UnitedHealth Fitsurance Mobile Application

PROJECT CHARTER

Version 1.0
03/19/2020

Team 1
Divya Rikhari
Madhuparna Upadhyay
Filippo Alberganti
Ramez Mikhail
Omar Elfeky
Tabea Dahn

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VERSION HISTORY

Version Implemented Revision Approved Approval Reason

# By Date By Date

1.0 Divya Rikhari N/A Ramez 03/19/2020 First version approved.

Mikhail

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TABLE OF CONTENTS

1 Introduction 4
1.1 Purpose of Project Charter 4
2 Project And Product Overview 4
3 Justification 4
3.1 Business Need 4
4 Scope 5
4.1 Project Objectives – S.M.A.R.T. 5
4.2 High-Level Requirements 6
4.3 Major Deliverables 7
4.3 Boundaries 8
5 Duration 9
5.1 Timeline 9
5.2 Executive Milestones 10
6 Budget Estimate 12
6.1 Funding Source 12
6.2 Estimate 12
7 Project Procurement 14
7.1 Procurement Approach 14
7.2 Procurement of Security Testing 14
7.3 Procurement of Customer Feedback 14
7.4 Procurement of other External Resources 15
8 Assumptions, Constraints And Risks 15
8.1 Assumptions 15
8.2 Constraints 16
8.3 Risks 16
9 Project Quality management approach 17
9.1 Overall Quality standards 17
9.2 Key Quality measures 17
10 Project Organization 19
10.1 Roles and Responsibilities 19
10.2 Stakeholders (Internal and External) 21
11 Project Sustainability Strategy 22

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12 Project Charter approval 23

13 Bibliography 24

1 INTRODUCTION

1.1 PURPOSE OF PROJECT CHARTER

The purpose of the project charter is to ensure that all contributors are in alignment with the
project’s goals and priorities. It will clearly outline the scope and objectives to develop the
fitsurance application, identify all stakeholders, estimate budget and assess possible risks.

2 PROJECT AND PRODUCT OVERVIEW

UnitedHealth Group plans to develop an application designed for its customers that incentivizes
certain health and fitness milestones with health-insurance discounts, provides them online
consultations, and gives them an option to book appointments. The application will also provide
UnitedHealth Group more data on its customers’ behaviours and tendencies. The total estimated
project budget is $ 111,856 and it is estimated that the total project will take 98 days.

3 JUSTIFICATION

3.1 BUSINESS NEED

“Over the next ten years, total healthcare spending in the United States is projected to grow from
$3.4 trillion today to $5.4 trillion by 2024, resulting in higher healthcare costs for individuals,
employers, states and the federal government.” (United Healthcare, 2019).

Due to this continual rise of healthcare costs in the United States, there will likely be a rise in
demand for health insurance coverages. As the healthcare costs increase, it will be more difficult for
the patients to cover these on their own. Further, the last few years have seen the largest number of
Americans engaging in any kind of physical activity and exercise (CDC, 2018). An increase in
exercise or physical activity leads to a healthier lifestyle, which has the potential to cut healthcare
costs and increase savings for many customers and encourage them to exercise.

Therefore, both the aforementioned points lead to a reasonable conclusion that a project as such will

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only add value to UnitedHealth’s customers and the American healthcare system.

3.2 Strategic Alignment

The fundamental selling point for a project such as this is the ability for the end product to appeal to
both the consumer and the adopting corporate unit (UnitedHealth Group). The development of
specific and research-backed metrics for health improvement (e.g. steps taken per day) will serve as
monetary incentives for consumers looking to decrease health insurance costs. This also focuses
on increasing revenues for UnitedHealth Group through smaller insurance claims, due to a
generally more health-aware and health-incentivized client base, as well as improve the corporate
image of traditional insurance entities and their exorbitant monthly fees.

In short, a monthly-savings price model for healthier clients serves to increase profits for
UnitedHealth Group, propel them into a new era of customized insurance plans, and also develop its
strategic image as a provider of health coverage for the people it serves: a cohesive project aimed at
underlining UnitedHealth Group’s bold embrace of digitalization and fundamental business
transformation.

4 SCOPE

The scope of the product includes the development of a mobile application (App) to track the
physical activities of the tech-savvy users, which would not only keep them fit but also add health
benefit points for the customer’s insurance.

