Introduction

For internationally mobile workforces, traditional insurance has long worked on a simple premise: cover what goes wrong. But as the global workforce becomes more dispersed, operating across time zones, healthcare systems and cultures, the limitations of that reactive model are becoming increasingly clear. The real drivers of health risk are often modifiable: physical inactivity, poor sleep, stress and social isolation. They accumulate quietly, long before a claim is ever filed.

Unisure recognised this. And rather than waiting for health events to occur, they chose to act earlier, collaborating with Strove to bring a proactive, preventive health platform to their members under the Unisure Strove App.

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The challenge: serving a workforce without borders

Unisure's members don't sit in a single office. They're expats, globally mobile professionals and internationally deployed teams who face a common problem: fragmented access to health support that was designed for a different era.

Existing wellness tools often depend on static, one-off assessments or rely heavily on self-reported data that's easy to ignore and hard to act on. For a population spread across multiple regions and healthcare systems, the need was clear: a consistent, always-on health framework that doesn't depend on where someone happens to be located.

The Unisure Strove App was built to fill that gap, complementing Unisure's existing insurance benefits with daily health engagement, behavioural insights and early risk awareness.

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From static cover to continuous care

At the heart of the platform is the Strove Score: a composite health metric that reflects how a member's wellbeing is trending over time, rather than offering a single-point snapshot. The approach is designed to make health insight feel actionable and ongoing, not clinical or intrusive.

Physical health indicators are tracked through smartphone-based optical sensing, enabling members to complete quick biometric facial scans to estimate selected vital markers. Lifestyle behaviours, activity and sleep are captured automatically through integrations with a wide range of wearable devices, while mental wellbeing is supported through clinically recognised screening tools embedded in the app.

The emphasis throughout is on trend awareness and behaviour change. By translating complex health data into simple, personalised feedback, the app helps members understand how everyday choices connect to longer-term risk, particularly valuable in environments where routine preventive care may be harder to access. Employers and HR teams also benefit from aggregated, anonymised insights that support better workforce strategies and a more proactive approach to managing health-related costs.

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"The global insurance market is finally catching up to 'Health 3.0', where health is a continuous, data-driven daily practice. Our collaboration with Unisure shows how preventive medicine and behavioural science can work together. We are not simply measuring risk; we are actively helping members reduce it."

Dr Jarrad Van Zuydam, Chief Medical and Innovation Officer, Strove

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An engagement model that goes wherever the member does

Sustaining healthy behaviours is hard at the best of times. For a globally mobile workforce, the usual barriers, inconsistent environments, long hours, and unfamiliar locations are amplified. The Unisure Strove App addresses this through a reward-based engagement model, where members earn points by completing wellbeing activities, with higher rewards unlocked as their Strove Score improves.

Points can be redeemed across multiple regions, ensuring the incentive structure remains relevant and motivating regardless of where in the world a member happens to be. It's a model built around the reality of global mobility, not in spite of it.

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"Globally mobile workforces are exposing the limitations of static wellness programmes and one-off risk assessments. This collaboration shows how insurance providers can evolve beyond engagement tools towards a system that delivers measurable insight over time, without adding complexity for members."

Chris Bruchhausen, CEO, Strove

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A new chapter in Unisure's commitment to end-to-end protection

For Unisure, this collaboration is a natural extension of the values the company has long held: portability, reliability and genuine care for member outcomes. The app isn't positioned as a replacement for insurance cover. It's what happens between claims. Consistent, intelligent support that follows members throughout their health journey, not just when something goes wrong.

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"Our aim has always been to provide end-to-end protection that works wherever our members are. By integrating Strove's technology, we are extending that commitment beyond claims cover into everyday care, supporting our members not only when something goes wrong, but throughout their health journey, every day."

Justin Dexter, Group CEO, Unisure Group

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Conclusion

The Unisure Strove App reflects a broader shift happening across the international insurance sector: from incident response towards continuous, preventive engagement. For globally mobile workforces, and the insurers who serve them, the question is no longer just where members are covered, but how their health is supported every day.

Unisure and Strove are showing what that looks like in practice: a platform that combines preventive health, behavioural engagement and insurance infrastructure into something that genuinely moves with the member.

‍Want to explore how Strove can help your organisation or members stay healthier, wherever they are? Get in touch