1. Disruptive Insurance Product
Innovation Using IoT in
Healthcare
John Brisco
CEO
Coherent Capital
Zane Moi
Head of Business Development HKT
Amazon Web Services

2. AWS in Insurance
Overcoming hardware
constraints
Empowering enterprise
data excellence
Deploying high-performance
computing capabilities
Modernizing infrastructure
and automating processes
Developing novel
digital platforms
Migrating regulated
workloads to the cloud
Accelerating
transformation
Accelerating product
go-to-market speeds
“Using AWS helps us reduce a 10-day process to 10 minutes. That’s transformative: it broadens our ability
to discover.” - Peter Phillips, Managing Director, Aon Benfield

3. Cloud is enabling transformation and
innovation in the industry
Widespread
adoption today
Art of the
possible
Grid
computing
Agile data
analytics
Internet of
Things
Blockchain
and DLT
AI/Machine
Learning
As financial institutions better understand their ability to meet regulatory compliance obligations when
operating in the cloud, they are increasingly focused on leveraging the cloud to transform their existing
businesses and bring innovative new solutions to market.

4. A WORD ON SECURITY

5. A WORD ON SECURITY AND COMPLIANCE
Over 50 global
compliance
certifications and
accreditations
Benefit from AWS
industry leading
security teams 24/7,
365 days a year
Security infrastructure
built to satisfy military,
global banks, and other
high-sensitivity
organizations
Leverage security
enhancements from
1M+ customer
experiences

6. The Shared Responsibility Model
 You retain ownership of your IP and content – AWS does not
have access
 You control region(s) where your data is stored
 You can build end-to-end compliance, including HIPAA
compliance
 AWS data centers always “on”; robust connectivity and
bandwidth
 Ongoing audit and assurance program
 Industry certifications
AWS secures
the
infrastructur
e....
....so you
can secure
your data

7. AWS assists your IA compliance efforts
User Guide covers:
• Shared Responsibilities
• Outsourcing controls
(GN8)
• Insurance activities
over the Internet
(GN14)
Find out more: https://aws.amazon.com/events/fsi-hk-
whitepapers/

8. DISRUPTIVE INSURANCE PRODUCT
INNOVATION USING IOT IN
HEALTHCARE

9. Very quick introduction to Team Coherent…..
• We focus on Insurance. Now and Forever.
• One of the fastest growing InsurTech business in
Asia.
• Our mission is to help the insurance industry
“believe in a new tomorrow”.
• Team of +40 and growing each day. Grade A talent
superstars.
• 100% of technology development done in-house.
• Cloud Native, Data Obsessed and Product Driven –
we are the business of the future, here today.

10. Healthcare eco-system: driven by DATA
interaction

11. MASSIVE data consumption is coming…..
2017 2018 2019 2020 2021
Global population and number of IoT devices
0
5
10
15
20
25
30
35 (#in billions)
# of IoTdevices
Globalhuman
population
Devices
Population
2017 2019 2021 2023
Human-to-device and device-to-device data consumption
0
10
100
100k (Zettabyteperyear)
1k
10k
Deviceto Device
Humanto Device
D2D
H2D

12. Wearable Monitors Smart Medical Devices
Mobile Health
Applications
Internet of Things (IoT) in Healthcare
From wrist bands that track health
indicators to delivery devices for
insulin and drugs, wearables have
become an invaluable part of the
healthcare provider toolkit.
Pacemakers, smart pills, and other
devices that are implanted inside the
body can help doctors monitor and
maintain health issues and possibly
prevent invasive treatments.
Patients now have real-time access
to their own health records and can
directly engage with their own
treatment plans.

13. Artificial Intelligence and Machine
Learning in Healthcare
Data Analysis
Clinical Decision
Support
Personalized Medicine
Medical data is growing rapidly yet
its scale, variety and messy nature
make it difficult to analyze. Machine
learning can help uncover valuable
insights that lead to cost savings and
better patient care.
From predicting complications to drug
adherence, from triaging medical
images to analyzing patient voice
sentiment, machine learning can be a
powerful companion to the care team.
Genomic sequencing opens a window
into better understanding of diseases
and patients’ reactions to medications.
machine learning can guide a tailored
therapeutic approach for a patient’s
unique characteristics.

14. The potential for consumer healthcare?
1. No more non-value apps
– consumers want insights
2. Lifestyle and Wellness platforms will win
3. Data INTENSITY = New OPPORTUNITY
4. Real Time is the NORM
5. Machines learn to IMPROVE our lives

15. Ping An shows the way in Insurance….
Good Doctor
WHY DOES GOOD DOCTOR HAVE A +5BN VALUATION?
MAGICAL ‘ALL-IN’ ECO-SYSTEM
WITH CUTTING-EDGE
TECHNOLOGY & DATA/AI
‘VC’ KPI’s
AND MONETISATION ‘LEVERS’
CLEAR ’MISSION’ AND SCALE
FOCUS
 Scale has been
incredible:
• App users over 190mn
• +370,000 daily online
consultations
• 178,800 SKUs via
online Healthmall
• 888 medical personnel
 Focused KPI’s in the vein
of a VC backed start-up.
MAU is ~33mn.
 Monetisation focus via:
 Online consultations
 Consumer healthcare
services packages
 Direct healthmall sales

16. However, most insurers are not Ping An.
Most have MAJOR legacy challenges
FIXED &
TRADITIONAL
NON-
SCALEABLE
SPAGHETTI
JUNCTION
RELATIONAL &
DUMB
HIGH COST &
COMPLEX
Data
Center
Servers Networkin
g
Databases Storage
LEGACY KILLS THE HEALTHCARE DATA OPPORTUNITY

17. We work with AWS to help educate and improve
insurers on the art of the possible with cloud/data..
Government
Regulatory
Interpretatio
n
Healthcare
Eco-System
Development
Insurance
Innovation
Support
Research
Analytics
CX Pathway
Management
Disease
Registries Data
Data/Cloud
Interoperability
Insurance
Product Design

18. We also use AWS for our own ‘kickass’
InsurTech platforms
Applicatio
n
portability
Environment
fidelity
Continuous
deployment
High availability
& scale
Scale containers
up and down

19. What this all means……
Exponential data
consumption
Consumer
Appetite
Cloud + Machine
Learning Evolution
Epic OPPORTUNITY
ARE YOU PREPARED TO ACCEPT THE STATUS QUO?

20. Thank You