4.1 PROJECT OBJECTIVES – S.M.A.R.T.

The objectives of the UnitedHealth Fitsurance Mobile App are as follows:

User Interface:
● Capture USER DATA INPUT for weight, height, physical activity
● Daily measure of the STEP COUNT of users
● Daily measure of the DISTANCE (in miles) covered by walking, running by users
● Daily measure of CALORIES lost by users

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● Ability to Book DOCTOR APPOINTMENT and HOME MEDICAL TEST

● Ability for ONLINE CONSULTATION
● Ability to opt for INSURANCE BENEFITS and DISCOUNTS based on fitness records
● Ability to display CUMULATIVE SAVINGS for users

Insurance Company Interface:

● Signup & Login feature to the application
● Ability to check fitness and medical records of the users
● Ability to offer insurance discounts to users
● Daily feeds for new potential clients

4.2 HIGH-LEVEL REQUIREMENTS

The following table presents the requirements that the developed app and provided service must
meet in order for the project objectives to be satisfied.

Req. # I Requirement Description

6 Team Members MEDIUM experience range with 3 years minimum field experience.
20 Test Users QA and Production level both require test user samples.
1 Marketing Assistant 1 Member would be required at the latter phase of the product post
release to get customer feedback, and surveys.
1 Sales Assistant 1 Member of Sales Team required to target and increase the brand
awareness and demand.
Security Testers An external penetration team would be required to ensure security
features of the application and avoid any breach factors.
Server, Storage and We require 2 Server, 1 TB storage space per month and purchased
Licenses developer license of iOS certificates and Google Play Store deployment
registration.

4.3 MAJOR DELIVERABLES

The following table presents the major deliverables that the developed app and provided service
must meet in order for the project objectives to be satisfied.

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Major Deliverable Deliverable Description

User data Input Functionality User enrols the personal details in the application, one-time for
name, email, height and other details like weight, once a week, and
the physical activity details daily (Example: Crunches, Jogging etc.)
Functionality for Step Count, Tracking the number of steps people walk or run which would auto
Distance, Calories Lost calculate the distance covered by them each day and keep count of
the calories lost with respect to initial weight and height of the
person and store it to the fitness record of the user.
Booking Doctor appointment, Key feature release to be able book doctor appointments and request
Home Medical Test for home medical tests using the fitness bonus and discounts offered.
Online Consultation Feature Ability to be able to consult with expects of medical fields and
insurance companies
Cumulative Savings Users can check their cumulative savings due to their efforts and
daily physical activities.
Login Functionality for Insurance Providers can login to their assignment portal and check
Insurance providers the available customer list and the insurance scheme details.
Daily Feeds of Potential Insurance companies would be able to check and get daily updates
Clients regarding new potential clients.
Feature to Offer Insurance Insurance Providers should be able to decide the customised version
Discounts of insurance they can offer to the potential customers.

Access to Users Fitness and The Insurance providers can access the health record and fitness
Medical records profile of the users to be able to offer them additional discounts and
better assurance of the health compensation.
4.3 BOUNDARIES

In-scope: Initial record of the user’s height, weight would be recorded. Further, as a part of tracking
daily physical activities, the application would measure activities that lead to a daily HEALTH
SCORE, based on which companies can provide wellness discounts or insurance benefits.

Out of Scope: Heart rate monitoring, Physical activity-based calculation of step count and calories
and notification features are currently out of scope in the application version 1.0.

Measure of Performance: The development time for the project is 98 days, beginning 9 th March
2020 and all timelines would be followed with 6 dedicated team members with a minimum of 3

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years of industrial experience. In case of any changes, it would be incorporated by discussion,

requirement scope, and market trend analysis. The development of the application would be
reviewed on a daily basis by Agile methodology (and SCRUM) and weekly reviews after every
development version release can be done to measure the alignment with the scope of business.

Acceptance Criteria: The minimum acceptance of the project would be if all deliverables are
done as per scope, milestones and reviewed by the Executive Managers. A small team meeting with
three team advisors can be done to ensure smooth handover during each stage of the project.
Review and approval of reports and presentations during weekly meetings would take the project to
further stages.

The details of the work breakdown structure (WBS) are mentioned below:

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5 DURATION

5.1 TIMELINE

5.2 EXECUTIVE MILESTONES

The table below lists the high-level Executive Milestones of the project and their estimated
completion timeframe.
Executive Milestones Estimated Completion Timeframe

Completion of Planning & Analysis Within the first 10 days of project initiation and
stakeholder discussions. Should be completed
by March 13th, 2020.
Completion of Design Within the next 5 working days of the planning
phase completion, is the final stage of design
completion. Should be completed by March
20th, 2020.
Development Completion 1st June 2020 is expected as the final
completion of the Development phase for the
mobile application after approval.
Completion of Testing Clearance & After 26 days of testing for the completion of
Product Launch the milestone of phase for the application
(including Beta-Launch, Re-modifications,
Functionality Testing, Performance Testing and

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Security Testing), 7th July 2020 marks the

tentative PRODUCTION LAUNCH DAY.

