Health Risk Quantification - HRQ...Source: AON Hewitt 2016 Global Medical Trend Rates / PWC the digital Healthcare Leap, February 2017 Mortality is changing –Behavior impact Behavior

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


Agenda

1. Company Overview

2. Market Dynamics Impacting Life Insurance

3. dacadoo HRQ

4. Contact for further details


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 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 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 IP recognized with over 20 patents granted


dacadoo has key Target Segments


Agenda

1. Company Overview

2. Market Dynamics Impacting Insurance

3. dacadoo HRQ



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


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%


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


Insurers Net Promoter Scores (NPS) needs help

60

Source: Satmetrix

Apple

12

Health Insurance Industry Life Insurance mostly have

negative NPS


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


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


Agenda

1. Company Overview

2. Market Dynamics Impacting Insurers

3. dacadoo HRQ



dacadoo is a health technology company

Using the same “kernel” across various client-facing applications


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 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


• 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


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 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 HRQ Models

Imputation

Models

Precursor

Models

Modulator

Models

Central

Risk

Models

Risks &

ImputationsInputs


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


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 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….


Contact for further details | Legal Notice

Lifestyle Navigation and

Health Scoring

Contact:

Blake Hill, FSA, FCIA

[email protected]

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.

Documents

Health Risk Quantification - HRQ...Source: AON Hewitt 2016 Global Medical Trend Rates / PWC the digital Healthcare Leap, February 2017 Mortality is changing –Behavior impact Behavior