Try : Insurtech, Application Development

AgriTech(1)

Augmented Reality(21)

Clean Tech(9)

Customer Journey(17)

Design(45)

Solar Industry(8)

User Experience(68)

Edtech(10)

Events(34)

HR Tech(3)

Interviews(10)

Life@mantra(11)

Logistics(6)

Manufacturing(3)

Strategy(18)

Testing(9)

Android(48)

Backend(32)

Dev Ops(11)

Enterprise Solution(33)

Technology Modernization(9)

Frontend(29)

iOS(43)

Javascript(15)

AI in Insurance(39)

Insurtech(67)

Product Innovation(59)

Solutions(22)

E-health(12)

HealthTech(24)

mHealth(5)

Telehealth Care(4)

Telemedicine(5)

Artificial Intelligence(153)

Bitcoin(8)

Blockchain(19)

Cognitive Computing(8)

Computer Vision(8)

Data Science(23)

FinTech(51)

Banking(7)

Intelligent Automation(27)

Machine Learning(48)

Natural Language Processing(14)

expand Menu Filters

Why Interoperability is Key To Unlocking India’s Digital Healthcare Ecosystem

India’s mammoth hospital landscape accounts for nearly 60% of the overall health ecosystem’s revenues. The COVID-19 Pandemic has escalated digital health-seeking behaviour within the public consciousness and renewed India’s impetus towards healthcare innovation. Traditional modes of healthcare delivery are being phased out, in favour of new and disruptive models. The creation of the National Health Stack (NHS), a digital platform with the aim to create universal health records for all Indian citizens by 2022, will bring both central & state health verticals under a common banner.

Yes, progress is slow, but the addition of new frameworks for Health ID, PHR, telemedicine, and OPD insurance will create macro-level demand beyond local in-patient catchment zones. India’s Healthcare ecosystem is now slowly but surely moving towards a wellness-driven model of care delivery from its historically siloed & episodic intervention approach. This streamlining of healthcare creates a new wealth of opportunities for healthcare enterprises. 

But at the core of this approach lies the biggest challenge yet for Indian healthcare — Interoperability or the lack thereof as of now. The ability of health information systems, applications, and devices to send or receive data is paramount to the success of this new foundational framework.

What does the NDHM blueprint have for us? 

By design, the NDHM envisions the healthcare ecosystem to be a comprehensive set of digital platforms—sets of essential APIs, with a strong foundational architecture framework—that brings together multiple groups of stakeholders enabled by shared interfaces, reusable building blocks, and open standards. 

The Blueprint underlines key principles which include the domain perspective—Universal Health Coverage, Security & Privacy by Design, Education & Empowerment, and Inclusiveness of citizens; and the technology perspective—Building Blocks, Interoperability, a set of Registries as single sources of truth, Open Standards, and Open APIs. 

For ‘Technical interoperability’ considerations, all participating health ecosystem entities will need to adopt the standards defined by the IndEA framework. This will allow the integration of all disparate systems under one roof to securely achieve the exchange of clinical records and patient-data portability across India.

The NDHM Ecosystem will allow healthcare providers to gain better reach to new demand pools in OPD & IPD care. India’s OPD rates are currently only at 4 per day per 1000 population. For the patient, this means more preventive check-ups, lower out-of-pocket expenses, timely access to referrals, follow-up care, and improved health-seeking behavior. 

Centralized ID systems across International Territories 

All of this is being tied to a unique health ID for each citizen (or patient in a healthcare setting). What’s unique about health IDs is that each health ID is linked to ‘care contexts’ which carry information about a person’s health episode and can include health records like out-patient consultation notes, diagnostic reports, discharge summaries, and prescriptions. They are also linked to a health data consent manager to help manage a person’s privacy and consent. 

Centralised ID systems, although they come with great privacy & security-related risks, are essential to expanding coverage and strengthening links to service delivery for underprivileged citizens. India’s Unique Identification (UID) project, commonly known as Aadhaar, has also spurred interest in countries like Russia, Morocco, Algeria, Tunisia, Indonesia, Thailand, Malaysia, Philippines, and Singapore – who are now looking to develop Aadhaar-like identification systems for their territories.

