Heartbeat was developed to enable travel insurance customers to easily access their Medical Health Summary from their Doctor in a secure manner from their phone or the Web. It will alert doctors that their patient is about to travel overseas and provides the opportunity for them to consult with the patient before they travel. The Health Summary is very useful when travelling overseas should a medical event (e.g. lost prescription drugs) or a medical emergency (e.g. hospital admission) occur.
It enables the customer to quickly obtain the medical services they require with the support of their travel insurer. More info about the key features are listed here.
There are on average 2,200 cases each week where Kiwi’s traveling overseas requires some form of medical assistance, a key limitation to getting fast and effective help is that health data is not easily accessible by the patient, overseas medical provider or the insurer emergency assistance. There are often cases where kiwis have emergency’s overseas and need to make a travel insurance claim so they can get the assistance they need, often these medical costs can be tens or hundreds of thousands of dollars so no assistance or treatment can be done until the travel insurer accepts the claim and pays out. Currently, the insurer has to try and track down the medical record and ensure that the claim is legitimate, this can often take 2-3 weeks which results in a huge amount of stress for all parties involved. With the health summary data captured and secured before the travel, if an emergency happens the insurer has all the data they need to quickly process the claim.
There are additional features to the tool which makes life easier for travellers and for claims including the ability to upload important documents like passports, insurance certificates, policy documents & receipts. An added benefit of the patient viewing this data before they leave is that if they had forgotten to declare any pre-existing conditions, then they can adjust their cover before departure to ensure they are actually covered.
This is a great innovation story as the solution integrates with the existing health IT infrastructure in NZ to deliver a completely new service that has the ability to have huge impact on the way New Zealanders can access health care overseas while travelling.
This solution offers huge benefits for all parties and facilities better patient engagement & empowers patients with their own data. GP's are made aware of their travel plans which allows them to have appropriate consultations while also ensuring the right prescriptions & vaccinations are sorted before travel.
Unlocking data; Heartbeat is also pushing the boundaries of what patient health data can be unlocked from a GP PMS and how it can be used to enable better outcomes. Heartbeat is doing this using AI - see more below about the technology and how it plays a role in the Heartbeat solution.
The patient health summary is the equivalent of getting a warrant of fitness and enabling this data to be used as part of the insurance process will enable customers to have a range of pre-existing conditions covered when travelling. It will contribute to changing the face of insurance, particularly around the relationship of the patient and their insurer in improving risk management.
2016 - 2017
Inception of the Heartbeat product by industry leaders; Murray Lilley (Insurance) & Geoff Sayer (Health)
Webtools Health begins developing the cloud based heartbeat platform.
Covermore Travel Insurance successfully complete beta testing using employees. Covermore and its Partners sell over 600,000 travel policies annually.
Covermore begin using Heartbeat with customers and incentivise customers to use it.
Planned: November 2018
Engagement with leading Australian insurers with integration & POC work underway.
The tool can also be adapted for Health & Life insurance with a number of client keen to see this, work has begun to develop these versions of Heartbeat.