# EFU Life WIN: healthy living, rewarded through a life policy

EFU LIFE — insurance, PK.

A wellness app that turns healthy living into rewards, and connects it all to a life insurance policy.

- **Client:** EFU Life Assurance, Pakistan
- **Industry:** Life insurance and wellness
- **Product:** EFU Life WIN mobile app for Android and iOS
- **Built on:** Health platform, loyalty system, core life assurance system and reward shop, integrated into one app

## In short

- FetchSky designed and developed the EFU Life WIN wellness app for Android and iOS for EFU Life Assurance, Pakistan.
- The EFU Life WIN app is one front door to four systems: a health platform, a loyalty system, the core life assurance system and a reward shop.
- Customers earn short-term vouchers, medium-term WIN points and long-term policy-linked benefits for living healthier.

## In numbers

- 4 systems: behind one app
- 0–1,000: the range of the Health Score
- 7: parameters on the Wellness Wheel
- 6: health and wearable platforms it syncs with

## Overview

EFU Life WIN is the wellness brand of EFU Life, one of Pakistan's leading life insurers. It is built on a simple idea: insurance should do more than protect you, it should encourage you to live well. Customers buy a WIN policy, then earn rewards for staying active, eating well, sleeping better and looking after their mental wellbeing. The EFU Life WIN app is where that journey happens every day, and FetchSky designed and developed it for Android and iOS.

## The challenge

A wellness-linked insurance policy only works if customers use it every day. The app had to feel as engaging as a fitness app while staying accurately connected to the policy underneath. That meant bringing together four very different systems:

- Health platform: to measure health, track activity and calculate a score.
- Loyalty system: to award points, track status and run challenges.
- Core life assurance system: to link rewards to the customer's actual policy.
- Reward shop and discount redemption platform: to let customers spend what they earn.

To the customer, it all had to feel like one simple app.

## How does one app hold four systems together?

We built the EFU Life WIN app as the single front door to all four systems, so customers never see the complexity behind it.

- 1. Health platform — **Health Score:** After an initial assessment, customers get a score from 0 to 1,000 that updates as their habits change.
- 1. Health platform — **The Wellness Wheel:** Seven parameters make up the score: move, sleep, self-control, physical health, mental wellbeing, nutrition and mindfulness.
- 1. Health platform — **Wearables and phone tracking:** The app syncs with Apple Health, Google Fit, Garmin, Fitbit, Strava and Withings. A wearable is optional: the phone can track steps.
- 2. Loyalty system — **Goals, challenges and points:** Customers set personal goals, take on monthly challenges and earn WIN points.
- 2. Loyalty system — **WIN status:** Points over the policy year move customers up from Beginner to Mover, Achiever and Winner, and a higher status means bigger rewards.
- 3. Core life assurance system — **Policy-linked rewards:** The status customers earn feeds long-term, policy-linked benefits that are credited to the policy's account value.
- 3. Core life assurance system — **Membership tied to the policy:** WIN membership follows the customer's WIN policy, so the app always reflects the right customers.
- 4. Reward shop and discount redemption — **Digital vouchers:** Completing monthly challenges earns vouchers, which customers redeem with reward partners.
- 4. Reward shop and discount redemption — **Reward store:** Customers spend accumulated points on deals and offers.
- 4. Reward shop and discount redemption — **Partner discounts:** Eligible plans also unlock discounts at partner outlets.

## What makes up the Health Score?

After an initial assessment, customers get a score from 0 to 1,000 that moves as their habits change. Seven parameters make up the Wellness Wheel behind it:

- Move
- Sleep
- Self-control
- Physical health
- Mental wellbeing
- Nutrition
- Mindfulness

## How are customers rewarded?

Rewards arrive on three horizons:

- Short term: digital vouchers for completing monthly challenges, redeemed with reward partners.
- Medium term: WIN points to spend on deals and offers in the reward store.
- Long term: policy-linked benefits, driven by WIN status and credited to the policy’s account value.

## How do customers move up?

Points earned over the policy year move customers through four levels of WIN status, and a higher status means bigger rewards:

- Beginner
- Mover
- Achiever
- Winner

## A complete wellness experience

Around this core, the app also lets customers get advice from certified wellness experts through the Wellness Hub, and share their achievements on social media.

## How we built it

FetchSky designed and developed the EFU Life WIN app for Android and iOS as the single front door to EFU Life's health platform, loyalty system, core life assurance system, and reward shop and discount redemption platform — so each does its own job, and the customer sees one app.

## Outcome

EFU Life WIN brings together a health engine, a loyalty program, a life policy and a reward shop in one app on Android and iOS. Customers get short-term vouchers, medium-term points and long-term policy benefits for living healthier, and EFU Life gets a daily point of engagement with its policyholders.

## Questions

### What is EFU Life WIN?

EFU Life's wellness brand: customers buy a WIN policy, then earn rewards for staying active, eating well, sleeping better and looking after their mental wellbeing.

### How is the Health Score calculated?

After an initial assessment, customers get a score from 0 to 1,000 built from seven Wellness Wheel parameters: move, sleep, self-control, physical health, mental wellbeing, nutrition and mindfulness.

### Do customers need a wearable?

No. The app syncs with Apple Health, Google Fit, Garmin, Fitbit, Strava and Withings, but the phone alone can track steps.

### How do rewards reach the policy?

The WIN status customers earn feeds long-term, policy-linked benefits credited to the policy's account value.

Source: https://fetchsky.com/case-studies/efu-life-win