1. © 2015 TM Forum | 1 V2013.5 V2.2 EHealth Collaborative Ecosystems Partnering to enable Care@Home and Wellbeing@Home

2. © 2015 TM Forum | 2 V2013.5 V2.2 Operators will play a role in Health System Transformation The high relevance of eHealth  Healthcare and Communications are converging  A myriad of new digital services are being made possible  Paradigm shift in healthcare:  From Centralized to Distributed care  Better care at lower cost  Lack of interoperability remains biggest issue  Costing US hospitals over $30 billion annually (West Health) Traditional healthcare system – Centralized Next Generation health system – Distributed Source: Tech Crunch, Dave Chase

3. © 2015 TM Forum | 3 V2013.5 V2.2 Health Care Topics Care at Home  Care@Home  End User Application – to place the order  Billing, Charging, Settlement  Partner Onboarding – agreements and content  Catalog driven operations for both service management and real time APIs  Service Orchestration to multiple partner-supplied offerings  Device independent data collection & processing  Authorizations  WellBeing@Home  Non-intrusive monitoring  Green Light, Yellow Light, Red Light Status  End User Application – to place the order  New device support – sleep monitor  Utilities play a role Aging and Loneliness at Home

4. © 2015 TM Forum | 4 V2013.5 V2.2 Case: Aging & loneliness at home linkAges TimeBank: Interchanging services in a connected community linkAges Connect: Monitoring & assessing passive signals at individual’s home Personal Profile: Enables tailored Experiences from TimeBank & List List: Crowd-sourced review of valuable resources available for elderly

5. © 2015 TM Forum | 5 V2013.5 V2.2 Case: Aging & loneliness at home This loneliness can be tracked in an non-intrusive way, using data collected from the elderly’s home such as electricity consumption patterns down to device level water consumption heating energy gas usage sensor-enabled usage measurements of beds and sitting furniture usage of health condition tracking devices (e.g. blood pressure) Analyzing this data to give insights about the elderly’s behavior patterns - and possible associated loneliness - and making it visible to caretakers and family members will allow to easily detect changes and take actions to raise the quality of life of the elderly electricity water heating energy gas sensors health devices & analytics Health Wellbeing Happiness

6. © 2015 TM Forum | 6 V2013.5 V2.2 High Level Value Propositions eHealth Business Context Patient Medical Device Supplier Communications Service Provider National Health Service Analytics Supplier Insurance Company Ecosystem Better Health Reduced Cost Better Aggregate Health Improved Revenue Family Piece of Mind

7. © 2015 TM Forum | 7 V2013.5 V2.2 Key Needs eHealth Business Context Family Medical Device Supplier Communications Service Provider National Health Service Analytics Supplier Insurance Company Ecosystem Simplicity Patient Monitoring Integration Support National Health Service Consumers and Enterprises Need an Integrating Framework to Meet Their Key Needs Key Business Scenarios are related to Creating, Maintaining and Using an Integrated Supplier Ecosystem Medical Devices Integration Environment Medical Services Analytics Services Health Data Piece of Mind Patient

8. © 2015 TM Forum | 8 V2013.5 V2.2 Products/Services Patient uses Device/App Medical Equipment Supplies Device Supplies App uses Smart Sensor Blood Pressure Monitoring Monitoring Glucose Monitoring ActivityMonitoringActivityMonitoring WeightMonitoringWeightMonitoring SleepMonitoringSleepMonitoring MessagingMessaging BillingBilling AuthenticationAuthentication Online Diary RemindersReminders NursingNursing EducationEducation uses supplies Medical Device Supplier Communications Service Provider AuthenticationAuthentication uses supplies uses supplies National Health Service Cloud Services ReportsReports AnalyticsAnalytics AlertsAlerts Analytics Supplier supplies uses provides uses Data Service uses supplies Medical Services supplies uses Insurance Company uses

9. © 2015 TM Forum | 9 V2013.5 V2.2 Value Map Patient request report pays usage BOBO Medical Device Supplier Communications Service Provider Value Chain (Use Case Perspective) buys Consent on Medical Info National Health Service Analytics Supplier provides cloud settles bills co-pay sells plan ships Lists device new device authenticates Insurance Company 5 5 5 4 6 order device 6 bills 6 5 5 pays co-pay 1 provides cloud 2 1 5 2 3 3 pays plan provides App 7 7 pays usage register device authenticated requests authenticates pays usage Value in Return Ecosystem Support register App user 8 8 5 9 4 4 pays usage 1 1 9 10 9 authenticated request medical info 11 request info 10 report req/resp 4 11 medical info session 11 request report 12 patient analysis session 12 6 Consent on Medical Info 12 10 9 collects data 14 managed service operations annual contract 9 measures 13 consultation services 13

