Now Available in Canada and the United States

Health Care Is Stuck on Break-Fix.
We Move It to Prevention.

Durand EHAP

An advanced EAP integrated with the world’s most advanced employer-grade predictive health testing and signal management. Saving millions in health care spend and below-the-line productivity losses.

Multiomics11 Organ Health Scores
Lab HistoryUpload Historical Blood Work
Cognitive HealthValidated Brain Assessment
Imaging HistoryUpload CT, MRI & X-Ray Reports
Family HistoryInsights to Hereditary Risk
Wearables30+ Devices Integrated
MedicationsInsights to Drug Interaction Analysis
Similar PEPM to EAP No New Budget Line Radically Better Outcomes
1–3%
Typical EAP Utilization
11
Organ Systems Scored
5–10yr
Earlier Risk Detection
100x
More Value, Not More Cost
Built with
🔒
Secure AI-Powered Health Intelligence
🔬
Epigenetic Science
🌐
Multilingual Health Agent
🧬
Navigation to Outcome-Focused Care Providers

A differentiated product your competitors can’t offer. Same client spend. Radically better outcomes.

A Better EAP — And So Much More.
For No More Money.

Employee Assistance Programs (EAPs) — the short-term counselling and crisis-referral benefit most large North American employers offer at $3–5 per employee per month — sit at just 1–3% utilization. Traditional EAPs offer a handful of counselling sessions, a phone line, and basic legal or financial advice:

  • No medical services
  • No diagnostics
  • No prevention

Durand EHAP replaces that model entirely — with a dedicated health professional and full predictive health intelligence.

More Value. Not More Cost.

  • Care navigation to matched providers
  • A personalized action plan
  • AI health coaching
  • Epigenetic testing across 11 organ systems
  • Cognitive assessment
  • 6 coaching sessions with a dedicated health professional

Funded through your client’s existing extended health benefits — all at a similar PEPM.

Retail employee checking her health results on her phone

Her Employer Replaced Their EAP.
Now She Has a Health Intelligence System.

On her break, on her phone, in her language. Everything she needs to understand her health — and what’s coming — without leaving the floor.

  • 6 sessions with a dedicated health professional — clinical assessment, personalized action plan, and navigation to the right care provider through existing benefits.
  • Home-based painless multiomic blood test — no nurse visit required
  • Health intake & family history — comprehensive baseline for personalized risk
  • Sleep & cancer screenings — early detection across multiple risk factors
  • Cognitive assessment — clinically validated brain health screening
  • 5–10 year risk prediction — cancer, cardiac, metabolic, cognitive decline
  • Upload & safely store health records — securely analyzed by AI
  • Secure AI chat — without revealing personal info, in 40+ languages
  • Care navigation — GLP-1 outcomes, women’s health, sleep, nutrition
  • 30+ wearable integrations — Oura, Apple Watch, Fitbit, Garmin & more
  • Durand protects her health data — from resale, on behalf of her employer

All included. Similar PEPM. Smarter spend for her and her employer.

Business professional reviewing financial documents

Competitive Cost

We seek to match your client's current EAP spend. They get a dedicated health professional who assesses employees across 13 clinical conditions, plus Durand's full health intelligence platform — more value from the same spend.

Professional woman presenting to clients

A Differentiated Offering

Stand out from every other broker. Offer something no one else can: home-based epigenetic testing and AI-powered predictive health, backed by a physician-led clinical team.

Medical professional with gloves handling lab sample

Millions in Savings

Help your clients reduce chronic disease costs by catching risks 5-10 years early. Our physicians and AI identify what's coming — so prevention can start before treatment is needed.

Business partners in professional meeting

Brokers Protected

Your client relationships are sacred. We work exclusively through brokers — never around them. Full transparency, dedicated support, and a partnership built on trust.

Home health testing kit on table

Home-Based. No Lab Visits.

No scheduling. No needles. No 20 vials of blood. A painless peel-and-stick collection device is mailed home. Our lab scientists analyze it — then a personalized Health Agent takes over, year-round.

Secure server room with blue lighting

Enterprise-Grade Privacy

We NEVER sell or monetize biodata. Local data centres per geography. Samples never leave North America. Legally unattainable without employee consent.

Your Employees Don't Need
Another App. They Need an Agent.

The average employee has 12 health apps they never open. Vitality, nutrition trackers, women's health, Hims & Hers — fragmented, disconnected, and abandoned. One intelligent Health Agent replaces them all.

