FROM BEHAVIOUR CHANGE TO BUSINESS VALUE
Small changes.
Meaningful potential.
Explore how the right offer could help members make lasting changes—and create value for an insurer.
Choose an offer. Follow two possible futures. See what could grow the upside.
Member benefit.
Business opportunity.
One connected story.
Continue with your access code
Use the same code as the AI explorer.
Loading the worked examples…
Synthetic members and editable teaching assumptions. Potential value, not an insurer forecast. The research informs the approach; it does not validate these example figures.
01 / THE OPPORTUNITY
A suitable offer, for the right people.
02 / TWO POSSIBLE FUTURES
See the additional, lasting change.
Both futures use the same offered members and observation window. The no-offer path is an assumption-based comparison, not a measured control group.
03 / THE BUSINESS OPPORTUNITY
Follow the potential value.
Open the calculation and cost breakdown
04 / COMPARE APPROACHES
Where does better targeting add value?
Compare a broad offer, segment targeting and matching offers to the three fictional member types. Each approach uses the same eligible population, reach limit, budget, time horizon, offer menu and cost assumptions.
This is a transparent allocation illustration, not a validated personalisation model. Matching chooses the highest expected net-value offer for each synthetic type; allocation uses net value per delivery dollar. Lower-cost broad offers can win. Unspent budget stays visible.
05 / GROW THE UPSIDE
What could make the biggest difference?
Make a prediction, then explore four small changes. Each is tested on its own against your current scenario, within the same budget.
MAKE THE EXAMPLE YOUR OWN
Open the assumptions.
All numeric defaults below are synthetic teaching inputs. Change one to see the effect. Values marked “not estimated” stay unestimated rather than becoming zero.
Behaviour, clinical pathway and timing
Insurance exposure and retention
Offer costs and reward economics
HKD. Costs are for one offer cycle. Ongoing benefits require the selected risk-duration assumption; no repeated free offers are assumed. Reward face value and the insurer-funded cost are separate.
Methods, limits and provenance
06 / THE THINKING BEHIND IT
Evidence you can explore.
Research informs the questions and mechanisms. The example assumptions remain separate from the study findings.