockchain play a big role now. The set of challenges, includes development of high performance and scalable delivery models.

 

There are health insurers who try to reward a healthier behavior. People may get rewarded with gym lessons, sportswear items, or wearables, etc. Some also offer discount on health insurance policies to those who agree to share their health data. An Indian Health Insurance company recently tied up with Mobikwik to tap into millennials and first-time buyers for bite sized insurance. The company also collaborates with GOQii to track health score of customers, based on which they provide discounts on health insurance premiums.

 

Instead of a reactive approach, the need is to be proactive and develop algorithms which help in prevention, risk scoring, early detection etc. This in turn helps the huge amount of data be relevant and keeps health insurance payouts at a minimum.

 

Within the customer service arena also, things have moved much beyond just paperless claims.  Teleconsultation or video calls with a doctor using mobile apps, & use of AI to collect symptoms to pre-qualify diseases before any interaction with a real doctor – are required to make the process smoother & quicker for customers. Chat Bots are used to answer queries on claim status and policy copy requests. Self-claim settlement up to a certain monetary limit also helps keep overheads at a minimum. 

 

As one can see, health insurance in India is changing in a big way.



Empowerment with Srinivasan Services Trust

We all know the proverb “Give a man a fish and you feed him for a day, teach a man to fish and you feed him for a lifetime”.  But how many of us do this in our lives? Recently I was invited by SST , Srinivasan Services Trust, to visit Padavedu in Tamilnadu to observe their efforts which align perfectly with this proverb. SST was founded in 1996 and has a sound foundation encompassing sustainable initiatives touching key focus areas – infrastructure, women empowerment, social and cultural development, education, health and environment, resulting in equitable
distribution of wealth creation, reduced income gaps and human capacity building.

Padavedu is a beautiful scenic place that consists of 17 villages surrounded by Jawadu hills, forests, river, other water bodies and paddy, coconut & banana fields. So off I went, happy for the short break from Delhi’s winter and smog. The latter is what excites Delhites easily these days. The chance to breathe somewhere ELSE. Such are times. It was the kind of trip where one wonders if a village life is the kind of life we all should be living.  What exactly are we doing in urban fast paced concrete plethora we call cities?

Padavedu

We flew down to Chennai from where we drove down to Vellore, the city nearest to Padavedu cluster of villages. Our trip was very well planned and we had buffer for delays, ample time to rest overnight and the chance to begin our village visit on a fresh day. Once there, we visited various areas where SST is making its mark. SST works with the national, state governments and various communities across 5015 villages in 5 states of India, affecting the lives of 3.2 million people. Padavedu is one of the locations.

first stop – Pottery in kesavapuram

We visited a family that sustains its livelihood completely through pottery . The business is good throughout the year and especially good around festivals like Diwali. As we reach the house, we spot a lady kneading the clay as if dough for a bread except of course it’s a whole lot. Then she sprinkled some dry dust on it, which almost reminded me of oregano being sprinkled on a loaf just before baking. Well, at the end of the day, both the things do fill our stomach one way or the other :). The potter wheel was being manned by Sekhar who expertly and seemingly effortlessly gave it a good whirl and generated 4-5 earthern vessels in that single spin itself. Sekhar and his family create a large variety of things like diyas (various shapes, sizes), cooking utensils, pots, pans, show pieces and even gas stoves! One can light a fire under the earthern stove and cook meals . It has 2 “burners” too! If you have ever watched a potter work, you know how mesmerising it is (not talking about the movie Ghost here) to watch. Of course the reality of the effort dawns on oneself when one comes in contact with the clay oneself. We were given a chance to try our hands at pottery. Needless to say the virgin potters made some strange artwork only they could appreciate. They were bottomless, shapeless and purposeless. But something one creates always looks lovely to that person, be it a child or well, useless pottery. ๐Ÿ˜‰

 

 

 

 

 

next stop – aanganvadi for pre-school kids at kesavapuram

Next up we visited a pre-school near by. It was bright, colourful and cheery. Caricatures of Mickey and Donald on the exterior walls and a few swings, greeted us in to the mini Disneyland. The kids seemed excited and probably amused by the new faces. They all recited a few poems for us. The primary focus being fun studies rather than stuff drilled into their brains. SST provides infrastructure for the schools and the reading material too. This is then handed over to the govt to run. The schools have a kitchen along with the classroom where meals are prepared on the spot and provided to the children. They arrive in the morning, play, learn, have their meal and then they all nap for a while just before their parents come to fetch them back. If only all schools followed this routine!

