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NDHM & What it means to be Integration Ready

5 minutes read

The healthcare industry in India has been steadily growing at a Compound Annual Growth Rate of around 22% since 2016 and is expected to reach USD 372 billion in 2022. 

NITI Aayog released a report titled ‘Investment Opportunities in India’s Healthcare Sector’ published by PIB which states that “The Indian Healthcare market is expected to reach $190 Bn by 2020; $372 Bn by 2022 at a CAGR of 39% The digital healthcare market in India was valued at INR 116.61 Bn in 2018, and is estimated to reach INR 485.43 Bn by 2024, expanding at a compound annual growth rate (CAGR) of ~27.41% during the 2019-2024 period.” 

The expansion of private hospitals to Tier-2 and Tier-3 cities is looking like an attractive investment opportunity in the hospital segment. With respect to the pharmaceutical industry, India is likely to boost domestic manufacturing, supported by recent Government schemes under the Aatmanirbhar Bharat initiative.

Wellness tourism, under the medical value travel diaspora, has given an impetus to the rise of alternative medicine and treatment prospects. Technology, by way of innovations in Artificial Intelligence (AI), wearable technologies, and the Internet of Things, also offer multiple avenues. 

The Indian healthcare system is fast-moving towards a wellness-driven model of care delivery from an otherwise historically siloed and episodic intervention approach. This streamlining of the healthcare system creates a wealth of new opportunities for healthcare enterprises and institutions. The hospital industry in India accounts for nearly 60% of the overall health ecosystem’s revenues. The addition of new frameworks for Health ID, PHR, telemedicine, and OPD insurance will create macro-level demand beyond local in-patient catchment zones.

Traditional modes of healthcare delivery are being phased out in favor of new and disruptive models. The COVID-19 pandemic and its subsequent waves have changed consumer demand and given a big push for the need for a digital healthcare ecosystem. 

Source: Mantra Labs Whitepaper, March 2021

The National Health Stack (NHS), a digital platform with the aim to create universal health records for all Indian citizens by 2022, aims to bring both central and state health verticals under the same umbrella. 

The action plan to fulfill the creation of the NHS is laid out in the National Digital Health

Blueprint (NDHB), which also outlines the vision for Universal Health Coverage, that’s been in the pipeline for India’s underprivileged. This is where the National Digital Health Mission (NDHM) comes into the picture, as the entity responsible for the successful implementation of the aforementioned Blueprint and subsequent Health Stack. 

The blueprint recommends two building blocks namely, Personal Health Identifier (PHI), and Health Master Directories & Registries, for handling the requirements of a unique identity (much akin to Aadhar) of persons, facilities, diseases, and devices. These building blocks that India is creating for its 1.4 billion citizens are said to be equipped with an interoperability option to seamlessly access digital records.

With rapid rates of digitalization and increasing demands from connected consumers, an integrated ecosystem will allow healthcare providers to deliver value-based care and outcomes in a real-world scenario. The NDHE can potentially create over US$200 billion in economic value for the health sector, over the next 10 years, according to BCG analysis. 

The National Digital Health Blueprint (NDHB) underlines key principles which include domain perspectives namely, Universal Health Coverage, Security & Privacy, Education & Empowerment, and Inclusiveness of citizens; and the technology perspective namely, Building Blocks, Interoperability, a set of Registries as single sources of truth, Open Standards and Open APIs.

Source: Mantra Labs Whitepaper, March 2021 

How integration-ready are we? 

Most hospitals in India continue to use paper-based medical records and verbal procedures to communicate among doctors and nurses for a patient’s treatment. This causes serious implications such as lack of transparency, lack of accountability, error-prone treatment, non-integrated patient health records, difficulty to understand the past medical history, poor collaboration within a team of doctors, a higher threat to infection, and a lack of progress towards adopting AI/ML-based technologies. As the consumer is being ushered into the ‘age of experiences‘, the onus is on digital healthcare enterprises to make them more relevant, emotional, and personalized.

Source: Mantra Labs Whitepaper, March 2021

An integration engine is not only an interface engine but also a healthcare integration platform that supports the day-to-day operations of a care delivery organization. From interfaces to workflow to operational decisions, integration engines assist in modernizing the healthcare system.

Source: Mantra Labs Whitepaper, March 2021 

By preparing for integration readiness, healthcare providers can access new patient demand pools from Tier-2 and Tier-3 cities, identify insights about the health consumer’s lifecycle needs, and leverage new technologies to draw in more value from these interactions than ever before.

As a result, hospitals will be able to drive improved margins from reduced administrative costs and gain higher utilization through increased demand. 

Healthcare experiences future will include insights harnessed from data and human expertise to bring sensory value to each interaction, in other words, the integration of IX or Intelligent Experiences.

Read our detailed Digital Health whitepaper to get more insights into NDHM and what it means to be integration-ready. 

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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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