www.binah.ai

Boosting the Insurance Industry with the#1 Health and Wellness Check Software

Empowering better decisions at lower costs withreal-time health data

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Power Your Offering with the#1 Software for Health and Wellness Checks
Binah.ai’s award-winning Health Data Platform offers insurers anunparalleled advantage by transforming smartphones or tablets into
health and wellness monitoring tools. Our software-based solution
empowers insurers to remotely measure a comprehensive range ofhealth and wellness indicators, including our revolutionary bloodlessblood tests. By opting to share their health data, policyholders can enjoy
better, faster, and more personalized health and wellness services.

Spot and Continuous Checks
Choose from spot checks, conducted via 30-60-second selfie videos orcontinuous checks using a Polar Verity Sense™ optical heart rate sensor,
allowing you to tailor the approach to best suit your organization’s needs.

Boost Engagement with Binah Wellness Score
Empower your clients to get a user-friendly score designed to foster aproactive approach to health and wellness management. This score, basedon Binah.ai’s analysis of key metrics, serves as a tangible indicator of theiroverall wellness, encouraging users to track their progress and engage
more actively with their health.

Empower Proactive Prevention and Risk Reduction
Binah.ai's cutting-edge health and wellness checks, inlcuding fall detection, offer insurers a unique advantage inproactive risk reduction. By measuring and sharing their health data, policyholders can gain valuable insights andaccess expedited, prevention services and suggestions personalized to suit their unique needs, while insurers
gain better insights into risk levels and help policyholders reduce their health risks.

Make Underwriting More Efficient with Real-time Health Data
Reduce reliance on outdated legacy datasets and make underwriting faster, cheaper, and more efficient. Our
remote vital signs and stress monitoring technology reduces the need for dedicated hardware and cuts costs
on medical equipment and personnel, allowing for faster, cheaper general health and wellness checks. Useremote checks to triage STP applicants, improve dynamic underwriting and gain real-time insights into applicant
or client health status.

Shift from Claims Payer to Lifelong Wellness Partner
Help your clients stay engaged on their wellness journeys. Empower them to conveniently measure theirhealth data on the go, during exercise, or even while asleep, and enable them to track their progress fromtheir smartphones, tablets, or laptops. Use insights shared by clients to gamify wellness platforms, deliver
personalized suggestions and rewards, and pave the way to a lifelong relationship with clients by helping themmitigate health risks so that they can enjoy lower premium prices.

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How Binah.ai's Technology Works
Binah.ai harnesses a unique technological mix of signal processing, advanced AI, and a proprietary set of algorithms
developed and perfected in-house over nearly a decade to conduct health and wellness checks. The health andwellness indicators are measured using photoplethysmography (PPG), a well-established, non-invasive opticaltechnique used for measuring physiological health parameters. Stress levels are calculated using the Baevsky StressIndex. Delivering consistent, high-quality results in under a minute, Binah.ai’s technology supports all Fitzpatrick
scale skin tones and is agnostic to sex.

Video-Based Spot Checks using remote PPG (rPPG)
With Binah.ai’s video-based software technology, delivered as Binah SDK (Software Development Kit),organizations can empower anyone to take a health check in 35 to 60 seconds by simply looking at the cameraof their personal mobile device.

Play Demo

PPG-Sensor Based Continuous Checks, Powered by Polar
For situations requiring continuous monitoring, Binah.ai integrates with the Polar Verity Sense™ optical heart
rate sensor, enabling seamless health data collection and fall detection.

www.binah.ai
Why Binah.ai?
Robust Scientific Foundation
Developed by a team of experts and PhDs in fields such as medicine, engineering, deep learning, mathematics,physics, and biotechnology, Binah.ai's technology has been rigorously tested both in labs and by independent
third parties.

Unique Edge Architecture
Leveraging edge computing, Binah.ai's solution operates directly on devices, eliminating cloud dependencies
and costs, and delivering stable performance without the need for internet connectivity.

No Privacy Concerns
Thanks to our distinctive edge architecture, data ownership remains entirely with you, enhancing end-user dataprivacy and simplifying GDPR/HIPAA compliance. Binah.ai does not have access to end user data.

Flexible Health Checks
As the sole provider of both spot and continuous monitoring as well as fall detection, our health and wellness
checks are designed to adapt to your organization’s specific needs.

Consistent High-Quality Performance
Our technology consistently delivers high-quality results, bolstered by our confidence level feature that ensuresreliability. Binah.ai is currently undergoing the regulatory approval process as a Software as a Medical Device(SaaMd) through the FDA (USA) and additional regulatory bodies.

Universal Accessibility
Our technology is designed to be inclusive, unaffected by sex, skin tone, or location, ensuring equal access to alland empowering insurers to reach wider populations, including those in remote locations.

