Insurance Companies

Efficient Client Management

Revolutionising MSK Healthcare in the Insurance industry with EMA's Innovative Approach

Unlocking Value in MSK Conditions for Employers and Insurers

Musculoskeletal (MSK) conditions, often overlooked but profoundly impactful, have emerged as a significant concern for employers worldwide. Research has illuminated a sobering reality: MSK conditions stand as the costliest cause of insurance claims for businesses across the globe. Despite the financial strain these conditions impose, conservative treatments like physiotherapy have the potential to deliver better results for patients and lower costs. However, a persistent challenge remains — access to these crucial therapies.

EMA's Pioneering Solution:

EMA (Exercise Management App) is here to disrupt the status quo, by helping insurance companies make informed decisions on evaluating client claims. The solution is elegantly simple yet profoundly effective:

Client Survey: EMA initiates the process by sending clients a comprehensive survey designed to assess their musculoskeletal health. This survey serves as the initial touchpoint, setting the stage for personalised care.
AI-Assisted Mobility Test: The heart of EMA lies in its AI-assisted mobility test, which clients can undertake from the convenience of their mobile devices. This innovative test generates evidential data, offering a precise ‘picture’ of an individual's musculoskeletal health.
Data Analysis by Admin: The data collected is then meticulously analysed by an appointed administrator. This step is critical in extracting actionable insights from the data, enabling the customisation of care plans based on each client's unique needs.

The Benefits are Multifaceted:

EMA's approach brings forth a range of benefits for both clients and insurers, redefining the landscape of health insurance:

Evidence-Backed MSK Health Check: For clients seeking new health insurance policies or renewing existing ones, EMA provides a robust, evidence-backed MSK health check. This empowers insurers to offer tailored coverage that aligns with individual health needs.
Premium Adjustment: EMA introduces a novel approach to insurance premiums. Non-compliant clients, who fail to prioritise their MSK health, may face adjusted premiums commensurate with their risk profile. In contrast, compliant clients are rewarded for their commitment to musculoskeletal well-being.
Support for Claims Assessment: EMA's evidential data serves as a potent support tool for assessing injury and accident claims. Insurers can rely on accurate, data-driven insights to make informed decisions, ensuring fair and efficient claims processing.