Letters

摘要

Your article on innovation in insurance ("Run for cover", July 20th) did not touch on a fundamental transformation that is taking place across the life-, health- and motor-insurance markets, namely incentivising customers to be healthier and to make better choices. This acknowledges that the nature and treatment of risk has shifted, from pre-existing risk to risk driven by behavioural factors. Some 60% of mortality and 80% of the global disease burden are a function of just four lifestyle choices—lack of exercise, poor nutrition, smoking and alcohol abuse—which lead to major non-communicable diseases.