EP 245 – Can Insurers Move From Claims to Care With Embedded Health? – Shane Di and Sebastien Gaudin – The CareVoice

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Michael Waitze worked in Global Finance for more than 20 years, employed by firms like Citigroup, Morgan Stanley and Goldman Sachs, primarily in Tokyo.  Michael lived and worked in Tokyo from February 1990 until December 2011.  Michael always maintained a particular focus on how technology could be used to make businesses more efficient and to drive P/L growth. Michael is a leader in the digital media space, building one of the biggest and fastest-growing podcast listener bases in the region.  His AsiaTechPodcast.com show has listeners in more than 170 countries and his company, Michael Waitze Media produces some of Asia’s most popular podcasts.

“I have spent all of my career in the health care. Given a choice, I wouldn’t do anything else.” Upon graduating masters in pharmaceutical and commercial sciences in France, Sebastien worked in Sanofi, a world leading pharmaceutical company, for twelve years, where he held various positions in business development and marketing across multiple therapeutic areas and geographic markets. In 2011, he assumed a management position in Sanofi China focusing on diabetes portfolio and it was a great experience. “I met many knowledgeable and committed people (Chinese Ministry of health representatives, hospital leaders, etc.) and well, I got the sense of all that could be done in this dynamic country, where many healthcare-related needs remain unmet.” - Sebastien Gaudin. Later on, he got the idea of a digital health startup that could address the consumer’s mistrust for medical services in China, a recommendation platform similar to TripAdvisor but dedicated to healthcare. He then left Sanofi to launch The CareVoice in early 2014.

Guest
Shane Di

A history of consistent directorship performance driven by a strong passion for technology, customer experience, data insights and always trying new ways of working. Over 15 years of experience in advertising, marketing, mobile solutions, digital delivery for brands like McDonalds, Australian Government and a multinational insurer. I have extensive experience in strategic thinking, research, project management, digital transformation, data and platform transformation as well having architected and lead a start up from the grounds up to 20 million user base today in China.

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Embedded health is transforming the traditional role of insurers from passive claim-payers to active partners in their customers’ health journeys. By integrating health services—like wellness tools, virtual care, and personalized health content—directly into existing insurance apps and digital platforms, insurers can offer continuous value beyond claims.

This shift not only enhances customer satisfaction and engagement but also drives tangible business outcomes, such as improved retention, increased acquisition, and reduced operational costs. The key is embedding these services where customers already are—whether in insurance apps, distribution channels, or even lifestyle and retail platforms.

In this episode of the Asia InsurTech Podcast, Shane Di and Sebastien Gaudin of The CareVoice dive into the rapidly evolving world of embedded health within the insurance sector.

They discuss how integrating health services directly into the digital lives of their customers create seamless experiences that go beyond policy management. Through a user-first approach, they’ve built a platform that not only engages customers but also foster long-term relationships. The key to their success? Speed, flexibility, and personalization that speak directly to the end user.

Building flexible, scalable platforms that can be deployed quickly and adapted easily is essential to stay competitive for insurers. As digital health becomes central to the insurance value chain, the future lies in systems that are fast to launch, simple to manage, and built to evolve—always with the end user at the core.

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