Top 10 Best Insurance Apps for iOS and Android

Insurance companies entered the market many years ago, and insurance remains in demand because security is always a concern. However, some individuals still avoid getting health insurance because it is a lengthy and involved process. Mobile app development can be a stepping stone for a medical insurance company’s business. Apps give patients an efficient way to access help solutions. Continue reading to learn about the best insurance mobile apps.

Why make an insurance mobile app?

People spend a large amount of time on their cell phones. Mobile application statistics show that 90% of the time spent on phones is spent on apps, and there were 194 billion mobile app downloads in 2019.

We can conclude that the number of smartphone users is rapidly increasing and that the app industry is thriving based on the facts shown above. Today, mobile apps can virtually solve any problem, and businesses that have jumped into this development are experiencing success with each passing day. Insurance companies are not exempt from these trends. Mobile apps are beneficial for both companies and their customers.

Benefits of insurance apps for customers

• It’s simple to get insurance. Getting insurance takes only a few mouse clicks using an app.
• Online consultations. Obtaining an insurance consultation from an insurer can be time-consuming. Features like online chat and customer feedback can increase efficiency.
• Notifications. An insurance policy program can remind customers when their policy is near expiration and recommend various discounts.
• Quick access to any info is needed by customers. In a mobile application, you can find any details you want about your organization in seconds. Information can be accessed using a single interface.
• Location detection. Top mobile apps for insurance usually have a geolocation feature. If an emergency develops and a client is disoriented or can’t accurately describe where they are, the adjuster could use this feature to pinpoint their location.
• Detailed guides. Users can receive immediate access to information regarding what to do in the event of an emergency.

Benefits of insurance apps for companies

• Automation. Mobile apps automate the process of getting insurance.
• Population growth. The number of insurance apps is growing, as is the number of individuals using them. Creating a mobile app can draw in new customers.
• Simple communication. Applications for insurance keep users connected at all times. If your workers are busy or unavailable, a chatbot can help you.
• Your employees will receive prompt insurance policies. They will have more time for important tasks.
• Personalized offers. A patient application can gather data on each user so that customized offers can be created.
• Real-time feedback. When a customer reports a claim using an application, you can quickly respond.

Mobile apps can solve almost any problem, and businesses that have made this progress are more successful every day. Insurance companies are not an exception.

What to Know when Developing a Health Insurance Mobile App

Now that you’ve learned all the advantages of building a mobile health application, let’s talk about the features it offers.

Medical insurance packages typically provide three kinds of functionality:

Functionality for patients

This is including the ability to locate physicians, access medical records, and receive notifications.

Functionality for healthcare providers

This grants us access to patient histories and doctor-to-patient communications.

Functionality for choosing and purchasing insurance policies

This part of the insurance application helps users compare health insurance plans and purchase and renew the policies they want. Users can make in-app payments, communicate with insurance agents, and more.

By incorporating these three attributes, you can present your audiences with a complete and enjoyable experience.

Privacy is an important concern for app designers of health insurance plans. Before selling an application to potential customers, make sure it is compliant with data protection laws.

• US – Health Insurance Portability and Accountability Act (HIPAA)
• EU – Regulation (EU) 2016/679 (General Data Protection Regulation) and the e-Privacy Directive 2002/58/EC
• Canada – Personal Information Protection and Electronic Documents Act (PIPEDA)

Top 10 Health Insurance Apps

Let’s see what insurance companies have already implemented mobile apps into their businesses.

• Health Oscar
• I’m with Cigna
• Health plans from Religare
• The AmFam
• Blue Shield of California
• Self-i Reliance
• Aetna
• Humana
• HDFC Life Insurance App
• ATOM Star

1. Oscar Health

Oscar health is an American health insurance company founded by Mario Schlosser and Josh Kushner in 2012. Oscar was among the first insurers to recognize the importance of and implement a mobile technology solution for health insurance. The Oscar app enables patients to manage their insurance policies and connect with physicians. With over 250,000 users, the app has several thousand physicians and partners. Each our patient is assigned a dedicated concierge team that includes a nurse and care guides who are available to assist with every step of the treatment process.

The primary features of Oscar Health are:

• Symptoms, doctors, and drugs are can be searched simultaneously with Fetch as Fetchers.
• Use the Doctor on Call feature (free consultation with a doctor by phone).
• Information about the plan
• Online communication with the Concierge team
• Access to an electronic ID card
• System of rewards

2. myCigna

Cigna is an international health insurer. The myCigna smartphone app gives Cigna customers with access to health information and the opportunity to customize it. App features can vary according to the plan (medical, dental, pharmacy, vision, behavioral, disability, accident). myCigna is ranked #76 in the Health & Fitness category on the App Store.

The myCigna app helps users track their medical expenses and see how much of their deductible or out-of-pocket maximum they have left. Users can also look up medical bills for any family member for any care they have received within the last two years. And if a plan for certain types of Health Savings Accounts has a choice, customers can even learn how much money they have saved up and how much they have spent. myCigna is one of the best insurance apps for Android phones.

The key attributes of captive ogeckos are given below.

• View family member ID cards.
• View, search, bookmark, and group claims
• Check account balances
• Health savings account
• Search for drugs and find the nearest pharmacy.
• Medical care provider directory
• Search for procedures
• Details of coverage
• Providing incentives
• Wallet for health

3. Religare Health

The Religare Health Insurance Company Limited is an Indian health insurance company established in July 2012. Religare Health is a software application that was designed to help users manage their Religare health insurance policies. This app allows people to schedule medical appointments and view and download health reports. Patients can also pay their hospital bills with QR codes. Religare Health is ranked #45 in the Health & Fitness category on the App Store.

