35 · СТРАХОВОЕ ПАРТНЁРСТВО — ПИСЬМО О НАМЕРЕНИЯХ (ШАБЛОН)
Version: 1.0 | Date: 12.03.2026 | Status: Canonical Category: Business / Legal SSOT for: Insurance partnership framework, LOI template, co-branded product structure Dependencies: 22_PLATFORM_PROTECTION, 30_SMART_CONTRACT_INSURANCE, 31_B2B_PLAYBOOK
TL;DR
- LOI template для партнёрства Wellex + страховая компания
- Модель B2B2C: страховая предлагает скидки клиентам с высоким WVI
- Win-win: Wellex получает канал привлечения, страховая снижает claims
- 3 формата партнёрства: Wellness Discount, Co-branded Product, WVI API
1. Стратегическое обоснование
Зачем страховой компании Wellex
| Метрика | Без Wellex | С Wellex |
|---|---|---|
| Client health visibility | Годовой медосмотр (1 data point/год) | WVI ежедневно (365 data points/год) |
| Preventive intervention | Постфактум | В реальном времени (AI Coach) |
| Client engagement | Полис → забыл | Браслет + APP → ежедневный контакт |
| Risk assessment | Статические факторы (возраст, пол) | Динамический WVI (реальное здоровье) |
| Claims reduction (target) | Baseline | −12–18% за 24 месяца |
Зачем Wellex страховая компания
| Ценность | Описание |
|---|---|
| Канал привлечения | Страховая предлагает Wellex своим клиентам → массовый B2B2C |
| Trust transfer | «Рекомендовано [Allianz/AXA]» — мгновенное доверие |
| Финансовый стимул для пользователя | Скидка на страховку = ещё один мотиватор поддерживать WVI |
| Data enrichment | Агрегированные wellness-данные для продукта |
2. Три формата партнёрства
Format A: Wellness Discount Programme (начальный уровень)
Механика: Клиент страховой компании, поддерживающий WVI ≥ 70 на протяжении 90+ дней, получает скидку на страховую премию.
Клиент страховой → регистрация на wellex.ai → подписка $19/мес
→ носит браслет → поддерживает WVI ≥ 70
→ каждые 90 дней → автоматический отчёт страховой (анонимизированный)
→ скидка 10–20% на следующий период страховки
| Параметр | Значение |
|---|---|
| Скидка | 10% (WVI 70–79) / 15% (WVI 80–89) / 20% (WVI 90+) |
| Период оценки | 90 дней rolling average |
| Данные передаваемые | Только WVI score + compliance status (не raw biometrics) |
| Согласие пользователя | Explicit opt-in при регистрации |
| Техническая интеграция | API endpoint: GET /api/v1/wvi/compliance/{user_id} |
Format B: Co-branded Product (продвинутый уровень)
Механика: Совместный продукт «[Страховая] Wellness by Wellex» — продаётся клиентам страховой как bundle.
| Компонент | Кто предоставляет |
|---|---|
| Страховой полис | Страховая компания |
| Wellex Band + APP + WEB | Wellex |
| Co-branded design (APP) | Совместная разработка |
| Маркетинг | Совместный бюджет |
| Support Level 1 | Страховая (первая линия) |
| Support Level 2 | Wellex (технический) |
Ценообразование:
- Страховая включает $19/мес Wellex в стоимость полиса
- Wellex получает $15/user/мес (после комиссии страховой)
- Клиент видит: «Wellness-браслет бесплатно в вашем страховом пакете»
Format C: WVI API for Underwriting (стратегический уровень)
Механика: Страховая использует агрегированные, анонимизированные WVI-данные для улучшения моделей андеррайтинга.
