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Global reinsurer, Gen Re, published a study validating the value of PAI Health’s metrics to traditional life insurance underwriting.Read article

Solutions for life and health insurance

Engage members and tackle inactivity — a leading lifestyle risk factor.

Differentiate, drive sales and reduce costs through a personalized and scientific wellness solution

Deeper digital engagement

PAI offers a personalized and prescriptive health score that keeps users engaged, research tests showed that 80% of consumers said they would be more likely to use their app if it included PAI features.

Customer engagement

PAI metrics are predictive mortality biomarkers validated by actuarial analysis for supplemental and accelerated underwriting. Maintaining a PAI Score of 100 or more is associated with an average of 25% lower risk of CVD mortality

More personalized pricing and rewards

The PAI Score is an inclusive index validated across risk profiles, genders, and age cohorts, and gives credit for any type of physical activity that elevates heart rate.

Better health outcomes

PAI uses behavior change science to help people improve activity habits. Data shows that users increase activity levels by an average of 25% after 30 days of using the PAI app. PAI focuses on activity that drives improvements in cardiorespiratory fitness, one of the leading predictors of health and longevity.

We offer flexible solutions to suit your business needs

Off the shelf
Turnkey app and mobile dashboard

API integration
Integrate PAI into your member app

Platform solution
Leverage our partnership with best-in-class engagement platforms: Sureify or Tictrac

PAI Health app
Turnkey app and mobile dashboard

API integration
Integrate PAI into your member app

Platform solution
Leverage our partnership with best-in-class engagement platforms: Sureify or Tictrac

Off the shelf
Turnkey app and mobile dashboard

API integration
Integrate PAI into your member app

Platform solution
Leverage our partnership with best-in-class engagement platforms: Sureify or Tictrac

See our solutions

Validated by actuarial analysis

In a broad study conducted by Gen Re, a global re-insurer, data analysis covering 208,428 person-years determined that the PAI Health’s proprietary physical activity metric and cardiorespiratory fitness data provides supplemental value to life insurance underwriting decisions above and beyond traditional underwriting factors.

  • PAI Health metrics correlate with mortality.
  • PAI Health metrics assess mortality risk independently of traditional underwriting factors.
  • One-time assessment of eCRF or PAI Score predicts mortality risk for many years.
  • PAI Score can differentiate among the non-smoking risks better than step count.
Read full whitepaper

A science-backed solution trusted by insurers

Leading international insurance companies have chosen to work with PAI Health's unique, science-backed solutions to engage members and motivate them towards better health.

The analysis and direct feedback from users revealed that PAI was among the most popular aspects of the service: driving motivation for a more active life and improving customer engagement.

Jørgen Taalesen
Head of Business and Service Development
Accident & Health
Gjensidige
Read case study

We meet many insuretech companies with promising ideas, but PAI Health stood out from the start due to the scientific rigour behind their solution. We have no doubt about the value of PAI for the insurance community and helping consumers lead longer, healthier lives.

Winfried Heinen
Former Head of Life and Health International, Gen Re
Read case study

A science-backed solution trusted by insurers

Leading international insurance companies have chosen to work with PAI Health's unique, science-backed solutions to engage members and motivate them towards better health.

How PAI gets people on the right path to better cardiorespiratory fitness

The PAI Health app shows people the heart health impact from physical activity — through PAI points earned from activities and their overall PAI Score.

The app guides people with goals, showing them what they need to do to improve their cardiorespiratory fitness, expressed as ‘Fitness Age’, which keeps people motivated when they can see their progress.

Learn about cardiorespiratory fitness

PAI Score:
Shows people the heart health impact of their physical activity.

100 PAI:
Good CRF and maximum health protection

Fitness Age:
Translates CRF to a relatable figure and guides people to improvement with goals and progress trends.

Fitness Age trend:
Health improvement projection based on activity level.

PAI Score:
Shows people the heart health impact of their physical activity.

100 PAI:
Good CRF and maximum health protection

Fitness Age:
Translates CRF to a relatable figure and guides people to improvement with goals and progress trends.

Fitness Age trend:
Health improvement projection based on activity level.

Corporate pilot case study

High retention and engagement equals meaningful change

A global corporate pilot ran for 16 weeks with 518 participants. There was a 71% retention rate and an average improvement of Fitness Age by 5 years. This is a compelling outcome given the pilot spanned the peak of COVID-19 with no added incentives.

What users are saying:

90%
Gave me satisfaction earning PAI.
74.5%
Showed me the health value of my physical activity.
85%
Increased my understanding about the value of high intensity exercise.

Increase in activity drives improvements in cardiorespiratory fitness in as little as 16 weeks

As featured in Insurtech Canada

Sally Powell, General Manager of PAI Health, and John Harvey, founder of Insurtech Canada, discuss the value PAI brings to the future of insurance.

Listen to podcast interview

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