July 5, 2016.
Certain behaviors are observed closely before signing an insurance contract. A smoker will pay more for his home insurance, for example. But in Germany, the Generali company offers attractive prices for customers who would agree to justify a healthy lifestyle.
Behavior insurance
Play sports and eat organic! This is not the advice of a doctor, but of an insurance company in Germany, which offers price reductions for healthy living. This ” behavioral assurance »Has been offered by the Italian insurer Generali since 1er July in Germany and could well land in France next year. ” We protect our customers by doing prevention and reducing risks », Explains Giovanni Liverani, President of Generali in Germany.
” Vitality ”Is a contract which provides for preferential rates to customers who can prove that they have a healthy life. They will be entitled to personalized programs and follow-ups from the insurance company and, in exchange, will have to show their sales receipts which will prove that they have favored organic products, or their annual subscription form to the sport room.
Social discrimination?
The insurer will even offer a mobile application for its customers, on which they can enter very personal health data, like the number of steps taken during the day or their blood pressure. Do you find that a bit excessive? You are not the only one. Générali defended itself against any hindrance to privacy, explaining that it will be up to an intermediary agency to collect these health data, which will be translated into a note for the insurer.
But already many voices in Germany have been heard to denounce a discriminatory system. Will it now be necessary to have an impeccable hygiene of life to be sure to be well insured? ” Is it up to private insurers to define what good behavior is? “Asks, for his part, Mathieu Escot, head of studies within the UFC Que Choisir. ” If these contracts were to become widespread, it would inevitably lead to an increase in prices for those who did not subscribe to them. “
Read also: Are organic foods better for your health?
