HIGHLIGHTS
SUMMARY
Higher health risks, such as pre-existing conditions or unhealthy behaviors, pay a premium, while participants with healthy behavior are rewarded with contribution reductions. Cost-effective healthcare solutions using (smart) wearables have the potential to lower the insurance contribution for individual users by fostering healthy behavior and offering the possibility to collect health-related data used to assess individual health risks. The acceptance of wearables and the collection of individual health data is key to their effectiveness. This suggests that there is a high customer acceptance to use wearables and to track health data . . .
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