V Vitality App 1-3% utilization N Nutrition App Abandoned week 2 W Women's Health App Siloed data, no integration H Hims & Hers No predictive insights S Sleep Tracker Just one data point M Mental Wellness No clinical validation

Vitality. Nutrition trackers. Sleep apps. Women's health. Hims & Hers. Mental wellness. Your employees downloaded them all — and abandoned them all. Because none of them talk to each other, none of them know your biology, and none of them predict what's coming.

The Replacement
One Health Agent. Every Data Source. Every Language.

He’s Not a Data Point.
He’s Invisibly Falling Through the Cracks.

Every other system waits for a crisis. DFH builds the complete picture and guides the person forward — so the crisis never arrives.

Real Scenario

A 42-year-old male employee. 250 lbs. He’s busy. He’s afraid of needles. He doesn’t have a family doctor. No bloodwork in two years. FIT test for colon screening overdue. Blood pressure and cholesterol never checked. In every other system — every wellness app, every EAP, every insurance plan — this person is invisible until a cardiac event or late-stage diagnosis costs the plan $50,000+ and the company loses a friend.

1

Full Picture Built

Epigenetics, cognitive, sleep, medical records, wearables — one holistic health intelligence profile

2

Guided Forward

AI translates the picture into plain-language guidance — what to watch, what to do, why it matters

3

Missing Signals Found

No bloodwork. No FIT test. Missing vaccines. The platform sees what’s absent, not just what’s present

4

Action Generated

NP-authorized requisitions delivered in employer-branded Health Agent with nearest lab location

5

Doctor Empowered

He’s encouraged to visit his doctor with his results — a copy is sent with his permission, bridging the gap between insight and clinical care

6

Loop Compounds

Results flow back. Picture gets richer. Guidance gets smarter. Population health improves.

DFH Legal: This functionality makes best efforts to find gaps in care and will, over time, arrange for missing screenings that are already covered by public or private health care — avoiding paying for things twice.

EHAP by Durand — Employee Health and Assistance Plan

North American employers spend $1.2 trillion annually on healthcare — almost entirely on repair. Treating disease after it arrives. Paying for surgeries, drugs, and disability after the damage is done. It’s a crash repair world with no crash avoidance system.

Why EHAP, not EAP?

Traditional Employee Assistance Programs help after problems arise — a few counselling sessions and a crisis phone line. We kept “Assistance Plan” because brokers and benefits buyers know the category. We added “Health” because that’s what’s actually missing. The Durand EHAP replaces your existing EAP with a superior model — a dedicated health professional who assesses, coaches, and navigates employees to the right care — AND adds a complete health intelligence layer: epigenetic testing, cognitive screening, AI health coaching, and continuous biological monitoring. It shifts the employer from paying to fix disease after it arrives to preventing it before it starts. Same budget line. Fundamentally different outcome.

The Repair Model

Wait for disease. Treat symptoms. Pay catastrophic claims. Lose productivity. Repeat. This is how $1.2T is spent today.

The EHAP Model

Build the complete health picture. Predict what’s coming. Intervene early. Keep employees productive. Bend the cost curve.

The Employer Impact

Healthier employees. Fewer catastrophic claims. Lower disability. Higher retention. Measurable ROI on every health dollar spent.

The Durand Difference

Every other system resets to zero.
Durand never forgets.

Every clinic visit, every EAP session, every annual checkup ends the same way. The data disappears, the relationship ends, and the next provider starts from scratch. Durand is the only platform where health intelligence is continuous and compounding. The longer you are on the platform, the smarter it becomes. Your health story is never erased.

Durand. With You for Life

Billions on GLP-1s. No Outcome Plan.
That’s Where the Millions Go.

Employers are spending thousands per employee on GLP-1 medications with no system to track whether they’re working. The drug isn’t the problem. The absence of intelligence around the drug is the problem.

Real Scenario

Maria, 38, drives for a courier company. At 200 lbs, a GLP-1 app provider puts her on medication — covered by her employer’s benefits plan at thousands of dollars per year. She loses 50 lbs and feels great. Then she stops the drug. Within 18 months, she puts back 70 lbs — ending up at 220, twenty pounds heavier than when she started. Worse: up to 40% of the weight she originally lost was lean muscle mass, not fat. Her body is weaker, her metabolism is slower, and she’s now clinically depressed. No one offered CBT alongside the drug. No one guided her on muscle-protective nutrition or resistance training. No one managed the outcome. Her employer spent thousands — and she’s worse off than before.

