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dacadoo | Health Risk Quantification | September 2018 | Slide 1
Health Scoring and Lifestyle Navigation
Health Risk Quantification - HRQ
Webinar, September 18, 2018
Blake Hill, FSA FCIA, VP Life Insurance, dacadoo
dacadoo | Health Risk Quantification | September 2018 | Slide 2
Agenda
1. Company Overview
2. Market Dynamics Impacting Life Insurance
3. dacadoo HRQ
4. Contact for further details
dacadoo | Health Risk Quantification | September 2018 | Slide 3
dacadoo is The Health Score company
Selected customers:Won over 20 national and international awards:
• Founded in 2010, currently 60 employees across HQ in Zurich (CH), development teams in Kiev (UA) & Malaga (ES), and sales offices
in Boston (US), Odense (DK) and Sydney (AU)
• Develops and operates the dacadoo Health Score and the digital Health Engagement Platform, GO by dacadoo and the Risk Engine.
• More than 80 patents submitted and more than 20 granted (Health Score, Feedback Loop, etc.).
Team MalagaTeam KievTeam Zurich
Team Zurich + USA + Asia Pacific
dacadoo | Health Risk Quantification | September 2018 | Slide 4
dacadoo Vision and Mission Statement
Vision
Great Life & Health for
Everyone
Mission Statement
Company
We are the world's leading company for “Health Scoring” and
“Lifestyle Navigation” in the digital healthcare industry.
Technology
With our innovative technology platform, we are increasing the
competitiveness of our customers.
Measurability
We make health measurable and understandable on an individual
basis.
Motivator & Coach
By accompanying our users with artificial intelligence, we reinforce
health and well-being.
Security
We ensure data privacy and data confidentiality to the highest
standards.
dacadoo | Health Risk Quantification | September 2018 | Slide 5
dacadoo is Science-based
Health Risk Quantification300 million people years of clinical and
real-life data
Prof. Dr. Laurence Jacobs
University of Zurich
User Content
Reviewed and Approved by content
specialists
Nutrition
Dr. David Fäh
University of Zurich, Mühlemann
Nutrition
Medical
Prof. Dr. Laurence Jacobs
University of Zurich
Stress, Sleep
Prof. Dr. Laurence Jacobs +
Advisory Board
Exercise
Advisory Board and various
specialists in the field
dacadoo | Health Risk Quantification | September 2018 | Slide 6
dacadoo IP recognized with over 20 patents granted
dacadoo | Health Risk Quantification | September 2018 | Slide 7
dacadoo has key Target Segments
dacadoo | Health Risk Quantification | September 2018 | Slide 8
Agenda
1. Company Overview
2. Market Dynamics Impacting Insurance
3. dacadoo HRQ
4. Contact for further details
dacadoo | Health Risk Quantification | September 2018 | Slide 9
Insurers are facing numerous headwinds
Mixed Demographic
Trends
Challenging Macro-
Economic Factors
Capital & Intense
Competition
Emergence of “New”
Entrants
Technology Emerging
as a Disrupter
Growing Regulatory
Pressures
Growth and Returns
Remain Challenging
Investors are
demanding
dacadoo | Health Risk Quantification | September 2018 | Slide 10
Source: AON Hewitt 2016 Global Medical Trend Rates / PWC the digital Healthcare Leap, February 2017
Mortality is changing – Behavior impact
Behavior linked Mortality
How will insureds
Behavior & Habits
Change
of global death
is due to Non-
Communicable
Disease
68%
dacadoo | Health Risk Quantification | September 2018 | Slide 11
The no-wait generation is the majority
Generation Z
30%
Generation Y
23%
Generation X
20%
Baby
boomer
17%
Silent
Generation
5%
Millennials
Source: United Nations
GENERATION NOW
dacadoo | Health Risk Quantification | September 2018 | Slide 12
Insurers Net Promoter Scores (NPS) needs help
60
Source: Satmetrix
Apple
12
Health Insurance Industry Life Insurance mostly have
negative NPS
dacadoo | Health Risk Quantification | September 2018 | Slide 13
Digital Disruption in Inevitable
Disruption is...