10. © 2015 TM Forum | 10 V2013.5 V2.2 Charging and Settlement Patient Communications Service Provider invoices pays Device & data service One Time Charge & Monthly Usage Patient must have a device and a data plan so that the APP can be downloaded. CSP provides Patient with device (if needed) and there may be a one time charge for the device. CSP monitors usage and invoices monthly. Initial invoice may include the one-time charge for the device. Patient makes payment to the CSP. Products and Charges Price Issues Invoice Charged Party SettlementNotes Medical Device$25CSPPatient97% to Medical Device Supplier Co-Pay; CSP takes 3% for BOBO service Individual Patient Report10,000 for $50CSPNHSAuthentication Service Insurer Patient Analytics1000 for $50CSPInsurer95% to Analytics ProviderAuthentication Service (5%) plus Insurer Analytics session SMS Reminder Service10,000 for $300CSPInsurer APP and Medical Device Registration 5000 for $100CSPNHSAPP and Medical Device Registration Authentication Services10,000 for $50CSPNHSFor Patient and for NHS personnel Proxy Service10,000 for $30CSPNHSFor Patient access to NHS services APP Device$100 with 2yr contract CSPPatientIf Patient does not have device Data Service$30 per monthCSPPatientIf Patient does not have data plan

11. © 2015 TM Forum | 11 V2013.5 V2.2 Charging and Settlement Patient Medical Device Supplier Insurance Company pays provides device invoices pays Insurer Invoice and payment are OTT Invoice split is based on insurance coverage Communications Service Provider Analytics Supplier invoices pays provides patient report (authentication & analytics proxy) One Time Charge per event periodic settlement Insurance Company Events? BOBO charge periodic settlement Patient orders a set of Medical devices using the APP and the Medical Device Supplier ships the device(s) to the Patient. Medical Device Supplier Checks the Patient’s coverage Medical Device Supplier issues invoice to Patient’s Health Insurer for the covered portion Insurer pays covered portion to Medical Device Supplier Medical Device Supplier issues charging request to CSP for the Patient’s co-pay CSP invoices Patient (Billing on Behalf of) Patient pays CSP CSP settles payment with Medical Device Supplier Insurer accesses Medical Device monitoring records to monitor their covered Patient’s Health. CSP authenticates Insurer to access patient records. Usage fees apply. The Insurer also issues reminders to Patients via SMS and usage fees apply CSP collects usage information from SMS and authentication function. Authentication usage is used as a proxy for analytics usage ( session event is unit of usage) CSP invoices Insurer for the usage periodically Insurer pays CSP for usage CSP settles payments with the Analytics supplier periodically AuthenticationAuthentication invoices pays SMSSMS

12. © 2015 TM Forum | 12 V2013.5 V2.2 Charging and Settlement Analytics Supplier National Health Service CSP invoices pays analytics AuthenticationAuthentication invoices pays invoices pays NHS proxy service Charge per event annual contract (OTT) Register App & Medical Device invoices pays One Time Charge When the Patient receives their Medical Device, they use the APP to register the APP and the device. Registration enrolls the Patient in the analytics application and enables data collection from the device. API usage applies. The CSP provides authentication services for access to medical records for Patients and NHS personnel. API Usage applies. The CSP provides a proxy service for the APP to access NHS services, such as an on-line diary. API Usage applies. CSP monitors API usage for device and APP registration, authentication, and proxy service. CSP invoices NHS for the usage charges. NHS pays the CSP for these services. Analytics Supplier collects data from devices and stores the data to support reporting and Analytics for the NHS. We assume that this is a significant contract and that it is not based on usage, but rather negotiated as a fixed price annually.

