# Watch Your Health

> Driving insurance persistency through health\-based rewards

## At a glance

| Field | Value |
| --- | --- |
| Category | Customer Engagement |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Thane, Maharashtra, India |
| Founded | 2015 |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Series A (USD 7.39M total) |

## Overview

Watch Your Health is a B2B2C customer engagement platform for life and health insurance carriers that uses health-based rewards to improve policyholder retention. Founded in 2015 and headquartered in Thane, Maharashtra, India, the company works with insurers, pharmaceutical firms, and healthcare networks across India and the UAE to connect wellness activity with policy renewal outcomes.

The platform is deployed as a white-labeled mobile application that insurers offer to their policyholders. It tracks health metrics, manages personalized wellness programs, and operates a rewards engine that grants policyholders incentives -- up to 20% of premium value -- for meeting health milestones. The underlying analytics layer uses AI and deep learning models to generate health scores, issue personalized recommendations, and surface actionable insights for both policyholders and their insurers. The company has built a network of over 3,300 partner pathology labs across India to support in-platform health check-up bookings.

Watch Your Health raised USD 5M in a Series A round in July 2024 from Cornerstone Ventures (India) and Conquest Global (Singapore), bringing total funding to USD 7.39M. Reported outcomes across its insurance partnerships include a 20% improvement in persistency ratios, a 21% increase in policyholder engagement, and a 10% reduction in claims ratios.

## Products & services

### Health Engagement Platform

White-labeled mobile application for insurance policyholders that integrates health tracking, personalized wellness recommendations, rewards management, and pathology lab booking.

**Key features:**

- Gamified rewards engine granting up to 20% of premium value for wellness milestones
- Annual health check\-up booking through a network of 3,300\+ partner labs across India
- Personalized dietary, exercise, and lifestyle recommendations driven by behavioral pattern recognition
- Chronic disease management programs and post\-discharge care services

*Target users:* Life and health insurance carriers and TPAs deploying policyholder engagement tools

### AI Health Score \(FaceScan\)

Contactless facial analysis tool that derives anonymized health indicators from a smartphone camera. Priced at approximately USD 0.12 per scan for volume use cases.

**Key features:**

- Measures 35\+ vital signs including blood pressure, heart rate, respiration rate, SpO2, and stress index
- Generates a CIBIL\-style wellness quotient score for standardized health benchmarking
- Supports population\-level health intelligence for insurance analytics

*Target users:* Insurance carriers and health platforms seeking non\-invasive health assessment tools

### Remote Vital Monitoring

Mobile-based physiological monitoring using TensorFlow deep learning models to extract real-time health data without wearable hardware.

**Key features:**

- Tracks step counts, sleep, heart rate, SpO2, and stress via smartphone
- Supports both wearable and non\-wearable data inputs
- Postural monitoring and movement detection included

*Target users:* Carriers and wellness programs requiring continuous policyholder health tracking

### AI Smart Reports and Predictive Analysis

Analytics layer that processes policyholder health data and generates individualized insights and risk indicators.

**Key features:**

- Skin analysis, cough analysis, voice analysis, and eye scan assessments
- Oral health, hair, and joint/spine assessments via smartphone camera
- X\-ray reading support for second\-opinion detection of abnormalities

*Target users:* Insurance carriers and healthcare networks requiring AI\-assisted health screening

### Disease Management and Wellness Programs

Structured programs for chronic disease prevention, reversal, and management, delivered through partner healthcare networks.

**Key features:**

- Partnerships with cardiac care hospitals for condition\-specific programs
- OPD tie\-ups and doctor consultation access
- Virtual health coach, symptom checker, and mental health chatbot
- Medication reminders, hydration tracking, and seasonal health alerts

*Target users:* Life and health carriers supporting high\-risk policyholder cohorts

## Category & focus

- Subcategories: Policyholder Engagement, Digital Health & Wellness, Insurance Persistency
- Insurance verticals: Life & Annuity, Health, Group Benefits
- Target customers: Carriers, TPAs

## Notable customers

- Manipal Cigna \(insurance\)
- ICICI Lombard \(insurance\)
- Kotak Life \(insurance\)
- Reliance General Insurance \(insurance\)
- United Healthcare India \(insurance\)
- Watania Takaful \-\- UAE \(insurance\)
- Dr\. Lal PathLabs \(healthcare\)
- Madhavbaug Cardiac Care Hospitals \(healthcare\)
- Zydus Cadila \(pharmaceuticals\)
- Glenmark Pharmaceuticals \(pharmaceuticals\)
- RenewBuy \(distribution\)

## Links

- Website: <https://www.watchyourhealth.com/>
- Directory profile: <https://insurtechlist.com/companies/watch-your-health/>
- Team: <https://www.watchyourhealth.com/our-team.php>
- Contact: <https://www.watchyourhealth.com/contact_us.php>
- Linkedin: <https://in.linkedin.com/company/watch-your-health>
- Press/news: <https://yourstory.com/2024/07/funding-healthtech-platform-watch-your-health>

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*Last updated: 2026\-05\-18*