HCM 320 Module Four Journal Guidelines and Rubric The Case for Incentivising Health is based on Australian data, but the challenges of combating chronic disease there are similar to the challenges present in the United States. Read the case carefully and consider the list of main considerations those working in the preventative health space could think about when developing programs, policies or interventions to change behaviors listed on page five. Address the following questions: Which of these cues do you consider to have the most impact in terms of changing healthcare behaviors of the patient? Which of these cues would you most readily respond to as a patient? Which cues do you think are most likely to be adopted by providers and insurance companies? Support your responses with examples from your own experience, the case, or references to the textbook or other scholarly sources. Use the journal as an opportunity to familiarize yourself with the final project requirements and case study. Journal activities in this course are private between you and your instructor. Only the instructor can view and comment on your assignments. What to Submit Your journal assignment should be 2 to 4 paragraphs in length. Submit assignment as a Word document with double spacing, 12-point Times New Roman font, and one-inch margins./n AIA Vitality The Case for Incentivising Health Using behavioural economics to improve health and wellness A White Paper from AIA Australia Contents Foreword Executive summary... Introduction ●●●●● ●●●●●●● Non-communicable diseases Public health and health promotion Behavioural economics and health .... Wellness programs Vitality case study Conclusion....... ●●●●●● .... ●●●●●● ●●●●●●●●● 3 ●● 4 6 8 10 12 20 21 Bio of Professor Kevin Volpp, MD, PhD Appendix A: The history of public health and health promotion ......... 26 24 25 CONTENTS 1 Foreword Two in three Australians are currently overweight or obese and chronic disease is the leading cause of death and disability in the country. These preventive health challenges affect all sectors in Australia, including the life insurance industry. At AIA Australia, we have seen this first hand, with increasing numbers of claims made because of chronic diseases that affect a person's ability to work, causing financial strain and impacting on their quality of life. Finding a way to halt this trend is critical for Australians to live better and happier lives with their families and for a more sustainable future for our national health system. To help address this issue, AIA Australia is bringing the world's largest health and wellness program - Vitality - to Australia. Using the latest research in behavioural economics and health incentives, Vitality is designed by academics and health practitioners to encourage people to take the first steps towards healthy living and, more importantly, to make these lifestyle changes permanent. AIA Vitality provides the knowledge and tools for people to achieve their health goals. Members of the program have the opportunity to complete full health and fitness assessments and earn points for undertaking healthy activities, such as buying healthy food and going to the gym. They are rewarded through discounts on shopping, entertainment and travel purchases, among other benefits. It will be sold initially through financial advisers to people who purchase an eligible life insurance policy with AIA Australia. Over five million people across five countries - South Africa, UK, USA, China and Singapore - are being motivated every day to lead healthier lives through Vitality, an incentive-based program. Evidence for the efficacy of the program - in terms of improved clinical outcomes, reduced healthcare costs, lower hospital admissions, increased productivity at work and improved mortality rates - has been profiled in leading academic journals such as the American Journal of Health Promotion. We believe that Vitality can have a very significant impact on Australia's health, while at the same time revolutionising the life insurance industry. Research into the benefits of employing behavioural economics, such as through incentives and 'nudges', as a part of the array of health promotion tools is still in its infancy in Australia. However, there is rapidly growing interest by governments and NGOs in learning how to incorporate these principles into program planning and policy making. To help further this discussion, AIA Australia has commissioned this White Paper report titled The Case for Incentivising Health. Specifically, I'd like to thank Professor Kevin Volpp from the University of Pennsylvania for writing the introduction to the White Paper. Professor Volpp's considerable guidance in sourcing the latest research in the area of health incentives has been invaluable and I'm delighted with our collaboration on this project. The White Paper aims to provide the latest research on how incentives and their associated principles can work to nudge people towards adopting and sustaining healthier behaviours. It is our hope that it can be used as an information and discussion resource by governments, NGOs and policy designers for when and how health incentives can work most effectively. PETER CREWE, CEO, AIA Australia FOREWORD 3

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