13. © 2015 TM Forum | 13 V2013.5 V2.2 Ecosystem Provider Perspective Use Case Idea to OfferingOrder to Service Service Execution On-Board Partner On-Board Partner Service Set Up Product Area Develop APP Download & Register APP Order Equipment & Service Register Equipment Collect Device Measurements View Individual Report Notify Event Notify Patient to Medicate Analyze Public Health Information Usage to Payment Collect Usage, Rate, & Guide Generate Invoice Accept Payment Settle with Partners

14. © 2015 TM Forum | 14 V2013.5 V2.2 Partner PLM Use Cases for Product Creation eHealth Use Cases Partner: National Health Service Role: Enterprise UC1: On-Board Partner Partners: National Health Service Medical Device Supplier Analytics Supplier Role: Supplier UC1: On-Board Partner Products/Services: Medical Devices Monitoring Services Analytics Services Health Advise & Reporting Services UC2: On-Board Supplier Service Partner: National Health Service Role: Developer UC1: On-Board Partner CSP collects Operator and Partner services to form an Ecosystem for the Enterprise UC3: Set Up Product Area Developer selects products and services for use in the App and collects API information UC4: Develop App

15. © 2015 TM Forum | 15 V2013.5 V2.2 The intention for partner onboarding in the Digital Ecosystem is to have a lightweight approach similar to an end user signing on to terms and conditions for downloadable applications. Engaged Party  Suppliers - Services and/or content  Developers - APPs  Resellers - Service bundles  Enterprises  Define role  Review and sign Agreement  Enable Account for: - E- signatures - Billing, charging, settlements - Mapping of accounts to terms and conditions  Sign-on  Supply Services (APIs) via catalog management REST API  Enable terms and conditions Onboard Partner Partner Account Creation Onboard Partner Services Manage Account  API usage  SLA reporting  Settlement

16. © 2015 TM Forum | 16 V2013.5 V2.2 API Usage Catalog Order Manager Order Manager Verizon basen:register eHealth Catalog Verizon Order Manager Order Manager tmf:catalogManagement Billing & Charging Billing & Charging Ericsson Health Tracking Health Tracking Base n tmf:orderManagement Party Manager Party Manager Orange tmf:partyManagement tmf:billingManagement Catalog Order Manager Order Manager Ericsson Eric Johnson

17. © 2015 TM Forum | 17 V2013.5 V2.2 EASY PARTNER ONBOARDING REGISTER SIGN AGREEMENT ADD SERVICE SPECIFY APIS SET REVENUE

18. © 2015 TM Forum | 18 V2013.5 V2.2 Demo Starts 18

19. © 2015 TM Forum | 19 V2013.5 V2.2 Mash Up Offers The NHS has entered into a new partnership with Verizon. Clare is a developer at the NHS and is tasked with creating an end user patient application. The patient will download this application to their tablet. Clare is going to onboard NHS as partner to Verizon. She will be given access to the Verizon catalog for telco services and for ehealth product offerings. She browses the catalog information, selects the items she wants to utilize and makes her purchase. Now Clare has both her own components and the components she purchased from the catalogs at Verizon/Orange to create her application for her patient community. Online Diary Blood Pressure GlucoseGlucose ActivityActivity RemindersReminders NursingNursing WeightWeight SleepSleep Smart Sensor EducationEducation Cloud Storage MessagingMessaging BillingBilling Blood Pressure Monitoring Monitoring Glucose Monitoring ActivityMonitotingActivityMonitoting WeightMonitoringWeightMonitoring SleepMonitoringSleepMonitoring Cloud Storage MessagingMessaging BillingBilling AuthenticationAuthentication Verizon provides an onboarding system to allow many health care manufacturers to onboard their product offers. Verizon exposes product offers to organization such as NHS for their use in new innovative application development. Verizon provides cloud storage for collected data and messaging between patient and doctors. Orange provides authentication for home visits. The authentication service has dependencies on messaging. AuthenticationAuthentication Many health care device manufacturer's onboard their content to the Operator ecosystem. Health Care Product offers Health Care Partners Operator Product offers MedisanaMedisana FitbitFitbit NikeNike WithingsWithings XivelyXively Mobile Workforce Mgt Mobile MedisanaDevicesMedisanaDevices

