a column by Lauri Saraste
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Lauri SARASTE is Chairperson of the Insurance Committee | ||
The use of health data in actuarial pricing is increasingly situated at the intersection of technical necessity and societal expectations. Insurers must rely on accurate data to assess and price risks appropriately, while regulators and consumer organisations remain alert to issues of fairness, potential discrimination and unequal access to insurance. As health information becomes more digitalised and regulatory frameworks evolve, the challenge of preventing both intentional and unintentional discrimination grows in complexity.
This article was published in The European Actuary No. 45 – March 2026