Audience & Feature Assessment 8th-14th July 2020 would be the beginning of
Completion client interaction and support post release for a
5-day assessment after Production launch.

Project Closure 22nd July 2020 would mark the final completion
of the project version with analysis of future
improvement scopes for better advancements.

Gantt Chart : The following is the representation of the phases for the project development:

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6 BUDGET ESTIMATE

6.1 FUNDING SOURCE

By carefully analyzing UnitedHealth Group's Financial Statement, the Retained Earnings,

equivalent to $ 57,616 million (source: Morningstar, Inc., n.d.), are considered as a valid source of
funding. In particular, the amount requested to run this project is equivalent to $ 111,796 and,
therefore is small in proportion to the aforementioned retained earnings, and hence it does not
significantly affect the company's financial situation.

6.2 ESTIMATE

The table below shows the high-level cost budget, organized by:
● Task Related Expenses: equal to $ 69,432, which represent 62.07% of the total project costs;
● General Expenses: equal to $ 24,384, which represent 21.80% of the total project costs;
● Risk Mitigation Expenses: equal to $ 18,040, representing 16.13% of the total project costs.

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7 PROJECT PROCUREMENT

7.1 PROCUREMENT APPROACH

The project procurement approach states which contractors will be used, the timeline for the
development for these outsourced activities and which measures will be used to ensure a good
performance (Watt, 2014). The decision about which activities will be done in-house and which
will be outsourced are based on whether the activity is of strategic importance, whether
UnitedHealth Group has specific knowledge in this area or superior performance as compared to
competitors and whether a significant performance improvement is expected.

It was decided that most of the app design and development will be completed internally by the
UnitedHealth Group’s own technology/IT department. Two parts of the project will be outsourced,
the security testing and the feedback/survey stage. The organisation and timeline of these are
described in more detail below.

7.2 PROCUREMENT OF SECURITY TESTING

The security testing will be outsourced to the application security firm, ImpactQA, which is
considered one of the best in the field. This type of testing costs roughly $5,000 for a one-time
testing in the testing phase of this project, which will take place from 22nd June 2020 as per
estimation. On average, the security testing takes 1-3 weeks to complete. To reduce the risk of a
project delay and ensure the most thorough testing, the timeline allows for a 3-week security testing
period, as seen in the Gantt chart (ImpactQA, 2020).

7.3 PROCUREMENT OF CUSTOMER FEEDBACK

The customer feedback during the beta testing phase will be collected using surveys conducted by
Flatworld Solutions company which is one of the ISO certified global leaders. The necessity of
these surveys is described in more detail in the quality section of this project charter. The required
surveys will cost around $2,000 and can be conducted and analysed in only 1 week (William,
2020).

7.4 PROCUREMENT OF OTHER EXTERNAL RESOURCES

Besides these outsourced activities, the project will need some external resources, listed below:

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Amount/Duration Vendor Date required Total Price

Servers 2 Amazon Web 23 March 2020 $24,000

Services

Jira 6 months Atlassian 23 March 2020 $60

Data-based 4 months Amazon Web 23 March 2020 $200

Cloud Storage Services
(1TB/monthly)

IOS Developer 1 year Apple License 23 March 2020 $99

Licence

Android 1 year Google Play 23 March 2020 $25

Developer licensing
Licence service

8 ASSUMPTIONS, CONSTRAINTS AND RISKS

8.1 ASSUMPTIONS

This section identifies the statements believed to be true and from which a conclusion was drawn to
define this project charter.
1. UnitedHealth Group has a vested interest in securing a more profitable business model
derived from less claims from a generally healthier client base. This observation is derived
from UnitedHealth Group’s explicit fiduciary responsibility to maximize shareholder value
as a US incorporated entity (Rappaport, 2014).

2. Consumers are generally interested in spending less on their insurance costs (especially
where they are highest in Western countries such as the US) and are most likely willing to
commit to minor lifestyle changes in order to achieve these cost savings. This is an
assumption rooted in logic; consumers are surely more inclined to receive the same
coverage they are currently for lower costs by exerting a small amount of effort to prove
effective health management (Naylor, 2017).