 

 

 

 

 

 

next stop – handicrafts with rope made with banana bark in chinna puttur!

Now comes the most exciting part of my trip – seeing the transformation of the humble banana leaf/bark into eco-friendly handicraft! We visited chinna puttur which was dotted with temples of headless goddesses! Legend has it that the Sage Jamadagni , due to some marital discord, ordered his son Parasurama to behead his own mother. The son followed the instructions, mother was decapitated as sacrifice and father, now pleased granted his son a boon. Needless to say, the son asked for his mother back and Sage Jamadagni reattached her head back. Now these idols signify the same. Annually the head is put on the goddess for a few days, prayed to and then packed back for next year! What was the point of doing it all one thinks, but How fascinating is all this! I digressed. But I couldn’t resist it.

Back to handicraft – we spot several ladies sitting next to a temple (now that’s a very very common sight there) making handicraft with ropes. The rope for said handicraft can be single or double threaded. We were shown how the thread is woven from banana fibre. First the leaves/bark are dried and then when it is pulled apart, it comes out in long strands. These strands are then spooled on to a bicycle rim, upcycled (no pun intended) to form an innovative apparatus, that helps spin this fibre into rope! This rope is dried in the sun and it truly has a good tensile strength. This rope is then further used to make handicrafts like lamp shades, jewellery boxes, baskets, showpieces etc. The women who do this, do it part time. In alignment with the proverb mentioned above, SST’s role here is not limited to only teaching the women how to fish, they also teach them how to find more fish, how to descale it, sell it for profit, and maintain records. In other words SST not just teaches these women the skill , they also provide them bulk orders, help them sell these items, they teach them basic accountancy, book keeping and even maintaining of the minutes of various meetings! The village functions as a well oiled machine with records kept for everything. They take loans to start the project, soon repay them back and then start saving up the money they generate from the handicraft business. The women who learn all this, teach others around them and pay it forward. It’s a wonderful initiative in more ways than one.

 

 

 

 

 


 
 
 
 
 
 
 
 
 
 

Next stop – traditional lunch

Much excited with the days activities, we now needed food for more than just our thoughts and we now headed to the SST office in Padavedu. We were given a traditional home made south indian meal comprising of many many items.

 

next stop – vermicompost that recycles garbage & produces organic fertiliser in chinna puttur

We proceeded to the vermicompost facility where women were segregating garbage into recyclable and non recyclable. We should all be ideally doing this at source, that is our own house.

Vermicompost is the product of the composting process using various species of worms. Vermicast is the end-product of the breakdown of organic matter by earthworms. It is basically shit that looks like chocolate sprinkles.  Vermicast is known to contain reduced levels of contaminants and a higher saturation of nutrients and is an excellent, nutrient-rich organic fertilizer. The vermicast thus formed is sold to farmers in the vicinity.

We came face to face with the earth worms that eat this garbage and generate the shit sprinkles. It wasn’t pretty. But the end result is good for all of us and it would truly help us avoid manmade disasters like the Gazipur landfill etc which are permanently on fire and literally “breath-taking”.

 

 

 

 

 

 

Final stop – temple care

And as we came to a close, we visited a few 12th century Ram temples , excavated by and looked after by SST. Every temple is similar to the ones around it and yet unique in some way. In fact Padavedu is a land of temples. At every 10 metres you will find one! Due to some natural disaster most of these temples were buried. TVS/SST have unearthed and takes care of many of these. The construction activites in Padavedu are hence supervised because there’s a very high chance that excavation will yield yet another ancient temple!

