2. The Questions 1. How can we make healthcare and wellness innovation more sustainable? 2. What healthcare and wellness areas are ready for innovation? Do they currently present a market risk or a market opportunity? 3. What can insurance companies offer as new health and wellness opportunities? The best way to answer these questions and mitigate these risks is to examine the rising health and wellness trends. 3. The Trends Elderly Health and Longevity The elderly are increasingly becoming healthier, more tech-savvy and more active individuals with a variety of needs, from loneliness to augmented care. In our work, we have seen solutions such as AI-led rehab support become instrumental in supporting the elderly with their long term care. Collecting and analyzing various data sources will help to offer more tailored health support and a more comprehensive range of supportive financial services. Insurers could also potentially act as a collector and covener in this area - limiting the potential risk of fraud. Mental Health Thanks partly to the impact of Covid, there is more awareness and less stigma around mental health. Emerging initiatives seek to identify links and dependencies among various health issues – for example, the connection between mental health and cardio health. The question is how insurance companies can help facilitate the evaluation of often siloed but interconnected ailments? Healthcare Equity Minorities have different healthcare needs to Caucasian populations, and women have different needs to men. They often require tailored solutions which are not readily available in the marketplace. Much work is being done to develop personalized medicine, using pharmacogenomics among other advanced technologies, specific to the insurance needs of women or minorities. How can insurers think out of the box to protect, prevent and mitigate unforeseen risks and make access to treatment affordable to underserved consumer groups? Data Ethics and AI Biases Ethics and biases embedded within advanced analytical models being created today are gradually being recognized as one of the most significant issues across the healthcare sector. We need to start asking ourselves how insurers can work together to eliminate and mitigate endemic discrimination and exclusion resulting from poorly designed AI models. Wellness Homes Wellness homes could provide more sustainable living environments for all incomes, ages, and healthcare conditions. Some homes are being developed from the ground up. Others are retrofitted with new designs and technologies. Data capture and analysis becomes a core part of the design of these smart and sustainable homes. What would such designs imply in terms of insurance products and services? 35