From: Adopting wearables to customize health insurance contributions: a ranking-type Delphi
Second round | Third round | ||||||
---|---|---|---|---|---|---|---|
Place | Barrier | \(\overline{r }\) | σ | Place | Barrier | \(\overline{r }\) | σ |
1 | Privacy issues/data protection | 2.88 | 2.34 | 1 | Privacy issues/data protection | 1.50 | 0.87 |
2 | Legal requirements | 3.81 | 2.94 | 2 | Legal requirements | 2.94 | 2.08 |
3 | Lack of data validity/inaccurate measurements | 4.38 | 3.06 | 3 | Lack of data validity/inaccurate measurements | 4.63 | 2.37 |
4 | Application errors | 5.25 | 2.08 | 4 | Application errors | 4.69 | 2.05 |
4 | Solidarity principle of insurance | 5.25 | 3.54 | 5 | Lack of technological competencies at health insurers | 6.13 | 2.57 |
5 | Lack of technological competencies at health insurers | 6.50 | 2.81 | 6 | Wearable data not suitable for contribution adjustments | 6.25 | 2.14 |
6 | Wearable data not suitable for contribution adjustments | 7.00 | 2.94 | 7 | Solidarity principle of insurance | 6.63 | 2.03 |
7 | Lack of public acceptance of wearing wearables | 7.56 | 2.45 | 8 | Lack of public acceptance of wearing wearables | 7.00 | 2.62 |
8 | Bad cost–benefit ratio of individual contributions | 7.63 | 2.47 | 9 | Bad cost–benefit ratio of individual contributions | 8.38 | 2.74 |
9 | Lack of access to wearables | 7.88 | 2.29 | 10 | Lack of access to wearables | 8.69 | 2.05 |
9 | Fear of sanctions | 7.88 | 2.03 | 11 | Fear of sanctions | 9.19 | 1.88 |