I was quite impressed with how SST transforms these villages and partners with local and central government agencies and other institutions/ companies to find solutions to the problems faced by the communities it works with. We were constantly told that SST works as change agents, not donors. Backed by this philosophy, SST has been working towards Sustainable Development Goals since last 20 years and their initiatives are in line with the ongoing government macro initiatives- โ€˜Make in Indiaโ€™, โ€˜Digital Indiaโ€™,  ‘Start-up India โ€™ and โ€˜Swachh Bharat
Abhiyanโ€™.

My take aways from this trip –

Hope after seeing at least SOME organisations that believe in paying it forward.

Fascinating eco-friendly activities.

The legends and myths and mysteries of Padavedu. I really want to explore this more.

The calm & serene forests & fields really make me feel like spending a longer period of time there. Oh and the 4G signal works well in these villages. If internet is sorted, everything seems doable.

Padavedu has so much to explore, yet hardly anyone has even heard of it. I surely want to visit it again.

 

Disclaimer: My trip was sponsored by SST but the views expressed here are personal.

 



2008 roundup – part une 9

I am back with a long awaited attempt at getting back to the “Drid Nishchaya” of being regular at the blog (though I am sufficiently active on the photoblog, the microblog and to some extent the Delhi Bloggers‘ Blog). Here’s a roundup of the salient features of the 2008 chapter of my life, most of which was intended to appear on this blog but did not turn up for various reasons.

The year 2008 started on quite a bad note. Right after the 12am gong struck 1st Jan 2008, and I was holidaying at Sonapani, I discovered a “virtual” can of worms in my online social circle and had to perform the virtual equivalent of chemotherapy on a virtual entity I had started. All that done, it was surely a relief. I was very glad and also pleasantly surprised to see the support this ‘act’ garnered for me. It was one of the times where one could clearly differentiate between friends and foes, commitment and shallow words, sincerity and selfish, plain greed. On the whole though it was unpleasant, it was also a great learning. Human nature has many a fascinating avenue to explore and observe. And realise.

On 13th Jan 2008, the Delhi Bloggers group celebrated its 4th anniversary in Blues, CP. We all had great fun. It was a simple fun affair. For a change we had no agenda, sponsors or planning. Just a night with online friends who have been together since 4 years and liked to be together. ย The common thread tying them – Delhi & blogging.

In late february last year, 23rd Feb to be precise, we bade farewell to our dearest doggie, as he left for the doggie heaven above, after giving us a glorious 17 years & 2 months of his affectionate company. I had planned to write about it on the blog to express the pain and I even put some other posts on hold because of that. But I never could. The loss of a pet may not be understood by those who have never owned one. But believe me, it’s like the loss of any family member or rather that of a child. 17 is teenage in human years and abt a 120 in doggie years. My sister and I have spent the bigger part of our lives in his company than without it, so it’s a loss that is unforgettable for life alright. The pain of the separation apart, it was a most unfortunate time we had, while looking for a decent burial spot (crematoriums have been stopped by the govt). It would have been better if we had thought out the horrendous details earlier, even though painful. I continue to miss him every single moment that I breathe. God bless him for the unconditional love he gave us.

In early March, I organised Delhi’s first tweetup (Twitter meet) along with @mojosanjay. It was great fun and we had a huge attendance even though organised in a jiffy. There were out station members as well and I even shot a video of most members. Got to still work on that to share it :P. It was a meet in a cafe, we explained twitter to those who didnt know it and also explained some mashups to those who did.

In late March, I “aged” another year. The least said the better :).

In April, we helped organise Blogathon India and had a partner meet in Delhi for that. This meet was sponsored by Alootechie. It was a nice cosy affair at “The Attic” in CP – a place to fall in love with. The participation in blogathon was good and had a great potential if done regularly. The sponsorship was based on verbal commitment. It was just 4K to cover the rent & snacks charges. However, getting a reimbursement of that money probably cost me at least 1/4th the amount in just persuing them for it and took 5 months of continuous pressure. A harassing experience, but I made sure I at least got my money back. I am told (via other bloggers) that this isn’t a one off thing, it’s a consistent one with this organisation.

