The Exeter intends to roll out its digital health service app in the early months of 2019.
The protection provider plans to introduce its 'HealthWise' services for all members in 2019, allowing access to digital health services and 'e-treatments' for the first time.
Launched in partnership with medical network Square Health, the app will provide "instant access" to physiotherapy and mental health specialist consultations via video.
A GP "on demand" and a second medical opinion service will also be available.
Members will be able to access HealthWise without making a claim.
Steve Bryan, director of distribution and marketing at The Exeter, is also calling for the industry to explore the ethos and engagement of young people and their views around insurance in 2019.
He said: "As a nation, our life journeys are ever-changing. We are now experiencing key life events at later stages than our parents, with the traditional model of marrying and buying a house on the decline."
According to the latest figures released by UK Finance, the average first-time buyer is 30-years-old with a growing number of self-employed workers or people employed on limited hours contracts.
Mr Bryan said: "Protection in its current format will need to become more flexible and adaptable if it is to reach and help those who need it most."