Data-driven insurance innovation
CardioMood provides insurers with the technology and data infrastructure to launch next-generation wellness-linked insurance products.
Continuous Risk Assessment
Move beyond point-in-time health checks. Continuous monitoring catches emerging risks that annual screenings miss - so you can reprice policies before health events materialize.
Preventive Health Programs
Identify at-risk policyholders early and support their health journey, reducing claims by up to 18% while building member loyalty that competitors can't buy.
Actuarial Data Integration
Structured data feeds designed for your actuarial models, so your pricing reflects real health trajectories, not outdated population averages.
Engagement Incentives
Gamification increases wellness program participation by 3x - turning health tracking from a chore into a habit that protects your loss ratio.
Regulatory Compliance
Full GDPR and HIPAA compliance with audit trails - so you can launch wellness programs without legal delays or compliance risk.
Claims Analytics
Correlate health data with claims outcomes - identifying the risk factors that cost you the most and the interventions that prevent them.
Competitive advantage through prevention
In an industry focused on risk, CardioMood enables a proactive approach that benefits insurers and policyholders alike.
Win the Healthy Customer Segment
Wellness-linked policies attract lower-risk customers who actively manage their health - improving your book quality while competitors fight over commodity products.
Stop Paying for Preventable Claims
Catch cardiovascular risk months before hospitalization. Every early intervention saves 10x in avoided claims costs.
End the Renewal Race to the Bottom
Members invested in your wellness program don't switch for 5% savings. Their health data creates switching costs competitors can't overcome.
Price with Tomorrow's Data
Continuous monitoring shows where health is heading, so you stop overpaying for healthy risks and underpricing deteriorating ones.
Optimize Your Reinsurance Strategy
Segment your book by actual health trajectory, not demographic averages, and know which policies to keep and which to cede.
Stay Ahead of Prevention Mandates
As regulators push insurers toward preventive models, you'll already have the infrastructure and track record in place.
Solutions across insurance lines
CardioMood technology applies across life, health, and disability insurance with tailored solutions for each product line.
Life Insurance
Reduce mortality risk, increase retention
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Vitality programs keep members engaged daily - driving 24% higher policy retention
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Detect cardiovascular risk 6-12 months early - intervene before events cost 50x more
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Longitudinal health data for pricing accuracy competitors can't match
Health Insurance
Lower claims, healthier members
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Chronic disease management that catches deterioration before hospitalization
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Preventive incentives that measurably improve health - and your loss ratio
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Wearable data enhances claims prediction by 40%
Disability Insurance
Faster recovery, reduced duration
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Return-to-work monitoring cuts claim duration by tracking actual recovery
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Identify burnout in high-risk roles before it becomes a disability claim
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Objective capacity data for faster, fairer claims decisions
The Numbers That Matter
Evidence from Industry Research
Wellness programs with biometric monitoring deliver measurable ROI. Here's what the research shows - and what our partners experience.
RAND Corporation Study on Wellness Programs
Deloitte Insurance Report
ESC Guidelines on HRV Monitoring
Health Affairs Journal
Enterprise-ready insurance platform
CardioMood provides a complete technology platform that integrates with your existing systems and scales to millions of policyholders.