Shimalia — For Insurers
Precision wellness to reduce chronic-disease risk across insured populations.
Data-led, personalised, measurable.
1 — The Insurer Challenge
Chronic disease is measurable, modifiable and preventable.
Long-term claims are driven by a complex set of biological and lifestyle factors — most of which can be identified early and improved with targeted intervention.
Shimalia addresses the deepest drivers of disease, including:
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Metabolic dysfunction (HbA1c, fasting glucose, insulin resistance)
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Cardiovascular risk (ApoB, LDL particles, triglycerides, visceral fat)
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Chronic inflammation (hs-CRP, GlycanAge inflammatory age)
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Hormonal imbalance (thyroid, cortisol, oestradiol, testosterone)
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Micronutrient deficiencies (Vitamin D, Omega-3, B12, Magnesium, Zinc, Iron)
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Stress & sleep dysregulation
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Visceral fat & muscle decline
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Gut health & nutrient absorption
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Lifestyle drivers and biological age acceleration
Shimalia offers insurers a clear, structured way to measure and modify these risks at scale.
2 — The Shimalia Precision Framework
A modern, evidence-led approach to reducing claims.
Biomarker Science
A comprehensive health mapping including:
ApoB, lipid particles, HbA1c, inflammation, hormones, Omega-3, Vitamin D, B12, Magnesium, Zinc, Iron and more.
Biological Age
Tracks immune-ageing and systemic inflammation — a powerful predictor of long-term morbidity.
Body Composition
Advanced analytics measuring visceral fat, segmental muscle mass, metabolic rate and electrodermal stress signals.
Precision Nutrition & Guidance
Evidence-based nutritional and micronutrient programmes tailored to each member, reinforced by monthly personalised support.
3 — Measurable Outcomes in 3–6 Months
Delivering actuarial-ready improvements.
Cardiovascular Risk Reduction
ApoB ↓ · Triglycerides ↓ · LDL particle quality ↑ · VAT ↓
Metabolic Health Improvement
HbA1c ↓ · Glucose regulation ↑ · Insulin sensitivity ↑
Inflammation Reduction
hs-CRP ↓ · GlycanAge ↓
Micronutrient Restoration
Vitamin D ↑ · Omega-3 ↑ · B12 ↑ · Magnesium ↑ · Zinc ↑
Body Composition Evolution
Visceral fat ↓ · Muscle mass ↑ · Metabolic rate ↑
Lifestyle & Wellbeing
Sleep ↑ · Energy ↑ · Stress resilience ↑
4 — The Shimalia Insurer Dashboard
Clear insights. Clean visuals. Actionable data.
Shimalia provides an actuarial-friendly dashboard showing:
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Pre/post biomarker improvements
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Cohort-level cardiometabolic, inflammatory and nutritional change
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Visceral fat & muscle mass trends
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Biological-age shifts
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Stress, sleep and lifestyle engagement
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Predictive indicators of reduced future claims
All reports are anonymised, secure and delivered as PDF or live dashboard links.
5 — Scientific Evidence
Our method is supported by leading clinical research.
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ApoB is the strongest predictor of cardiovascular events (JAMA).
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Omega-3 improves lipid profile, inflammation and ApoB (REDUCE-IT).
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Visceral fat drives cardiometabolic disease more than BMI (Obesity; JAMA).
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HbA1c improvement reduces long-term complications (UKPDS).
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hs-CRP predicts cardiovascular events even with normal cholesterol (NEJM).
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Vitamin D, B12, Magnesium and Zinc deficiencies increase morbidity.
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Nutrition interventions reduce chronic disease (PREDIMED, DASH).
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Biological age reduction correlates with improved health trajectories.
6 — Pilot Programme
A low-commitment way to assess measurable value.
20–50 members
3–6 months
Includes:
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Full biomarker panel incl. ApoB, hormones & micronutrients
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GlycanAge biological age test
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Withings Body Scan metrics
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Precision nutrition programmes
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Monthly personalised guidance
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End-of-programme re-testing
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Full insurer dashboard & outcome report
7 — Insurer ROI
The commercial case for prevention.
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Reduction in high-cost cardiovascular & metabolic events
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Lower medication & management burden
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Improved micronutrient sufficiency → fewer short-term claims
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Better sleep, stress & productivity
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Reduced biological age → reduced long-term risk
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Higher member satisfaction & retention
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Clear actuarial insights to inform risk modelling
A modern route to sustainable long-term wellbeing for your insured population.
Partner With Us
Shimalia offers insurers a sophisticated, evidence-led pathway to healthier members and lower long-term risk exposure.