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John Hancock Offers Apple Watch Series 5 to Vitality Life Insurance Customers for $25
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Free so long as you are active enough each month - that's what the health data is for. Any month where you don't get enough points for being active you pay - sliding scale depending on how inactive you were.
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No disrespect but don't be so paranoid.
A quick(ish) read of Vitality's privacy policies and their insurance documents confirm that they aren't using your health data to deny your claims.
Should that policy change in the future - highly unlikely unless it was a general market shift, no evidence to suggest that is imminent - you're free to take your business elsewhere.
Or stop sharing the data with them. You'd lose your perks (free coffee, free cinema tickets, free Apple Watch, free Amazon Prime, reduced premiums), but at least you'd be nice and safe under your tin hat.
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So you're literally selling your data month by month. $19.75/month to monitor your health data. Creepy AF.
Not really comparable. The driving monitoring boxes are designed as systems to penalise you and increase your premiums.
Vitality's system is designed to reward you and reduce your premiums.
The sharing of data with Vitality is entirely optional, the sharing of data with your insurance provider once the box is installed isn't.
The data on your health sent to Vitality comes from a source you have full control over (your phone and the permissions granted their app), the black box is entirely the property of your car insurance provider and they fully control what it shares.
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I'm selling that I walked [n] steps, and had these occasional heart rates - super private stuff!
Unlike [insert social network here] there is no selling on of that data, there are no advertisers to offer it to.
There's no term in my policy that says if I'm a lazy ass they won't pay out.
Asides from collecting some aggregate data on the activity levels of their customers, or maybe the average heart rate for a certain demographic, there's little to nothing to be mined from the very limited data sets being collected.
Is this really how the medical insurance business works in the US? If you provide the HMO or company with data you are "rewarded" with " free cinema tickets, free Apple Watch, free Amazon Prime, reduced premiums). Probably more effective, efficient and less expensive if they stuck to the basic essentials: providing affordable medical coverage to the whole population.
Ok. In the UK. Your "private" insurance beyond the NHS offers these "inducements"?
It’s not that it’s a scam, there is just much better ways to invest your money.
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I get 30% off my premiums because of this. Sounds like upside to me. To each their own.
I drive good and obey the speed limits. It was an easy decision. I did snapshot 5 years ago with progressive and that 30% has been locked in since then.
obviously if you know you drive poorly it doesn’t make sense because they will use it against you if you get into an accident.
That is a great way to acquire people to businesses. Who wants to give me free iPhone Pro and MacBook to sign-up for your services? 
please dm
please dm
It cost me $55 total to 'upgrade' to a 44mm Series 5. I can't recall exact amounts but it was around $125 to upgrade to a cellular version and around $400 to upgrade to the stainless steel models - depending on the band you wanted.
Yep, it's from Apple, as one of their collaborations. It's a "Hermès - 40mm Noir Swift Leather Double Tour" ... and it costs about as much as an Apple Watch. No doubt you can find knockoffs (of varying quality) on Amazon or eBay. (The related "Single Tour" is quite lovely, but I just can't justify that kind of money for a watch band.)
This is a very good point. At first this seems like a cool idea, but now they're in possession of everything about your health they need so they can find a reason to bill you and say no when you need it.
I don't know about that...I had a$150K term plan for the past 20 years that just expired last month, and I survived! I guess I got my money's worth! (kidding...I kid...)
Really! They take your money. Then, when it's time to pay out...they make up some reason to not pay.
They are making so much money with this scam, they can practically "give" away a Watch.