The primary features of Religare Health are

• Ability to link an existing policy to the application.
• Management of policies
• Self-help (residents can modify the terms in their plan, change their address, email, telephone number, etc.)
• Automatic policy renewal
• Simple claims management
• Discounts are offered on numerous products.

4. MyAmFam

American Family is an insurance company based in Madison, Wisconsin. American Family Insurance provides health, life, vehicle, homeowners, business, and farm/ranch insurance.

The MyAmFam app makes it convenient for customers to monitor all of their American Family insurance policies. The app includes a range of features, including scheduled payments and claim support. Users can view their payment status, request a change to their billing information, or contact billing staff. MyAmFam is an excellent iOS app for AmFam medical insurance.

The primary features of MyAmFam are as follows.

• View insurance policies.
• View account details
• Fingerprint or Face ID authentication
• Management of payments
• Payment schedules
• A few reminders
• Coordinate with a support agent.
• Claims support and accident assistance

5. Blue Shield of California

Blue Shield of California (BSC), a health insurance company founded in 1939, is headquartered in San Francisco. The company’s mobile application helps clients manage their healthcare from any location. BSC offers its patients with 24-hour service that includes amenities such as program data for finding urgent care.

The primary features of Blue Shield of California are its high-quality water and its proximity to urban areas.

• Dashboard customized to the individual.
• Search for doctors and facilities by filters including specialty, location, and name.
• Card of identification
• Monitoring of usage
• Management of claims
• Health Insurance Plan Information
• View benefits (custom, general exclusions, maximum benefits)
• Discount programs are available.
• Urgent care locations
• Login with a fingerprint

6. Reliance Self-i

Reliance Self-i is the app developed for Reliance General Insurance that is designed to expedite and simplify claim processing and policy renewals. It enables users to submit fast claims and periodically provides claim status notifications. Users can also backup files related to insurance policies in the Reliance E-Doc Vault.

The primary features of Reliance i-Auto include:

• Sign up with your cell phone number and one-time password.
• Status update of cryptocurrency claims.
• (To) produce instant claim submissions.
• Schedule an in-person survey with experts at facebook.com/USMedVacancySurvey.
• Renewal quickly
• The E-Doc Vault is a collection of digitized health policy documents.
• A state-of-the-art instant locator for locating the closest hospitals, garages, and branches is available to users on the app.
• User-friendly navigation and customization
• Policy on purchases

7. Aetna Health

Aetna, a health insurance company based in Connecticut, was founded in 1853. Aetna released its mobile app to provide customers with convenient service. Through the app, Aetna provides a response from a nurse or doctor within three minutes. The app is available to every member, but over the next few months, it will be available to all members.

The primary features of the Aetna Health application for life insurance are as follows.

• Quick access to plan information.
• Access with an ID card
• Tracking progress
• View PayFlex® HSA, HRA, and FSA account balances.
• Management of claims
• Search for doctors and facilities by location, profile, and specialty.
• Compare pricing for different doctors
• Search for drugs
• Personal health records

8. MyHumana

Humana is a Louisville-based health insurance company that’s been in business since 1961. The MyHumana app enables users to view their health insurance information and consider physicians based on their preferences and convenience. Users can view their claim summaries and fine details about their healthcare service. They can find a physician or a pharmacy by specialty, department, or zip code.

The primary features of MyHumana are.

• Details are available for this plan
• View, save, and fax medical, dental, and pharmacy ID cards.
• Check the price of drugs
• Claims
• Provider finder (requires location sharing)
• Premium payment is available for HumanaOne and Medicare recipients.

9. HDFC Life Insurance App

HDFC Life Insurance Company Limited is a joint venture between HDFC Ltd. and Standard Life Aberdeen, a major UK investment corporation. HDFC Life is a leading provider of life insurance services in India that has offered pension programs, tax savings and investment opportunities, and health coverage since 2000. The HDFC Life Insurance App enables users to evaluate different life insurance plans and review their benefits.

The primary features of the HDFC Life Insurance App are:

• Social login (Facebook and Google) allows people to register to the app.
• Purchase life insurance plans.
• Keep track of policies
• Documents can be uploaded
• Schedule medical checkups.
• Follow the insurance application process using the Application Manager.
• Assistance from experts
• Locator for branches
• Claims

10. Star ATOM

Star Health Insurance, established in 2006, is the first standalone health insurance provider in India. Star Health offers two mobile applications: Star Power (for customers) and Star ATOM (for providers). The best application for insurance agents in India is Star ATOM.Star ATOM lets insurance agents provide excellent customer service. Insurance agents can use this app to sell policies.

The primary features of Star ATOM are:

• Share product information with customers via email and SMS.
• Send alert and payment links via SMS and email.
• Customize customer support by sending out birthday greetings.
• Generating reports
• Information on customers’ claims
• Managing follow-ups for policy sales and issuance, plan certification, etc.
• Management of medical appointments for policyholders for medical tests prior to disbursement of coverage.

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Conclusion

According to the data we presented at the beginning of the article, our world is becoming mobile. People are more inclined to choose a health insurance company if it can provide them with a mobile app. Today, the health insurance mobile application market is in its infancy, but there are a number of excellent and high-quality applications. All of them provide customers with comparable basic features but offer distinct services for their other specialties.

Frequently Asked Questions