The Health care structure in India is on the cusp of a digital transformation. Both public healthcare departments and private players are recognizing the importance of digital technology in bringing clinical proficiency and patient engagement. 

Also, health insurance companies and patients across the world are getting comfortable with the digital transformation; in India albeit the infrastructure and demographic challenges continue to remain. To assist the same we can expect specific healthcare models leveraging technologies like Cloud, Mobile, IoT, Social, and Analytics. 

As per a Gartner report, in 2016 Healthcare providers in India spent nearly 1.2 billion USD on IT infrastructure that further grew by 6.7 percent in 2019. It includes spending on IT services, software, internal services, telecom services, data centre systems, and devices. 

Industry reports also mention that the health care IT industry is expected to grow at a CAGR of 11.9% to reach USD 1.961 billion by 2020. 

We are likely to see big data giving a 360 degree turn to the way healthcare is being delivered right now. It is going to bring a significant reduction in the overall healthcare cost and the quality of healthcare products and services.

It is not only limited to healthcare, but even the health insurance providers are also strengthening the insurance landscape with these technologies in terms of patient care, claim settlement of health insurance for family and individuals, renewal, medical history, etc. 

Data Analytics, Cloud Based Solutions; AI, etc. are the New Trendsetters in the field of Health Insurance

Digital health is not only limited to patient care, it is all about streamlining the entire customer experience. With the use of smart communication devices the health insurance and health care providers can monitor patients, manage their illness, treatment, and recovery. 

The use of digital technology and applications will help the insurers in catering to the specific needs of insurance providers, patients and payers with the available digital records.

Digital Tools Improving the Future of Health Insurance

Digital technologies like Big Data, Artificial Intelligence, Cloud and Big Data have moved much beyond just reducing the costs and the wait times.  More and more digital tools are being designed for consultation, diagnosis, preventive medicine, drug testing and much more. 

In order to make a significant impact in health insurance sector, it is essential to digitize health insurance plan as well as customer data, along with data integration between insurance companies and hospitals. More and more digital applications are being built to support insurers with their data workflows and business process management.

Benefits of Using Digital Tools in Health Insurance

Digitalization is already underway in health insurance sectors in India. A lot of health insurance companies are already moving ahead of their competitors with digitization. Below are some of the benefits that both insurers and customers can expect with the integration of digital tools:

1. Enabling both insurance providers and patient’s access to health data, thus improving the overall patient care.

2. Streamlining of health insurance processes including purchase, renewal, claim settlement, and grievance redressal.

3. mHealth apps with EHR facility can be used to maintain patients’ diagnostic tests, medication lists, medical instructions, problems, medical history, medical insurance, and other specific instructions.

4. Using health apps customers can have access to insurance specific solutions and more control over their personal well-being. Moreover, such an interactive interface will help bring awareness about health insurance amongst the millennials.

5. By integrating customer data into their internal mobile apps, health insurance providers can provide efficient customer services and provide an optimal customer experience through digitalization. 

6. Integration of Big Data and Analytics in health insurance applications will make it easily to handle the data related to hospital transactions, patient’s health, lab reports as well as health insurance records.

Therefore, by embracing digitalization, health insurance companies can keep up with the rapidly evolving needs of the customers in this digital world.


Clearly, we can witness a global digital expansion, and any sector not realizing and incorporating the upcoming digital trends will fall behind. The rise of digital technology in India especially in the health insurance sector is slowly pushing us towards achieving health for all. This will open more avenues for foreign investments and help us emerge as a global leader in digital health.

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