2020年可穿戴设备在私人医疗保险中的作用 - Milliman（英文版）（24页）.pdf

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1、MILLIMAN REPORT The role of wearables in private medical insurance March 2020 Joanne Buckle, FIA, FIAI Tanya Hayward, FIA Natasha Singhal Kishan Desai MILLIMAN REPORT Table of Contents 1. EXECUTIVE SUMMARY . 1 2. WHY ARE INSURERS THINKING ABOUT IMPLEMENTING WEARABLES? . 2 2.1 RISKS TO STAKEHOLDERS .

2、 3 2.2 INSURANCE FIRMS ALREADY USING WEARABLES . 4 3. WHAT DO “CONSUMERS” THINK? OUR SURVEY RESULTS . 5 3.1 SURVEY OBJECTIVES . 5 3.2 DEMOGRAPHICS . 5 3.3 DEVICES, TRACKING ACTIVITIES AND STEPS . 6 3.4 STEP COUNT . 8 3.5 SHARING PERSONAL DATA WITH INSURERS . 8 3.6 INFLUENCE OF WEARABLES ON ACTIVITY

3、AND HEALTH . 9 3.7 FEEDBACK FROM USERS . 11 4. HOW RELIABLE IS REAL TIME DATA? . 12 4.1 FRAUD AND ABUSE . 12 4.2 FUNDING CONSIDERATIONS . 12 4.3 ACCURACY OF RESULTS . 13 4.4 CONSIDERATIONS FOR USE OF WEARABLES DATA . 14 5. WEARABLES AND HEALTH RISK ASSESSMENTS (HRAS) . 15 5.1 HEALTH RISK ASSSEMENTS

4、(HRA) . 15 5.2 HEALTH RISK ASSESMENTS AND WEARABLES . 17 6. CONCLUSION . 20 HOW MILLIMAN CAN HELP. 21 MILLIMAN REPORT The role of wearables in private medical insurance 1 March 2020 1. Executive Summary Mass market wearable technology is relatively new, and it has evolved dramatically in recent year

5、s. Ever since the rollout of electronic devices capable of measuring and recording various types of health data, private medical insurers have been carefully eyeing the potential usage of these devices. In this paper we discuss the implementation and practical uses of wearables in the private medica

6、l insurance market. We review why insurers are considering using wearable devices and how these devices might benefit insurers business models, as well as some of the pitfalls to consider. Wearables provide real-time data points that we expect to be detailed and accurate. However, is this really the