| Параметр | Значение |
|---|---|
| Данные | Обезличенные: WVI distribution, wellness trends, risk clusters |
| Granularity | По возрастным группам / регионам / типам активности |
| Частота | Monthly reports + real-time API |
| Цена | $0.50–$2 per user/month (в зависимости от объёма) |
| Compliance | GDPR Article 9 (health data), explicit consent, anonymization |
| Доступность | Phase 3 (Year 2) |
3. Шаблон LOI
ПИСЬМО О НАМЕРЕНИЯХ
Тема: Стратегическое партнёрство — Программа велнес-страхования
Date: [DD.MM.YYYY]
Between:
Party A (Insurance Company): [Full Legal Name] [Registration Number] [Registered Address] Represented by: [Name, Title] (hereinafter referred to as "Insurer")
Party B (Technology Provider): Wellex Ltd. [Registration Number] [Registered Address] Represented by: [Name, Title] (hereinafter referred to as "Wellex")
1. Предыстория
The Insurer is a licensed insurance company operating in [jurisdictions]. Wellex is a wellness technology company operating the Wellex Protocol — a biometric wellness platform that combines wearable technology, AI coaching, and a proprietary Wellex Vitality Index (WVI) to provide measurable wellness outcomes.
The Parties wish to explore a strategic partnership to develop a joint wellness-insurance product offering.
2. Объём сотрудничества
The Parties intend to collaborate on:
2.1 Development of a Wellness Discount Programme whereby the Insurer's policyholders who maintain a WVI score of 70 or above for a minimum of 90 consecutive days receive a discount of [10–20]% on their insurance premium renewal.
2.2 Exploration of a co-branded wellness-insurance product ("[Insurer Name] Wellness by Wellex") combining the Insurer's insurance coverage with Wellex's biometric tracking platform, to be offered to the Insurer's existing and new policyholders.
2.3 Integration of Wellex's WVI API into the Insurer's risk assessment and client engagement systems, subject to data protection requirements and user consent.
3. Ключевые коммерческие условия (индикативные)
| Term | Proposed |
|---|---|
| Wellex subscription cost per policyholder | $[15–19]/month |
| Revenue share on co-branded product | [To be negotiated] |
| WVI API access fee | $[0.50–2.00] per user/month |
| Minimum commitment (policyholders) | [500–2,000] users |
| Pilot duration | [90–180] days |
| Exclusivity | [Non-exclusive / Exclusive per region] |
| Territory | [Specify: UAE, GCC, CIS, EU] |
4. Пилотная программа
The Parties agree to commence a Pilot Programme under the following framework:
4.1 Duration: [90] days from Effective Date.
4.2 Scope: [500–1,000] of the Insurer's policyholders in [Region].
4.3 Each pilot participant receives:
- Wellex Band (free)
- Wellex APP + WEB Platform access
- AI Coach
- WVI tracking and monthly wellness report
4.4 Success criteria for pilot:
- Participant activation rate > 80%
- NPS > 45 among participants
- Average WVI improvement > +5 points over 90 days
- Participant retention > 70%
- Claims data comparison: pilot group vs control group
4.5 Pilot costs: [To be negotiated — options: shared equally / Wellex covers technology / Insurer covers distribution].
5. Защита данных и конфиденциальность
5.1 All user data processing shall comply with applicable data protection legislation, including but not limited to GDPR (EU), PDPL (UAE), and local equivalents.
5.2 Wellex shall not share individual biometric data with the Insurer. Only aggregated, anonymised wellness scores (WVI) shall be transmitted, and only with explicit user consent.
5.3 Users may revoke data sharing consent at any time via Wellex APP Settings → Privacy.
5.4 The Parties shall execute a separate Data Processing Agreement (DPA) prior to any data exchange.
6. Интеллектуальная собственность
6.1 Each Party retains all intellectual property rights in its pre-existing technology, branding, and data.
6.2 Any co-developed materials (co-branded product design, joint marketing assets) shall be jointly owned unless otherwise agreed in the Definitive Agreement.
6.3 The "Emotional Mining" trademark and "WVI" methodology remain the exclusive property of Wellex.
7. Эксклюзивность
7.1 During the Pilot Programme, [Insurer] shall have a right of first refusal for exclusive partnership in [Territory] for a period of [6] months following pilot completion.
7.2 Wellex retains the right to partner with non-competing insurance companies in other territories during the pilot period.
