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The Main Features of a Health Insurance Mobile App

22 Jun 2020 Developer News
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People have always had concerns about their health and safety that are continuously growing in importance. Health insurance companies are leading the way with mobile apps. When companies don't consider the need for health insurance apps, they are missing out on a serious chance to connect. When a company can deliver relevant information to their customers via smartphone, they will enjoy a position of leadership in the industry. Health apps can fulfill many essential functions, from providing information to putting patients in touch with doctors. An app with the right mixture of features will help ensure the service and experience that patients require the most.

Suitability for What Patients Need

Regardless of which target group an app is intended to reach, the application should ideally solve an identifiable problem that exists within the healthcare industry. Irrespective of whether it might be a long check-in and waiting process that needs to be streamlined or issues getting in touch with providers, the app should address one of these types of concerns. An advantage of health insurance mobile apps is that they can add value to the company that they represent, potentially increasing the number of patients who opt to use the plan. One way to offer an app that has maximum value is to focus on health monitoring, such as vitals, body mass index, and blood glucose. Using apps to monitor these types of readings is one way to encourage users to stay on top of their health. If these app features also make it easy to send this information to healthcare providers, users will be more likely to use the app as often as possible.

A User-Friendly Design

User-friendly technology continues to remain important, and may make or break an app. Although apps can contain vast amounts of information, they are their most useful when they are user-friendly above all else. One thing that developers need to bear in mind is that mobile apps have users of all ages and technical literacy levels. Many who adopted mobile technology at a later stage are less comfortable using apps without guidance and need a high level of user-friendliness. Others are accustomed to using software accessed on a computer, but are less familiar with mobile apps, possibly requiring an interface similar to the company's primary website.

Privacy is Always Essential

Regardless of whether patients must use login credentials to access the app's information or not, apps that deal with insurance or health information need to conform to privacy standards. Examples of these standards include the United States' HIPAA, Canada's PIPEDA, and the European Union's Data Protection Directive and e-Privacy Directive. Conformity to these standards protects patients' data and also helps avoid potential legal issues. A significant concern for many people using apps is the trouble hackers can cause because of data breaches. Encryption makes a substantial difference in the integrity of user data. Two-step authentication and similar features can help keep the app's data secure and provide the reassurance that users need.

How General Products Make a Difference

One of the best tools that developers have at their disposal is the ability to design a general framework for an app that is easy to customize for different purposes. For example, an app that includes information on conditions, scheduling features, test results, and other features would consume a lot of data. Too many features on the same app would likely make it frustrating to use. A company that offers several apps built on the basic foundation can reach more of its customers in a more meaningful, useful way. There is also less time required for the overall development when the apps share a common foundation. The result will usually be the ability to roll out new apps more often.

Helping Patients Reduce Costs When Possible

One of the advantages that an insurance company-based app can offer is access to healthcare professionals based on their network status. Although many patients have a need that is too urgent for much research to be done on the cost, others prefer to find out how much procedures cost before finding a provider. In-network providers can often offer lower prices due to their contracts with insurance companies. When patients can do comparison-shopping for better rates on procedures, they are more likely to stay on top of their health. The use of apps is one way for patients to fully take charge of their health. When patients can do more of their own initiative to take charge of their health, they will have fuller, happier lives.

Reducing Overall Paperwork Required

One widespread concern among patients is how much paperwork they require when going to new doctors or having a procedure. Developing a health insurance app helps eliminate this concern by allowing medical orders and other information to be shared electronically. When the app features robust security, users can have more assurance that their critical data is safe. Reducing paperwork is not only convenient but also helps companies reach their goals of being more environmentally-responsible. Companies across many industries have taken the lead in reducing their carbon usage by tasks such as reducing paper usage. Shifting to a policy of reduced paper usage helps companies become more socially responsible.

Better Tools for Policy Selection

Purchasing insurance can be a confusing process for many people, especially those transitioning from family or employer-provided coverage. One of the functions that these apps can fulfill is helping patients make better choices about buying insurance. Buying policies that provide too much or too little coverage is a common mistake that patients make without detailed information.

There are many features that should be a part of health insurance mobile apps, ranging from user-friendly features to tools that make it easier to compare costs. All of these types of features can make health insurance apps work more effectively.

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