PROHEALTHINSURANCE.CA: Income Insurance – Accident

The Income Insurance – accident developed by Humania Assurance is a game changing innovation because it had fulfilled critical unmet wishes that brokers had about Disability Insurance: a Disability Insurance with no medical exam, with only one health question and issued online in minutes! By responding to these very important issues for the industry, Humania Assurance has made Income Insurance truly accessible to all Canadians.

A game changing innovation in Disability Insurance in Canada

The first major point of this game changing innovation relates to the user experience. Selling into the actual economic context require innovation and transformation of sales processes. Humania Assurance used Design thinking to provide digital, customer-centric innovation. Tanks to Design Thinking we made human sense to a digital innovation. We approached challenges in ways that best suit human as well as business needs. A conformist or linear approach was no longer able to grapple with the newly complex and sensitive needs of our brokers and their clients. In the context of a global pandemic with all project stakeholders working remotely, we successfully marketed a game changing innovation in Disability Insurance with no medical exam, with only one health question, and issued online in minutes which abolished the face to face. This performance has once again revolutionized the world of Life and Health Insurance in Canada.

An Income Insurance no matter the occupation

The second major point of this innovation is the management of the risk. To date, no Canadian insurer has been able to significantly transform the Disability Insurance market in the country. Traditional products contain many restrictions and exclusions related to employment. Humania Assurance has succeeded in transforming the way risk is managed. No matter the occupation, clients can be insured with only ONE health question. This is a major innovation in Canada.