Study on the Design of Health Financial Products Based on Exercise Prescription

The integration of exercise prescription (EP) into health financial products represents an innovative approach to enhancing public health and managing healthcare costs. This study explores the design and implementation of EP-based health financial products, emphasizing the potential health, economic, and social benefits. Through a comprehensive literature review and analysis of case studies and pilot programs, the research highlights the significant improvements in health outcomes, including reduced prevalence of chronic diseases and lower healthcare utilization. The study also identifies key challenges, such as cultural preferences for medication over lifestyle changes, organizational barriers for healthcare providers, and economic and principle constraints. It proposes solutions, including educational campaigns, streamlined workflows, and supportive regulatory principles, to overcome these obstacles. The theoretical framework incorporates economic theories, operations research, and behavioral economics to support the integration of EP into health financial products. The research methodology combines quantitative and qualitative approaches, utilizing surveys, interviews, and data analysis to develop and validate a conceptual model. This model includes personalized EP formulation, continuous monitoring through technology, and financial incentives for adherence. The findings suggest that EP-based health financial products can lead to significant cost savings for insurers and policyholders, improved health literacy, and broader societal benefits. Future directions for research include investigating long-term impacts, fostering cross-disciplinary and international collaborations, and leveraging technological advancements such as artificial intelligence and 5G integration to enhance the precision and effectiveness of EP programs. Rule makers are urged to create a supportive regulatory environment that facilitates the integration of EP into standard healthcare and insurance practices. The study concludes that while the implementation of EP-based health financial products requires sustained effort, the potential benefits for individual health, economic sustainability, and societal well-being make it a transformative and worthwhile endeavor.