Cathay Life Unveils Policyholders' Healthy Life Expectancy at Future Health Day, Launches First-Ever Spillover Insurance with Point Rewards to Promote Cross-Industry Health Ecosystem

About 15% of Life Spent in Poor Health: Introducing the First Point-Reward Spillover Insurance to Support Daily Wellness

Cathay Life Insurance held the '2026 Cathay Life Future Health Day' today (24th), unveiling for the first time its third consecutive '2026 Cathay Life Policyholder Health Report.' Based on data from nearly eight million policyholders, the report analyzes health and financial risks across the life course, making Cathay Life the first insurer to understand its policyholders’ healthy life expectancy.

The report reveals that in 2025, Cathay Life policyholders had an average lifespan of 84.31 years and a healthy life expectancy of 71.49 years—meaning approximately 15% of life is spent in a state of health limitation. To extend healthy living time, Cathay Life advocates three daily actions: 'Save Health, Prepare Medically, Discuss Care.'

The event invited Chen Yen-liang, Vice Chairperson of the Financial Supervisory Commission; Chuang Jen-hsiang, Vice Minister of Health and Welfare; Lin Li-ju, Deputy Director-General of the Health Promotion Administration; and representatives from National Taiwan University Hospital, Cathay General Hospital, Google, Shenfang Information, and Sumitomo Life, among others, to jointly explore cross-sector initiatives to extend healthy life expectancy and promote wellness.

Cathay Life CEO Lin Chao-ting stated, 'Cathay Life responds to the government’s “Healthy Taiwan” policy. Through “Future Health Day,” we aim to collaborate with national institutions, enterprises, partners, and even fellow insurers to rethink how policyholders and citizens can pursue longer healthy life expectancy, enjoy better quality of life, and simultaneously reduce Taiwan’s overall healthcare burden.'

For example, Cathay Life’s FitBack health promotion platform recently integrated with the Ministry of Health and Welfare’s Health Coins and the Sports Administration’s Sports Coins, amplifying its impact in helping people build better exercise and dietary habits, practice prevention—including vaccinations and screenings—and maintain psychological balance. Cathay Life is also starting internally: besides shortening meeting times to reduce sedentary behavior, internal employee step counts average only 4,600 steps according to FitBack Health Bar statistics—lower than the policyholder average of 5,400 steps. The company will introduce stronger incentives to encourage employees to move more and support policyholders in health management.

Cathay Life’s Health Intelligence team further discovered from the '2026 Cathay Life Policyholder Health Report' that cancer affects the 'length of life,' with lung, liver, and breast cancers being the top three causes, each reducing potential lifespan by over 10 years on average in fatal cases. Additionally, various diseases erode healthy living time, with musculoskeletal pain and dementia being the top two disability burdens. Musculoskeletal conditions—including osteoarthritis, lower back pain, and neck pain—result in an average loss of nearly one month of healthy living time per affected policyholder annually, highlighting that longevity risk isn’t just about 'how long you live,' but 'how healthily you live.'

This loss of healthy time is further reflected in projected medical and long-term care expenditures. By integrating policyholders’ medical claim receipts and external care data, Cathay Life analyzed the financial impact behind health risks: from age 0, men’s projected out-of-pocket medical and elderly care costs amount to approximately NT$4.14 million, women NT$5.58 million—with elderly care costs accounting for over half. This underscores the financial challenge of longevity, where elderly care may become a critical expense in later life.

To address this, Cathay Life proposes three actions to 'enhance healthy life expectancy.' First, 'Save Health': annually review health check results around your birthday, track follow-ups, and cultivate one sustainable health habit. Second, 'Prepare Medically': regularly assess protection gaps and set aside immediately accessible medical reserves. Third, 'Discuss Care': before age 60, discuss with family 'who will care, where, and how costs will be covered.' These actions allow health, medical, and care preparations to accumulate throughout life, preserving more space for healthy, autonomous choices in a long-lived future.

Drawing on international health promotion experiences, the '2026 Cathay Life Future Health Day' invited Sumitomo Life to share how they built a digital platform combining health promotion with insurance rewards. From the Taiwan market perspective, Cathay Life shared how it extends the insurance role from 'post-event claims' forward to 'health promotion' and backward to 'post-claim care,' using a comprehensive spillover mechanism, the 'FitBack Health Bar' platform, diverse cross-domain health services, and over 3,000 certified 'Health Ambassadors' to accompany policyholders in health management and enhance healthy life expectancy.

Integrating health promotion into insurance coverage is a key part of Cathay Life’s health ecosystem. The company launched the industry’s first spillover policy with 'Little Tree Points' as rewards. For example, the 'Dian Shi Cheng Jin Hospitalization Medical Lifetime Insurance (Spillover Type)' upgrades past premium discounts to more flexible 'Little Tree Points (Lifestyle)' usable in daily life. Policyholders of 'Dian Shi Cheng Jin' earn task values by participating in 'FitBack Health Bar' health missions. Upon reaching designated membership levels, they receive point rewards on policy anniversaries. For instance, achieving the 'Enjoyer' level grants 3% of renewal premiums in points—900 points for a $30,000 annual premium—making health actions tangibly rewarding and creating a virtuous cycle of 'health action → point rewards → health consumption.' This connects diverse health products, services, and cross-industry partners, continuously expanding the health ecosystem.

Upholding its 'BETTER TOGETHER Co-create Better' brand spirit and deepening its promise to 'empower health for you,' Cathay Life has invested over NT$100 million since 2024 in health promotion. Each year, it highlights critical health issues and trends, reminding citizens to pay attention to health risks and encouraging concrete actions to review lifestyles and set personalized health goals, co-creating a healthier future.