Title page
Contents
Preface 3
1. Introduction 4
2. Promoting health and wellness through digital tools in insurance 6
2.1. Background 6
2.2. Moving beyond the core insurance function: provision of digitally enabled tools to support health and wellness 7
2.3. Insurer digital tools for health and wellness: examples 12
2.4. Selected observations 20
3. Key issues and challenges and relevant policy and regulatory frameworks 22
3.1. Protecting policyholders 23
3.2. Privacy and data security 29
3.3. Health protection and promotion 32
4. Conclusions 36
References 38
Table 2.1. Insurer digital tools to promote health and wellbeing: key areas with examples 8
Table 3.1. Restrictions on ancillary services that can be offered by insurers 25
Table 3.2. Challenges with developing secure mobile health apps 30
Figure 2.1. Moving beyond the insurance function toward the wellness sector 9
Figure 2.2. Overview of digital tools to promote health and wellness 11
Boxes
Box 2.1. Vitality: Risk assessment and data analytics for health 13
Box 3.1. EU Medical Device Regulation (2017/745) 34