DetectableFaint signals
With lots of noise
ClearEmergence
of validated
model
InevitableCritical mass
of adoption
achieved
New NormalAt scale
and mature
New Business
Model
Incumbent
Business
ModelLife
&
Health
Insurance
Incumbent’s move
Common Barrier
Acuity
Myopia
Action
Avoidance
of pain
Acceleration
Inertia
Adaption
Fit
Time
Pro
fit
© McKinsey 2016
dacadoo | Health Risk Quantification | September 2018 | Slide 14
Life Insurance evolving to consumer driven
Push marketing, typically by a
call from an agent
Complex & Confusing –
consumer unfriendly
Invasive buying process & risk
selection
Lengthy buying process utilizing
sales, underwriting and actuarial
methods from past generation
Pull marketing, triggered direct-to-
consumer based on customer’s
life event
Simple, tailored set of product
option based on customer’s
unique needs
New data sources and methods
of risk categorization
Instant and immediate
leveraging digital capabilities
From To
dacadoo | Health Risk Quantification | September 2018 | Slide 15
Agenda
1. Company Overview
2. Market Dynamics Impacting Insurers
3. dacadoo HRQ
4. Contact for further details
dacadoo | Health Risk Quantification | September 2018 | Slide 16
dacadoo is a health technology company
Using the same “kernel” across various client-facing applications
dacadoo | Health Risk Quantification | September 2018 | Slide 17
dacadoo Product Offering Overview
dacadoo Health
Engagement PlatformTechnology Access for 3rd
Party Development
dacadoo GO
Walking Gamedacadoo HRQ
Health Risk Quantification
dacadoo health engagement platform & RESTful API Models API
Engagement Value Proposition Risk Value Proposition
White label
version available
White label
version available
dacadoo | Health Risk Quantification | September 2018 | Slide 18
dacadoo HRQ - Health Risk Quantification
Risk Engine API Health Score API
Insurers, Reinsurers, Health providers Insurer, Health providersTarget
Calculate all cause mortality risks over 5, 10, and
15 year horizon. Calculate adverse health event
probabilities (various disease risks). Provides a full
data set with imputed values where data was
missing. Minimum required data input are gender,
age, height and weight.
A consumer friendly measure of health that is
neutralized by age and gender to allow for easy
comparison. The Health Score is a number between
1 and 1,000, based on biometric, lifestyle and
psychometric inputs supporting a 360° view of human
health.
Description
Input
Risk Engine API Health Score API
Body Mind Lifestyle
• All-cause mortality
• Prediction of various disease risks (e.g. Diabetes T2, HT, etc.)
• Full data set for each case including imputed body values of
all missing data points
• Health Score, normalized by age and gender
• Sub-scores for Body, Mind and Lifestyle
• Component scores of Lifestyle sub-score
Output
dacadoo | Health Risk Quantification | September 2018 | Slide 19
• ECG diagnosed left ventricular hypertrophy
• Diagnosed with Type II Diabetes mellitus
• Diagnosed with hypertension or SBP ≥ 160 or DBP ≥100
• Currently in treatment for hypertension
• Diagnosed with any kind of arrhythmia
• Diagnosed with Chronic Kidney Disease
• Has had an MI, stroke, or TIA
• Diagnosed Congestive Hear Failure
dacadoo HRQ Input - Body
Demographic and anthropomorphic• Age
• Sex
• Height
• Body-mass index (derived)
• Percent body fat
• Waist circumference
Familial
• Immediate family history of premature CVD (at age <60)
• Immediate family history of diabetes
• Immediate family history of angina or heart attack
• Parental hypertension
Existing conditions
Metabolic and other
• Total serum Cholesterol
• High-density lipoprotein
• Low-density lipoprotein
• Triglycerides
• Fasting blood glucose
• Systolic blood pressure
• Diastolic blood pressure
• C-reactive protein
• Glycated hemoglobin
• Apolipoprotein A-1
• Apolipoprotein B-100
• Serum creatinine
• Serum albumin
• Glomerular filtration rate
• Resting heart rate
• Maximum heart rate
• Adiponectin
• Fibrinogen
• Serum Cystatin-C
• Forced vital capacity
• Forced expiratory volume
dacadoo | Health Risk Quantification | September 2018 | Slide 20
Psychometric (from QLM)
• Stress factor
• Depression factor
