Wellness Intervention Case Study

Reduce LTC claims costs and reserves by 5%, improve customer wellness outcomes

Using our iterative Decision Science approach, we worked in partnership with our customer and strategic partners, including care providers, to deliver better outcomes for customers and shareholders.

The Problem

Which wellness interventions should be targeted to which customers to improve customer outcomes and maximize ROI of interventions?

Our customer is a medical protection insurer and sought to reduce claims costs by improving policyholder health outcomes to reduce risk of claim.

Summary of What We Did

Montoux’s Decision Science Platform delivered the following outcomes:

• Built a claims-propensity model to identify which policyholders are most at risk of claim
• Modeled and optimize wellness intervention strategies
• Deployed claims monitoring to measure actual vs expected experience
• Operationalized the wellness management process to enable iterative, continuous improvement

Benefits to Our Customer

Deeper insight into customer claims propensity

Calculate efficacy and ROI of different wellness intervention options

Optimized strategy delivered 5% reduction in claims costs and reserves

Get in Touch: To learn more please contact hello@montoux.com

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CUSTOMER LIFETIME 
VALUE

Improve customer lifetime value by $6m per annum.

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EXPERIENCE STUDY

Automating the experience study workflow; completed in near-real-time based on monthly data feeds.

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PRICE OPTIMIZATION

Increase in-force protection product Embedded Value by 12 percent.

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DISTRIBUTION & PRODUCT 
ANALYTICS

Identified a pathway to increase sales by over 30 percent.

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WELLNESS INTERVENTION MANAGEMENT

Reduce LTC claims costs and reserves by 5 percent, improve customer wellness outcomes.

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