"We've been running on annual checkup snapshots for decades. HaloGuard gave us a continuous signal we didn't know we were missing — our risk models are fundamentally better now."
Insurance Risk Intelligence
Health Intelligence for Insurance
Continuous biometric monitoring for risk stratification, claim prevention, and member health.
1 day
Annual checkup data
364 days
Physiological blind spot
$3.1T+
Preventable chronic disease costs (CDC, 2022)
About HaloGuard
Continuous Health Intelligence —
Continuous Health Intelligence —
Designed for Insurance
Your risk model runs on a single day of data. Risk accumulates across the other 364. HaloGuard replaces the annual snapshot with 365-day biometric trend monitoring — giving insurers a continuous physiological signal for smarter underwriting, proactive intervention, and healthier members.
Works with your existing devices
Apple Watch
Garmin
WHOOP
Oura
Polar
Samsung
+ more
Key Features
The Signals That Predict What Claims Data Can't
01
Portfolio Risk Intelligence
Population-level risk heat maps, anonymized cohort analytics, and claims season forecasting — all from continuous biometric signals.
02
Composite Halo Score
AI-driven composite combining all biometrics into a single, trended risk indicator — updated daily for every member.
03
Catch the Signal Before the Claim
HaloGuard detects gradual physiological decline months before symptoms appear. Pre-detection window = intervention window.
04
Wellness Program ROI — Measured Objectively
Traditional programs measure enrollment, not physiological change. HaloGuard measures whether HRV improved, whether sleep quality increased — objective proof of effectiveness.
How It Works
From Wearable Data to Actionable Intelligence
Wearable Data
→
HaloGuard AI Engine
→
Risk Intelligence
Connect
Wearable Integration
Members connect their existing wearable devices — Apple Watch, Garmin, WHOOP, Oura, Polar, Samsung, and all major IoT health devices. No custom hardware needed.
Analyze
HaloGuard AI Engine
Continuous analysis of HRV, resting heart rate, sleep architecture, activity load, and skin temperature — combined into a daily composite Halo Score for every member.
Act
Dual Intelligence Portals
Insurer Portal: portfolio risk maps, cohort analytics, claims forecasting. Member Portal: personal Halo Score, wellness progress, transparent data controls. Two portals, one intelligence layer.
Trust & Privacy
Trust by Design. Compliance by Architecture.
GDPR
KVKK
HL7 FHIR
OPT-IN ONLY
Core Principle
Opt-In Only
Voluntary participation. No forced monitoring. Members choose what to share and can revoke access at any time.
Data Architecture
Data Minimization
Insurers see anonymized risk scores, not raw biometric data. Individual data requires explicit member consent.
Regulatory
GDPR / KVKK Compliant
Explicit consent, purpose limitation, data retention limits, right to deletion. Built for the strictest privacy frameworks.
Interoperability
HL7 FHIR Standards
International health data interoperability. EHR integration ready for Epic, Cerner, and all major health systems.
Member Protection
No Negative Consequences
Wearable data cannot be used for coverage denial or premium increases. Positive incentives only. Ever.
Access Control
Role-Based Access
Every profile sees only what their function requires. Actuarial ≠ Clinical ≠ Member view.
Testimonials
What Insurance Leaders Say
"The wellness ROI measurement alone justified the pilot. For the first time, we can prove our wellness programs actually improve biometric outcomes — not just enrollment numbers."
"Members love the transparency. They see their own Halo Score, they control what's shared, and they earn premium discounts for staying healthy. It's a genuine win-win."
FAQ
Frequently Asked Questions
HaloGuard connects via standard APIs and HL7 FHIR protocols. We integrate with your existing claims management, actuarial modeling, and member management platforms. Typical integration takes 2–4 weeks with dedicated technical support.
We support all major consumer wearables: Apple Watch, Garmin, WHOOP, Oura, Polar, Samsung Galaxy Watch, Fitbit, and more. Members use their existing devices — no custom hardware purchase required.
Privacy is foundational to HaloGuard. All participation is opt-in only. Insurers see anonymized risk scores, never raw biometric data. We're fully GDPR and KVKK compliant with explicit consent, data minimization, and right-to-deletion built in. Wearable data can never be used for coverage denial or premium increases.
The Halo Score is an AI-driven composite that combines HRV trends, resting heart rate, sleep quality, activity levels, and skin temperature into a single, daily-updated risk indicator. It gives actuaries a continuous signal instead of a once-a-year snapshot.
Absolutely not. HaloGuard operates on a positive-incentive-only model. Members who share data and maintain healthy biometric trends earn premium discounts and wellness rewards. Data is never used to deny coverage or increase premiums.
Let's Build the Next Generation of Health Insurance — Together.
Continuous biometric monitoring for smarter underwriting, proactive intervention, and healthier members.