20. © 2015 TM Forum | 20 V2013.5 V2.2 Eric Registers This is Eric, he is an elderly person living at home. Generally he is fine but he has to look after his blood pressure and regular medication. The Care@Home Offering provides a rich set of services that simplifies the diary keeping of measurements. It also offers reminders for medication. Eric picks and chooses the services that he feels being beneficial for him: Online diary for blood pressure and glucose, medication reminders and just in case: a mobile nursing service. Because it is free, Eric also selects the activity measurement. Online Diary Blood Pressure GlucoseGlucose ActivityActivity RemindersReminders NursingNursing WeightWeight SleepSleep Smart Sensor EducationEducation Online Diary Blood Pressure GlucoseGlucose ActivityActivity RemindersReminders NursingNursing WeightWeight SleepSleep Smart Sensor EducationEducation Cloud Storage MessagingMessaging BillingBilling Eric has been educated by his health care provider about the advantages to his health and to reducing costs for everyone in the country he lives in, all through new methods available from eHealth Home Care Service Offering

21. © 2015 TM Forum | 21 V2013.5 V2.2 Care@Home Application REGISTERSELECT PRIVACY/CONSENT PLACE ORDER - OFFER/DEVICES

22. © 2015 TM Forum | 22 V2013.5 V2.2  The orchestrated order is distributed to the partners to activate the services and devices used in the Care@Home application as selected by the user.  Provides the provisioning request to the partners Multi-Party ORDER ORCHESTRATION

23. © 2015 TM Forum | 23 V2013.5 V2.2 CATALOG MANAGEMENT API – GET - productOffering

24. © 2015 TM Forum | 24 V2013.5 V2.2 BILLING MANAGEMENT API – POST – account  Create account in billing system

25. © 2015 TM Forum | 25 V2013.5 V2.2 The Services Run Once the order has been issued, the required services automatically configured and the devices are shipped to Eric’s house. Once a day Eric takes his blood pressure. The glucose he measures once a week. The activity is measured automatically, so nothing to do. Eric also uses the sleep monitor daily. Based on his configured times, he receives an SMS that reminds him to take the medicine. On his graphical diary Eric can see the blood pressure and glucose levels of the past days and weeks. The family receives the report on Eric’s well being. He also can see how active he was in the given time.

26. © 2015 TM Forum | 26 V2013.5 V2.2 Use Case Get Blood Pressure Get Glucose Health Status View Measurements Service Status Get Activity Patient Prescription Patient Notifications Report an Emergency Edit Settings / Family Access View Historical Data Authenticate AuthorizeNurse Cloud store health data Messaging Order Delivery Device Shipment

27. © 2015 TM Forum | 27 V2013.5 V2.2 Enable efficient and standardized interaction between parties without the need for deep knowledge of Frameworx Enable businesses to create, evolve and manage digital services rapidly and efficiently without the need to deal with the complexity of their partner businesses Touch-points between partners and the ability to utilize TM Forum APIs to deliver value/content/offers Time to market for end user collaborative applications Time to revenue for each of the partners within the ecosystem End user, patient, receives more personalized level of services and surrounding participants e.g. Doctors, Nurse Practitioners, healthcare organization receive improved information/efficiencies. Integration of healthcare data along the entire continuum of care Secure authentication to enable access to medical data for nurses/patients Value of an Ecosystem Approach

28. © 2015 TM Forum | 28 V2013.5 V2.2 BACKUP 28

29. © 2015 TM Forum | 29 V2013.5 V2.2 The Frameworx architecture clearly separates every layer of concern, this is prerequisite for the “Build once, reuse multiple Times” paradigm. The e-Health Initiative End User Applications Throughput, Data storage, location service Platforms & Devices Wear-ables, non-intrusive Monitors, Analytics Primary Prevention Secondary Prevention Chronic Care Acute Care Customer Services Resources Partner Data Plans, MMS, Location Products

30. © 2015 TM Forum | 30 V2013.5 V2.2 From the NHS Perspective Problem Statement As a Government Agency responsible for Public Health, I need to improve Public Health in aggregate, So that I can reduce the overall cost of Health Care To do this, I need to: Create a platform that monitors patients at home, Detect patient problems before emergency care is required, Enroll Insurers in responding to patient problems, Gather medical information, and Analyze the information to improve medical protocols over time.

