Not a single sector or segment is left untouched by the impact of digital transformation. Even healthcare and medical insurance giants have been forced to adapt, ditching manual data management procedures in favor of mobile app solutions. The evolving demands of users have led to a phenomenal disruption in the health insurance industry. This urgent and necessary shift towards digital solutions presents a compelling case for investment in healthcare software development.
Using a health and medical insurance app can resolve your insurance issues. Then why deal with unnecessary paperwork and intermediaries? As an entrepreneur, investing in healthcare software development would be lucrative and impactful in the current scenario. The potential for significant returns and the opportunity to positively impact the healthcare industry make this a confident and reassuring investment choice.
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Oscar was the first enterprise whose demands hit the roof, crossing over 1 million active members in no time. Similar apps are Aetna, MyIH, and myCigna.
Moreover, developing a health insurance app with built-in features and functionalities will enhance your brand positioning. So, are you all prepared to build a phenomenal health insurance app for your organization? If so, then let us know how to make one.
What is a Health Insurance App?
Health insurance app is a mobile application that provides extensive medical insurance solutions for users seeking to insure their health. It can work wonders by giving renewal reminders, information about network hospitals, and hassle-free payments. Users can perform many tasks through this app.
A robust health insurance app enables customers to make claims, renew policies, contact customer care, and much more. On the other hand, businesses providing such apps to the users will also get higher benefits such as a boost in revenue, more user engagement, and higher traffic. With the growing market size of health insurance, investing in mobile app development for health insurance will reap substantial benefits for your business.
Let us find out what core benefits customers can derive from health insurance apps. We shall also know how these benefits benefit the business.
Why You Must Build a Health Insurance App?
Benefits to the Customers:
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You can easily find doctors in the insurance network and get on-demand access to all the exceptional doctors
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You can message the doctor through an authorized and secured permission
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You can avoid visiting the clinic and the stress involved in asking small questions.
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Reduce the cost of services, and you can be at ease with seamless navigation of the medical insurance on any device
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No excess paperwork involved in getting the insurance and coverage
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A private treatment plan to meet customer needs.
Benefits to the Business
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Increasing number of client base because of access to home care and discharged patients
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Enhanced customer service with no long queues to wait, cancellations, missed appointments, and lengthy claim procedures.
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Efficient operations onsite and at remote workplaces, including more freedom to collaborate with specialists
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With AI in healthcare, less workforce is needed to provide personalized services. One man can handle several clients.
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With electronic health records, you can quickly integrate patient data and clinical history, enabling exchange with the insurance company.
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It can provide better treatment to patients and attract more new clients at the same time, enabling scaling business and increasing revenue.
Top Features That You Can Include in Health Insurance App
As an entrepreneur, you must know what unique features users need. Your health insurance app can only succeed when you incorporate multiple features that are effective and useful in the long run.
User Profile
Users can register and manage their profiles using phone numbers, emails, policy information, and other essential information. You can provide personalized user experiences through this feature.
Policy Details
Detailed policy information, including deductibles, coverage details, premiums, etc., is provided. Users can compare with other insurance plans and make informed decisions.
Claim Management
Users can submit insurance claims and track and manage them further. They can easily upload supporting documents regarding claims and will receive the status directly on the app.
Payment Management
Payment management is a crucial feature since it determines the actual performance of your health insurance app. Your app must provide various payment options, allow users to sign up quickly, automate invoice processing, and offer considerable commissions and incentives.
Media Sharing
Patients can effectively share medication documents or any medical reports needed for further analysis from the doctor’s end.
Efficient Communication
Your app’s credibility is totally dependent on the effective communication it can provide to users. It means your users must be able to easily connect with insurers, customer support officers, healthcare providers, etc., quickly and hassle-free. In addition, your app must support all types of communication modes, such as video calls, chat, and voice calls.
Push Notifications
Users get important reminders and updates promptly through push notifications. They get well-informed about claim updates, policy changes, and essential healthcare alerts.