In April again, Dinesh Khanna (who I co-administer “Delhi Photographers” with) drew my attention to the fact that my picture was there all over in Canon’s brochures in every camera box! Well, it still is. And unfortunately there’s not much I can do about it. It had been clicked by photographer friendย Sanjay when he & I were trying out our brand new Canon 400D’s and the various features of our new “toys”. This pic as it turned out, suited a particular contest of Canon very well. We discussed the pros/cons of participation & Sanjay decided to send it in hoping to win the first prize – a cool camera lense (which we were quite sure of winning given the quality of the picture demonstrating every aspect of a camera). Later he got a notification that his pic would be used for some Canon related stuff. No news about the competition. Till date. In return he got nothing but a silly camera manual. The modified picture that is there in every Canon Camera’s box now, is so botched up that it literally looks mutilated. The worst treatment to subject someone’s creation to. The contest fine print allows them to publish the picture, however the whole episode reeks of unethical practices on Canon’s part. If the picture was that good that it can go out as part of a brochure of every single Canon EOS series camera now (and has been so since past 1 year plus), then it definitely deserved first prize. What better certification was required than the very fact that Canon decided to save on agency costs & used a picture clicked by a Canon user! However we never heard anything from Canon till date. Bad Canon.

Soon in May, I got an article published in Hindustan Times. It was on blogging and the community of Delhi Bloggers that exists – their meets, the events, the fervour. Felt great :). I have had many interviews (print/visual/audio) taken earlier, but in terms of writing something (not creative work that incidentally got published too) specifically for publishing in a leading publication, this was a first.

In late May, I left my organisation of 8.5 years to join another for the kind of role I wanted. It was a moment I expected to be “impacting” me in a very large way. Surprisingly it didn’t. Not quite. A smooth transition emotionally I guess is due to the disillusionment of many years. It was a long journey with many nuggets worth sharing here. I got a short break of 3 weeks in between both jobs. I tried to get a longer one but the IT industry is just not kind to people who want to take a sabbatical.

Just after I left my prev orgn, 104.8 Meow FM interviewed me in their studio. I had a great time with Ginnie Mahajan who was the host of the show – Tu Tu Meow Meow. It was supposed to be a live chat show where callers call and asked me questions about blogging and then there were random songs that played as well. During the songs part I got to know Ginnie and during the chat part, the callers got to know me. There were some rather hilarious moments where I just could NOT control my laughter while we were live and Ginnie had a lot of fun at my expense in a LIVE show! My family, extended family, some friends & ex-colleagues were all tuned in. Couple of bloggers who knew me called in and some others called me after the show because they had happened to hear me on air! All in all it was a great experience. I had been interviewed by BBC radio in Apr 2006, but a live show in a studio is a different ball game altogether. I had asked a friend to record the show on my mp3 player so I have some sort of a recording but it has a lot of noise in various places. Unfortunately when Meow FM sent me a much needed recording of my show it turned out to be someone elses. Probably someone, somewhere else is laughing off at the chat show that we all are supposed to laugh at! I am yet to edit the recording I have and share it for your hilarious listening pleasure.

On June 7th, I happened to organise India’s first social media camp. Note – there may have been many blogcamps earlier, but there were no camps at all which catered to social media or the various commercial uses of it or social media marketing. I realised this when I tried planning for this particular camp. I could not find any precedent for any sort of guideline. Eventually I shortlisted some areas where social media is used in todays Web2.0 world and tried to invite speakers from that very domain to talk about how they used social media. In the end we had speakers from the Print media, Travel industry, Corporate blogging arena, Social media marketing, a leading newschannel, developers who create social networks, a humour blogger talking abt his social media experience, a blogger presenting a debatable topic – “protecting” social media, a session on our evergreen twitter, social media in the mobile network and a lawyer talking on the much needed legal aspect of social media and of course monetisation. It was a very interesting affair. Our prime sponsor was Indiatimes and we were also assisted by IBM, WordPress and Tyroo. The event was very well appreciated. We got great feedback and accolades. It could not have been possible without Sanjay and Garima. The perfect team to work with. Thanks Guys!