Weight regained within 18 months of stopping
25-40%
Of weight lost is lean muscle mass, not fat
$0
Spent on CBT, nutrition, or resistance training
$B+
In employer losses with no long-term health ROI

Sources: STEP 1 Extension Trial (2022) showed two-thirds weight regain within one year of stopping semaglutide. Oxford/BMJ meta-analysis (Jan 2026) confirmed GLP-1 rebound is faster than behavioral weight loss. Metabolism review (2025) found 25-40% of GLP-1 weight loss is lean muscle mass.

The PEPM Math Brokers Need

A single failed GLP-1 cycle costs the employer $2,000+ in drug spend — with zero long-term health ROI. The employee ends up heavier, weaker, and often clinically depressed, generating additional claims. That $2,000 failure equals approximately $167 per month in wasted PEPM — on just one employee, on just one intervention.

The Durand EHAP — which manages GLP-1 outcomes alongside CBT, nutrition, resistance training, and continuous monitoring — is Similar PEPM to EAP.

That’s a significant potential loss avoided at little to no incremental cost.

And GLP-1 is just one example. Multiply across unmanaged chronic pain, undetected metabolic risk, missed cancer screenings, and late-stage cardiac events — each a five- or six-figure cost that early detection and outcome management could help bend.

✗  The Current Approach

  • • Prescribe GLP-1 with no outcome management
  • • No CBT or mental health support alongside
  • • No muscle-protective nutrition guidance
  • • No resistance training program
  • • Patient stops drug, regains weight + more
  • • Employer pays thousands with zero long-term ROI

✓  The DFH Approach

  • • Navigate to outcome-focused care providers
  • • Full treatment beyond pharmaceuticals alone
  • • CBT and mental health support integrated
  • • Muscle-protective nutrition & exercise guidance
  • • Continuous monitoring via wearables & Health Agent
  • • Maximize health $ ROI for employer & insurer

Health Intelligence,
In Their Language

Employees don't just get data — they get understanding. Your Health Agent explains complex conditions like fatty liver, inflammation markers, and cognitive decline in plain language, in any language.

Durand Future Health

Your Health Agent

English Hindi French Spanish +40
Liver Health

Your epigenetic markers indicate early-stage fatty liver risk. Here's what that means and how to reverse it with diet and activity changes...

Risk Score: Moderate
Cognitive Health

Your cognitive assessment shows strong memory recall. Sleep optimization could improve processing speed by 12-15%...

Score: 82/100
Inflammation

Chronic inflammation markers are slightly elevated. Your Health Agent has a personalized plan involving omega-3 intake and stress reduction...

Trending Down

Your Employees Learn About Their Bodies — Not Just Numbers

Most health platforms hand people a spreadsheet. Durand gives them a conversation. Your Health Agent explains what fatty liver actually means, why inflammation matters, and what to do about it — in the language they speak at home.

AI Health Agent in 40+ Languages

Physician-supervised AI explains health results in plain language — Hindi, French, Spanish, Mandarin, and more. Employees understand their health, not just their numbers.

Conditions Explained, Not Just Flagged

Fatty liver. Elevated cortisol. Cognitive decline. Your Health Agent explains what each condition means, why it matters, and exactly what to do — personalized to their biology.

Wearable Data, Integrated

Apple Watch, Oura, Fitbit, Garmin — 30+ devices stream real-time data into your Health Agent. Sleep, HRV, activity, and more combined with epigenetic insights.

AI Video Health Reports

Every employee receives a personalized AI-generated video walking through their results, trends, and care plan — like having a doctor explain it, in your language.

Your Health Journey, Explained

Watch how Durand delivers personalized health intelligence — in English, Hindi, and any language your employees speak.

Your Health Journey

AI-generated personalized health report in English

पावेन का स्वास्थ्य सफ़र

Same health intelligence, delivered in Hindi

Beyond Blood Panels

Other blood-only testers charge $499+ for lab-based blood tests in many cases largely covered by existing insurance. We go far beyond blood.

