Insurance
Better MSK care - fewer claims
Private Medical Insurance (PMI), Income Protection (IP) & Critical Illness.
DigitalMSK offers a safe value-add service, amid rising MSK utilisation and increased claim volumes.
Private Medical Insurance (PMI)
Competition to provide “added value benefits” services of real relevance - 24hr GP is most popular with customer
Rising Claimants
A dramatic increase in claims for individual and workplace health schemes.
Rising Premiums
Employers seeing 20-70% premium increases, driven by higher claims volumes and costs.
Severe shortage of experienced claims assessors
Rapid growth in claims is placing operational pressure on insurers and providers
Income Protection (IP)
Insurers are actively moving towards early intervention models
MSK conditions such as neck and back pain are the leading cause of income protection claims, yet providers have traditionally focused on financial support after someone becomes unable to work.
Insurers are increasingly offering early intervention support before formal claims occur, to improve return-to-work outcomes.
97.9% of IP claims were paid (2024)
Early management means
Policyholder Win, Employer Win, Insurer Win
DigitalMSK helps shift the model towards early self-management, triage, and recovery support before absence escalates into prolonged disability.
This create value for:
the policyholder
the employer
and the insurer simultaneously
The evidence is overwhelming
An analysis of around 16,000 cases found nearly 9 in 10 (86%) people remained in the workforce following access to rehab services through insurance.
Critical Health
Moving beyond protection towards more dynamic, customised, and responsive services
Today’s policyholders expect more than financial payout alone. The want meaningful health support that helps them stay well for longer.
DigitalMSK enables Critical Illness providers to deliver a scalable added-value benefit through immediate access to clinically guided MSK assessment, triage, and self-management support.
DigitalMSK supports earlier intervention, aligned to the growing insurer focus on prevention, wellbeing, and customer engagement.
Leading providers are already evolving protection propositions to include wellbeing and early support services.
DigitalMSK enables insurers to support policyholders before health issues escalate to claim stage.
Nearly 9 in 10 people (86%) who accessed insurer provided vocational rehabilitation were successfully supported to stay in work or return to work following an absence.
Approximately 8 in 10 50+ year olds who used vocational rehabilitation services provided insurers for MSK (84%), mental health (82%), cardiovascular conditions (80%), and cancer (75%) were either supported to stay in work or return to work after an absence.
More than half of the customers (51%) who accessed rehabilitation services provided by insurers received support for mental health condition. Approximately 1 in 4 remained well enough to work (24%) and 2 in 3 (64%) were supported to return to work.
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