| 摘要 |
The present invention relates to systems and methods for evaluating and establishing pricing of insurance products based on insured member compliance to health-promoting measures. Member participation in health-promoting measures are monitored and used as a basis for establishing incentives (i.e., reduction in insurance premiums) for said member. In one embodiment, exercise/activity monitors are worn by members to verify their identity and to record insurance member compliance in performing health-promoting measures (i.e., heart rate, type of exercise, exercise intensity and duration). All health-related information, including physical examination results and recorded participation in health-promoting measures, are used to determine appropriate incentives (i.e., subsidize membership fees for health club) to be rewarded to said member. |