Broad Compatibility
Binah.ai’s solutions are compatible with smartphones and tablets, allowing your customers to conveniently
access health and wellness checks using devices they already possess.

Proven Technology
Deployed across the insurance, healthcare and wellness industries, Binah.ai’s technology is already benefitting
tens of millions of end users worldwide.

Optimal Delivery for Seamless Integration
Our technology is provided as an easy-to-integrate SDK, complete withcomprehensive documentation, reference applications, and continuous support
from our customer success team, available to assist with your needs at any time

Binah SDK (Software Development Kit)
• Supports: iPhone 8 and up and iPad 6th Gen and all iPad models released
afterward with iOS 14 and up; Android 8.1 mobile devices• Web Application Support: compatible with Safari and Google Chrome on iOS,and Google Chrome on android - no app needed• Support for landscape and portrait orientations• Available through web application clients - no app download needed

Binah Connect - PPG Sensor Support• Polar Verity Sense™

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Insurance Applications

Underwriting/Onboarding

Risk Mitigation

Claims Management

Enhance self-reporting healthquestionnaires with real-time
health data, collected remotely

Improve risk management withhassle-free, real-time insight into
your clients’ health status

Make claims smarter and fasterwith historic health data sharedby clients

Triage STP and non-STP
ApplicantsPersonal and Employee
Wellness Programs

Know Your
Customer (KYC)

Use remote, one-minute health andwellness checks to triage high andlow-risk applicants

Boost engagement and support client
wellbeing with a real-time monitoring
solution, available 24/7

Get a 360º user profile with critical
health data for better, more efficient,and value-added customer support

Flag Critical Health Risks with a Spectrum of HealthParameter

Normal range(Age 18+)

Health issues associated withabnormal levels

Blood pressure

Systolic: <120

The pressure of circulating blood against artery walls

Diastolic: <80

Heart attack, heart disease, stroke, kidneydisease, poor cognitive function, dementia

60-100 bpm

Stroke, heart failure

SDNN: > 50ms

Stress, risk of cardiac events, oncoming
sickness, nutrition and sleep patterns

95% - 100%

Heart disease, interstitial lung disease, COPD,anemia, ARDS, pneumonia, sleep apnea

12-20 bpm

Anxiety, fever, heart problems, respiratory
conditions, including COPD, asthma, andpneumonia

5Hyperventilation, cardiorespiratory issues

Heart rate/ Pulse rate
How many times a person’s heart beats per minuteHeart Rate Variability (HRV)The variance in time between heart beats
represented by SDNN
Oxygen saturation
The amount of oxygen-carrying hemoglobin in theblood relative to the amount of hemoglobin notcarrying oxygen
Breathing rate
The number of breaths a person takes per minute*Pulse-Respiration Quotient (PRQ)
Heart rate divided by respiration rate, captures thecomplex state of cardio-respiratory interactions
Sources

https://www.mayoclinic.org/diseases-conditions/high-blood-pressure/symptoms-causes/syc-20373410
https://www.ahajournals.org/doi/full/10.1161/01.cir.94.11.2850
https://www.hopkinsmedicine.org/health/conditions-and-diseases/vital-signs-body-temperature-pulse-rate-respiration-rate-blood-pressure
https://pubmed.ncbi.nlm.nih.gov/31647303/#:~:text=Abstract,complex%20state%20of%20cardiorespiratory%20interactions

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Enable Seamless Health and Wellness Checks
Scenario #1

Scenario #2

Underwriting / Onboarding

Wellness Programs
Initial Health Screening

General Health Assessment

Remoteself-assessment

Agentenablement

1 minute
Easily assess general health status by sending
candidates a link to perform a 1-minute scan orempower agents with a real-time assessment tool

Send clients a link to take a 1-minute healthscan or have clients scan themselves using theinsurer's app

Instant Digital Scan

Help Set Personal Health Goals
1 minute

Reduce churn and time wasted on healthchecks, and enhance questionnaires with
objective, real-time health data

Analysis

Help clients set
measurable goals
to improve general
health status

Boost Engagement

Advanced algorithms
create individual
insights

Decision Making

Make smarter andfaster decisions foreach policy

Help clients stayengaged withpersonalizedrecommendations
based on health dataand progress

Goal Achievement, Maintenance and Rewards
Reward goal
achievement andhealth improvements,and empower clientsto maintain a healthy
lifestylewww.binah.ai

Revolutionize Insurance with Real-Time Health and Wellness Monitoring
Digital Transformation: Streamline underwriting and claims processes with automation andsupport a 360-view of customers for an enhanced digital experience.

Operational Efficiency: Reduce the time and costs associated with manual healthassessments, eliminating the need for expensive equipment and outdated datasets.

Enhanced Risk Assessment: Use real-time and historical health data and trends to make more
informed risk assessments.

