Mohit Saini

National Health Insurance Company

Daman

Dispelling the Myth of Corporate Health and Wellness Programmes

Introducing Daman Our motivation to look into health and wellbeing of employees

Empowering our next generation

Daman Overview

Daman today is the leading health insurance company in the region with a clear focus on state of the art products and customer service

Key Facts

Initially set up to be wholly government owned in 2005. Ownership is now 80% by Abu Dhabi Government and 20% Munich Re.

Munich Re appointed as strategic partner responsible for the establishment and operation of Daman.

Specialized in health insurance with no other lines of business (e.g. life, property, etc.)

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2006 2007 2008 2009 2010 2011 2012 2013

1,294,000

724,000

433,000

2.5 million

________

Award Winning

Medical Insurer of the Year 2007, 6x in the years 2009 to 2014

Best Employee Benefit Provider 2012, 2013

Marketing Campaign Award 2013

What is Wellness?

What is wellness?

Wellness means freedom from disease

The quality or state of being in good health as a holistic pattern taking into account:

social,

occupational,

spiritual,

intellectual,

emotional, and

physical well-being.

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Why Corporate Health and Wellness programs?

More and more companies in the region are involved in offering some kind of Corporate Health and Wellness program (CHWP)

HR Managers have a valid reason to invest in a Corporate Health and Wellness program

Better performing employees

Lower absenteeism Lower the rate of growth of healthcare costs

Improved wellbeing and job satisfaction Increased retention rates

What is Corporate Health and Wellness program?

Healthy Lunch and Snacks

Gym memberships

Fitness class

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Yoga sessions

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Weekly Walking Club

Posters encouraging taking stairs

Participating in Annual Walking Event

Diabetes awareness campaign

Online health risk assessment

Preventive screenings

Financial incentive for reducing Cholesterol levels

Personalized coaching

Offering trackers

What is Corporate Health and Wellness program?

Myth 1: Select any one of these program to create your CHWP

Myth 1

Select any one of these program to create your CHWP

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Comprehensive solution, not based on one vendor/provider

MEASURE – GOAL – ACT – MEASURE – GOAL – ACT Dispensing healthy food during lunch will not improve everyone’s health

Myth 2: CHWP program will reduce my health insurance spending next year

Myth 4

CHWP program will reduce my health insurance spending next year

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Lower the rate of growth of healthcare costs Small percentage of health insurance claims constitute of lifestyle diseases, which can be directly impacted by CHWP Screening might increase the cost in first year

Myth 3: One program fits all employees

Myth 3

One CHWP fits all employees

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It varies from an employee to employee Age group, Gender, Nationality, Cultural habits Occupation type has an impact

Myth 4: CHWP is one-time initiative

Myth 2

CHWP is one-time initiative

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It’s a journey Journey towards healthy aging Unsuccessful One-time initiatives may discourage employees to participate in future

Myth 5: CHWP target high- and medium-risk people

Myth 5

CHWP targets high- and medium-risk people

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Risk profile changes over a period of time High risk will become normal or stay as is Normal risk may become high or low Low risk may become normal or high

Myth 6: All employees will participate

Myth 6

All employees will participate

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Low participation and dropout level needs to be managed well

There will be low participation There will be dropouts from the program

Our experience from our pilot programs

We have conducted pilots for CHWP with our employees and selected corporates

Gaining employee participation—a key ingredient to the success of any wellness program;

Justifying program costs by calculating the return on investment (ROI);

Helping employees recognize the health issues caused by being overweight and obese;

Combating the growing health care risk of smoking among today’s younger workers;

Maintaining program excitement and participation as senior executives and program administrators create a culture of health within an organization.

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Conclusion

HR Manager plays an active role in supporting employees in maintaining and improving their health; and thereby improve corporate health.

HR Manager need to introduce appropriate Corporate health and wellness program within their Employee Benefit programs.

Aim must to offer a complete solution to an employee instead of any one initiative

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Questions

Mohit Saini Acting Director Product and Business Development National Health Insurance Company - Daman P.O. Box 128888, Abu Dhabi, U.A.E. Direct: +971 2 614 9889 Fax: +971 2 614 9884 Email: mohit.saini@damanhealth.ae www.damanhealth.ae

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