當今科技與資通訊技術的高速發展大幅提升人類的生活便利性，但同時亦容易養成久坐不動的生活習慣，隨之而來導致肥胖及其相關的慢性病症，除對健康的危害，並衍生龐大的醫療費用負擔。
近年來由於預防醫學的觀念與健康管理的意識有所提升，人們逐漸開始注重自我健康的管理，並逐漸落實在日常的生活與消費模式上，包含輕淡飲食的文化、運動健身的風氣、定期健檢…等。金管會為促使民眾加強自我健康管理，要求保險業者研發具有健康促進效果的外溢保單；試圖透過健康應用程式、穿戴科技與保險商品相結合以及回饋獎勵的提供，鼓勵民眾培養良好運動習慣，並希望藉此同時達到促進國民身體健康、降低保險公司理賠成本及減少社會醫療費用支出的三贏效果。
本研究使用某大型人壽保險公司販售的運動型健康管理醫療保險之保單資料，透過多元線性迴歸模型與Probit模型從事實證分析，發現影響提供運動資訊意願因子與建立運動習慣的因子截然不同，其中承保上相對較不健康的群體，雖然具顯著較高的提供運動資訊意願，惟在運動習慣建立上卻未產生對應的顯著效果。
另外我們發現提供運動資訊對理賠給付與否雖有顯著增加的效果，但實際上對理賠給付倍數的影響並不顯著。惟經本研究實證結果證實，被保險人如透過一定程度以上的運動習慣建立與維持，確實能有效減低保險公司理賠成本，亦對民眾自身健康與社會醫療成本的降低將帶來相當的助益。建議保險公司應多研發具有良好運動回饋機制的健康管理保險商品，這對個別民眾、保險公司、健康產業、甚至整體社會而言都是具有正面良好效益的。

The rapid development of technology has greatly improved the convenience of our lives. However, it has also caused us to over-conserve our physical energy and develop sedentary living habits. The consequences of this trend include the health hazards of obesity and related chronic diseases, as well as the enormous financial burden of medical expenses associated with them.
To encourage individuals to enhance their self-health management, the Financial Supervisory Commission has driven insurance companies to develop insurance policies with positive health promotion effects and simultaneously, reduce insurance claim costs, and decrease societal healthcare expenditure, thereby achieving a triple-win effect.
This study utilized policy data from a large insurance company that sells sport-oriented health management medical insurance. Through empirical analysis, it was observed that individuals who were relatively less healthy and more likely to be insured demonstrated a significantly higher willingness to provide exercise information. However, this willingness did not correspondingly result in a significant effect on the establishment of regular exercise habits.
While providing exercise information can lead to a significant increase in claims, but the impact on payout multiplier is insignificant. Additionally, the empirical results of this study confirm that establishing a certain level of exercise habit can effectively reduce the insurance company's claims costs. It also brings significant benefits to individuals' health and the reduction of social healthcare costs. It is recommended that insurance companies should develop more insurance products with good exercise feedback mechanisms in the future. This will have positive effects on the entire society.

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