Fitness apps and bracelets come: First insurances offer benefits for insured who submit transaction data – but there are concerns
Do you already have one of the more and more popular fitness bracelets?
More and more people count with the ribbon or with a pedometer app on the smartphone, draw their movement data and monitor their fitness. Anyone who wants can now get rewarded more and more often by the health insurance – according to the motto: Who does something for fitness and can prove that, should also benefit!
Sticking point: With the private health insurance is common that the tariffs increase with the illness risk: Who is older, smokes or has pre-existing conditions, must pay more. With the statutory health insurance companies such a linking of health risks with the contributions is forbidden. Nobody should be discriminated against.
Nevertheless, the first statutory health insurance found ways to reward the proven fitness activities:
on discounts and bonuses. The insured person pays the same contribution as everyone else, but then later receives money or other benefits if he proves with the fitness bracelet or the app that he has achieved his movement goals.
For example, the insured can earn points at the AOK Nordost with the fitness app “FitMitAOK”. For example, there are points for the following transaction data …
- if the pulse works at over 110 beats per minute for at least 30 minutes,
- if it consumes at least 150 kilocalories within 30 minutes or
- At least 10,000 steps are taken within 24 hours.
The app transmits the points to the health insurance companies. There are then, for example, discounts at partner companies, premiums such as sporting goods or cash. Premiums equivalent to € 375 should be possible.
Other insurance companies are also planning special rates for term life and occupational disability insurance and linking to other data. An insurance app records not only transaction data, but also shopping in the supermarket. Those who resort to healthy food get benefits.
Whether lucrative special rates and bonuses for the users of fitness trackers will prevail, however, is open. There are mutliple reasons for this:
- Data protectors are concerned because it is sensitive data that could cause the insured to lose control if they pass it on.
- Federal Justice Minister Heiko Maas (SPD) has already stated in a newspaper article against using fitness trackers to offer special tariffs.
- And not all insurance companies are convinced that rising health care expenditures can be reduced by promoting the movement.