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Emerging Healthcare Delivery Models

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5 minutes, 30 seconds read

Wearables, IoT devices, healthcare apps have significantly increased digital health access points for customers. The evolving nature of the digital health industry in India can be witnessed through the improved personalization and value-added services delivered to the consumers. To further multiply the digital health touchpoints, new healthcare delivery models are coming up to cater to specific healthcare needs and deliver a satisfying experience. Below are a few emerging healthcare delivery models: 

1. On-Demand Healthcare

The healthcare industry is beginning to welcome on-demand services for consumers who are already accustomed to receiving services anytime and anywhere from demand-driven brands such as Zomato, Uber, etc. Among the various digital healthcare services, e-pharmacies in India such as Medlife, Pharmeasy, have made a significant profit by making medicines and drugs available to customers in no time.

Quick booking of appointments, receiving digital medical reports, settling medical fees online, scheduling doctor visits, all of this can be done through smartphones. On-demand healthcare is gathering attention among consumers, especially millennials, needing mental health counseling, follow-up appointments, and quick recovery from wounds and minor illnesses. Due to the provision of healthcare anytime and anywhere, reduced expenses due to lessened hospital visits, deep interaction with patients, the on-demand healthcare model is growing. Express Care offered by Cleveland Clinic allows patients to consult virtual doctors in matters of non-life-threatening conditions like allergies, rashes, or back pain.   

This model also allows medical practitioners to work flexibly, depending on their schedule. It also lets the doctors appoint and cancel the dates of visits depending on their availability. For instance, besides being a clinical app for patients, Doctor on Demand has features such as email, payment system, messaging, etc. that help doctors to manage their patients.

2. Social Health Networks or Peer-based health networks

This model allows people and medical professionals to share views and hold discussions on health-related issues. This model also allows the doctors to address people’s health issues without any geographical barrier, motivates people to share their health experiences, and facilitates health literacy. As people belonging to different age groups are well versed and active on social media, social health network serves as an effective solution to encourage people to look after their health and provide emotional support to others. Any platform based on this model can also push people to create awareness through health-related campaigns. 

This model also facilitates maximizing health-related conversations and allows the exchanging of information among patients, medical professionals, and doctors- one-to-many and many-to-many conversations between patients-patients, doctors-patients, doctors-doctors. Even though this model is still at its developing stage, it is sure to gain momentum because people are starting to be upfront about their health problems, especially mental health issues. Organizations following this model can also leverage health data and provide effective health solutions. HealthUnlocked is a social networking service that empowers patients and promotes relevant health-related content. It focuses on building online support groups where patients can give health recommendations and insights to other patients. Medikoe launched We, a social network that publishes health-related content from qualified doctors and allows patients to connect with doctors. It is like any other social media where people can follow health professionals, and search, share, like health-related articles. It also encourages people to take up health challenges and updates people on upcoming health campaigns. 

3. Proactive Intervention

Chronic diseases account for more than 55% of total deaths in India. Increasing awareness and the use of healthcare technologies are prompting people to opt for preventive healthcare services to manage unexpected health issues. Proactive care lessens the chances of health deterioration through active dialogues between doctors and patients. Telemedicine is one such way through which health outcomes can be improved. As it facilitates easier transmission of patient data and increased access to HCPs, it holds the potential to reduce the mortality rate in India. This instant healthcare service provider model also allows remote monitoring of patients as health records can be transmitted in no time. 

As the model is compatible with wearable sensors, medical information such as blood pressure, heart rate, etc. can be monitored easily which helps in the early detection of diseases such as asthma, hypertension, heart-related diseases. Fitness trackers that are compatible with mobile applications help people in monitoring their health data as well. Health Care Originals developed ADAMM, an intelligent asthma monitoring wearable system that is attached to the upper body. It detects symptoms of asthma attacks- body temperature, heartbeat, cough rate, etc. Rubi Life is a MedTech company that uses nanotechnology in an elastic maternity band to monitor fetal activity in high-risk pregnancies. It sends alerts to the mother’s phone in order to prevent premature births, stillbirths, and to also avoid negative outcomes.  

