“Human behaviour is, for me, so beautifully complex.”
When Shabana Patel, Senior Manager: Data Strategy at Medihelp Medical Aid, reflects on nearly two decades in the healthcare industry, one realisation stands out: understanding behaviour – not just risk – can unlock far better outcomes. And data is the key.
Early in her career as part of an actuarial team, data was primarily used to predict risks, forecast costs, and manage solvency. But Shabana’s curiosity (one of her core values) led her to ask, “What if we use data to improve members’ experiences or healthcare outcomes?”
That spark of curiosity turned into something transformational. By understanding the stories behind the data, she realised Medihelp could deliver personalised, timely nudges that make it easier for members to prioritise their health – without overwhelming them.
The teachings of a pioneering example
A standout example of this thinking is Indlela (“the way” in isiZulu), an initiative supported by the Bill and Melinda Gates Foundation at the University of the Witwatersrand’s Health Economics and Epidemiology Research Office and the University of Pennsylvania Center for Health Incentives and Behavioral Economics.
Indlela’s mission is to improve public sector health delivery through behavioural insights. Among their early initiatives was a randomised trial of “fresh-start” text messages that aligned with dates that signal new beginnings, like the start of a month. These messages successfully re-engaged patients who had dropped out of HIV care. Another pilot explored the use of scratch card calendar incentives to reinforce adherence to antiretroviral therapy.
While adherence clubs and other support structures have long existed in the broader South African HIV care context, Indlela’s distinctive focus has been on rigorously testing and scaling behavioural nudges through a dedicated behavioural lab in Johannesburg. Their work demonstrates how low-cost, data-informed interventions can meaningfully shift health behaviours.
Making health easier, convenient, and personal
Knowing that exercise or chronic medication adherence is good for you doesn’t guarantee action. Life gets busy, and health often feels like a problem for the future. But what if your medical aid sent you a personalised message to empower you to take charge of your health – prompts like, ‘Just one more gym visit to reach your weekly goal’ or ‘Well done for not missing a dose of your diabetes medication’?
“When healthcare data is packaged in a way that feels personal and encouraging, members are more likely to act,” Shabana explains. “And when the scheme makes it easier with things like online bookings and rewards, trust grows. Over time, this transforms the relationship into a wellness partnership. It’s a shift from compliance to collaboration.”
A medical scheme for everybody
Medical schemes of the past focused on enabling access. Today’s successful ones influence outcomes. Through data, they can nudge members towards healthy habits, help manage chronic conditions, and foster accountability.
“Our marketing campaign at Medihelp talks about being a medical aid for everybody – whether you’re a homebody, an ambitious body, a kind body, or an active body. But what truly connects us is a proactive attitude,” says Shabana. “Proactive doesn’t mean that you have to be perfect – or that you can’t get sick and put in a claim. It means curiosity, commitment, and small acts of care, honouring your body and the system that supports you.”
It’s about you, always
Shabana understands that data can be cold, but the people behind it shouldn’t be. Her leadership values – curiosity, kindness, excellence, and empathy – guide her team to communicate insights with warmth and purpose.
Take the example of Spotify Wrapped. “Just as it reflects your year in music, we want to reflect you: the personality behind your health data,” she explains. That might mean a reminder on your phone, a congratulatory message, or a helpful insight. “It’s your health, your habits, your preferences. It is wellness tailored just for you.”
Healthcare is deeply personal. That’s why nudges need to be subtle, contextual, and kind. For Shabana, this is more than strategy; it’s stewardship. “We don’t just use data to predict risk. We use it to build healthier futures.” In a complex world, small nudges might just make the biggest difference.
More about Shabana
For almost two decades, Shabana has been at the intersection of data, healthcare, and innovation. She has witnessed analytics, AI, and behavioural science reshape how medical schemes operate, improving decision-making and member outcomes. With a background in actuarial and data science, she is passionate about transforming complex data into strategic, human-centred solutions to create real impact.
At Medihelp, she champions data-driven transformation, ensuring that AI and analytics are not just technical tools but also key influencers of efficiency, personalisation, and ethical innovation. As Medihelp’s AI business owner, she advocates for responsible AI adoption, balancing innovation with transparency, trust, and member well-being.
Beyond data, she is fascinated by behavioural psychology: how and why people make decisions and how small nudges can guide healthier behaviour. This perspective informs her approach to designing intuitive, human-aligned analytics and AI solutions. Outside of work, she finds joy in her family, being creative, and continuously learning, because the best insights often come from the most unexpected places.
Medihelp : Shabana : Lifestyle and Tech