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Adopting wearables to customize health insurance contributions: a ranking-type Delphi

Neumann, Daniel, Tiberius, Victor, Biendarra, Florin·2022·BMC Medical Informatics and Decision Making
DOI 10.1186/s12911-022-01851-4PMC PMC9044726
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Abstract

Background: Wearables, as small portable computer systems worn on the body, can track user fitness and health data, which can be used to customize health insurance contributions individually. In particular, insured individuals with a healthy lifestyle can receive a reduction of their contributions to be paid. However, this potential is hardly used in practice. Objective: This study aims to identify which barrier factors impede the usage of wearables for assessing individual risk scores for health insurances, despite its technological feasibility, and to rank these barriers according to their relevance. Methods: To reach these goals, we conduct a ranking-type Delphi study with the following three stages. First, we collected possible barrier factors from a panel of 16 experts and consolidated them to a list of 11 barrier categories. Second, the panel was asked to rank them regarding their relevance. Third, to enhance the panel consensus, the ranking was revealed to the experts, who were then asked to re-rank the barriers. Results: The results suggest that regulation is the most important barrier. Other relevant barriers are false or inaccurate measurements and application errors caused by the users. Additionally, insurers could lack the required technological competence to use the wearable data appropriately. Conclusion: A wider use of wearables and health apps could be achieved through regulatory modifications, especially regarding privacy issues. Even after assuring stricter regulations, users’ privacy concerns could partly remain, if the data exchange between wearables manufacturers, health app providers, and health insurers does not become more transparent.

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Cited by

Sorted by citations

Authors
Neumann, D., Tiberius, V., & Biendarra, F.
Venue
BMC Medical Informatics and Decision Making
Publisher
Springer Science and Business Media LLC
Published
2022-04-27
Volume
22
Issue
1
ISSN
1472-6947
DOI
10.1186/s12911-022-01851-4
PMC
PMC9044726
Cited by
8
References
5
Language
en
Licence
Funders
Universität Potsdam

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