4. Personalised Medicine & genomics

This model aims to improve the effectiveness of medicine by leveraging the patient’s health history, genetic characteristics, and lifestyle. Personalized medicine, also known as precision medicine improves health outcomes without any side effects. The unique genetic composition of patients helps in predicting disease and curing it before it starts affecting the body. This model disrupts the one-size-fits-all model as it takes into consideration the genomic composition and forms a pattern by observing a body’s reaction to drug dosages, thus promising accuracy. 

This model also reduces the trial and error inefficiencies and proves to be beneficial for medical professionals as it can reduce the failure and cost of pharmaceutical trials.  

K&H Personalised Medicine Clinic is the only healthcare facility in Hyderabad, India that provides personalized healthcare based on genomics, DNA analysis, and a patient’s medical history. As the genes are affected by diet, exercise, stress levels, and environmental factors, the K&H clinic takes into consideration all these factors to form a proper treatment strategy.

Conclusion

The emerging healthcare delivery models are aiming for cost-effective solutions that can save time and instantly cater to patient needs digitally. The digital healthcare market is growing at a compound annual growth of 27.41% during 2019-2024, and according to a recent report by McKinsey Global Institute, telemedicine services in India have the potential to replace in-person consultations by 30-40%. This shows that people are appreciating contactless solutions and are used to immediate gratification. While some of the healthcare delivery models are still at their nascent stage in India, some are experiencing good growth. As digital health consumers are starting to demand more, the emerging healthcare models have to make sure that they cater to their diverse needs instantly and efficiently.  Moreover, as healthcare facilities are unevenly distributed, the upcoming healthcare delivery systems should also make sure to maximize their touchpoints in order to reach every corner of the country.

Know about our work in Digital Health and how we have helped clients such as Suraksha Diagnostics, Abbvie, Religare Health Insurance, and SBI Health Insurance build mobile and web applications improving their operational efficiency and customer experience.

Further Readings:

  1. Building Consumer Trust in the Digital Healthcare Era
  2. HealthTech 101: How are Healthcare Technologies Reinventing Patient Care
  3. Virtual health: Delivering care through technology
  4. How Mobile Micro-Health Insurance can unlock ‘Digital for Bharat’?

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How Smarter Sales Apps Are Reinventing the Frontlines of Insurance Distribution

The insurance industry thrives on relationships—but it can only scale through efficiency, precision, and timely distribution. While much of the digital transformation buzz has focused on customer-facing portals, the real transformation is happening in the field, where modern sales apps are quietly driving a smarter, faster, and more empowered agent network.

Let’s explore how mobile-first sales enablement platforms are reshaping insurance sales across prospecting, onboarding, servicing, renewals, and growth.

The Insurance Agent Needs More Than a CRM

Today’s insurance agent is not just a policy seller—they’re also a financial advisor, data gatherer, service representative, and the face of the brand. Yet many still rely on paper forms, disconnected tools, and manual processes.

That’s where intelligent sales apps come in—not just to digitize, but to optimize, personalize, and future-proof the entire agent journey.

Real-World Use Cases: What Smart Sales Apps Are Solving

Across the insurance value chain, sales agent apps have evolved into full-service platforms—streamlining operations, boosting conversions, and empowering agents in the field. These tools aren’t optional anymore, they’re critical to how modern insurers perform. Here’s how leading insurers are empowering their agents through technology:

1. Intelligent Prospecting & Lead Management

Sales apps now empower agents to:

  • Prioritize leads using filters like policy type, value, or geography
  • Schedule follow-ups with integrated agent calendars
  • Utilize locators to look for nearby branch offices or partner physicians
  • Register and service new leads directly from mobile devices

Agents spend significantly less time navigating through disjointed systems or chasing down information. With quick access to prioritized leads, appointment scheduling, and location tools—all in one app—they can focus more on meaningful customer interactions and closing sales, rather than administrative overhead.

2. Seamless Policy Servicing, Renewals & Claims 

Sales apps centralize post-sale activities such as:

  • Tracking policy status, premium due date, and claims progress
  • Sending renewal reminders, greetings, and policy alerts in real-time
  • Accessing digital sales journeys and pre-filled forms.
  • Policy comparison, calculating premiums, and submitting documents digitally
  • Registering and monitoring customer complaints through the app itself

Customers receive a consistent and seamless experience across touchpoints—whether online, in-person, or via mobile. With digital forms, real-time policy updates, and instant access to servicing tools, agents can handle post-sale tasks like renewals and claims faster, without paperwork delays—leading to improved satisfaction and higher retention.

