FAQS

QUESTIONS AND ANSWERS

HEALTH PLATFORM

The platform is composed by several independent modules:

1) In-house core modules: Product Configurator, Pricing Engine, Decision Engine, Billing Engine, Policy Administration System, Renewals Engine
2) Third-party core modules: Claims & Network Management, Fraud Management
3) Digital Channel Applications: B2C Website, B2C Mobile app, B2B Website, Brokers Web Portal, Agents Web Portal, Network Provider Web Portal

The Health Platform is developed and ready to be implemented.

All applications are independent, and they are not coupled to any insurance core system, this means that any of these applications can be integrated into a new or existing insurance IT ecosystem.

The minimum requirements from the local spokes are dependent on the number of applications to be adopted. An assessment would be necessary to determine any local requirements.

Each module will be an independent package.

The 9 modules are ready to export to other geographies. 

The standard delivery models are:
1. Implementation Support – Médis provides technical and logistical support to OpCos in the implementation of local solutions. No digital asset transfer

2.A. Partial digital assets delivery: Front-end and APIs – Médis delivers front-end solutions and the respective connection points to the geographies’ APIs to enable the front-end functionalities

2.B. Partial digital assets delivery: Integration and back-end – Médis delivers the integration layer and back-end solutions to support the functioning of the geographies’ own front-end digital assets

3. End-to-end digital assets delivery – Médis delivers an E2E digital asset (front-end to back-end) that enables the full functioning of geographies’ customer digital channels’ operation

The delivery models differ according to several criteria. Besides the number of modules the geography wants to implement (full Health Platform vs few modules of the platform), they also depend on the setup need (golden copy vs greenfield approach), the complexity of the geography (e.g., integration and complexity level), installation (on premise, on cloud) and agreed support model.

The ROM costs will be estimated based on the required modules, local requirements, initial setup strategy, and best-fit delivery model.

Besides the number of modules the geography wants to implement (full Health Platform vs few modules of the platform), they also depend on the setup need (golden copy vs greenfield approach) and complexity of the geography (e.g., integration and complexity level).

Modularity, Multi-X (i.e., language, company, currency) and API first approach to ensure a fully headless design.

An initial local assessment must be conducted in each geography to estimate the time needed to deploy the required modules according to local requirements. This initial assessment will help define the roadmap for the OpCo implementation.

It is estimated a 4-step process for the local implementation:

a. Start by defining the required modules to address business and IT needs, high-level local requirements, initial deploy strategy, and best-fit delivery model for the modules, these will help estimate initial ROM costs and high-level timelines.

b. Perform a local assessment to:
(1) Do gap analysis according to local requirements (business, regulatory and IT) to define the implementation strategy and set the initial localization backlog
(2) Define the delivery model
(3) Define the initial implementation roadmap
(4) Estimate the initial costs for the implementation
(5) Define the program delivery team and its operating model

c. With the assessment concluded, decide on go / no-go based on the outcomes

d. If the program is approved, set the start date for the program

A minimum of 8 weeks to 12 weeks are required to perform the local assessment.

The local assessment activities are the following:

(1) Conduct a gap-analysis according to local requirements (business, regulatory and IT) to define the implementation strategy and set the initial localization backlog
(2) Define the delivery model
(3) Define the support model
(4) Define the initial implementation roadmap
(5) Estimate the initial costs for implementation
(6) Define the program delivery team and its operating model

The change management process will be addressed on delivery model definition. The delivery model will also address program management, communication management, workstreams definition and procurement.

All applications are designed to be GDPR compliant. Any additional local regulatory requirements will be addressed during the initial local assessment.

These matters will be addressed during the initial assessment on the support model definition, along with the delivery model and according to local requirements and local delivery capabilities.

Any data storage model is possible. These matters will be defined along with the delivery model and according to local requirements and delivery capabilities.

The Channel Applications are ready to export to other geographies.

The Health Platform is Microsoft technology-based and is cloud ready. The New Tools will be built on a low-code platform (Outsystems), with .NET generated code and will be compatible with any database. Facets is based on Microsoft technology. Four of the digital modules are built on .NET Core and Umbraco (content management), and two of them built on SharePoint.

We are proud to share that Médis digital applications are market-aware. All Médis digital applications are built according to Médis’ Design System, which ensures that all applications are always up to date with UX best practices, under the health insurance landscape. That is how we have become digitally relevant within insurance companies.

GLOBAL HEALTH PARTNERSHIPS

All digital health solutions that are part of the ecosystem are target for group contracts. We have started with both Symptom Checker and Fitness, Nutrition & Wellbeing together with the involvement of the several OpCos.

We can make group contracts in two strands: Core insurance and health services (e.g., Underwriting, Dynamic Health Underwriting tool).

After Symptom Checker and Wellness, the digital health solutions that are under analysis for Global Digital Health Partnerships are Dynamic Health Underwriting, Health Library, Telemedicine, Remote monitoring, and Disease management solutions.

Usually, the OpCos are involved in the analysis of the identified shortlisted providers, always being able to add other providers on the list that are relevant.

The goal is to always meet local needs and requirements. It will depend on the flexibility of the provider’s solution for each geography. Taking Wellness dimension as an example, the assessed wellness providers can design an API solution for some geographies, while White-label solution for others.

In case of new digital health solutions, our vision is that the solution implementation in each market shouldn’t rely on the implementation and timings back in Portugal. For the solutions already developed and live in Portugal, they are ready to start the sharing and exporting process.

EXPERTISE AND TALENT ACCELERATION PROGRAM

Currently, we have the following solutions fully developed and live in the market, which our customers can benefit in our digital channels:

• Fitness solution (a light version is live, it will be empowered by a whole Wellness Program)
• Health Library
• Woman’s Health (called Médis Baby and Pregnancy Program)
• Symptom Checker
• Telemedicine
• Dynamic Health Underwriting
• Disease Management solution (e.g., Oncology prevention program, PCP)
• E-booking, currently just for Telemedicine (near future for our clinics, PCP, among others)

As the program is custom-built, the duration of the Talent Acceleration Program will hinge on the commitment and engagement of the OpCo. The prior knowledge or experience of the talents selected by the OpCo will cause variations in the required depth of learning. Typically, the Program could range from 1 to 4 weeks on average.

Given the program’s tailored nature, the stated 1-4 weeks timeframe may vary. This depends on whether the focus is solely on the induction modules or if there’s interest in co-development sessions for shaping digital capabilities and tech assets.

Although we recommend full dedication to the program, we understand that sometimes it is impossible to hold off all the responsibilities in the home country. Thus, it is feasible to adapt the program so that it allows time for other obligations.

The content of the program will be meticulously designed around the specific training needs identified, especially concerning the solutions chosen by the OpCo for in-depth exploration or co-development. Based on these parameters, the Healthcare CoE and the OpCo will collaboratively agree on the program’s content.

By participating in the Talent Acceleration Program, OpCos can explore in-depth or co-develop the target solutions with a set of experts. This allows to leverage on lessons learned, starting at a further phase of the learning curve, and thus reducing both time-to-market and implementation risk

We encourage the talent(s) sent to have the knowledge and previous experience in the health domain and already carry certain responsibilities in their department.