• Wellness factor
• Hopefulness factor
Lifestyle
• Self-reported exercise level
• Alcohol daily intake
• Coffee intake
• Smoking status
Lifestyle component and
tracker input
• Movement activity (background
and workout)
• Nutrition questions
• Psychometric questions
• Weight (including fat mass)
• Sleep (quantity and quality)
• Smoking cessation status
dacadoo HRQ Input – Mind & Lifestyle
dacadoo | Health Risk Quantification | September 2018 | Slide 21
dacadoo HRQ Predictive Power
Predictive Power
of Common Inputs
Predictive Power
Of Disease Risk
Predictive Power
Time Horizon
Most to Least Powerful
Height, weight, sex, age
Smoking history
Bloodpressure, conditions
Glucose
Nutrition, alcohol consumption
Physical activity
Lipids
Sleep
Stress, anxiety
Most to Least Powerful Power*
All-cause mortality
Diabetes type II
Metabolic syndrome
Cancer
Hypertension
Coronary heart disease
Myocardial infarction
Chronic kidney disease
Congestive heart failure
Chronic obstructive pulmonary disease
Stroke
Dementia
Alzheimer
+++
+++
++
++
++
++
++
+
+
+
+
+
+
Most to Least Powerful Years
All-cause mortality
Diabetes type II
Metabolic syndrome
Cancer
Hypertension
Coronary heart disease
Myocardial infarction
Chronic kidney disease
Congestive heart failure
Chronic obstructive pulmonary disease
Stroke
Dementia
Alzheimer
14
5
14
14
5
14
14
14
14
14
14
14
14
dacadoo | Health Risk Quantification | September 2018 | Slide 22
dacadoo HRQ Models
Imputation
Models
Precursor
Models
Modulator
Models
Central
Risk
Models
Risks &
ImputationsInputs
dacadoo | Health Risk Quantification | September 2018 | Slide 23
dacadoo HRQ Imputation Models
Blood
Pressure
Blood
works
15+
Sleep
Body
Measure
Age
Sex
Weight
Feeling
20+
Lifestyle
Respiration
Motion
Activity
100+
Nutrition
10+
Anamnesis
10+
Imputation
Models:
Derive missing
inputs from the
provided inputs
Applications
• Input into existing U/W models
• Consistency and plausibility
checks on self-reported data
• Triage process for additional
underwriting requirements
• Customer intervention for high
risk
dacadoo | Health Risk Quantification | September 2018 | Slide 24
Strength of dacadoo HRQ
All cause mortality
NHANES III using full data
dacadoo HRQ with Age, Sex, Height, Weight
False-Positive Rate
Tru
e-P
ositiv
e R
ate
1.0
0.8
0.6
0.4
0.2
0.0
0.0 0.2 0.4 0.6 0.8 1.0
Comparision to NHANES III, a robust survey conducted by the CDC
dacadoo | Health Risk Quantification | September 2018 | Slide 25
dacadoo HRQ powers Digital Disruption
Opportunity dacadoo HRQ Internal Customer Facing
Compliment Existing U/W Risk Engine Mortality, Morbidity,
Imputations
Better risk
classification
Marginal risks
priced better
Simplified & Accelerated U/W Risk Engine Mortality, Morbidity,
Imputations
Faster, better use of
U/W resources
Faster sale, less
intrusive
Customer segmentation and
lead generation
Risk Engine Mortality, Morbidity,
Imputations
Effective marketing
spend, increase
sales
Personalized
marketing,
personalized price
Customer Health Score
- At point of sale
- Annually
Health Score Improve NPS for
improved cross sell
Get something for
sharing of health
data
Reinsure inforce Risk Engine Mortality, Morbidity,
Imputations
Better risk
classification
-
Reinsurance recapture Risk Engine Mortality, Morbidity,
Imputations
Better risk
classification
-
Integration with Ongoing
engagement platform(s)
Risk Engine Mortality, Morbidity,
Imputations
Ongoing risk
classification,
engagement, etc.…
Discounts, rewards,
health support from
trusted advisor
Many other ideas….
dacadoo | Health Risk Quantification | September 2018 | Slide 26
Contact for further details | Legal Notice
Lifestyle Navigation and
Health Scoring
Contact:
Blake Hill, FSA, FCIA
blake.hill@dacadoo.com
The content and design of this presentation is protected
by copyright and other rights of dacadoo ag or third
parties. The reproduction, editing and distribution of this
presentation, in whole or in part, is only permissible with
the prior written consent of dacadoo ag. Any type of
exploitation of the content or design of this presentation
or of its underlying concepts is prohibited.
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