Estonia leads the way for digital health care drive

Estonia is leading the way in how the world could one day become 100 per cent digital, with health care the most likely industry to improve as a result.

On day two of Arab Health 2025, delegates from the Baltic state, which has a population of about 1.3 million, were displaying the latest developments in a digitalised society that has become a beacon for the rest of the world.

The foundation stone for Estonia’s digital ecosystem has been in place for more than 20 years, with almost all government services now online, and records held securely for users and government departments to access with a few smartphone finger swipes.

Estonians can now access all government services through a portal using a single, centralised log-in, connecting them to an entire online network, from education and employment records, to marriage and divorce.

But it is in the healthcare sector, where the country is 100 per cent digital, that the results are proving most transformative. With patient permission, doctors can access entire medical history, from dental records to prescriptions and scan results.

Agreements are also in place for records to be shared among neighbouring countries under agreed partnerships, allowing Estonians to collect medication in nations such as Latvia and Finland.

Model nation

Estonia's data-driven network came first in last year's Digital Health Index by Bertelsmann Stiftung, making it a model that is being replicated not only in the UAE but across the world.

“Digitalisation started in 1996 when the government actually took the decision to bring computers to all schools and everybody got access to some first level programming,” said Reet Reinart-Okugbeni, a leading R&D expert at Estonia’s Applied Research Programme.

“It has been very gradual but it has prepared the country for this process. Now you can access most of your health history from this one platform. We can access records from our mobile phones to see the different appointments we've taken and the different kind of prescriptions we were prescribed.”

Reet Reinart-Okugbeni, of Estonia’s Applied Research Programme, was speaking on day two of Arab Health 2025 in Dubai. Chris Whiteoak / The National

The digital process uses emerging technology and digital tools that can help diagnose ailments in the home and better manage patient flow through health systems. By cutting the need for physical movement, processes can be more easily automated, preparing health systems for advancements in technology.

"Our fully integrated digital health system empowers every citizen with secure access to their online health records, seamlessly connecting data from healthcare providers across the nation,” said Maria Belovas, Estonia’s ambassador to the UAE. “This initiative exemplifies how a collaborative approach between state-backed innovation and private-sector expertise can revolutionise healthcare accessibility and enhance efficiency.”

The country is also developing home-grown solutions to tackle everyday health challenges for Estonians. Estonia’s pioneering e-prescription system, Helmes, connects doctors, pharmacies and patients to enhance efficiency, while the National Health Record, Nortal, uses blockchain security for data integrity, ensuring transparency in all digital systems.

Superbrain

Another Estonian device is the Superbrain headset by Tallinn company, 7Sense. The €9,000 ($9,384) device uses patented haptic technology that helps blind people safely navigate the outside world, similar to a guide dog.

A number of cameras monitor the surrounding area, creating soft touch-like sensations to warn users of objects and hazards.

“This device allows the blind to feel the surrounding environment with the sense of touch, they can feel the surrounding objects, motion and speed,” said Madis Paev, co-founder of 7Sense. “Usually if you hand something to a blind person, you have to take their hand and put the object there. With this device they can actually understand where the object is.”

The headset has been designed and manufactured in Estonia, from where it is also being sold. It is also being used in Germany and the UK.

Dr Fahed Al Marzooqi, chief executived of Integrated Health Solutions platform M42. Chris Whiteoak / The National

What about the UAE?

The UAE is fast catching up with the digital success of Estonia and is leading the way in its own transformation in Gulf countries.

“In Abu Dhabi I can comfortably say we are 100 per cent digitised through our Health Services platform, Malaffi,” said Dr Fahed Al Marzooqi, chief executive of integrated health solutions platform M42. “All of the hospitals are connected, as are the labs and pharmacies.

“So if you see a physician in Cleveland Clinic AD and then later a physician in NMC, we can see your journey digitally, what has been ordered, what has been prescribed and what tests you have gone through. This is providing optimal care to the patient and expediting care delivery. It is also minimising harm and impacting healthcare expenditure because we're not repeating tests.”

Innovation and the use of AI is also a key part of the digital transformation across many of the UAE’s private facilities, including at Saudi German Hospital.

The hospital group recently partnered with iO Health to integrate AI in all its operations, including clinical decision-making and to optimise resources.

It also aims to simplify complex healthcare pathways, improve patient engagement and also hand doctors the most advanced tools for more precise treatments.

“This is a pivotal step in our journey toward a fully digitalised healthcare ecosystem,” said Dr Ahmed Eissa, Group CEO of Saudi German Hospital, UAE.

“By integrating AI into our operations, we are not just improving efficiency; we are transforming the way healthcare is delivered in the UAE.

“Our focus is on creating a system that empowers patients, supports clinicians, and ensures better health outcomes.”

Arab Health 2025 - in pictures

Abdul Jabar Qahraman was meeting supporters in his campaign office in the southern Afghan province of Helmand when a bomb hidden under a sofa exploded on Wednesday.

The blast in the provincial capital Lashkar Gah killed the Afghan election candidate and at least another three people, Interior Minister Wais Ahmad Barmak told reporters. Another three were wounded, while three suspects were detained, he said.

The Taliban – which controls much of Helmand and has vowed to disrupt the October 20 parliamentary elections – claimed responsibility for the attack.

Mr Qahraman was at least the 10^th candidate killed so far during the campaign season, and the second from Lashkar Gah this month. Another candidate, Saleh Mohammad Asikzai, was among eight people killed in a suicide attack last week. Most of the slain candidates were murdered in targeted assassinations, including Avtar Singh Khalsa, the first Afghan Sikh to run for the lower house of the parliament.

The same week the Taliban warned candidates to withdraw from the elections. On Wednesday the group issued fresh warnings, calling on educational workers to stop schools from being used as polling centres.

UAE currency

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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.

Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.

“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.

Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.

“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.

Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.

From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.

Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.

BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.

Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.

Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.

“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.

Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.

“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.

“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”

The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”

PROFILE OF SWVL

Started: April 2017

Founders: Mostafa Kandil, Ahmed Sabbah and Mahmoud Nouh

Based: Cairo, Egypt

Sector: transport

Size: 450 employees

Investment: approximately $80 million

Investors include: Dubai’s Beco Capital, US’s Endeavor Catalyst, China’s MSA, Egypt’s Sawari Ventures, Sweden’s Vostok New Ventures, Property Finder CEO Michael Lahyani

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