1. Vitality Insurance Plan
運動概念保險
Many Hong-Kong residents have begun to pay more attention to their health. In
order to pick up on these trends, insurance companies now offer health insurance
packages that benefit users when they engage in healthy practices. These plans
provide premium discount based on insured’s amount of exercise, and aim to
advocate a comprehensive health management concept in which people can not
only save money but also help to develop a more healthy lifestyle. The program has
been initially offered in the United States, where insurance companies charge lower
premiums to workers who meet certain benchmarks for healthy living.
很多港人開始更注重健康，最近就有不少保險公司看準機遇，推出以以運動量
計算保費折扣的保險計劃，提倡全方位的健康管理，令港人慳錢之餘，同時建
立更健康的生活習慣。同類的計劃在美國早已推行，保險公司會要求投保人達成
一些生活上的健康指標後，便可以支付較低的保費。
Vitality Insurance links health practices with premiums paid as it is a way to improve
risk profile. Customers with high health factors, e.g. normal pulse rate, low
cholesterol Index and non-smokers, are viewed as low risk and received cheaper
premium. Insurance companies have come up with innovative ways to track their
customer’s lifestyle. They make use of fitness trackers which are linked to mobile
phone apps and fitness wristband, so customers are rewarded with every single
move they make.
運動概念保險將計劃保費與健康習慣掛鉤來作為風險管理的一種方式。具較高健
康系數的顧客，如正常脈搏率、低膽固醇指數、非吸煙人士等，會被視為低風險
組群並獲得較便宜的保費。保險公司以創新科技來追踪客戶的生活方式，利用手
機應用程式或智能手帶作為運動測量器，客戶能為他們的一舉一動獲得獎賞。
Some of the factors would be considered when calculating premiums include:
 Body Mass: On average, people with high body mass index (BMI) have
significantly higher premiums compared to those with normal BMI. This is so
because, people with a high BMI can suffer from, or develop diseases including
diabetes, heart and joint problems.
 Tobacco use: Seen as a popular reason for why insurance companies may
charge higher premiums. Insurance companies often “penalize” applicants who
use cigarettes or chew tobacco by additional charges layer when joining health-
related insurance.
 Pre-existing Medical conditions: A pre-existing condition is any injury or illness

2. affecting you or one that used to, that existed before the start of a new
insurance plan. Insurers tend to respond with covering for your pre-existing
conditions through premium loading.
會被考慮作為計算保費的因素包括：
 體重：平均來說，高體重指數(BMI)的人的保費會比普通 BMI 的人高出不少，
因為 BMI 較高會更容易導致肥胖相關疾病，如糖尿病、心臟和關節問題等。
 吸煙習慣：吸煙是最常被保險公司要求支付更高保費的原因之一。申請人若
有吸食煙草習慣，參與健康相關保險時被「懲罰性」地加上額外的收費層。
 保前病歷：「投保前病歷」是指在保單生效前已經開始、發生或存在的任何損
傷或疾病。若要投保前病歷同樣得到保障，保險公司通常增設附加保費。
According to world Cancer Research Fund's website, being physically active every
day in any way for 30 minutes or more has a direct effect on reducing cancer risk. It's
also key to helping you to control your weight. Given premium calculation based on
the amount of physical activities, policyholders are able to obtain discounts and
promotions, as long as reduce the risk of suffering serious diseases, while insurance
company can also save cost on claims expenditure. Therefore, offering Vitality
Insurance results to a win-win situation for both the insurance provider and user. In
the era of big data, as smart phone is easy to interact with other intelligent devices,
e.g. smart strap or watch, large amounts of data can be analyzed and transmitted in
real-time basis to simply and accurately calculate conversion rate for exercise
amount to discount received. Insurance packages become more considerate and
personalized.
世界癌症研究基金會的網站指出，每天最少進行 30 分鐘體力活動，對減低患上
癌症的風險有直接影響，也可幫助控制體重。按運動量計算保費，投保人除可賺
取折扣和優惠外，亦減輕患上重病的風險，而保險公司亦可望減少索償開支。因
此，運動概念保險可為投保和承保雙方實現雙贏案面。在大數據時代，智能手機
可輕易配合其他智能設備，如智能手帶或手錶，大量數據可以實時傳送分析，
簡單準確地計算運動量及換算折扣，令保險變得更貼身和個人化。
There are several insurance companies that offer Vitality Insurance in market
nowadays. Yet the redemption amount and procedures for premium discount
depends on different calculation methods from fitness activities taken by insurance
companies, people who are interested should read carefully to terms and conditions
of corresponding plan. For example, some plans record your average daily steps with
a fitness tracker and provides direct premium discounts on coverage of eligible
insurance after meeting the requirement of reward level. Other providers may use

3. bonus point scheme. Policyholders can earn points rewarded by various healthy
activities, such as body check, meeting weighs target or even running a marathon.
Accrued points can be used to redeem for discounts directly or cash coupon and gifts
on their own needs.
現時，市面上已有數間保險公司提供運動概念保險，不同保險公司計劃所採取
的運動計算和兌換折扣額方式均有所不同，有興趣的朋友應先了解相關產品的
折扣細則及條款。例如，有計劃只利用智能運動手帶計算每天平均步數，便可直
接享有不同程度的保費折扣。另外也有保險公司採用積分制，投保人可透過不同
活動，如身體檢查、減重達標、甚至參與馬拉松賽事，來賺取積分，再按喜好換
取保費折扣或禮券獎賞等。
If you are low fit and have been sedentary for long time, it is recommended to start
your fitness program with simple rules first. Please adopt a gradual and orderly
progress to achieve a high intensity workout targets. For these “Fitness Activists”,
you might consider challenging more complicated structural package.
如你的體能不佳，而且長期沒有運動，建議開始時選擇較簡單的計劃，採取循
序漸進策略，慢慢挑戰高運動目標，而本身已是運動一族的朋友，則可以考慮
挑戰規則較複雜的計劃。