Data-driven insurance innovation
CardioMood provides insurers with the technology and data infrastructure to launch next-generation wellness-linked insurance products.
Continuous Risk Assessment
Move beyond point-in-time health checks. Continuous monitoring provides a complete picture of policyholder health trajectories and emerging risks.
Preventive Health Programs
Enable proactive health interventions that reduce claims. Identify at-risk individuals early and support their health journey with personalized programs.
Actuarial Data Integration
Structured data feeds designed for actuarial models. Improve risk pricing accuracy with continuous health data and predictive analytics.
Engagement Incentives
Reward healthy behaviors with premium discounts and incentives. Gamification increases participation in wellness programs and drives long-term engagement.
Regulatory Compliance
GDPR and HIPAA compliant data handling with full audit trails. Secure, certified systems meet stringent regulatory requirements across jurisdictions.
Claims Analytics
Correlate continuous health data with claims outcomes. Identify patterns and risk factors that improve underwriting decisions and loss prevention.
Competitive advantage through prevention
In an industry focused on risk, CardioMood enables a proactive approach that benefits insurers and policyholders alike.
Premium Differentiation
Stand out in a competitive market with innovative wellness-linked policies that attract health-conscious customers.
Risk Reduction
Proactive health monitoring reduces the frequency and severity of claims by catching issues before they become costly.
Customer Retention
Value-added wellness services increase policy stickiness and reduce churn to competitors.
Accurate Underwriting
Continuous data improves risk assessment beyond traditional actuarial tables and point-in-time health screenings.
Portfolio Optimization
Segment policyholders by health trajectory to optimize reinsurance and capital allocation.
Regulatory Leadership
Demonstrate commitment to preventive health and customer wellbeing to regulators and stakeholders.
Solutions across insurance lines
CardioMood technology applies across life, health, and disability insurance with tailored solutions for each product line.
Life Insurance
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Continuous vitality programs with premium discounts for healthy behaviors
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Early cardiovascular risk detection for proactive interventions
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Mortality risk refinement with longitudinal health data
Health Insurance
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Chronic disease management programs with biometric monitoring
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Preventive care incentives linked to measurable health improvements
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Claims prediction models enhanced with wearable data
Disability Insurance
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Return-to-work monitoring for disability claimants
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Stress and burnout prevention for high-risk occupations
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Objective functional capacity assessment
European Life Insurer: Vitality Program
Top 10 European Insurer
A leading European life insurer partnered with CardioMood to enhance their vitality program with continuous biometric monitoring, moving beyond step counts to meaningful health metrics.
Enrolled 45,000 policyholders in the enhanced wellness program
HRV-based stress tracking identified 12% of members at elevated cardiovascular risk
Targeted interventions reduced risk status in 67% of high-risk members within 12 months
Claims costs reduced by 18% in the participating cohort vs. control group
Policy retention rate increased by 24% among program participants
Member satisfaction scores 34 points higher than standard policies
Actuarial models enhanced with continuous health data for pricing refinement
Enterprise-ready insurance platform
CardioMood provides a complete technology platform that integrates with your existing systems and scales to millions of policyholders.