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> attends a participating gym twice a week I exercise at least an hour every day of the week, I cycle, walk, or lift weights in my home gym. How would I prove
by FriedrichN 5y ago
> attends a participating gym twice a week
I exercise at least an hour every day of the week, I cycle, walk, or lift weights in my home gym. How would I prove to my insurance that I'm in fact working out? I rarely miss a workout, but your proposed mechanism would make me pay a higher premium despite being way more active than the average policy holder.
- deleted 5y ago[deleted]
- cj 5y agoCould be a free fitness tracker they provide you? Or you share your fitness data from Apple health with their app? It's not such a crazy idea. There are already car insurance companies that give you discounts by putting a GPS tracker in your car and bill you based on driving behavior.
- FriedrichN 5y agoEven if we were to accept the privacy invasion that would entail, it would most likely only work for the cycling and walking (average speed, distance) but it wouldn't really work for lifting weights. There's not really a way to see how hard I'm straining on my deadlifts, squats, pullups, etc. I'm sure there will be similar issues for other modalities of exercise and training as well.
- hn8788 5y agoAll they'd need is a heartrate monitor to cover every type of exercise. Some healthcare companies already offer monitoring for a discount as well. The most common I've seen is a pedometer that reports if you've reached a target amount of steps during a day, but I've also seen companies that can track heartrate through an apple watch.
- FriedrichN 5y agoHeart rate is not really a useful metric when lifting weights to be honest. My heart rate might spike a little when I do a set of heavy deadlifts, but putting away the plates afterwards sometimes feels like more of an exercise than the lift itself. And then there are the cases where wearing a monitor around your wrist or chest might not be such a good idea or impractical (I can imagine ring gymnastics being one). I fear this is one of those cases where technology simply falls short. Some problems are more social than technical.
- sneak 5y agoIs it a privacy invasion when you volunteer to a friend where you work out? Engaging consensually in a business transaction where you volunteer information willingly is not a privacy violation unless the market is broken (like, for example, ISPs or GSM carriers).
- dmitriid 5y ago> Engaging consensually in a business transaction Healthcare is not a business.
- sneak 5y agoIf it's provided by other people who are not themselves enslaved, it absolutely is. Maybe a state-subsidized one, but money is changing hands for services whether it comes out of your pocket or not. Further, we're not talking about healthcare. We're talking about de-risking potential future financial liability by purchasing insurance. Insurance is absolutely a business.
- dmitriid 5y ago> If it's provided by other people who are not themselves enslaved, it absolutely is. What a leap. > but money is changing hands for services whether it comes out of your pocket or not. It doesn't mean it's a business in the sense of "commercial activities" > Further, we're not talking about healthcare. Let me see: - we're in the comments section to "World Health Organization: List of Essential Medicines" - dicsussing denying people healthcare based on invasive monitoring of their activities Yes. We're definitely talking about healthcare. > Insurance is absolutely a business. It definitely is. Especially in the states. And in case of healthcare it definitely shouldn't be. And it definitely shouldn't be advocated for.