Validating health improvement activities to tie with insurance discounting
Original Publication Date: 2001-Jul-22
Included in the Prior Art Database: 2003-Jun-19
Disclosed is a method of tracking and measuring attendance and performance on a PDA within a health program. Health insurance providers have an economic interest in monitoring the relative heath as well as the lifestyle activities that promote or at least do not negatively affect the state of the health of the insured person. This reasoning has promoted some insurance providers to institute reward programs to provide incentives for their insured client base. Typically these programs require some tracking of activities and mailing some type of certification of the activity to the program administrator for a reward or a premium discount. It is possible to use personal digital assistants (PDAs) to track an exercise regimen and to receive updates from machines used in that regimen. For example receiving information about the duration and intensity of the exercise. Some machines are even equipped with heart rate monitors. This data could be uploaded to the PDA and then uploaded to the insurer to track health improvement benefits of the exercise as well as a general improvement in health. This data, heart recovery rate after exercise for example could be used to provide a very accurate health assessment for the insurer and thus make for a substantial risk reduction or prediction for the insurer as well as create the ability for the reductions of rates.