Vitality Health is a pioneer in the health insurance industry. The company uses technology and data to promote and reward healthy behavior from its members. The results from this shared-value system are positive, and there are benefits for Vitality, Vitality's customers, and the individuals who are insured by the plan.

1. This Health Insurance
Company Tracks
Customers’ Exercise
And Eating Habits
Using Big Data and IoT

2. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Title
Text
IntroductionIntroduction
If you had the chance to lower your health insurance premiums or to receive
incentives for behaving healthily, would you do it? Vitality Health is counting
on your answer being “yes.” The company believes the way to revolutionize
healthcare is to pay for wellness rather than pay for sickness as traditional
insurance companies do. They use technology and data to track—and
reward—healthy behaviour.
This Health Insurance Company Tracks
Customers' Exercise And Eating Habits Using Big
Data And IoT

3. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Technology and Data-Driven Approach to
Promote Healthier Behaviour
Owned by Discovery Holdings, a global insurance provider with 4.4 million clients, Vitality
Health is the first insurance company to reward people for healthy living. The company offers
health and life insurance. The goal of this shared-value system is to improve the health of the
insured by providing health insights from data, give rewards for good behaviour, and keep
premiums and costs low.
Technology and Data-Driven Approach to Promote Healthier Behaviour
Technology and data are essential to Vitality’s approach. First, a member’s baseline health is
assessed by taking into consideration lifestyle behaviours such as smoking, alcohol
consumption, and eating habits along with biometric measures including height, weight,
blood pressure, and cholesterol levels. From this data, the member's Vitality Age is
determined; in the United States, 79% of people surveyed have a higher Vitality Age than their
biological age.

4. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Technology and Data-Driven Approach to
Promote Healthier Behaviour
Next, Vitality creates a Personal Pathway plan for each member to improve their Vitality Age
by using the data collected in the assessment and determining a personalized plan to making
healthier choices. The company provides tools, resources, and partners that offer discounted
services to Vitality members to support their health journey.
By using integrated data feeds from its partners including its network gyms, biometric
screening service providers plus more than 100 wearable technologies including the Apple
Watch, Vitality can check a member’s progress toward the established health goals in real
time. For example, Apple Health from the Apple Watch can connect to the Vitality Member
app, that allows members to set up video consultations with a GP, schedule appointments, get
referrals to specialists and find trusted health information. By doing so, members can earn
Vitality Points for how many steps they take and the heart rate information from workouts
their Apple Watch tracks.

5. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Technology and Data-Driven Approach to
Promote Healthier Behaviour
The Vitality Points reward system for healthy behaviour is an essential element in Vitality
Health's service. It's designed to keep members engaged, and at this point, it's completely
voluntary to participate. These points can be redeemed for gift certificates and other perks
through Vitality’s partners. Not only do these partners provide service and products that
support a healthier lifestyle, but Vitality Health members can also save money when they use
these providers. For example, Vitality Health partner Ocado offers participants of particular
Vitality Health healthcare plans a 25% discount and free delivery on healthy food. The
healthier your lifestyle, the bigger rewards you receive as a member of Vitality Health.

6. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Does Vitality Health’s System Work?
Since Vitality Health is a pioneer with this type of health insurance model, you might wonder,
does this actually work? According to a study conducted by RAND Europe, it does. The study
found that incentivizing physical activity such as Vitality Health does can lead to better activity
levels. The Vitality Activity Rewards system, used by 5 million people globally, is grounded in
behavioural science that includes micro goals and rewards as motivation to help change and
maintain positive behaviour.
The company asserts that its incentive-based solution can lead to significant reductions in
hospital admission costs and costs per patient as well as shorter hospital stays. McKesson, one
of Vitality Health’s customers, had these results:
$4.7 million in medical cost savings
23% increase in verified workouts
92% increase in engaged participation levels
The data Vitality Health collects also allows it to better price out policies and premium
adjustments based on a member’s engagement with the program.

7. © 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Does Vitality Health’s System Work?
Watch Video
Next Steps for Data Analytics to Promote Healthy Lifestyles
As other insurance providers determine ways to use data and technology to help them
provide incentives for healthy behaviour, Vitality Health will face increased competition.
Vitality Health and others in the space will look to expand health monitoring technology and
grapple with other concerns such as privacy, how to deal with biological differences that make
some members predisposed to being healthier or experience better outcomes than others for
similar activity, and more.

8. © 2017 Bernard Marr , Bernard Marr & Co. All rights reserved
© 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Bernard Marr is an internationally best-selling author, popular keynote speaker, futurist, and a
strategic business & technology advisor to governments and companies. He helps
organisations improve their business performance, use data more intelligently, and
understand the implications of new technologies such as artificial intelligence, big data,
blockchains, and the Internet of Things.
LinkedIn has ranked Bernard as one of the world’s top 5 business influencers. He is a frequent
contributor to the World Economic Forum and writes a regular column for Forbes. Every day
Bernard actively engages his 1.5 million social media followers and shares content that
reaches millions of readers.
Visit The
Website
© 2017 Bernard Marr , Bernard Marr & Co. All rights reserved
© 2018 Bernard Marr, Bernard Marr & Co. All rights reserved
Bernard Marr is an internationally best-selling author, popular keynote speaker, futurist, and a
strategic business & technology advisor to governments and companies. He helps
organisations improve their business performance, use data more intelligently, and
understand the implications of new technologies such as artificial intelligence, big data,
blockchains, and the Internet of Things.
LinkedIn has ranked Bernard as one of the world’s top 5 business influencers. He is a frequent
contributor to the World Economic Forum and writes a regular column for Forbes. Every day
Bernard actively engages his 1.5 million social media followers and shares content that
reaches millions of readers.
Visit The
Website

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