Until now, insurers have been used to taking into account the real age to calculate the risk and costs of the Health insurance. The older you are, the greater the risk, based on a foreseeable more frequent use of the contracted services.
The trend of the future will be based to a greater extent on biological age. Advances in artificial intelligence, and the proliferation of applications to monitor our lifestyle, will make it possible to predict future mortality and morbidity.
What implications will it have for health insurance?
The handling of all this information by insurers will allow predictive models to be carried out on the different profiles of clients and their lifestyles. Currently, different criteria are already applied for clients with unhealthy habits or backgrounds (tobacco, overweight, family history, etc.). Future forecasts go much further, given that the special segmentation of insurers will allow access to preferential health insurance contracting conditions for certain customers willing to share personal and medical information with insurers, in a monitored and maintained manner. in the time. These special conditions would be lower premiums, or even greater coverage in health insurance. On the other hand, people unwilling to share this information could find themselves with higher prices and limitations.
There is significant development in new technologies, led by the so-called "insurtech", with a predominance of mobile applications (apps), which are adapted to the objective of monitoring and constant access. Recent studies show that those who use this type of app a lot go to insurance 65% less in Cars and around 15% in Health and Life.
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