By tying together unique IDs that are carefully secured with our health records, health systems can ‘talk’ with each other through secure data exchanges and facilitate optimization of innovative healthcare delivery models. For instance, a patient with a chronic condition (like diabetes, heart disease, etc.) can choose to send their health data to their practitioner of choice and have medical information, treatment, and advice flow to them, instead of them having to step into a doctor’s office.

Platforms that help add richness to existing Medical Information Systems

Distribution in healthcare will get a new and long-awaited facelift with the influx of health startups and other innovative solutions being allowed to permeate the market. Modern EHRs play a significant role in enhancing these new business models — by pulling information that has been traditionally siloed into new systems built on top of the EHRs, that can draw ‘patient-experience changing’ insights from them. For instance, Epic’s App Orchard and Cerner’s Code, and Allscripts’ Development Program — have opened up their platforms to encourage app development in this space. Data that flows into EHR systems, like Orchard or Allscripts, can then be fed into a clinical decision support system (CDSS) — from where developers can train models and provide inferences. For example, take the case of a patient who has a specific pattern of disease history. With the aid of Machine learning trained models, a CDSS can prompt the clinician with guidance about diagnosis options based on the patient’s previous history.

Let’s look at another example, where traditional vital signs and lab values are used to signal alarms for a patient’s health condition. A patient who has previously been treated for chronic bronchitis may come in because they are experiencing an unknown allergic reaction. In a typical scenario, the clinician has to depend on lab values, extensive tests, and context-less medical history reports — to get to the root of the issue. 

But this can be replaced by continuously monitoring AI tools that detect early patterns in health deterioration. In this example case, it could have helped the clinician identify immediately that the patient’s condition may be caused by exposure to allergy triggers, causing ‘allergic bronchitis’. Curated data from EHRs can be used to train models that help risk-stratify patients and assist decision-makers in classifying preoperative & non-operative patients into multiple risk categories.

Data warehouses contain the valuable oil, that is EHR data, but are also enriched with other types of data – like claims data, imaging data, genetic information-type, patient-generated data such as patient-reported outcomes, and wearable-generated data that includes nutrition, at-home vitals monitoring, physical activity status – collected from smartphones and watches. 

Today, data sharing is far from uncommon. For example, The OneFlorida Clinical Research Consortium uses clinical data from twelve healthcare organizations that provide care for nearly fifteen million Florida residents in 22 hospitals. Another example is the European Medical Information Framework (EMIF) which contains EHR data from 14 countries, blended into a single data model to enable new medical discovery and research.

Unsurprisingly, EHR companies were amongst the first to comply with interoperability rules. To that effect, EHR APIs are used for extracting data elements and other patient information from health records stored within one health IT system. With this data, healthcare organizations can potentially build a broad range of applications from patient-facing health apps, telehealth platforms, patient management solutions for treatment monitoring to existing patient portals. 

What’s Next?

In the next ten years, Cisco predicts that 500 billion sensory devices with 4-5 signals each will be connected to the Internet of Everything. This will create about 250 sensory data points per person on average. This wealth of data is ushering in a new wave of opportunities within healthcare. Deriving new interactions from the patient’s journey can be quite arduous. As the health consumer is being ushered into the ‘age of experiences’, the onus is on digital healthcare enterprises to make them more relevant, emotional, and personalized. 

By preparing for ‘Integration Readiness’, healthcare providers can access new patient demand pools from tier-2 & tier-3 cities, identify insights about the health consumer’s life cycle needs, and leverage new technologies to draw in more value from these interactions than ever before. Consequently, hospitals will be able to drive improved margins from reduced administrative costs and gain higher utilization through increased demand.

Parag Sharma, CEO & Founder, Mantra Labs featured in CXO Outlook. Read More – CXO Outlookhttps://www.cxooutlook.com/why-interoperability-is-key-to-unlocking-indias-digital-healthcare-ecosystem/

Cancel

Knowledge thats worth delivered in your inbox

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.

Cancel

Knowledge thats worth delivered in your inbox

Loading More Posts ...
Go Top
ml floating chatbot