Rewarding Healthy Habits: Building a Smart Incentive System for Health Insurance

Picture this: You're a health insurance company that wants to revolutionize how you engage with your customers. Instead of just collecting premiums and paying claims, you want to actively encourage healthy behaviors and reward your most consistent users with meaningful benefits.

🏃‍♂️ The Challenge: Motivating Consistent Health Habits

Meet HealthGuard Insurance, a forward-thinking company that decided to take a proactive approach to customer wellness. They recognized that healthy customers are not just happier—they're also less likely to file expensive claims.

The Big Idea: Provide a 10% discount on insurance premiums to users who maintain comprehensive healthy habits throughout the week.

But here's the million-dollar question: How do you accurately track and reward consistent users without creating a system that's either too complex or easily gamed?

🎯 The Business Goal

HealthGuard's wellness app tracks various user activities:

• 📱 Step count throughout the day
• ❤️ Heart rate monitoring
• 🍎 Calorie intake tracking
• 🏃‍♀️ Exercise sessions and duration

The challenge? Building a system that can:

• Accurately track multiple health metrics weekly
• Automatically identify consistently healthy users
• Instantly apply premium discounts
• Scale effortlessly as the user base grows

🛠️ The Technical Solution: Real-Time Health Metrics Tracking

Step 1: Continuous Data Collection

The app needs to track multiple health metrics continuously and send this data to Datablit for processing. Here's how it works:

The Approach:

1. Internal counting: The app track metrics internally every minute
2. Smart tracking: Only send data when a metrics is > 0 to avoid unnecessary API calls
3. Real-time updates: Use Datablit's track function for immediate data processing

// Example1: Tracking health metrics every minute
datablit.track("RECORD_HEALTH_METRICS", {
  time: "2025-10-13:22:11:00",
  step_count: 44,
  calorie_intake: 0,
  exercise_duration: 1,
});

// Example2
datablit.track("RECORD_HEALTH_METRICS", {
  time: "2025-10-13:22:11:00",
  step_count: 0,
  calorie_intake: 50,
  exercise_duration: 0,
});

Step 2: Building the Weekly Health Metrics

Now comes the magic—converting individual health metrics into meaningful weekly aggregates:

📊 Signal: Weekly Health Metrics

This signal automatically:

• 🔄 Aggregates all health metrics from the past 7 days
• ⚡ Updates in real-time as new data is recorded
• 📈 Maintains accuracy with high-frequency data collection

🎯 The Smart Rule: Identifying Consistently Healthy Users

With our weekly health metrics in place, we can now create an intelligent rule that automatically identifies users who deserve the premium discount:

🚨 Rule: Consistent User Detection

user_1w_step_count > 70000 && user_1w_calorie_intake > 10000 && user_1w_exercise_duration > 60

The Logic: Users qualify for the 10% premium discount when they meet ALL three criteria:

• Steps: More than 70,000 steps per week
• Nutrition: More than 10,000 calories consumed per week
• Exercise: More than 60 minutes of exercise per week

This comprehensive approach ensures that users are maintaining a truly healthy lifestyle across multiple dimensions, not just being active.

🚀 The Implementation: Real-Time Decision Making

When it's time to process premium payments, the application can instantly evaluate whether a user qualifies for the discount:

// Check if user qualifies for premium discount
const isConsistentUser = datablit.evalRule("consistent_user_rule", "user_1");

if (isConsistentUser) {
  // Apply 10% discount to premium
  applyPremiumDiscount(userId, 0.1);
} else {
  // Process standard premium
  processStandardPremium(userId);
}

🎉 The Results: A Win-Win Solution

With this system in place, HealthGuard Insurance now has:

• 📊 Real-time insights into user health behaviors
• 🎯 Automated reward system that encourages healthy habits
• 💰 Reduced claims from healthier, more active customers
• 😊 Higher customer satisfaction through meaningful incentives
• ⚡ Instant processing of premium discounts

The consistent user incentive program is now live and motivating healthier lifestyles!

🔮 What's Next?

This foundation opens up endless possibilities:

• 🏆 Tiered rewards for different activity levels
• 🎯 Personalized goals based on user demographics
• 📱 Gamification elements to increase engagement
• 📊 Advanced analytics for business insights

Ready to build your own incentive system? Datablit makes it simple to track, analyze, and reward user behaviors in real-time.