31. © 2015 TM Forum | 31 V2013.5 V2.2 Linking Business Models to Technical APIs A Framework Enterprise Viewpoint Problem Statement Business Model Canvas Business Scenario Enterprise Viewpoint Problem Statement Business Model Canvas Use Case Process Flow Use Case Sequence Touchpoint Touchpoint Touchpoint APIAPIAPI Process Element List Process Element Process Element List Process Element Process Element List Process Element

32. © 2015 TM Forum | 32 V2013.5 V2.2 Key Resources eHealth Application NHS Business Model Canvas Key PartnersKey ActivitiesValue PropositionsCustomer RelationshipsCustomer Segments Channels Medical Device Suppliers Type – Buyer- Supplier Relationship Motivation – Resource & Activities Acquisition Analytics Supplier Type – Buyer- Supplier Relationship Motivation – Resource & Activities Acquisition CSP Type – Buyer- Supplier Relationship Motivation – Resource & Activities Acquisition Maintain Medical Team Category – Production Maintain Medical Services & Records Platform Category – Production Medical Analytics Category – Production Medical & Analysis Team Type – Human Ownership - Owns Consumer (Patient) Type – Mass Market Government (General Public) Type – Niche Market Consumer (Patient) Motivation – Customer Acquisition Category – Self-Service Government (Public) Motivation – Customer Retention Category – Co-Creation Insurer Motivation – Customer Retention Category – Automated Services Consumer (Patient) Type – Web Sales Phase – Purchase Insurer Type – Sales Force Phase – Purchase Consumer (Patient) Better Health Delivered through Monitoring Services Medical Services Oversight Government (Public) Better Aggregate Health Lower Medical Costs Delivered through Partner Activities Reports and Analytics Integrated Ecosystem Type – Physical Ownership - Partner Cost StructureRevenue Streams Government Pricing Method – Bargaining Generation Type – Budget Insurer Pricing Method – Fixed List Prices Generation Type – Subscription/Usage Fees Consumer (Patient) Type – Cost Driven Class – Fixed Cost Partner Type – Cost Driven Class – Fixed Cost Consumer (Patient) Pricing Method – Fixed List Prices Generation Type – Usage Fees Insurer Lower Medical Costs Delivered through Access to Monitoring Data Alert Notification Alert Response Team SMS Notification Insurers Type – Niche Market Analytics Platform Type – Physical Ownership – Partner Medical Record Security Category – Production Medical Records Platform Type – Physical Ownership – Own

33. © 2015 TM Forum | 33 V2013.5 V2.2 Key Resources eHealth Application CSP Business Model Canvas Key PartnersKey ActivitiesValue PropositionsCustomer RelationshipsCustomer Segments Channels Medical Service & Device Suppliers Type – Joint Venture Motivation – Resource & Activities Acquisition Analytics Supplier Type – Joint Venture Motivation – Resource & Activities Acquisition National Health Service Type – Strategic Alliance between Non-Competitors Motivation – Resource & Activities Acquisition National Health Service Type – Strategic Alliance between Non-Competitors Motivation – Resource & Activities Acquisition Create Ecosystem Category – Production Integrate Medical Devices and Analytics Application Category – Production, Problem Solving Authenticate Access to Medical Records Category – Production Real-Time Service Integration Platform Type – Physical Ownership - Owns Consumer (Patient) Type – Mass Market Enterprise (NHS) Type – Niche Market Other Consumer (Health Insurer) Type – Niche Market Consumer (Patient) Motivation – Customer Acquisition Category – Self-Service Enterprise (NHS) Motivation – Boost Sales Category – Co-Creation Other Consumer (Health Insurer) Motivation – Boost Sales Category – Automated Services Consumer Type – Web Sales Phase – Purchase Enterprise (NHS) Type – Sales Force Phase – Purchase Consumer (Patient) Better Health Delivered through Monitoring Services Medical Services Oversight Enterprise (NHS) Better Aggregate Health Lower Medical Costs Delivered through Integration Services for App Ecosystem Authentication Insurer Lower Medical Costs Delivered through Access to Monitoring Data Ecosystem Authentication SMS Notification Authentication Service Integration Platform Type – Physical Ownership - Owns Cost StructureRevenue Streams Consumer Pricing Method – Fixed List Prices Generation Type – Subscription Fees Partner Pricing Method – Volume Dependent Generation Type – Subscription Fees Consumer Type – Combined Class – Economies of Scale Partner Type – Value Driven Class – Economies of Scale

