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We provide My24X7Doctor™ DSS, a decision support solution to the Health Insurance Companies enabling them to make informed decision regarding the cost of the insurance policies. The system provides factual data regarding individual policy holder’s health conditions, aiding in promoting wellness program as mandated by IRDA. The Insurance Companies can issue reward points and vouchers based on actual health data and motivate their clients to stay healthy, ultimately resulting in reducing their overall client expense. The insurance companies can stay competitive by adopting My24X7Doctor™ platform promoting preventive healthcare practice by providing special incentives for their clients and healthcare providers. They can measure holistic health count of their policy holders by adopting My24X7Doctor™ technology health monitoring tools. The insurance companies can provide free lab tests and initial doctor consultation for all their current and future policy holders. The lab tests can be automatically uploaded in My24X7Doctor™ giving insurance company holistic health count and clear picture of the health conditions. The insurance policies can set the policy premiums, lower or higher depending upon the individual holistic health score. Healthy people can be incentivized for maintaining or improving their health conditions as measured by My24X7Doctor™ platform. The policy rates can be reduced for the clients who working towards improving their health and can be increased who are not paying good attention to their health. It is good saying “You can’t manage what you can’t measure”. The system can help insurance companies in their Preferred Partners Program offering special rates set for My24X7Doctor™ users. My24X7Doctor™ has algorithm to monitor insurance compliance to approve certain high-cost procedures. This tool can be very beneficial for the doctors by speeding up the decision-making process to admit patients and perform the critical procedures. For decision to perform a major surgery, the doctors must follow certain steps in order to reach the quick critical decision that is part of My24X7Doctor™ tracking tool.