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How Mobile Micro-Health Insurance can unlock ‘Digital for Bharat’?

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4 minutes, 8 seconds read

Mobile-enabled micro-health insurance is escalating at a good rate with advancement of digital healthcare technology. It has the potential to deliver quality healthcare services to people by improving accessibility and keeping people well-informed about health issues, thus reducing out-of-pocket expenses. Consumers are prioritizing health above other needs as the rise of digital services in India has enabled catering to the at-home population In India.

Keeping Customers Engaged using digital health tools

Practice of healthcare through mobile can be made interactive by integrating services that can cater to customer needs:

  1. Using chatbots to help customers settle health related queries and diagnosis through simple question-answer sessions. Health emergencies can be solved any time with chatbots due its 24/7 availability. Max Life insurance has made it easier for customers to avail customer service through max life assistant Mili that is integrated in Whatsapp.
  2. Use of mobile health apps helps customers to receive personalized service. Mobile health apps provide virtual care, health tips, and keep track of health status, and locate nearby hospitals. TATA AIA life insurance company partnered with Practo to gain access to a digital health platform through which customers can book appointments, order medicines and consult doctors online.
  3. Integration of mobile apps with fitness trackers, smart health watches helps customers to receive daily updates on their health & well-being. Max Bupa Health insurance partnered with GOQii to track customers’ health and offer discounts to those who achieved healthier goals and lifestyles. 
  4. Use of mobile payments such as mobile wallets, NFC can help customers pay premiums with just a few taps. Reliance general insurance partnered with Paytm and launched “COVID-19 benefit insurance policy” that covers quarantine and health treatment expenses for COVID-19 patients.

More than 2.4 billion people worldwide live on US$2 or less per day. Most low-income families will see their savings be completely wiped out owing to higher out-of pocket healthcare expenses and are likely to be pushed further into poverty. Below are a few mobile micro-health insurance products that are helping such low-income families cover health risks with minimal costs at difficult times.

Innovative New products in micro-health insurance:

  1. BIMA Health- following a mobile insurance model and having partnered with several mobile operators, BIMA covers short-term health events for low-income families by providing tele-doctor services, free health programs giving health tips through SMS, appointment booking services wherein the micro-payments are deducted from monthly phone bills.  
  2. Pona na Tigo Bima- MicroEnsure partnered with Tigo, Bima and Golden Crescent and developed a health insurance product “Get Well with Tigo Insurance” that provides life and hospitalization insurance covering 30 nights in a hospital and uses mobile money for claim settlements. 
  3. Y’ello Health- this micro-insurance service established by MTN Nigeria provides health insurance cover to Nigerians where they can pay and have access to medical treatments through mobile phones. People have access to around 6000 hospitals across the country that are registered in NHIS.
  4. Kilimo Salama: operated by safaricom, Syngenta foundation and UAP insurance, the insurance scheme allows Kenyan farmers to insure farm equipment and inputs against drought and heavy rain. It offers “pay as you plant” insurance by syncing mobile payments and solar powered weather stations. A farmer pays 5% extra for farm inputs for climate coverage. When a weather station reports extreme climate change, the farmer registered with that station automatically receives the amount in mobile. 

MNOs have been the major drivers to enhance the microinsurance industry. Mobile being the dominant in healthcare technology, can be used to structure niche insurance products and serve to educate people on various health issues. Mobile micro-health insurance can serve as a protective blanket against health emergencies as mobile can bridge the gap between the insurers and low-income families, be it mobile policy information, claims filing, renewals, query and claim payments. An adequate balance can be achieved between affordability and accessibility by partnerships with MNOs to deliver real value to the customers.

Untapped Opportunity & Drivers of Micro-health Insurance

In developing countries, the estimated volume for microinsurance is between 1.5 and 3 billion policies. These policies typically account for demand in health, agriculture, property, and disaster cover. At present, only 5% of this market is currently tapped and is being driven by large commercial insurers. To expand the market, commercial insurers should partner with innovative startups, NGOs and other facilitators. As mobile penetration deepens, it will also open more doors for low income groups to have access to better quality financial savings products. For instance, WhatsApp which has a total of 400M users in India, 15 million of which are small businesses, is targeting financial services such as insurance, micro-credit & pension for the rural/informal sector through ‘WhatsApp Pay’. The ‘Digital for Bharat’ challenge needs simplicity in the products & services being designed for the rural mass and finding innovative distribution channels to truly establish the roots of this market.

To know about how healthcare industry is bringing hospitals to a customer’s doorstep, watch our webinar on Digital Health Beyond COVID-19.

Further Readings:

  1. Reimagining Medical Diagnosis with Chatbots
  2. HealthTech 101: How are Healthcare Technologies Reinventing Patient Care
  3. What will be the state of the healthcare industry post pandemic?
  4. Healthcare Chatbots: Innovative, Efficient, and Low-cost Care
  5. Does Microinsurance work for India’s poor?
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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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