Capability Blood-Only Testers Durand Future Health
Testing TypeBlood panels (in many cases largely covered by insurance)Epigenetic testing — 11 organ scores
CollectionIn-person lab visits, 20 vialsAt-home, painless, mail-in
What It ShowsWhere you are today (snapshot)Where you're headed — 5-10 year prediction
Cognitive Testing None Clinically validated
Sleep Analysis None Deep & REM tracking
Wearable Integration Limited/None 30+ devices
AI Health Coaching None In 40+ languages
Continuous Monitoring Snapshot only Ongoing wearable + retest
Data PrivacyMay sell data; samples overseasNEVER sell. Local data centres.

Traditional EAP vs. Durand EHAP

Similar PEPM. 100x the value. Your clients already pay for an EAP nobody uses.

Capability Traditional EAP Durand EHAP
Mental Health Support Limited counselling sessions (typically 3–8, then done) 6 coaching sessions with dedicated health professional + navigation to therapy
Epigenetic Testing 11 organ health scores
Cognitive Assessment Clinically validated
AI Health Coaching 40+ languages, physician-supervised
Sleep Analysis Wearable-integrated
Cancer & Disease Risk 5-10 year predictive outlook
Care Navigation GLP-1 outcome management & expanding provider network
Wearable Integration 30+ devices
Home-Based CollectionN/A Painless mail-in collection
Data PrivacyVaries NEVER sell data. Guaranteed.
Engagement ModelReactive — employee must self-refer during crisisProactive — home test kit, personalized Health Agent, continuous monitoring
Economic Impact$3–5 PEPM spent, no measurable cost avoidanceSimilar PEPM to EAP, with potential to avoid losses of $167+ PEPM per failed GLP-1 cycle alone
Similar
PEPM, Far More Value
11
Health Risks Identified Early
6
Dedicated Coaching Sessions With a Health Professional
30+
Wearable & Device Integrations

Get Started in 3 Steps

Match & Replace

Tell us your client's current EAP spend. We match it and replace it with the Durand EHAP — dedicated health professional, clinical assessment, care navigation, and full predictive health intelligence. Similar PEPM cost.

Deploy to Employees

Employees opt-in to testing. A painless home collection device is mailed to their door. No labs, no needles. Our clinical team onboards them and their personalized Health Agent takes over year-round.

Deliver Results

Employers see anonymized workforce insights. Employees get physician-reviewed health intelligence and a personalized care plan. You deepen client relationships. Everyone wins.

Better outcomes, not a bigger budget. Your EAP budget, finally working.

Predict. Prevent. Save Millions.

Our physicians and scientists have built the most advanced employee health assessment in the world. Your workforce gets it at the cost of an EAP you're already paying for.

The EHAP: Your EAP, Reimagined

Most Employee Assistance Programs see 1–3% utilization. Your employees don’t use them. With the Durand EHAP, you get a dedicated health professional who assesses your employees across 13 clinical conditions, builds personalized action plans, and navigates them to matched care providers — plus a complete health intelligence platform — without increasing your benefits budget.

  • Epigenetic testing with 11 organ health scores
  • Clinically validated cognitive assessment
  • AI health coaching in any language, supervised by physicians
  • 30+ wearable integrations (Oura, Apple Watch, Fitbit, etc.)
  • Predictive risk assessment — 5 to 10 years forward
  • Care navigation to vetted solutions (GLP-1)
  • Anonymized workforce health insights for HR

Home-Based Testing

No lab visits. No needles. No scheduling. A painless peel-and-stick collection device arrives at your employee's door. They mail it back. Then their personalized Health Agent takes over — year-round wellness management.

A Full Health Intelligence Stack

Built by physicians, powered by AI, validated over 4,000+ patients.

Testing & Assessment

Epigenetic testing across 11 organ systems. Clinically validated cognitive assessment. Sleep analysis. AI-powered wellness intake. All from home — reviewed by our medical team.

AI Health Intelligence

Multiple physician-supervised AI health agents. Custom health scores (the Durand Score). AI-generated video progress reports. Full EHR integration with 40% of US physicians.

Care Navigation

Direct navigation to vetted, outcomes-based solutions. GLP-1 outcome management. Real results, not just data.

Your Employees' Data Is Sacred

We built the most private health platform in the industry. Full stop.

Never Sell Data

We NEVER sell, rent, or monetize biodata. Period. Our business model is health services, not data exploitation.

Local Data Centres

Data stays in-country. Local data centres per geography. Samples never leave North America.

Vault-Level Security

Decryption keys stored in neutral jurisdiction vault. Data is legally unattainable without explicit employee consent. Audited governance.

Interested in the EHAP for Your Workforce?

