3. Tailor-made Policies The breadth of personal data accumulated from online activity, mobile apps, and connected devices will thus form a foundation for insurers to provide differentiated products and services. Physical exercise and health metrics that health insurers can track for their customers through fitness trackers and wearables will allow them to hence use that information to provide incentives in maintaining healthier lifestyles.

3. Tailor-made Policies The breadth of personal data accumulated from online activity, mobile apps, and connected devices will thus form a foundation for insurers to provide differentiated products and services. Physical exercise and health metrics that health insurers can track for their customers through fitness trackers and wearables will allow them to hence use that information to provide incentives in maintaining healthier lifestyles.