Turn caregiving into a competitive policy advantage

Support policyholders at scale through life moments with digital guidance and expert human support driving policy value, improving engagement, and helping you be there for members and their families on claims.

Caregiving is shaping insurance outcomes

Caregiving needs increasingly shape how individuals use insurance, manage risks, and make decisions during major life transitions.

Care-driven insurance use

Caregiving responsibilities influence how policyholders engage with their insurance coverage, manage health risks, and navigate major life transitions.

Risks without support

Without structured support, families often struggle to coordinate care, understand benefits, and access available services—leading to avoidable hospitalizations, earlier institutional care, and rising claims costs.

Caregiving by the numbers

For insurers, supporting caregivers earlier improves outcomes while helping manage risk across large policyholder populations.

• 73% of U.S. adults have caregiving responsibilities.
• 60% of caregivers report clinical levels of stress.
• 20% of caregivers have taken a voluntary leave of absence.

Caregiving gaps increase risk and claims costs

When families lack guidance navigating caregiving decisions, insurers often see the impact across claims, utilization, and policyholder engagement.

Without structured caregiving support, insurers face higher claims costs and weaker policyholder engagement.

Preventable care events

Falls, hospitalizations, and emergency visits increase when caregivers lack guidance.

Earlier institutional care

Members often transition to higher-cost care settings sooner without support.

Underutilized coverage

Policyholders frequently struggle to understand or activate available benefits.

Policyholder and family engagement gaps

Insurers miss opportunities to build trust and relationships during critical life moments.

A caregiving solution that deepens client trust

Caregiving shapes critical financial decisions, and Homethrive extends the value of insurance by supporting policyholders and their families through the moments that impact both health outcomes and long-term financial outcomes.

Through predictive digital tools and expert Care Guides, insurers can deliver scalable caregiving support across large populations while improving engagement and outcomes.

By supporting policyholders earlier, insurers can improve health outcomes while delaying or reducing high-cost care utilization.

Living benefit for policyholders

Provide meaningful support policyholders experience today, strengthening engagement and helping differentiate your products in a competitive market.

Aging and complex care coordination

Support families managing aging, long-term care planning, Medicare decisions, and the coordination of chronic or complex health needs.

Benefits and coverage navigation

Help policyholders understand their benefits and activate available services.

Illness & Loss Support

Practical and emotional support during illness and bereavement, improving claims satisfaction.

Better support leads to stronger insurance outcomes

Insurers partnering with Homethrive see measurable improvements across policyholder outcomes and claims performance.

• 17% reduction in policyholder attrition
• 1.5 family members engaged
• 13.8% utilization rate
• 4.8/5 satisfaction

Insights for insurers

Improve policyholder outcomes, claims satisfaction, and product differentiation.