Frederick &ldquoFred&rdquo Hegner has over 27 years of life and health experience in the US, Asia Pacific, European, and Latin American insurance markets. He has worked for large insurers such as United Healthcare, AIG, AIA, Chubb and joined Tune Protect Group in April 2021 to develop their health insurance operations. Fred&rsquos background is in technical claims and underwriting but he has reinvented himself to look at the entire customer journey and focus on what is important to the customer in the digital era. His goal is to find new ways to engage the customer and make their health insurance journey simple and meaningful. Fred has published several health-related articles on LinkedIn including his experiences from launching digital products in emerging countries such as Thailand and Malaysia: https://www.linkedin.com/pulse/what-exactly-digital-health-insurance-lessons-learned-fred-j-/ You can connect with Fred on LinkedIn here:https://www.linkedin.com/in/fredhegner/ Fred is a Certified Property and Casualty Underwriter and Fellow of the Life Insurance Management Institute. He holds a Master in Health Administration from the University of South Florida (US) and a Bachelor of Science in Biology from Wake Forest University (US). Fred resides in Bangkok with his wife and daughter, and he has one son attending university back in the US. Fred enjoys bicycling, paddleboarding and spicy Asian foods.