The ability to vary health and life insurance premiums based on actual lifestyle behaviors enabling insurers to accurately predict and manage a large portion of health care costs.



There are 1.8 billion smartphones in the world today plus an explosion of other devices getting connected to the web. Wearable fitness trackers is set to become a $30 billion industry by 2018, 1 in 10 people in North America wear one today. In the United States, 1 in 3 adults are obese and the medical costs associated with obesity are estimated at $147 billion. Baseline feels that Pay-as-you-Drive is the pre-cursor to Pay-as-you-Live healthcare insurance since a large portion of health care costs are driven by behavior; in particular, bad-diet decisions that lead to obesity and diabetes. Wearable fitness trackers can play a major role in how individual-and-group health insurance costs are decided. Using our unique technologies, healthcare insurance underwriting and rating can switch from historical claims data, to real time health data. This will allow insurers to massively communicate very personalized information, digitally.

To many, wearables are still a novelty. Many people don’t understand their value, especially when they see the price tag. The best way to get consumers to see these devices in a new light is for health insurance companies to begin integrating wearable technology into their business models.


PAYLive is powerful Health and Life Insurance program providing unparalleled power and visibility to its users;

  1. Healthier, more engaged customers:Wearable technologies educate policyholders on their own bodies, empowering them to make wiser decisions about their health. Healthier customers will require fewer medical appointments, tests, and hospital visits. Wearable devices are constant reminders for policyholders to set and meet health goals and recognize their progress, keeping them on track for healthier living.
  2. Better models of risk and care: As wearable technology collects more data about individual customers, Insurer can adjust risk models to more accurately fit each patient. That way, Insurer and the policyholder are only paying for the care that particular individual needs, rather than the indeterminate needs of a group.
  3. Stronger collaboration with healthcare providers: Wearable devices allow patients to share and transfer information to physicians from any location at any time, which can be shared with Insurer.
  4. More specific, personalized treatments and diagnoses: Wearable devices gather the health data of users 24/7, diagnoses and treatment plans can be fine-tuned for each policyholder, cutting down on the need (and cost) of labs, tests, and extended hospital stays. Patients with chronic conditions can be monitored closely from the comfort of their homes.
  5. A stronger bottom line: Wearables can save insurers money and increase sales. Allowing more policyholders — even those with chronic illnesses or post-operative needs — to be continually monitored outside the hospital. This will help dramatically reduce the rate of costly remissions. Such personalized and predictive data leads to better treatment, more precise care, and eliminate a costly guessing game, especially after hospitalization.

By use of the fitness tracker and its mobile application, the data is transmitted to the Command Center for Insurers to capture and manage the data.

  • The Command Center is a flexible back-end portal that provides a centralized location for all the insurance related data
  • It acts as a gateway between the fitness tracker application and the Policy Administration System (PAS) allowing the insurer to easily customize the Application. The insurer uses the rich collected data to offer personalized, targeted quotes through the Application generating additional sales and lowering the cost of acquisition.
  • It integrates and shares data seamlessly with an Insurer’s Policy Administration System (PAS), as an Add-On (Guidewire, Sistran, Exigen, Oneshield, Duck Creek) or alternatively,  may also provide a light PAS based on Microsoft CRM

The fitness tracker is purchased by the policyholder in a “bring your own device”-style. Depending on the context of each behavior, the following Medals can be earned:

  • Daily steps walked
  • Daily Calories burnt
  • Daily kilometers walked
  • Daily Calorie intake
  • Daily weight measurements
  • Daily BMI measurements
  • Daily Fat Mass Measurements
  • Regular blood pressure measurements
  • Regular pulse oxymetry measurements
  • Active gym memberships & attendance
  • Overall Improvements over time


When IBM stepped on stage at CES 2015 and challenged attendees to “Make it Wearable”, they sparked a new tech revolution. From watches to heart monitors, to Google’s own experimental contact lenses to monitor blood glucose levels, the message has been clear: it’s never been easier to track and manage one’s health. So why haven’t insurance companies caught on?

Our extensive experience with UBI and our Pay-as-you-Drive program has allowed us to enter an entirely new insurance market: health insurance.

Today, we have the ability to track several factors contributing to good health, like:

  • Physical activity through step counters and heart rate monitors.
  • Sleeping habits through heart rate monitoring.
  • Diet through blood glucose monitoring.

And many devices that enable these features are already on the market:

  • Withings Smart Body Analyzer: measures weight, body composition, heart rate and air quality
  • Nuubo: The wireless electronic device registers the patient’s biomedical parameters such as body position or level of physical activity
  • Smart watches & fitness band trackers containing sensors that track heartbeat, calories & sleep
  • Smart Contact Lens to measure glucose levels for diabetics , by Google
  • And many more…

As these products proliferate the market, it will become apparent that UBI can and should be applied to Health. As leaders in UBI, Baseline is already prepared with our proprietary apps, servers, and web portals to assess these metrics and apply a context and scoring suitable for health insurance.

The earlier you start offering UBI for health insurance, the earlier your company can lead the way in health insurance. Customers will be expecting revolutionary ideas for insurance, and the company that takes charge will surely benefit with high client acquisition and retention.


There are billions of devices currently in the world that can track health data. Relying on historical data is an often inaccurate assessment of someone’s health, and fails to take into account dietary changes and behaviours that can have a sudden impact on health costs. Rather than waiting for the next medical emergency, it becomes possible to warn your customers of their bad habits via messaging services to help them get back on the right track. Wearables can even help track those who are chronically ill and help them avoid costly hospital visits.

By adopting wearable technology into your insurance business model, you’ll dramatically increase awareness of these products and attract new policyholders, either with a revolutionary PAYL UBI program, or incentives offering the latest wearable technology. Other insurance companies have already started and they’ve seen the benefits to their bottom line.

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