34. © 2015 TM Forum | 34 V2013.5 V2.2 Key Resources eHealth Application Insurer Business Model Canvas Key PartnersKey ActivitiesValue PropositionsCustomer RelationshipsCustomer Segments Channels Medical Service & Device Suppliers Type – Buyer- Supplier Relationship Motivation – Resource & Activities Acquisition Analytics Supplier Type – Strategic Alliance between Non-Competitors Motivation – Resource & Activities Acquisition National Health Service Type – Strategic Alliance between Non-Competitors Motivation – Resource & Activities Acquisition Patient Management Category – Production Institutional Sales Category – Production, Problem Solving Provider Management Category – Production Patient Analytics Type – Physical Ownership - Owns Consumer (Patient) Type – Mass Market Consumer (Patient) Motivation – Customer Acquisition Category – Self-Service Consumer Type – Web Sales Phase – Purchase Consumer (Patient) Reduced Risk Delivered through Coverage Patient Management Type – Human Ownership - Owns Cost StructureRevenue Streams Consumer (Patient) Pricing Method – Fixed List Prices Generation Type – Subscription Fees Consumer Type – Cost Driven Class – Economies of Scale Enterprise Type – Cost Driven Class – Economies of Scale Financial Management Type – Human Ownership - Owns Enterprise Type – Niche Market Enterprise Type – Sales Force Phase – Evaluation Enterprise Lower Cost Delivered through Monitoring Services Medical Services Oversight Scale Enterprise Motivation – Customer Acquisition Category – Co-Creation Enterprise Pricing Method – Fixed List Prices Generation Type – Subscription Fees

35. © 2015 TM Forum | 35 V2013.5 V2.2 Key Resources eHealth Application Medical Device Supplier Business Model Canvas Key PartnersKey ActivitiesValue PropositionsCustomer RelationshipsCustomer Segments Channels National Health Service Type – Strategic Alliance between Non-Competitors Motivation – Risk Reduction Device Development Category – Production, Problem Solving Institutional Agreements Category – Production, Problem Solving Product Management Category – Production, Problem Solving Device R&D Type – Human Ownership - Owns Consumer (Patient) Type – Mass Market Consumer (Patient) Motivation – Customer Acquisition Category – Self-Service Consumer Type – Web Sales; Partner Stores Phase – Purchase Relationship Management Type – Human Ownership - Owns Cost StructureRevenue Streams Consumer (Patient) Pricing Method – Fixed List Prices Generation Type – Asset Sale Consumer Type – Cost Driven Class – Economies of Scale Enterprise Type – Cost Driven Class – Economies of Scale Enterprise (Insurer) Type – Niche Market Enterprise (Insurer) Type – Sales Force Phase – Evaluation Enterprise (Insurer) Lower Cost Delivered through Monitoring Services Medical Services Oversight Enterprise (Insurer) Motivation – Customer Acquisition Category – Co-Creation Enterprise (Insurer) Pricing Method – Bargaining Generation Type – Asset Sale Consumer (Patient) Better Health Delivered through Monitoring Services CSP Type – Strategic Alliance between Non-Competitors Motivation – Risk Reduction

36. © 2015 TM Forum | 36 V2013.5 V2.2 Key Resources eHealth Application Analytics Supplier Business Model Canvas Key PartnersKey ActivitiesValue PropositionsCustomer RelationshipsCustomer Segments Channels Medical Device Supplier Type – Strategic Alliance between Non-Competitors Motivation – Risk Reduction Research & Development Category – Production, Problem Solving Institutional Agreements Category – Production, Problem Solving Domain Services Category – Production, Problem Solving Analytics Type – Intellectual Ownership - Owns Health Data Base Type – Human, Intellectual Ownership - Owns Cost StructureRevenue Streams Enterprise Type – Cost Driven Class – Economies of Scope Enterprise (Insurer) Type – Niche Market Enterprise (Insurer) Type – Sales Force Phase – Evaluation Enterprise (Insurer) Lower Cost Delivered through Monitoring Services Medical Services Oversight Enterprise (Insurer) Motivation – Customer Acquisition Category – Co-Creation Enterprise (Insurer) Pricing Method – Bargaining Generation Type – Asset Sale CSP Type – Strategic Alliance between Non-Competitors Motivation – Risk Reduction Enterprise (NHS) Type – Niche Market National Health Service Improve Public Health Delivered through Public Health data and APP user data Analytics capability Enterprise (Insurer) Motivation – Customer Acquisition Category – Co-Creation Enterprise (Insurer) Type – Sales Force Phase – Evaluation Enterprise (NHS) Pricing Method – Bargaining Generation Type – Asset Sale