Livin Journey: Preventive Health & wellness Rewards Platform for Organizations Qorus-NTT DATA Innovation in Insurance Awards 2026

Livin: Preventive Health & Wellness Rewards Platform for Insurers and Organizations

1. Concept and Objectives

Livin is a preventive health and behavioral rewards platform designed specifically for insurers and organizations to promote risk reduction. The platform integrates digital health tracking, health and wellness assessments, personalized interventions, and incentive-based engagement into one ecosystem. Our solution is grounded in global research from the WHO, CDC, and leading behavioral science institutions.

Livin operates on a shared value model — members benefit through better health and rewards, employers benefit through engagement and productivity, and insurers benefit through reduced claims over time.

Its core objectives are:

• Help insurers and organizations improve population health through preventive care

• long-term health outcomes and claims reduction

• To improve member engagement and retention

• To encourage sustainable behavioral change through structured rewards

• To provide insurers with actionable data insights to manage portfolio risk

Livin operates through a multi-portal architecture (Admin, Interventionist, Employer), enabling full ecosystem integration between insurers, employers, and insured members.

2. Reasons Behind the Innovation

Traditional insurance models focus on treatment rather than prevention. Rising healthcare costs, chronic disease prevalence, and low member engagement are major challenges in the industry.

While healthcare costs are rising, and chronic diseases, especially diabetes, are accelerating rapidly, moving from a treatment-based system to a situation where prevention is no longer optional, it’s essential

Insurers often lack:

• Continuous health data visibility

• Behavioral engagement mechanisms

• Structured prevention models

• Health and well-being tools

Livin was developed to address these gaps by creating a preventive layer that actively influences member behavior rather than passively covering medical expenses.

3. State of Competition

While many wellness apps and health trackers exist, most:

• Operate independently from insurance systems

• Focus only on physical activity

• Lack structured risk scoring integration

• Do not align incentives with insurer cost reduction

Livin differentiates itself by:

• Being designed specifically for insurers and organizations

• Integrating health, mental, and financial resilience

• Linking behavioral incentives to measurable risk indicators

• Providing insurers with data-driven dashboards for strategic decision-making

It is not just a wellness app; it is a preventive insurance engagement infrastructure.

4. Sources of Inspiration

Livin was inspired by:

• Behavioral economics and reward-based engagement models

• Preventive healthcare frameworks

• The global shift toward value-based care

• The increasing demand for digital-first insurance ecosystems

The concept was also influenced by the need to support employers in improving workforce health while reducing long-term insurance costs.

5. Departments Involved

The development of Livin required cross-functional collaboration including:

• Medical & Clinical Advisory

• IT & System Architecture

• Mobile Application Development

• Marketing & Business Development

• Product Management

This integrated approach ensured the platform meets both healthcare and insurance operational standards.

6. Main Results So Far

• Successful development and deployment of a fully functional ecosystem

• Integration of physical, mental, and financial health scoring models

• Active onboarding of employer groups and insured members (~130+ k)

• Structured intervention programs with measurable behavioral tracking