近年来，智能可穿戴设备发生了从“提供工作便利和娱乐”到“监测用户健康”功能的转变，这些健康数据正是健康保险公司所急需的，为健康保险公司带来了新的商业模式。
In recent years, smart wearable devices have changed from "providing working convenience and entertainment" to "monitoring individual health". These health data are urgently needed by health insurers, bringing new business opportunities as well.
为什么健康保险公司迫切想要抢占智能可穿戴设备？
Why are Health Insurers Eager to Develop Smart Wearable Devices? |
1. 数据获取：实时获取用户健康信息，提供更准确的健康诊断，保障保险公司定价和营销的精准性，以提高盈利；
Data Acquisition: real-time access to users’ health information so as to provide more accurate diagnosis, ensuring the accuracy of pricing and marketing;
2. 大数据应用：保险公司利用健康大数据，提供更加个性化的保险设计方案，达到获客目的，挖掘更大的市场份额；
Big Data: insurance companies make use of big data to design more personalized schemes, acquire customers and explore more market share.
3. 赔付率降低：采取诸如多运动攒积分以抵扣保费的营销手段，来激励投保者自发的健康管理，降低保险公司的赔付率。
Low Claiming Rate: encourage users to manage their health by doing more physical exercises using the marketing means such as multiple movements to save the integral to deduct the premium.
智能可穿戴设备对保险公司带来了什么挑战？
Smart Wearable Devices Bring What Challenges to Health Insurers? |
1. 消费者的隐私保护：作为一个实时能够获取自身信息的装置，消费者在使用过程中难免会担心自身信息遭到泄露，或被黑客所监视，从而产生抵制行为。
Consumer Privacy Protection: consumers tend to worry about their own information is leaked, or hacker monitoring.
2. 数据的精准性：用户习惯存在偏差，智能设备对人健康因素的测算并非100%准确；且购买智能可穿戴设备的大多是注重健康热爱运动的群体，在投保的积极性上会有所降低。
Data Accuracy: health forecast by the devices is not 100% accurate because of using habits, and the consumers who are keen on sports may not active to be insured.
3.设备的普及率和流失率：当前国内市场智能可穿戴设备上由于价格因素普及率仍然较低，且即使购买相关产品的消费者也并非会长时间使用，给数据的采集也带来了一定难度。
DevicesPopularity and Loss: smart wearable devices are not popular in current domestic market, and the long-time use could not be guaranteed causing difficulties in data collection.
|