Smarter Digital Twins: Enrich digital twins with a wealth of high-quality real-time health andwellness data to enhance predictive analytics and personalized insurance.

Revenue Growth: Expand outreach to under-served populations and remote locations, opening
up new markets and opportunities.

Fraud Reduction and Claims Validation: Utilize real-time and historical health data toauthenticate claims more effectively and combat fraud.

Short Time-to-Market: Seamlessly integrate Binah SDK into your branding, apps, or web
applications within days for immediate savings.

Future-Proof Partnership: Establish a lasting partnership that continues to enhance youroffering with numerous health and wellness indicators in the pipeline for the coming years.
Customer Convenience: Make measuring and sharing health data as simple as taking a selfievideo, streamlining insurance processes with less paperwork and fewer calls and offering
unparalleled convenience to both prospects and clients.
Proactive Prevention: Encourage clients to actively monitor their health data, facilitating theearly detection and prevention of potential health issues.
Engaging Wellness Programs: Elevate wellness programs with gamification and personalizedsuggestions based on real-time health data. Use this data to set measurable goals and motivateclients with incentives like dynamic underwriting.

www.binah.ai

Insurers Already Reaping the Benefits of Binah.ai’s Technology
Generali Deutschland, the German business unit of Europe’s largest insurance Group
In today’s challenging landscape, Generali has a clear
vision – future-focused and looking for continuous
innovation, while always putting the customer first.
Recognizing that health awareness is at an all-timehigh due to the pandemic, and with a drive tosupport its own customers in monitoring healthstatus, Generali wanted to create a wellness
application from scratch. The insurance giant
wanted to align this solution with the nationwide
push from the German government for an
increasingly digitalized healthcare system.

''With this new digital solution, we
put advanced analytics and Artificial
Intelligence to the service of ourcustomers, in a way that is affordable,
fast, and easy. A new tool to promote
prevention, which, as we learnt during
the current Covid emergency, is ofparamount importance, and to protect
our customer’s life and health."
Giovanni Liverani, CEO of Generali
Deutschland

Momentum, one of South Africa’s largest insurance companies
As a leading insurance company, Momentum has
a broad vision to digitalize its value chain, andprovide clients with intelligent, streamlined tools tomonitor health vitals, improve insurance services,and early identify health flags, while getting better,real-insights into their clients’ healthcare status.
Momentum immediately recognized the potentialof remote, video-based vital signs monitoring
for their clients. This would provide a valuable
stream of health data to them as a company, as
well as offer customers and partners the tools tostay on top of their own health vitals and attainpeace of mind.

“Binah.ai’s technology provides our clientswith a tool to measure key vitals andoffers us alternative sources of healthdata to assist with early intervention
and referral to our digital doctors ifneeded.”
Margot Brews, Head of Health Risk
Management at Momentum, South Africa

Sompo Japan Nipponkoa Himawari Life Insurance, one of Japan’s largest
insurance companies“In particular, we aim to develop new healthcare services which enable customers tounderstand their own health status (such as stress) and get advice, by utilizing Binah’stechnology: data format-agnostic / signal processing / machine learning, and proprietaryalgorithms with existing medical / and health data. Binah.ai provides practical answers
to critical information challenges, accelerating the path from data to insights. Binah’s
combination of signal processing, machine learning, and a proprietary, comprehensive
back-end AI framework delivers best-in-class models in terms of accuracy, performanceand stability.”
Sompo Japan Nipponkoa Himawari Life Insurance
https://www.sompo- hd.com/~/media/hd/en/files/news/2020/e_20201009_2.pdf

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www.binah.ai

Health Checks Anywhere
Binah.ai’s video-based Health Data Platform is the # 1 software for health and wellness checks. Reducing the needfor dedicated hardware, it transforms smartphones and other camera-equipped devices into health and wellness
monitoring tools. Binah.ai empowers industries, including insurance, healthcare, and wellness by offering a tool forend users worldwide to measure and share a wide range of vital signs and take bloodless blood tests. Binah.ai makes
access to user-provided health data fast, simple and affordable and empowers organizations to provide preventive
and personalized care and services at lower costs - to everyone, anywhere, regardless of ethnicity, sex or location.
For more information on Binah.ai, please visit: www.binah.ai or write to us at info@binah.ai

Industries We Empower

Insurance

Wellness

Healthcare

PharmaAutomotive

ConsumerElectronics/IoT

RetailNutrition

Selected Partners

Selected Customers

Certifications

Recent Market Recognition

Asia InsuranceAwards2023

DIA
DIAmond Award
2022

CES
Innovation Awards
2022

CES
Innovation Awards
2020www.binah.ai | info@binah.ai

GRAND CHAMPION
NTT Data
10th Open Innovation
International Contest 2020

Cosmetics