When asked how Clara is able to offer such a comprehensive benefit, Gidwaney replied: “It’s philosophical.

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It’s not about data and technology advantages – although they do enable us to do this better – it’s more about philosophy. If you look at supplemental benefits historically – let’s use critical illness as an example – an incumbent policy might pay $30,000 to someone who suffered a heart attack. That’s a lot of money, which obviously is great and useful for the claimant. But the problem is, that’s actually a lot higher than most people need.