Well, life insurance does that. I recall having someone over to check my health and they had me fill out a form detailing the types of activities I do (it even covered skydiving).
Since I'm healthy, I got a fantastic rate.
However, nothing like that happened for my health insurance. The closest I have is a program that helps pay for my gym membership if I go regularly. The really silly thing is that I'm not able to go regularly because I ride my bike a lot, yet I am likely more healthy because of that than many of the people who go to the gym regularly.
Honestly, I would totally be down with a voluntary system like that for things like obesity, smoking, etc. If I present a lower risk to the insurance company, shouldn't I be rewarded with lower rates? If that were the case, I think more people would make real changes to their lives instead of fiddling with fad diets, pedometers, and gym memberships. Saving $20/month on a gym membership or getting a free Fitbit is less motivating than saving $100/month for being healthy.
Since I'm healthy, I got a fantastic rate.
However, nothing like that happened for my health insurance. The closest I have is a program that helps pay for my gym membership if I go regularly. The really silly thing is that I'm not able to go regularly because I ride my bike a lot, yet I am likely more healthy because of that than many of the people who go to the gym regularly.
Honestly, I would totally be down with a voluntary system like that for things like obesity, smoking, etc. If I present a lower risk to the insurance company, shouldn't I be rewarded with lower rates? If that were the case, I think more people would make real changes to their lives instead of fiddling with fad diets, pedometers, and gym memberships. Saving $20/month on a gym membership or getting a free Fitbit is less motivating than saving $100/month for being healthy.