约翰汉考克只出售“互动式”人寿保险，将大力推动健康追踪

John Hancock plans to only sell life insurance packages that offer incentives to customers who wear a smart watch and track their health data.

约翰·汉考克(John Hancock)计划只出售对那些佩戴智能手表并跟踪其健康数据的客户提供奖励的人寿保险套餐。

The company started offering an “interactive” life insurance policy called “Vitality” back in 2015. Soon all John Hancock life insurance policyholders will be switched to that program, which offers discounts and gift cards to anyone willing to track their health information. Wearing a smart device is not mandatory to keep your insurance.

该公司早在2015年就开始提供名为“活力”的“互动式”人寿保险单。不久，所有约翰·汉考克(John Hancock)人寿保险单持有人将转换为该计划，该计划向愿意跟踪其健康信息的任何人提供折扣和礼品卡。 佩戴智能设备不是强制性的保险。

Here’s Suzanne Barlyn, writing for Reuters:

这是Suzanne Barlyn，为路透社撰稿：

Policyholders score premium discounts for hitting exercise targets tracked on wearable devices such as a Fitbit or Apple Watch and get gift cards for retail stores and other perks by logging their workouts and healthy food purchases in an app.

投保人可以达到在Fitbit或Apple Watch等可穿戴设备上追踪的锻炼目标而获得的打折折扣，并通过在应用中记录其锻炼和健康食品购买获得零售商店的礼品卡和其他津贴。

In theory, everybody wins, as policyholders are incentivized to adopt healthy habits and insurance companies collect more premiums and pay less in claims if customers live longer.

从理论上讲，每个人都会获胜，因为激励保单持有人养成健康的习惯，如果客户寿命更长，保险公司将收取更多保费，并减少理赔费用。

Privacy advocates will obviously disagree with the “everybody wins” angle, as the article points out. But insurance companies have every incentive to collect as much data about policyholders as possible. I think these sorts of “incentives” will become increasingly mandatory over time, barring some sort of legislation.

文章指出，隐私倡导者显然不同意“人人都赢”的观点。 但是，保险公司竭尽全力收集尽可能多的有关保单持有人的数据。 我认为，随着某种立法的发展，随着时间的流逝，这类“激励措施”将越来越具有强制性。

翻译自: https://www.howtogeek.com/fyi/john-hancock-to-only-sell-interactive-life-insurance-will-heavily-push-health-tracking/