"An integrated system for insurance operations delivers a single solution across all business units, thereby enabling smooth and synchronised process flow across the entire business.... Health insurers worldwide have started to leverage available data innovatively for a wider range of purposes, including sales, underwriting, claims and fraud detection.... Innovation in the global healthcare market is not just restricted to the technology itself, but expands into developing new health insurance products and new ways of distributing insurance products by leveraging technology, mainly mobile phones."

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