On 16th June, I joined my new organisation, with a new role – the kind that I wanted for long but could not get in the ex-orgn. Later, within 6 months I would get an award at excellence in work and I would wonder why I did not leave my ex-organisation earlier.

I’ll follow up the next 6 months (part deux) in a separate post. Since it’s already been 6 months into 2009 too, perhaps those 6 months (part trois) in another post as well :\.



Twitter Updates for 2009-03-16 2



DBM#25- a meet for delhi bloggers and microbloggers – a roundup 9

On 20th, Delhi witnessed its second twitter meet. Unlike the previous twitter meet, which was held inย a cafe,ย this meet was sponsored by Incube Business centre. The meet started at 5pm. I got there by about 5:20pm thanks to the traffic. There were already some twitter enthusiasts who had introduced themselves to each other. Kumar Rahul was fully prepared with a laptop, ready to just start. We had another round of introductions during which we noted down the twitter id’s or mail id’s (of those who were not on twitter). During the intro round, Gautam Ghosh walked in and I quickly put the onus of kickstarting a session, onto him. Gautam talked about what twitter really meant for him. Conversations are what matter – at the end of the day, whichever platform you are on.

This was followed by a talk on kwippy.com by co-founder – Mayank dhingra, who also got caught in the traffic and arrived midway Gautam’s session.

By the time this session ended, we had already overshot a lot of time and quickly rushed to the refreshment part of our agenda.

Some tasty grub later, we came back in, to discuss the TOI case of plagiarism that I had faced. I was also carrying the copy of What’s hot with the corrigendum in it. Everyone seemed amused by the whole sequence of events. This was followed by a talk on “Bill of rights” by Kumar Rahul. This is a collection of points he plans to take up with @scobleizer.

We followed this with another round of some rather tasty sandwiches, samosas, tea &ย coffee. Just before we all were leaving, someone suggested we click a group picture, so we did with about 1/4th of the participants. All pictures would be uploaded soon and a post shall be here to keep you all updated. Tune into the rss feed of this blog :).

There were about 40 participants, even though the confirmations were more than double. A lot of names may not have been noted down, so if your name is missing, please do drop in a comment. A list of attendees, in no particular order. Those not on twitter have had their mail id’s mentioned.

Twilight Fairy : @twilightfairy

Sanjay: @mojosanjay

Gautam: @gautamghosh

Kumar Rahul: @kumar_rahul

Vishal Singhal: @vishalsinghal

Ashutosh: @xyzashu

Divya: @dichakravarty (all the way from bangalore)

Sameer: @sameergupta

Mayank Gupta: @mayankgupta

Krisnair: @krisnair

Nikhil: freakynikh at gmail dot com

Amrita: kumar dot amrita at gmail dot com

Rajbir: @rajjo19

Nitin: @ndhawan

Niraj: imniraj at gmail dot com

Vidhi: @vidhithakur

Vimoh: @vimoh

Dipankar: @dipankarsarkar

Maitrayee: maitrayee.rcy at gmail dot com

Ketu Desai: swetaketu79ย at gmailย dot com

Aionava: myspeedpost at gmail dot com

Abhijit: @jeetblog

Abhishek: @abhishek

Arun: @simplyarun

Pankaj: @pjain

Rohit: rohit.sharma3 at wipro dot com

Gurudatt : @prolificd

Mayank Dhingra: @mayankdhingra

Arjun : @arjunghosh

Gayatri : @grath

Sanjay Jha

Manik

Monica : @jasuja

Checkย some of the tweetsย from that day. Here are the posts on this event written by Gautam, Mayank. If anyone else has written anything about the event, please leave a comment here and it will be added in the roundup.