The Durand EHAP is available exclusively through benefits brokers and advisors. Ask your broker about replacing your EAP with an EHAP — at a similar PEPM cost.

Don’t have a broker? We can connect you with one of our certified benefits partners in your region.

Connect Me With a Broker

Your body knows what’s coming. Advanced epigenetic health intelligence, starting at your kitchen table.

See and change the switches on key genes important for health

Understand your health across 1 million+ data points in real time.

Secure chat with AI to learn more.

Beautiful woman radiating health and confidence

Not Just Testing.
A Year-Round Health Partner.

Other consumer testing brands send you to a lab, draw 20 vials of blood, and hand you a spreadsheet of numbers. Then they disappear until next year. Durand gives you advanced epigenetic testing PLUS a personalized Health Agent that works with you every day.

Your Health Agent knows your biology, tracks your wearables, explains what fatty liver and inflammation actually mean — in your language — and guides you through a personalized wellness plan all year long.

Report review included. When your results are ready, your Health Agent provides personalized insights, ongoing wellness care management, and recommendations to help you make informed decisions about your health.

This is the future of personal health.

HSA / FSA: Durand’s health assessment may be eligible for reimbursement through your Health Savings Account (HSA) or Flexible Spending Account (FSA). Eligibility varies by plan. We recommend checking with your plan administrator or benefits provider to confirm coverage. Documentation available upon request.

From Purchase to Health Intelligence

Purchase Online

Buy your Durand Future Health assessment. Secure checkout. Your home collection kit ships within days.

Painless Home Collection

A peel-and-stick device arrives at your door — no needles, no vials, no nurse visits. Collect in minutes. Drop it in the mailbox.

Our Scientists Analyze

Our lab scientists and AI platform analyze your epigenetic markers, cognitive patterns, and wearable data to build your complete health intelligence profile.

Personal Report Review

Your Personalized Health Agent guides you through year-round wellness management in your language.

We Do What Others Can’t

Capability Blood-Only Testers Durand Future Health
Testing TypeBlood panels (in many cases largely covered by insurance)Epigenetic testing — 11 organ scores
CollectionIn-person lab visits, 20 vialsAt-home, painless, mail-in
What It ShowsWhere you are today (snapshot)Where you’re headed — 5-10 year prediction
Cognitive Testing None Clinically validated
Wearable Integration Limited/None 30+ devices
AI Health Agents None Personalized, any language
Data PrivacyMay sell data; samples sent overseasNEVER sell. Local data centres. North America only.
Continuous Monitoring Snapshot only Ongoing wearable + retest loop

Your Health Shouldn’t Require a Lab Visit

Advanced epigenetic testing. Year-round wellness management. A personalized Health Agent that knows your biology and speaks your language. Available across Canada and the United States.

Buy Now

Important Disclosures

Durand Future Health is not a medical provider and does not diagnose, treat, or cure any disease. Our health assessment is designed to provide predictive health intelligence and should be used in consultation with your physician or healthcare provider. Results are not a substitute for professional medical advice, diagnosis, or treatment.

HSA/FSA eligibility varies by plan and is not guaranteed. We recommend consulting your plan administrator, HR department, or a qualified tax advisor to confirm that this assessment qualifies under your specific plan. Documentation is available upon request.

Care navigation capabilities are actively expanding throughout 2026. Features and availability may vary by geography.

Durand Future Health does not provide tax, legal, or financial advice. We are not responsible for changes in regulations that may affect HSA or FSA eligibility.

Durand Future Health, Inc. (USA) • Durand Future Health Ltd. (Canada)

EAP Utilization Sources

Traditional Employee Assistance Program utilization is consistently reported at 2–5% across the industry. Sources include: the Society for Human Resource Management (SHRM); the Employee Assistance Professionals Association (EAPA); the National Business Group on Health; the U.S. Office of Personnel Management (OPM); Spring Health marketplace data (2025); and Uprise Health (2025). Usage-based EAP pricing models have been identified as a structural incentive contributing to low utilization. UK data from EAPA UK shows comparable patterns at approximately 5% access rates.

Year-round Access — Durand. With You for Life™

Traditional Testing Explains the Past.
Durand Empowers Your Future.

Durand Future Health combines advanced health testing, predictive health intelligence, and continuous wellness management to help people detect health risks early and make informed decisions to improve long-term health.

Available in Canada and the United States
Durand Future Health dashboard on a phone at a coffee shop table

Your data, all year — insight whenever you need it.