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8.2 CONSTRAINTS

This section identifies any limitation that must be taken into consideration prior to the initiation of
the project.
1. The cost model for insurance companies is highly dependent on several factors including
risk assessment (primarily from exposure to expected health claims) as well as projected
financial earnings for their shareholders. There is a limit to how much consumer savings we
can push into this product model as they are effectively revenue losses. There is a balancing
act where we must find the optimal consumer savings that will result in the largest net profit
increase (O’Connell, 2019)

2. Limitations on range and variety expected activities to be tracked are constrained both
physically and psychologically: consumers cannot be expected to track and comply with a
plethora of health management practices and tracking metrics and general technological
capabilities for tracking have a standard error for accuracy that also limits the efficiency of
our model and its optimization within this regard (Mcphate, 2016).

8.3 RISKS

The projects key risks are:

Risk Mitigation Action

Consumer Health Ensuring compliance with HIPAA with only internal data transmission and encryption on
Metrics Data cloud services (HHS, 2013).
Transmission
(Cybersecurity)
Legal Compliance In accordance with the FDA and UnitedHealth’s policies, recommendations and data
visualizations for both data users (consumers) will be explicitly categorized outside the
realm of ‘assistive medical devices or programs’ in order to avoid further stringent
regulation (Raja, 2020).
Responsibility & General user agreements prior to app usage will need to be developed with industry
Liability experts in order to eliminate any risk of culpability that might arise from clients taking on
health initiatives as recommended by the app. Verification of the consumer approval of
this agreement will use advanced authentication (AI Face Recognition) to ensure legal
validity of the binding agreement (Robillard et al., 2016).

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Minimum Viable This risk is minimized with the structure of assimilation between product scope and
Participation company operations. UnitedHealth Group is already connected to a plethora of insurers
Thresholds and therefore in a prime position to push this completed product to our target segment.
Assuming a worst-case scenario, cost balance of additional marketing and advertisements
will need to be carried out with regards to forecasting ROI ($ earned per cent).

9 PROJECT QUALITY MANAGEMENT APPROACH

9.1 OVERALL QUALITY STANDARDS

The project’s overall quality management will be implemented using the Six Sigma tool which is
designed to minimise the defects that occur in a project. It is successful if the number of defects is
reduced to 3.4 for every 1 million opportunities (iSixSigma, 2020). The main aim of the Six Sigma
tool is to implement measurable objectives which can be improved over the course of the project.
To ensure the quality of this project, the key quality characteristics, which are expected by
customers, have been defined below. Each characteristic is accompanied by its respective
measurable metric, timeline and validation process (FuGenX, 2020).
The entire project process allows for continuous process improvement as preventing mistakes is
more cost effective than correcting them afterwards. This will be achieved by implementing the
DMAIC framework which aims to define, measure, analyze, improve and control every part of the
project continuously (American Society for Quality, 2020).

9.2 KEY QUALITY MEASURES

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Project Relation Key Measurable Metrics (KPI) Timel Validation Process

Stage Quality ine
characteri
stics

Testing Product- Performan Daily active users showing June Quality manager to measure the daily
Related ce exponential growth of 10% 2020 active user growth in beta testing
per week in beta testing phase (see phase

Features App features to be rated 8/10 Gantt Quality manager (Tabea Dahn) to
for ease of use in survey Chart) conduct customer surveys in the beta
conducted in beta testing testing phase to understand
phase customers’ perception regarding ease
(App ratings above 4.0 in beta of use, aesthetics and overall quality
testing phase) of the app.

Aesthetics App to be rated 8/10 for

aesthetics

Perceived Customers to show a 90%

quality satisfaction rate regarding the
app and its data security

Service- Reliability Our service delivery to be July Quality manager (Tabea Dahn) to
Related accurate 95% of times in beta 2020 check details of every customer and
testing phase (see their transaction to ensure accurate
Gantt execution

Responsiv Our service must be fast and Chart) Quality manager to conduct a survey
eness of high quality. Customers about customer satisfaction to show
should show a 90% users’ satisfaction with our service.
satisfaction rate with our
service

Monitor Performan App crashes below 5% of all July Application developer to check the
ing and ce app usages 2020 statistics and regularly provide
after (see feedback to project manager

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launch Gantt

Performan Active users increasing by Chart) Quality manager to check these

ce/Feature 10% every month for 6 numbers and contact marketing
s months post launch department if KPI is not reached

10 PROJECT ORGANIZATION

10.1 ROLES AND RESPONSIBILITIES

This section describes the key roles supporting the project.

