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- Горка: 1
- Hey John!
- Hey Melissa, how are you?
- Горка: 2
- John, you study medicine and how people function and I study risk...
- Have you ever thought about how they interact?
- Горка: 3
- Think about the underwriting process. We use your medical history to help determine customers Insurance premiums.
- Горка: 4
- Some medical data could be unethical to use to help rate policies, that's why laws are put in place to help with discrimination in health insurance (GINA laws).
- Горка: 6
- Friends, Dr. John Erie (right) and insurance agent, Melissa Foremost (left) meet for coffee.
- Горка: 7
- It's a process called predictive modeling! Your personal biology helps us better access your future needs. Less guessing, more analysis.
- I guess we both use biology to improve lives, just in different ways!
- Горка: 8
- HAHAHA
- HAHAHA
- Горка: 9
- Monitoring your sleep cycles such as how many REM cycles you complete a night must be important if they can use it for insurance!
- Горка: 10
- Good Night!
- Горка: 11
- THE NEXT DAY...
- Горка: 12
- Mapping genes and predicting diseases isn't much different from the process of predictive modeling in the insurance industry...
- Горка: 13
- If insurers use data like this ethically, then they could really make a difference in how people view insurance as a whole.
- Горка: 14
- Meanwhile...
- Wearable fitness tech and health tracking apps can really change how we write risks.
- Горка: 15
- Assessing biological data doesn't just help with our rating process but also helps us provide efficient coverage for all of our customers!
- Горка: 0
- I don't think I ever have, but now that you mention it, I'm curious...
- Wait... isn't using some ones medical data kind of invasive?
- So, the fitness tracker app on my phone that tracks sleep patterns, my heart rate, and calorie intake, could be used to determine how much health insurance I need?
- Wow! Interesting, I use biology everyday to save lives, I didn't realize it could save me money!
- No! Not unless you specifically volunteered to submit that data in order to get discounts, that some companies offer.
- Things like smoking and unhealthy eating habits affect cardiovascular health and even those could change how we assess risk.
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