  • Sync your wearables and apps30+ devices, unified into one dashboard — no manual entry.
  • A Health Agent that knows your biologyAsk questions any time, in your language — not just once a year.
  • Support when you need itA crisis support line is always one tap away.
How It Works

Everything You Get, From One Finger-Stick

Biological Age & Epigenetics

Metabolic, nutrition, detox & cellular health across 11 systems — not just a standard panel.

Cognitive & Sleep Assessments

Clinically validated health screenings — done from home, no clinic, no scheduling.

Health Intelligence App

Your results, trends, and Health Agent insight, all in one dashboard, all year.

Medical History

Upload your medical history, lab results, radiology, physician notes, and medications.

Sync Your Wearable Data

30+ apps & wearables turned into insight, all year.

Optional Cancer Screening

Multi-cancer early detection, available as an add-on to your test.

Your data is stored where you live, and never sold.
Science developed with Harvard, Yale, and Duke
HSA / FSA Eligible*
Year-Round Wellness
~$1,400 in testing & analytics
$699 Local Currency
Become a Member →
*HSA/FSA eligibility is practitioner-ordered and varies. Durand can help arrange the sign-off — confirm with your plan administrator.

Ready When You Are

Durand. With You for Life

Connect With Us
For Life, Stop-Loss & Group Insurers — Durand. With You for Life™

Move Insurance From a Snapshot of Risk to an Ongoing Understanding of Health.

Insurance has traditionally been exceptionally good at assessing risk at a moment in time. Durand Future Health extends that capability after coverage begins.

Multiomics11 Organ Health Scores
Lab HistoryUpload Historical Blood Work
Cognitive HealthValidated Brain Assessment
Imaging HistoryUpload CT, MRI & X-Ray Reports
Family HistoryInsights to Hereditary Risk
Wearables30+ Devices Integrated
MedicationsInsights to Drug Interaction Analysis

From Underwriting Life Expectancy to Helping Improve It.

Life insurers possess extraordinary actuarial expertise. But much of the health information used to underwrite a policy is gathered before the policy is issued.

Swiss Re describes the industry reality directly:

“Risk factors are usually assessed only once, prior to policy inception.”Swiss Re
“Many risk factors and behavior may change over time.”Swiss Re

That creates an enormous opportunity. Durand gives life insurers an advanced health-intelligence relationship with insureds after they are bound.

Instead of limiting advanced preventive assessment to executives able to access expensive executive-health programs, Durand can bring scientifically governed annual precision testing and longitudinal intelligence to much larger insured populations. Durand’s current platform already combines advanced biological testing with cognitive, sleep, cancer-risk, family-history, wearable and medical-record signals, designed to compound year after year rather than reset annually.

Durand Illuminates the Years Between Binding and Claim.

Policy BoundClaim / Maturity
Test Understand Engage Reward Navigate Measure Adapt

Six Ways Durand Extends Underwriting Into Ongoing Intelligence.

Adaptive Precision Testing

Testing evolves as the individual’s age, history, biology, risks and available science change. The objective isn’t to run the same giant panel every year — it’s to deploy the right validated testing, for the right individual, at the right time.

Advanced Personalization

Durand continuously connects each person’s existing health information with emerging validated science and testing — building an increasingly individualized understanding of their health trajectory over time.

Policyholder Engagement

Turn an insurance relationship traditionally dominated by premiums and claims into something the insured can receive value from every year.

Personalized Rewards

Insurers can create governed incentives around meaningful participation and healthy behaviors rather than generic wellness activity — helping align policyholder health and insurer economics.

Population Intelligence

Insurers receive permissioned, appropriately aggregated population views that help identify changing risk patterns and understand engagement and health trajectories — without exposing individual employee or insured health information.

Care Navigation + Outcomes Monitoring

Where appropriate, members can be directed toward qualified care resources. Durand then helps determine whether the resulting intervention is actually improving health over time, rather than simply recording that care occurred.

Swiss Re identifies health engagement as a way for insurers to move their value proposition “from only paying claims to prevention,” while improving policyholder health, engagement and potentially mortality and persistency experience.Swiss Re

Underwrite Once. Understand Health for Years.

Durand does not replace actuarial science. It gives actuarial and insurance teams something they have historically struggled to obtain at scale: a continuously evolving view of the factors underlying long-term risk — combined with a platform designed to help insureds improve those factors.

