Digital health and insurance

Digital health

Digital health and insurance.
According to the Gimbe Foundation, in 2024 Italy’s public healthcare expenditure stopped at 6.3% of GDP, the lowest value among the G7 and below both the OECD average (7.1%) and the EU average (6.9%). In 2023, citizens compensated with €48 billion in private spending, 87% of which was paid directly out of pocket.

Addressing these critical issues will not be immediate. Among the most promising prospects is digital health, based on the use of digital tools and clinical data.
Furthermore, as highlighted in a recent report by Ania, the association of Italian insurance companies, the support of insurers as institutional investors will be decisive in key sectors such as artificial intelligence, medical robotics, and longevity, which can make healthcare more sustainable and personalized. The goal is to achieve additionalinvestments of around €800 billion per year until 2030.

Artificial Intelligence.
This technology has already shown its potential in supporting early diagnosis, thanks to the monitoring of data and vital parameters collected by wearable devices and mobile applications. Such tools can reduce hospitalizations and simplify patient follow-up.

Robotics and Longevity.
A rapidly growing sector concerns the use of robotics in healthcare, with applications ranging from high-precision surgical robots to autonomous devices for laboratories and advanced diagnostics.
Finally, the report highlights longevity, meaning technologies and tools aimed at increasing life expectancy while preserving health, combining early diagnosis, targeted treatments, and continuous monitoring.

Prospects for Insurance.
The role of insurance companies in digital health varies depending on their business model: health insurers focus on diagnosis and treatment, life insurers on prevention and well-being, and reinsurers on claims and compensation.
The main long-term investment opportunities include data-driven applications to personalize offers, risk assessment and pricing with artificial intelligence, and genomic data models for gene therapy.

Argos Assistance: assistance that combines innovation and proximity

Technological transformation opens new prospects for healthcare, but what citizens continue to demand is immediate security, continuous support, and human proximity. This is where Argos stands out.
Our operations center, active 24/7, an international network of selected healthcare partners, and constant attention to service quality allow us to guarantee quick and personalized solutions, wherever you are. The integration of digital tools into our operational model makes it possible to streamline procedures and reduce intervention times, without ever losing sight of the value of direct personal assistance.