3. Remote Sales using Assisted Tools

Using smart tools, agents can:

  • Securely co-browse documents with customers through proposals
  • Share product visualizations in real time
  • Complete eKYC and onboarding remotely.

Agents can conduct secure, interactive consultations from anywhere—sharing proposals, visual aids, and completing eKYC remotely. This not only expands their reach to customers in digital-first or geographically dispersed markets, but also builds greater trust through real-time engagement, clear communication, and a personalized advisory experience—all without needing a physical presence.

4. Real-Time Training, Performance & Compliance Monitoring

Modern insurance apps provide:

  • On-demand access to training material
  • Commission dashboards and incentive monitoring
  • Performance reporting with actionable insights

Field agents gain access to real-time performance insights, training modules, and incentive tracking—directly within the app. This empowers them to upskill on the go, stay motivated through transparent goal-setting, and make informed decisions that align with overall business KPIs. The result is a more agile, knowledgeable, and performance-driven sales force.

5. End-to-End Sales Execution—Even Offline

Advanced insurance apps support:

  • Full application submission, from prospect to payment
  • Offline functionality in low-connectivity zones
  • Real-time needs analysis, quote generation, and e-signatures
  • Multi-login access with secure OTP-based authentication

Even in low-connectivity or remote Tier 2 and 3 markets, agents can operate at full capacity—thanks to offline capabilities, secure authentication, and end-to-end sales execution tools. This ensures uninterrupted productivity, faster policy issuance, and adherence to compliance standards, regardless of location or network availability.

6. AI-Powered Personalization for Health-Linked Products

Some forward-thinking insurers are combining AI with health platforms to:

  • Import real-time health data from fitness trackers or health apps 
  • Offer hyper-personalized insurance suggestions based on lifestyle
  • Enable field agents to tailor recommendations with more context

By integrating real-time health data from fitness trackers and wellness apps, insurers can offer hyper-personalized, preventive insurance products tailored to individual lifestyles. This empowers agents to move beyond transactional selling—becoming trusted advisors who recommend coverage based on customers’ health habits, life stages, and future needs, ultimately deepening engagement and improving long-term retention.

The Mantra Labs Advantage: Turning Strategy into Scalable Execution

We help insurers go beyond surface-level digitization to build intelligent, mobile-first ecosystems that optimize agent efficiency and customer engagement—backed by real-world impact.

Seamless Sales Enablement for Travel Insurance

We partnered with a leading travel insurance provider to develop a high-performance agent workflow platform featuring:

  • Secure Logins: Instant credential-based access without sign-up friction
  • Real-Time Performance Dashboards: At-a-glance insights into daily/monthly targets, policy issuance, and collections
  • Frictionless Policy Issuance: Complete issuance post-payment and document verification
  • OCR Integration: Auto-filled customer details directly from passport scans, minimizing errors and speeding up onboarding

This mobile-first solution empowered agents to close policies faster with significantly reduced paperwork and data entry time—improving agent productivity by 2x and enabling sales at scale.

Engagement + Analytics Transformation for Health Insurance

For one of India’s leading health insurers, we helped implement a full-funnel engagement and analytics stack:

  • User Journey Intelligence: Replaced legacy systems to track granular app behavior—policy purchases, renewals, claims, discounts, and drop-offs. Enabled real-time behavioral segmentation and personalized push/email notifications.
  • Gamified Wellness with Fitness Tracking: Added gamified fitness engagement, with rewards based on step counts and interactive nutrition quizzes—driving repeat app visits and user loyalty.
  • Attribution Tracking: Trace the exact source of traffic—whether it’s a paid campaign, referral program, or organic source—adding a layer of precision to marketing ROI.
  • Analytics: Integrated analytics to identify user interest segments. This allowed for hyper-targeted email and in-app notifications that aligned perfectly with user intent, driving both relevance and response rates.

Whether you’re digitizing field sales, gamifying customer wellness, or fine-tuning your marketing engine, Mantra Labs brings the technology depth, insurance expertise, and user-first design to turn strategy into scalable execution.

If you’re ready to modernize your agent network – Get in touch with us to explore how we can build intelligent, mobile-first tools tailored to your distribution strategy. Just remember, the best sales apps aren’t just tools, they’re growth engines; and field sales success isn’t about more apps. It’s about the right workflows, in the right hands, at the right time.

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