Help Prevent Tomorrow’s Catastrophic Claim From Becoming Today’s Unavoidable Surprise.

For self-funded employers, a single serious illness can become a major balance-sheet event. And the market is getting harder.

67%
of covered U.S. workers were enrolled in self-funded health plans in 2025 — 80% at firms with 200+ employees (KFF)
75%
of self-funded workers at firms of 200+ were in plans with stop-loss protection (KFF)
23%
average medical stop-loss renewal increase for Mercer’s January 2026 cycle (Mercer)
36%
of stop-loss reimbursements were driven by cancer alone, per 2026 claims data (QBE)

The frequency of members exceeding $200,000 in annual claims increased nearly 20% year over year across conditions (QBE). This creates pressure on both sides of the transaction.

One High-Risk Claimant Can Reset an Employer’s Exposure.

When a stop-loss carrier identifies an individual expected to generate unusually high claims, it may apply a laser — a higher specific deductible for that individual than for the rest of the covered population.

Standard Deductible
$250,000
Specific deductible for the covered population
+
Lasered Claimant
$750,000
Specific deductible for the identified high-risk individual
$500,000
Additional Employer Exposure, Before Stop-Loss Protection Begins

As claims rise, carriers are tightening underwriting, imposing higher lasers and stricter terms, and becoming less aggressive in quoting higher-risk groups (BBrown Insights).

Earlier Understanding. Better Action. Better Odds.

Traditional stop-loss intelligence is largely built around claims, utilization and known diagnoses. Durand introduces an additional layer: longitudinal biological and functional intelligence before some risks become catastrophic claims.

$250K $500K $1M $2M+ DURAND ACTS UPSTREAM Time Since Enrollment Catastrophic Claim Zone

Illustrative claims trajectory — Durand engages upstream, before risk reaches the catastrophic-claim zone.

Emerging Risk
Earlier Detection
Engagement
Navigation
Outcome Monitoring

Durand cannot promise to prevent a catastrophic claim — and no credible platform should. But detecting emerging risk sooner, engaging the member, navigating them toward appropriate care and monitoring whether that care is actually producing a better outcome can materially improve the opportunity to alter some health trajectories before they become far more serious and expensive.

With individual catastrophic claims increasingly reaching seven figures, avoiding, delaying or reducing the severity of even one major claim could potentially offset the cost of providing Durand across a substantial employee population.

The Economic Asymmetry

Small investment across the population. Potentially enormous impact at the tail of the risk curve.

Precision That Changes as People Change.

Durand is not an annual screening program. The Durand Adaptive Health Intelligence Platform learns longitudinally.

The Individual
Precision Testing
Biology & Multi-Omics
Sleep, Cognition & Function
Wearables & Real-World Data
History & Health Records
Care & Intervention Outcomes
Year 1
Year 2
Year 3
Year 4
Life

The testing changes because you change.

Precision Testing

Advanced testing adapts over time as age, health, risk, science and prior findings change.

Longitudinal Intelligence

Every assessment adds to the individual’s historical health record rather than starting again from zero.

Population Views

Permissioned, aggregated intelligence gives insurers and appropriate enterprise stakeholders visibility into trends across populations without turning individual health data into an employer surveillance tool.

Personalized Rewards

Engagement and incentive structures can be tailored around meaningful participation and behavior rather than generic activity metrics.

Care Navigation

When risk or need is identified, members can be connected with qualified resources rather than being left alone with another dashboard or test result.

Outcomes Monitoring

Durand follows what happens next — helping determine whether navigation and interventions are actually improving biology, function and health trajectory over time.

Aggregated Insight, Not Individual Surveillance.

Permissioned, appropriately aggregated population views help insurers and appropriate enterprise stakeholders identify changing risk patterns — without turning individual health data into a surveillance tool.

Population TrajectoryEmerging Risk PatternsEngagementNavigationOutcome Movement

Better Understanding for the Individual.
Better Risk Intelligence for the Insurer.

Bring Adaptive Health Intelligence to Your Block

Let’s discuss how the Durand Adaptive Health Intelligence Platform fits your underwriting, engagement or stop-loss strategy.

Connect With Us

Same Spend. Smarter Spend.
Less Spend Over Time.

Give your clients something they’ve never had at renewal: a reason to believe next year will cost less. Not because benefits were cut — because disease was prevented.

Durand. With You for Life

Contact Us

Available in Canada and the United States