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Generali: Reduce contributions with monitoring via app

In future, Generali Krankenversicherung wants to reward insured persons with rewards and discounts for a healthy lifestyle. An app should be used to check how much time customers spend on sports activities. Consumer advocates warn against technology, as there are still many privacy and consumer safety issues.
 
Generali: Gesundheit wird künftig mit Prämien belohnt
A healthy lifestyle will be rewarded in the future by Generali

Generali Krankenversicherung is the first major insurer in Europe to implement the idea of ​​a transparent patient. With the help of an app, information from insured persons will be collected in the future and a healthy lifestyle in health insurance and life insurance will be rewarded. Rewards, discounts and coupons encourage customers to participate in the model.

From the insurance point of view, this is a lucrative new measure, as it contributes to the health of private patients . Healthy privately insured cost the insurer the bottom line less money . For privacy reasons, however, the project is extremely problematic. Because who has access to the data and what may be done with them is unclear. In addition, one big question remains unanswered: Do those insured who are not interested in the new app pay for the benefits of glass clients?

Generali Health Insurance: App monitors insured persons

Generali Krankenversicherung wants to use the so-called telemonitoring to control the healthy way of life of its members. For this technology, the company cooperates with the South African insurer Discovery. The new health insurance model of Generali should work through an app that archives , for example, preventive appointments and measures sports activities , reports the Süddeutsche Zeitung. The representatives of the Generali health insurance consider the model as an aid to the customer to improve their way of life. Because of the financial incentives , the insurer indirectly influences a healthier lifestyle of its members.

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Generali Health Insurance: Dangers of the electronic patient

In the next 12 to 18 months, the offer in Germany will come on the market . However, many central questions are still unanswered. The consumer center of Baden-Württemberg, for example, views the model of Generali Krankenversicherung as critical, as it is still unclear who has access to the collected data . In addition to privacy issues, however, the new idea has a very different risk: In the long term, the insured who do not want to document their lifestyle in front of their insurer, would have to suffer from higher contributions. Because her health situation would be in contrast to those of the “transparent” members impenetrable and thus riskier, so the Süddeutsche Zeitung.

Generali health insurance: The idea comes from the car insurance

The idea behind the electronic collection of data is not new. In the motor vehicle insurance there is since the end of 2013 with the Sparkassen DirektVersicherung a provider that controls the driving style of its insured using a black box. Recently, another telematics tariff has come onto the market with insurer Sijox, rewarding safe and forward-looking drivers. The concept of “personal data against discount” has been further developed since its introduction, although it has only received relatively little resonance in Germany . By contrast, telematics tariffs are already enjoying great popularity in Italy and the United Kingdom.