- What the insurer sends
- A pseudonymous file: member IDs, ICD-10-CM codes for chronic conditions, the medication list in UAE drug codes, age band, eligibility dates, four clinical-event flags, an aggregate baseline cost and a dispensing file. No names, dates of birth or Emirates IDs. The insurer holds the re-identification key.
- What your care team sees
- Each member’s medication score and whether they might need support. Not photos, not daily logs. Individual reasons only with the member’s consent to outreach.
- Cover and premium
- No underwriting or premium use during pilots; this is in the contract. Members are told that taking part does not affect their cover, premium or claims.
- Data protection law
- UAE Federal PDPL (45/2021), ADGM Data Protection Regulations 2021, and the GDPR where it applies. Lumio Holdings is the controller and Kwelio Labs the processor.