Name Project Project Responsibilities

Role
Ramez Project ● Authorize project and assign project manager.
Mikhail Sponsor ● Set vision and strategic direction of the project.
● Provide complete guidance, support, direction to the team.
● Ensure that resources are in place, approve project plan, charter, scope,
funding and any changes in the budget.
● Resolve conflicts and get rid of obstacles that occur during the execution of
the project. Additionally, sign off on approvals required to advance each
phase (Malsam, 2019).
Divya Rikhari Project ● Day to day management of the project.
Manager ● Plan and implement project from beginning to end and responsible for
successful completion of project.
● Ensure that the project progresses within the specified time, budget, and
resources allocated to it and achieves the set objectives.
● Manage relationships with stakeholders and contributors (Alexander, 2019).
Tabea Dahn Quality ● Ensure that the application is free of defects and meets the quality standards
Analyst of the company.
● Develop and execute test plans to ensure that set objectives are met.
● Implement and observe test scripts to evaluate the reliability, quality and
performance of the application.
● Identify and rectify defects in the application and investigate customer
complaints (“Quality Analyst Role”, 2019).

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● Draft quality assurance procedures and policies. Recommend and execute

preventive and corrective measures to make sure that quality assurance
standards are met.
Madhuparna Application ● Develop, implement and modify source code of the application.
Upadhyay Developer ● Develop software solutions in order to meet the needs of customers.
● Test source code and debugging code.
● Perform updates and modifications to the application and make sure that
technical issues are resolved.
● Develop technical handbooks to represent the design and code of application.
● Ensure technical quality, control system development and operation during
execution and provide inputs to the project plan, produce the technical
deliverables, documentation and design specifications related to the project
(“Application Developer Role,” 2019).

Filippo Budget ● Design an effective budget for the project after analysis of financial
Alberganti Manager statements to ensure business growth and compliance with law.
● Monitor the spending from time to time to ensure it is within the specified
budget.
● Design and execute effective budgeting procedures and policies.
● Collaborate with project manager to develop a budget and conduct cost-
benefit analysis.
● Evaluate budget proposals and approve or reject funding requests.
● Estimate and forecast the future financial needs (“Budget Manager Job”,
n.d.).
Omar Elfeky Project Risk ● Carry out quantitative and qualitative risk analysis and develop mitigation
Analyst strategies.
● Conduct regular risk reviews at the contract and project level.
● Identify project risks and help in improvement of risk management process.
● Develop a risk management program to reduce company risks and to
enhance business efficiency.
● Work with the other project team members to understand the business
processes and to identify probable risks in order to minimise them.
● Respond to queries and concerns related to risks in a timely manner.
● Educate the staff and members about risk management procedures and

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policies (What Does a Project”, 2019).

10.2 STAKEHOLDERS (INTERNAL AND EXTERNAL)

Internal Stakeholders External Stakeholders

Board of Directors Shareholders

Executive Managers Customers

Project Sponsor Investors

Project Manager Subject Matter Expert

Project Team Members Application security firm

Development Team ImpactQA

11 PROJECT SUSTAINABILITY STRATEGY

To ensure this project is sustainable, the concept of the triple bottom line, which combines the
profit, people and planet aspects, was applied. We also aligned it with UnitedHealth’s strategy,
adapted the project to our customer’s needs as well as identified the key risks and set up
mitigation strategies for these, as seen above.

In addition to this, the project aligns with and contributes to several of the UN’s SDGs
(Sustainable Development Goals). By using an online platform to promote a healthy lifestyle
amongst its users, the application will decrease the need for any physical marketing as well as
paper usage. This will ultimately lead to a positive impact on the environment.

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12 PROJECT CHARTER APPROVAL

The undersigned acknowledge they have reviewed the project charter and authorize and fund the
UnitedHealth Fitsurance project. Changes to this project charter will be coordinated with and
approved by the undersigned or their designated representatives.

Signature: Date: 19th March 2020

Print Name: Ramez Mikhail

Title: Project Sponsor
Role: Project Sponsor

Signature: Date: 19th March 2020

Print Name: Divya Rikhari

Title: Project Manager
Role: Project Manager

Signature: Date: 19th March 2020

Print Name: D. Ellen Wilson

Title: Executive Vice President
Role: Executive Vice President

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