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For insurers and healthcare enterprises.

Kwelix shows a health insurer’s care team which members may need help with their medication, and what drives each score, so outreach goes where it matters first.

How it fits together

From a dose at home to a call that matters.

How POP by Kwelio, Kwelix and LioBox fit together for an insurer’s members.

Kwelio

Kwelio

Builds POP by Kwelio, Kwelix and LioBox, and onboards each insurer.

Onboards the insurer as a client

Health insurer

Your insurer

Offers the programme to its members and runs the care team.

Invites members with an insurer code

At home

Members

People with long-term conditions, keeping to their own medication schedule.

Sign up with the code and log each dose

Member app

POP by Kwelio

Q4 2026

The Pop ritual: reminders, a dose log with photo capture confirmed against the schedule, interaction notices and Lio Points.

Each member’s medication score and whether they might need support. Never photos or daily logs.

Insurer dashboard

Kwelix

Demonstration data

A prioritised outreach queue built on KAS and KIS.

A short list of who to reach first. Your care team decides.

At home, beside the app

Dispenser

LioBox

Kwelio’s own dispenser, designed from scratch. Today’s LioBox is manual and comes with Beads by Kwelio. The next one, in development with Dubai Health Innovations, dispenses each dose on schedule and syncs with POP by Kwelio.

In collaboration with

Insurer platform

Kwelix

The insurer dashboard behind POP by Kwelio. It turns members’ dose records into two scores and a short, prioritised outreach queue for your care team.

Kwelio prioritises. Your care team decides.

Kwelix is built and running on demonstration data. The first insurer deployment happens at pilot.

  1. KAS

    Adherence measurement

    How consistently each member keeps to their medication schedule, from 0 to 100 over a rolling 30 days, weighted by how critical each medicine is. Built from logged doses and photo capture confirmed against the schedule, not from surveys.

  2. KIS

    Intervention priority

    The likelihood of a lapse and how much it would matter, so outreach starts with the members it would help most. Your team sets the alert threshold within published ranges.

  3. Queue

    Outreach queue

    When a member puts a plan medicine on hold, it reaches the queue for the care team to confirm. The reason appears only with the member’s consent to outreach.

  4. Portfolio

    Portfolio view

    Trends across your members. Members still calibrating, without enough history for a score, are left out of cohort figures.

A proven idea

Measuring what people do changed lending and car insurance. Medication is next.

When a market can see what people actually do, it stops guessing. Kwelio brings that shift to the medicines people take at home.

  1. Lending · 1989

    The credit score

    The FICO score turned a payment history into one number. Lenders use it to decide who qualifies, and on what terms. American Express

  2. Car insurance · late 1990s

    Telematics

    A small device plugged into the car, and now a phone app, records how people actually drive: miles, time of day, hard braking. Insurers can price for the risk each driver really carries, so careful drivers benefit. NAIC

  3. Medication · now

    KAS, the Kwelio Adherence Score

    The doses a person logs become one consistent measure, from 0 to 100 over 30 days. Their care team can see who might need support, and members earn Lio Points for keeping to their schedule. During pilots, the score is never used for cover or premiums.

Healthcare is already moving this way. In the UK, an NHS study is testing connected inhaler sensors that record each dose and share it with a child’s medical team. NIHR Leicester BRC, 2024

The science

Two scores. One outcome.

The formulas are fixed and versioned. Each insurer sets only its own alert thresholds, within published ranges.

KAS Kwelio Adherence Score

How consistently members keep to their medication schedule

A score from 0 to 100 over a rolling 30 days: completion weighted by how critical each medicine is, photo-assisted logging, timing, and runs of missed doses. No score until a member has 14 days and 10 scheduled doses.

KIS Kwelio Intervention Score

Who is likely to lapse, and how much it would matter

Combines the likelihood of a lapse with its consequence, so a care team knows whom to contact first.

0.88

AUROC 0.88 on CMS DE-SynPUF (US Medicare synthetic claims), 2.1M de-duplicated records. It shows the method works; it is not yet proven on a UAE cohort. The score weights are expert-set and will be refitted on the first real cohort.

The business case

What keeping to medication is worth.

In a US study of over 857,000 chronic patients, adherence was associated with annual medical cost savings of roughly $4,400–$5,300 per patient with comorbidities. Non-adherence is associated with up to 10% of US hospital admissions, and accounts for 33–69% of medication-related hospitalisations.

  • 50%

    In developed countries, adherence to long-term therapy for chronic illness averages around 50%.WHO, 2003

  • 20.7%

    of UAE adults live with diabetes on an age-adjusted basis — among the highest prevalence rates in the world.IDF, 2024

Data and privacy

How pilot data is handled

These terms go into each pilot agreement, and members are told them in plain words.

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.
A white LioBox mounted on a wall, a strip of sachets hanging from its slot, with the shadow of a hand reaching for it
The original LioBox

In development

Adherence Packaging and the next LioBox

With Dubai Health Innovations, part of Dubai Health, we are developing the next LioBox and Adherence Packaging. The next LioBox is automatic: synced with POP by Kwelio, it dispenses each sachet at the scheduled dose time, for prescribed medicines as well as supplements. Members who find an app a chore, often older members, can keep to their schedule with less effort.

Neither is available yet. Today’s LioBox, designed from scratch by Kwelio, is manual and already comes with Beads by Kwelio supplement orders.

  • Dispenses each dose at its scheduled time
  • Synced with POP by Kwelio
  • One sachet for each time of day, printed with the day and time
In collaboration with

For health insurers

Ready to make adherence visible?

Book a 30-minute demo. We’ll walk you through Kwelix, the KAS and KIS scores, and how a pilot works.