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5 Features Your Health Insurance App Needs to Have for Stress-Free Claims

For medical insurance companies, a health insurance app serves as a direct communication channel to connect with their customers. However, it’s important that the application is simple and friendly with all the right features so that customers can easily access the services.

5 Features Your Health Insurance App Needs to Have for Stress-Free Claims

But as the healthcare industry is rapidly undergoing a massive transformation, driven by advances in technology, customer expectations are changing too. By keeping an eye on the competitors and knowing what they missed, you can create mobile apps that are worthy for your customers. 

Here are Top Features of Health Insurance Mobile App That Make it a Hit 

1. A Smart Personal Agent 

Health insurance plans often have confusing terms like copay, coinsurance, and out-of-pocket maximum, making it hard for people to understand. A health insurance app with an AI-powered agent can explain these terms in simple language, providing information to buyers anytime they want. This feature improves accessibility and enhances the overall experience for patients, reducing the need to rely solely on insurers.

2. Integration of Wearables

Data is the new gold for health insurers and integrating with wearable devices opens a treasure trove of real-time health metrics – heart rate, activity levels, sleep patterns. Insurers get a detailed picture of individual health risks and needs to offer personalized insurance plans whereas patients don’t have to confuse about the right plan for their health needs. 

Choose a health insurance app development company that can successfully integrate wearable technology into your app to make this feature effective. 

3. Telemedicine Integration

Telemedicine benefits not only patients and healthcare providers but also opens new opportunities for insurance companies. With Remote Patient Monitoring (RPM) technologies, insurers can track and analyze real-time health data, giving a more accurate view of a customer's health compared to traditional assessments. 

Insurers can use this data to tailor their offerings and create personalized health programs, enhancing customer satisfaction and loyalty. In summary, remote patient monitoring empowers insurance companies to actively manage risks, optimize healthcare usage, and provide greater value to their policyholders.

4. Doctor Finder 

Your health insurance app should not only have features of claim submission and policy management. It must connect patients with doctors, pharmacies, and healthcare providers whenever they need. That requires integration of GPS and map within the application. 

The application can be made more useful by adding a remote consultation feature to save patients’ time on travel and reduce out-of-pocket expense.

Read More: Double Your Bookings with a Custom Appointment Scheduling App

5. Accurate Premium and Medical Calculation

Buying a health insurance plan means there will be a lot of calculations that patients have to do. From premium, deductibles, to out-of-pocket amount, manually calculating each is an unsaid challenge for them. Health insurers can reduce this burden by using AI in their health insurance app.

AI can help here and automate the calculation after considering multiple factors that impact the expense. Not just insurance amount, AI can also give real-time cost estimation on medication to help them keep track of their expense. This transparency in cost can make your application more popular than others.

Don’t Forget These 2 Things During Health Insurance App Development

Whether you add these features in your health insurance apps or not, you must remember 2 things- maintain trust and reliability. 

1. Data Privacy

Operating in the complex web of healthcare industry brings challenges like fraud claims, data theft of patients, and failing to comply with HIPAA and GDPR. If your insurance apps in not designed to overcome these challenges, you will lose customers' trust and will be wasting money on an app that yields nothing. 

A professional health insurance app development company lets you navigate the ocean of these challenges easily while designing an app that attracts customers. 

2. Uptime Reliability

A strong backend application infrastructure promises that patients get insurance services on time without any roadblocks. It helps you provide on-spot emergency insurance claim submission or accurately verify the patients and their claim. 

On-Demand Health Insurance Mobile App Development

Health insurance app development isn't a walk in the park. It requires a blend of technical expertise and creative thinking to deliver an app that's not only functional but also a pleasure to use. That's where Softude comes in.

Our team of experienced app developers are wizards of the mobile world, with a special talent for crafting mobile applications for healthcare industry. Get in touch with us to discuss your app requirements. 

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