Hello Marta, you work for DKV Seguros in Barcelona. What are you responsible for?
I work in the Strategy, Transformation and Technology Division as an environmental transformation technician to help evolve our services, considering the environmental context. Environmentally related diseases are on the rise and place a heavy burden on the healthcare system. We are developing innovation opportunities that respond to this. In doing so, we strengthen our healthcare business and fulfil the changing needs of the insured.
Can you please give an example?
In 2022, we selected those exposome territories (the environmental influences you are exposed to throughout your life) in which we can offer our customers concrete solutions. Adding the planetary health perspective, it was a complex process that was both scientifically and commercially sound. To give one example: a recent study shows that reducing air pollution to the level of the least polluted 25 percent of places in Belgium would have saved €43 million a year in doctor visits and hospitalizations.
As a health insurer, it would be unrealistic to believe that we can change air pollution in Spanish cities. But we can help improve the quality of indoor air of our insured, which has an impact on their health and well-being.
We have therefore, selected several exposome territories – such as indoor pollution or nature exposure – around which develop services and solutions to help promote the health of our customers. Next to traditional environmental concerns, it has business sense: to (1) help commercial differentiation among health insurance commoditized market and to (2) help contain the claims ratio in our portfolio through environmental health promotion solutions.
How did you get the idea for Nature Dose? What inspired you?
At some point, we have all experienced that spending time in nature “felt good”. But also, because of my training as environment scientist, I knew that it has long been scientifically proven that contact with nature has positive physical effects. It's estimated that up to 43,000 deaths a year could be prevented if European cities followed WHO recommendations on access to green spaces. Spending time in nature affects our health, wellbeing and quality of life. The effects range from a lower blood pressure and reduced stress levels to a stronger immune system. It can reduce anxiety and insomnia, improve cognitive performance, lead to less obesity and reduce cardiovascular disease. Green spaces are also associated with metabolic benefits, among other physiological and psychological benefits.
But next to my expertise in environment and health, I constantly work with innovation, IT, design, and digital health colleagues at DKV Seguros and learn about health apps, personalized data, behavioral science… That’s how I connected the dots! I strongly believe that the best ideas are at the boundaries between disciplines and collective intelligence is key for success. The team developing Nature Dose is a perfect example of humble collaboration capable of creating synergies between departments, a startup and a scientific research center with a small budget.