Wearable health data

Integration of wearables to enhance insurance services, personalize offers, and promote preventive health.

The role of Wearables in the insurance sector

In recent years, the wearable market has grown exponentially, increasing the amount of data collected and shared with systems capable of processing it. Health data can be used in the insurance sector to assess customers' health status, prevent health issues, and reduce the costs of health insurance premiums. The use of this data also allows for the creation of personalized packages for end users.

Monitoring can be active, analyzing heart rate, maximum and minimum peaks, resting beats according to age, and blood oxygen saturation to assess breathing quality, which is particularly useful for smokers. Recently, the possibility of tracking pregnancy status has also been introduced.

Technological Integration and Gamification

The collected data can be used to introduce gamification elements in apps, encouraging users to lead healthier lives through goals such as steps, calories, and hours of activity. These goals can translate into discounts on policy renewals, creating greater customer loyalty.

Creating goals is an excellent method to stimulate prevention, beneficial both for the customer who benefits in terms of health and for the companies that can offer better service and save on indemnities. Technology Reply has supported its clients in the ideation, design, and implementation of the necessary infrastructure for data collection through integration with Google FIT APIs for reading and writing user physical activity and health data.

Development phases


Technology Reply Financial Services managed all phases of the solution development, from requirement analysis to integration on apps and mobile devices, up to production deployment.
The critical phases of the project were:

  • Business Requirements Analysis and Feasibility Study: A business requirements analysis was conducted, defining objectives and priorities with stakeholders. Subsequently, a feasibility study evaluated the technical and economic viability of the project, ensuring it was sustainable and aligned with business goals.

  • State-of-the-Art Review and UI/UX Design: Existing market solutions were examined to identify best practices and innovations. Concurrently, the quality of available data was assessed to identify improvement opportunities. Besides, In the UI/UX design phase, user interface prototypes were created using Figma, ensuring an optimal experience. Usability tests were conducted, gathering feedback from real users and iteratively improving the design.

  • Data Management Infrastructure Design: A secure and scalable data infrastructure was designed, using MySQL for data management and AWS for scalability and security. Backup strategies were planned to ensure continuity.

  • Solution Implementation, Google API Utilization Requests Creation and production deployment: During the development phase, functionalities were built using Python and Angular. Deployment was managed with Jenkins and Docker, and project documentation was created to facilitate adoption and knowledge sharing. OAuth 2.0 protocol was implemented for secure authentication, and requests to Google FIT APIs were developed, with specific tests to ensure smooth integration. For production deployment, Jenkins and Docker were used for continuous deployment, performance monitoring was conducted, and training was provided to users and support staff.

Conclusions and future perspectives

Technology Reply Financial Services, leveraging its expertise in system integration and in developing solutions that combine business needs and User Experience optimization, has supported its clients in the technological evolution of their systems. In the future, we see the integration of the Health sector into the insurance industry as increasingly crucial, leveraging wearable devices with our clients' systems.

This will enable the provision of "tailored" offers to end-users and support the business in creating sustainable packages and choosing more informed solutions. The synergy between technology and health data offers enormous potential to improve both service quality and customer satisfaction.