Early Diagnosis
This is one of the most sought-after features provided by leading health insurance apps. With this feature, companies gain a competitive edge, as users have easy access to medical guidance. Especially with AI in healthcare, this feature empowers users to obtain an initial diagnosis of their health problem through a questionnaire. You will get the right doctor through this feature.
Multi-Factor Authentication
Multi-factor authentication feature will keep your app secure and protects users’ privacy. It adheres to HIPAA compliance, wherein protecting patients’ private medical information is crucial and any unauthorized access is unlawful. For that, multifactor authentication is provided to secure the app’s accessibility, wherein a one-time code or a biometric scan is needed.
In-App Payment Integration
Insured individuals may lose coverage if premiums are not paid on time. To help users confront such situations, you can integrate a payment gateway feature into the app. It will help users pay premiums conveniently and on time. With in-app payment integration, users get hassle-free payment options such as swift bill settlement followed by medical appointments.
What are The Steps To Build a Scalable Health Insurance App?
Seeking expert guidance and support from a reputed healthcare software development company would be great. To build a scalable health insurance app calls for providing vital services and managing the confidential medical data of numerous patients. Hence, your app must be high-performing, secure, and top-quality. Get help from well-qualified UI/UX design experts, Quality assurance specialists, and proficient frontend and backend developers. We recommend the following steps:
Perform Research
The foremost step in any healthcare software development is to perform a business analysis. In addition, understanding competitors’ strategies and upcoming opportunities is crucial. Also, getting the idea of cost estimation, planning product market positioning, and enlisting the necessary features is important. At this stage, you must:
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Identify business needs and product architecture
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Create a business plan that has detailed technical documentation
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Find out the best technical solutions.
To be precise, at this stage, you must develop a health insurance development roadmap that caters to the business goals and can create consistent information architecture.
Choose Technology Stack
Find out which platform you want to develop your app for. Is it iOS app development or Android app development, or both? In that case, you must choose the best cross-platform app development frameworks. For the US, iOS app development is the best, while Android fits for the rest of the world. Selecting the latest tech stack for your healthcare insurance app will keep you ahead of the competition. In this case, you must consider languages, frameworks, libraries, development toolkits, and programming methods. If you need more expertise in finding the best technology stack, seek help from the top healthcare app development experts.
UI/UX Design
Always remember that the first impression is the last impression. And if they do not like it, you may have to find a different way out. Users stop using a particular mobile app because of poor UI/UX designs and performance. Even inconsistent UI may get canceled. It means users have a plethora of options available, and they mainly use apps that perform brilliantly. So, ensure your app design structure follows users’ perspectives and needs. Keep it minimalistic and easy to navigate.
Create Prototype
First, create a beta version of your app. It will help you gather crucial information and honest feedback about your app. Prototyping also saves time and money when rectifying errors in the redevelopment phase. When the test users give you feedback, you can immediately take action and make necessary improvements in the ongoing development process.
Keep Healthcare Data Protection Guidelines Checked
Apart from designs and app performance, the other concern is always data security. To ensure the same, you must follow the healthcare data protection guidelines of the respective country in which you will release your app. Make sure your app complies with the legal regulations in the health and medical insurance industry. For example, in the USA, the guidelines to be followed are HITECH and HIPAA. In the European Union, the guidelines are GDPR.
Running Tests and Upgrading Features
The last step is thoroughly testing your mobile app to ensure it passes all the strict quality checks. At this stage, it is important to identify bugs and errors in the app that might pose a challenge in providing convenient user experiences. These issues must be rectified immediately.
Conclusion
Creating an interactive mobile application is essential in the healthcare insurance sector. If you want to stand out from the competition and provide something unique, you must put sufficient time and effort into building an innovative mobile app that can offer extraordinary benefits to you and your clients. Developing such an app is a complex process and needs technical expertise. We are a dedicated software development team from Whitelotus Corporation, with specific skill sets in building creative mobile applications for over a decade. To create an engaging medical insurance app for your business, contact our experts today!
