# Incentivized Insurance Insurance companies invest in consumer health to build relationships. By [Vasiliki Marapas](https://www.trendhunter.com/Vasiliki.Marapas), Research Advisor & Writer | Published Dec 15, 2015 | Category: [Business](https://www.trendhunter.com/pro/category/business-trends) Source: Trend Hunter, https://www.trendhunter.com/protrends/incentivized-insurance ## Key Figures - Trend score: 3.1/10 - Evidence articles: 7 ## What is the Incentivized Insurance trend? **Incentivized Insurance:** Insurance companies are offering rewards for consumers who cultivate healthy habits in their personal lives. In doing so, these companies are not only gamifying the pursuit of wellness; they also position themselves as stakeholders in consumer health. By becoming active participants in consumer lives, these brands succeed in building meaningful relationships. ## At a Glance - Evidence: 7 featured examples - Articles from: Jul 18, 2014 to Aug 17, 2016 - Published: Dec 15, 2015 - Patterns: [Convergence](https://www.trendhunter.com/pattern/convergence), [Redirection](https://www.trendhunter.com/pattern/redirection) - Megatrends: [Co-creation](https://www.trendhunter.com/megatrend/co-creation), [Gamification](https://www.trendhunter.com/megatrend/gamification), [Personalization](https://www.trendhunter.com/megatrend/personalization) ## Audience - Gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America, Europe, Asia ## Themes within the Incentivized Insurance trend ### Incentivized Wellness Insurance companies offer rewards to consumers who cultivate healthy habits in their personal lives, leading to opportunities for corporations to implement wellness plans with incentives for employees to live healthier lifestyles. ### Wearable Technology Wearable tech tracks individual's health data, which can be shared with employers and insurance companies to personalize healthcare and wellness programs. ### Gamification Gamified approaches are used to incentivize people to exercise more, which can be used by businesses to motivate employees to lead healthier lives. ## What the Incentivized Insurance trend means for industry ### For Insurance Insurance companies offer rewards for healthy habits, use wearable tech to personalize healthcare and wellness programs, and tie financial gain to physical activity data. ### For Corporate Wellness Gamified approaches incentivizing exercise and healthy habits can be applied to corporate wellness programs, helping employers motivate employees to live healthier lives. ### For Wearable Tech Wearable technology provides data for personalized healthcare and wellness programs, while also allowing for disruptive innovation in the field of fitness and healthcare. ## Workshop question How could your brand create a stronger relationship with your consumers, such as through something like gamification? ## Trend signals for Incentivized Insurance Trend score 3.1 out of 10, from popularity 47%, activity 40%, freshness 8%. - Popularity: 47% - Activity: 40% - Freshness: 8% ## Examples of the Incentivized Insurance trend 7 featured examples from Jul 18, 2014 to Aug 17, 2016. - [Health Food Shopping Rewards](https://www.trendhunter.com/trends/healthy-eating-incentives): This Insurance Policy Offers Monetary Healthy Eating Incentives (Category: Lifestyle) Implication: The health insurance industry can develop innovative policies and incentives to encourage healthy eating and reduce premiums. - [Fitness-Encouraging Games](https://www.trendhunter.com/trends/zombie-game): The Zombie Game Gets People Healthy While Lowering Insurance Costs (Category: Tech) Implication: Corporate wellness programs can use gamification and wearable technology to promote healthier lifestyles and potentially reduce insurance premiums and healthcare costs. - [Youth-Rewarding Insurance Apps](https://www.trendhunter.com/trends/young-driver): The Young Driver App Rewards Safe Drivers With Insurance Discounts (Category: Autos) Implication: Insurance industry can benefit from adopting usage-based models and gamification features to attract and retain young drivers. - [Incentivized Insurance Rewards](https://www.trendhunter.com/trends/insurance-rewards): Oscar Health Insurance is Paying Customers for Walking Regularly (Category: Marketing) Implication: The incentivized insurance rewards program showcases the potential for health insurance companies to differentiate themselves by offering innovative wellness initiatives. - [Deceptive Fitness Trackers](https://www.trendhunter.com/trends/hide-personal-data): These Machines Helps Users Hide Personal Data from Their Employer (Category: Tech) Implication: The wearable technology industry can explore the development of privacy-enhancing wearables that allow users to control the sharing of personal data. - [Worker-Reported Health Apps](https://www.trendhunter.com/trends/cut-insurance-costs): FwdHealth Helps Companies Cut Insurance Costs With Their Workers' Data (Category: Tech) Implication: The adoption of worker-reported health apps creates opportunities for healthcare technology companies to develop innovative solutions for tracking and analyzing employee health da… - [Wellness Rewards Programs](https://www.trendhunter.com/trends/humanavitality): HumanaVitality Provides Incentives for Staying Healthy and Active (Category: Lifestyle) Implication: Disruptive innovation opportunity: Integrating wellness rewards programs within healthcare systems to promote preventive care and healthier lifestyles. ## Recent trend clusters - [Assisted Conversion](https://www.trendhunter.com/protrends/ai-assisted-checkout) (Business) - [Occasion Commerce](https://www.trendhunter.com/protrends/occasion-commerce) (Business) - [Autonomous Merchandising](https://www.trendhunter.com/protrends/autonomous-merchandising) (Business) - [Assisted Choices](https://www.trendhunter.com/protrends/weight-loss-medication-support) (Lifestyle) ## Trending in Business - [Performance-Based Creator Ads](https://www.trendhunter.com/trends/creator-ad-platforms) - [MIami Pop-Culture Shirts](https://www.trendhunter.com/trends/miami-pop-culture-shirts) - [Natural Deodorant Expansions](https://www.trendhunter.com/trends/target-beauty-studios) - [Mini Beauty Stores](https://www.trendhunter.com/trends/little-luxuries-store) All articles: [Business](https://www.trendhunter.com/business)