justInCase, Inc. and justInCaseTechnologies, Inc. (“justInCase”) have developed “Walk You Way to Health”（https://healthscore.justincase.jp）, Japan’s first health insurance which reflects premium discounts determined monthly by the number of steps and BMI (calculated by weight and height). Sales starts on September 1, 2020.

In “Walk Your Way to Health” insurance, the premium discount will be reflected in the premium for the following month based on the average number of steps taken each day tracked by justInCase’s app. It is a completely new type of health insurance in which the number of steps recorded by means of “walking” habits such as commuting to work, commuting to school, and shopping is directly converted into premium discounts. Users can submit their BMI details on justInCase’s app and their BMI details will also be used to determine the premium discount. In other words, it is an insurance which is not only cheaper, but it can also “walk” along with you towards a healthier life.

Development background

“Walk Your Way to Health” insurance is filled with justInCase’s desire to provide everyone a pleasant journey of pursuing good health. Although justInCase is an insurer, provision of insurance is not the real purpose. The world is facing an unprecedented situation which has been causing significant impact on our lives. People who used to have training habits may now be unable to go out and become worried about lack of exercise. Knowing that the simplest and most primitive action of walking contributes to good health, proved by proprietary big data analysis※, justInCase has developed this insurance that supports a healthy life. It’s also hoped that this insurance can help everyone reinforce their own efforts to deal with social challenges such as rising healthy life expectancy and the tight financial situation in the country due to the rising medical costs.

※In collaboration with DeNA Healthcare Co., Ltd. of the DeNA Group, justInCase has built a model of analyzing “how steps and body weight contribute to morbidity and insurance benefit payments”

Among the traditional insurance products, there have been premium discounts for smoking with or without smoking for health insurance, and gold-level driver discounts for car insurance. In recent years, insurance that rewards health yearly with discounts based on the number of steps, BMI, and health checkup results is also increasing. By using advanced technology, “Walk Your Way to Health” rewards users with premium discounts monthly, enabling users to feel and recognize their hard work “every month” .

This time, step count and body weight (BMI), two factors are used for evaluation. In the future, justInCase will study other factors related to sleeping and eating habits and so forth in order to further evaluate and reward users’ efforts of various health activities.

Results of Survey targeted walking app’s users※

Users of the walking app “aruku&” operated by ONE COMPATH were surveyed and about 75% of them said they would like to sign up “Walk Your Way to Health” insurance.
In addition, the proportion of respondents who said they were interested in health life expectancies, and the proportion of respondents who said they were worried about rising medical costs were both about 90%. About 83% said their health awareness had increased during the COVID-19 pandemic.
It is believed that the focus on the trend of health & wellness will continue to rise in the future.
In addition, justInCase is tying up with “aruku&” to launch a campaign where discounts are applied to the first month premium of “Walk Your Way to Health”, starting in September 2020.

※Online survey conducted between August 1 and August 4, 2020 (valid no. of responses: 782, target audience: male & female “aruku&” users of all age groups)

Supporting Partners

・ONE COMPATH CO., LTD.
・FiNC Technologies Inc.
・GMO Media Inc.
・DeNA Co., Ltd.

About “Walk Your Way to Health”

（https://healthscore.justincase.jp）

〈Coverage & benefit payment〉
・For hospitalization & surgery due to Cancer, Heart Attack or Stroke, a lump-sum ¥600,000 will be paid
・For hospitalization & surgery due to Diabetes, High Blood Pressure, Liver Disease, Renal Disease or Pancreatic Disease, a lump-sum ¥300,000 will be paid
・For 2 days 1 night or longer hospitalization due to other illnesses or injuries, a lump-sum ¥100,000 will be paid

〈Pre-discount Premium〉

18-52%* premium discount starting from the first month!
The pre-discount premium is determined by gender and age, and the discount amount is determined by the average number of steps taken in the previous month and BMI calculated from height and weight.
For example, the monthly pre-discount premium for a man aged 40 to 44 is ¥1,900. If he achieved an average of 8,000 steps in the previous month with BMI 22, he receives a 20% discount in this month, amounting to ¥380.
The insurance premium for the first month will be calculated on a per diem basis from the start date of the insurance contract until the end of the same month.
*The range of premium discount rates shown is in the case of 16,000 or more average number of steps in September. The 18% discount is for men aged 20 to 24 and the 52% discount is for men aged 70 to 74.
You can simulate premium calculation on justInCase’sapp or product page.

〈Sign-up Procedure〉
① Complete online application on the product page
② Install justInCase’s app
③ Submit details of your height and weight on the app (e.g. image of health checkup results within one year, or images of ID and photos of measurement result shown on weight scale)
④ Start walking and carry your mobile phone or other devices with you ( Apple Watch can be connected with justInCase’s app)

About justInCase

As a small-amount and short-term insurer founded in 2016, justInCase aims to create value through innovation to make insurance become interactive. By utilizing Machine Learning, Artificial Intelligence and other innovative technologies, justInCase aims to offer insurance products and services around the world that are yet to exist. (https://justincase.jp/eng)

About justInCaseTechnologies

Established in 2019, justInCaseTechnologies provides reliable and seamless insurance API technology and digital platform solutions for justInCase, as well as other insurance and business partners in finance and healthcare fields. (https://justincase-tech.com/en/)

For any inquiries, contact:

Elaine Tung
pr@justincase.jp
1-6-1 Chiyoda Otemachi, Tokyo