Our greatest glory is not in never falling - but in rising every time we fall. "Confucius"

In these uncertain times, the anxiety for what tomorrow will bring has globally increased. Covid-19 causes various symptoms, while the way it evolves differs from patient to patient. We remove part of the anxiety by providing a solution that allows insurance companies to provide immediate and affordable health insurance coverage for people that are feeling ill.

Learn more about Enforce platform

What it does

Enforce is a web/mobile application that provides easy access to health insurance coverage for people that are already sick by Covid-19. The user feeds the application with up to 2 symptoms he is suffering from, and the application responds with the best premium amount and immediately assigns a coverage.
The application uses advanced statistical modeling to analyze Covid-19 relative data, to correlate Covid-19 symptoms, and to determine the probability of hospitalization. Furthermore, it calculates and minimizes the risk of loss for the insurance companies, with the intention to provide global minimized prices and to return the amount of the money saved back to the health care system. Reinforced learning from continuously updating the input data, allows automatic premium readjustment. Additionally, the application makes use of information provided by hospitals and mobile sensors (GPS, GSM signals) to provide feedback to the user on the closest hospital should there be a need for immediate hospitalization. Chatbots will provide one-click assistance to the low-Tech users guiding them through all the necessary procedures to get immediate access to health coverage.

How we built it

We have used the Bayes Theorem and calculate the opposite probability and therefore calculated if a specific symptom and age are known, the probability that the specific individual will hospitalize with Covid19 within the next days. We used Rstudio to create our Advanced Statistical Modeling.

More details about the 'The mathematics behind European Covid19 insurance platform application' can be found here.

Challenges we ran into

1. Since statistics differ across the affected countries, the data collection needs to be region-specific and thus the application should also be region-specific.

2. Patients struggle to identify the severity of each symptom and prioritize them according to their seriousness. A foolproof approach needs to be adopted to minimize user objectivity. To minimize user objectivity, a scoring algorithm is implemented for the weighting of the disease symptoms.

3. Some of the Covid-19 symptoms experienced may be caused by other diseases. There is a risk for the patient to pay for a premium contract that covers Covid-19, while he is suffering from a different disease.

Accomplishments that we're proud of

1. The statistical analysis which provides clear evidence that health coverage with low premiums, is possible for all, even for those already suffering from Covid-19.

2. Statistical study indicates that not only is this coverage sustainable for insurance companies, but it can also return a significant amount back to the healthcare system for financing purposes.

What's next for enforce insurance platform

1. We are going to use a complete dataset

2. We are going to reach out insurance companies kai medical providers to collaborate with

Learn more about Enforce platform

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How the Enforce project can affect the general effort against the Covid19

The Enforce project is an immediate insurance solution, which offers coverage to Covid19 possible patients, with an affordable premium, in a quarantine situation. An extensive calculation has been done taking into consideration up to three symptoms and parameters like the status of the infected people from the virus in each area, the mean of the private hospitals’ prices of the specific area and the population who participates in the insurance sample. Finally estimates the average cost for an individual, to be hospitalized, if needed, in a private hospital. All people with symptoms, regardless their age or having pre-existing conditions will be covered under Enforce without any underwriting.
The results from the Enforce project implementation will be significantly valuable for everyone, individual citizens, public sector and private sector. Firstly if private sector is involved in the effort against Covid19 we will collectively achieve the enlargement of the care for the covid19 patients needed hospitalization. Therefore more people will have access to hospitalization treatment and as a result less people will die. In parallel public sector will be less saturated by patients, doctors and nurses will be working under more human conditions and the probabilities of a successful covid19 patients’ treatment will be maximized, without hospital providers (doctors etc.) to be in danger. Moreover there will be a significant amount saved, in the public sector, due to the fact that a proportion of hospitalized patients will be covered in the private sector. For example, in an area of 10 million adult people if the 5% of the symptomatic population uses Enforce solution, we will be achieving a saving of approximately 15 million euro for the public sector (using Greek private hospital prices). For Individual citizens now, they will get a peace of mind, as it will be a really good opportunity to be able to be hospitalized in a private hospital, if needed, with a really affordable price. Finally, for Private sector it will be an opportunity to help in the general effort against Covid19 and also to give a liquidity “injection” to the market. Enforce solution is an idea which can be implemented really fast, the implemented duration could be less than a month and without significant cost. For all the above reasons we will try to make Enforce solution implemented, in the European zone at least, and we are requesting your support in our effort. Thank you The Enforce team

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