8. Временные рамки
| Milestone | Target Date |
|---|---|
| LOI signed | [Date] |
| Technical integration kick-off | [LOI + 14 days] |
| Pilot launch | [LOI + 45 days] |
| Pilot mid-point review | [LOI + 90 days] |
| Pilot completion & review | [LOI + 135 days] |
| Definitive Agreement signed | [LOI + 150 days] |
| Full rollout | [LOI + 180 days] |
9. Необязывающий характер
9.1 This Letter of Intent is non-binding and does not create any legal obligations between the Parties, except for Sections 6 (Intellectual Property) and 10 (Confidentiality), which are binding.
9.2 The Parties intend to negotiate and execute a Definitive Agreement that will contain binding terms and conditions.
10. Конфиденциальность
10.1 Each Party shall keep confidential all non-public information received from the other Party in connection with this LOI and the contemplated partnership.
10.2 This obligation survives termination of this LOI for a period of [24] months.
11. Применимое право
This LOI shall be governed by and construed in accordance with the laws of [UAE / England and Wales / other].
Подписи
For [Insurance Company]:
Name: ________________________________ Title: ________________________________ Date: ________________________________ Signature: ____________________________
For Wellex Ltd.:
Name: ________________________________ Title: ________________________________ Date: ________________________________ Signature: ____________________________
4. Целевые страховые партнёры
| Компания | Регион | Тип | Приоритет | Контакт |
|---|---|---|---|---|
| Allianz Partners | MENA / Global | Health + Life | 🔴 | [TBD] |
| AXA Gulf | UAE / GCC | Health | 🔴 | [TBD] |
| MetLife UAE | UAE | Life + Health | 🟡 | [TBD] |
| Daman Health (NHI) | Abu Dhabi | National health | 🟡 | [TBD] |
| SOGAZ | CIS / Russia | Universal | 🟡 | [TBD] |
| Reso-Garantiya | CIS | Health + Life | 🟢 | [TBD] |
| Bupa Global | International | Health | 🟢 | [TBD] |
Критерии выбора партнёра
| Критерий | Минимум |
|---|---|
| Клиентская база | 100K+ policyholders в target-регионе |
| Digital maturity | API-ready, digital onboarding |
| Wellness interest | Existing wellness programme or stated intent |
| Regulatory standing | Licensed in target jurisdiction |
5. Модель финансового воздействия
Для Wellex (per insurance partnership)
| Метрика | Conservative | Base |
|---|---|---|
| Policyholders onboarded (Y1) | 2,000 | 5,000 |
| Wellex MRR | $30K/мес | $75K/мес |
| Referral spillover (20% become partners) | 400 | 1,000 |
| Additional organic users from trust | 1,000 | 3,000 |
| Total user impact | 3,400 | 9,000 |
Для страховой (per partnership)
| Метрика | Conservative | Base |
|---|---|---|
| Claims reduction (24 month) | −8% | −15% |
| Client retention improvement | +5% | +12% |
| NPS improvement | +8 | +15 |
| New product revenue | $100K/год | $400K/год |
6. Outreach Script (для первого контакта)
Email template для Head of Innovation / VP Partnerships
Subject: Wellex × [Company] — Wellness Insurance Partnership Opportunity
Dear [Name],
I'm reaching out from Wellex — a wellness technology platform that combines biometric tracking with financial incentives to improve health outcomes.
We've built the Wellex Vitality Index (WVI), a daily health score from 0 to 100, derived from emotional state, sleep quality, and physical activity — measured through our proprietary wearable device.
We believe there's a strong strategic fit with [Company]:
- For your policyholders: WVI-based premium discounts create real motivation to stay healthy
- For [Company]: measurable claims reduction (target: −12–18% over 24 months) + differentiated product offering + daily client engagement through our APP
We're currently exploring partnership pilots in [Region] and would love to discuss a 90-day pilot with [Company].
I've attached a one-pager with our partnership framework. Would you be open to a 20-minute call next week?
Best regards, [Name] [Title], Wellex wellex.ai
Журнал изменений
▸ v1.0 (12.03.2026) — создан Opus 4.6. LOI template, 3 partnership formats, target list, financial model, outreach script.
→ Related: 22_PLATFORM_PROTECTION.md · 30_SMART_CONTRACT_INSURANCE.md · 31_B2B_PLAYBOOK.md
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