The Doctor in the data

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      <subfield code="a">The traditional pricing model works to capture policyholder data during the quotation process. This means that the risk is assessed at that point in time, with a predefined discriminating factor (such as smokers vs non-smokers). This data may be updated following results from health assessments (such as blood tests) to assess whether, say, a non-smoking habit has changed. Preventive life insurance takes a diff erent approach. The information gathered via the traditional approach  self-reported risks and habits  could be extended using data obtained from a personalised monitoring device. Currently, these devices track basic health factors, such as sport activity, pulse, blood pressure, body temperature and oxygen saturation.</subfield>
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