Internet of things (IoT) devices lead to innovation trends in financial services. Real-world IoT applications certainly further the surge in new financial product design. In the insurance industry, companies can utilise data collected from all types of IoT-connected devices to more effectively determine premiums and provide better insurance products, known as IoT insurance. However, this has a downside: insurance companies might underestimate the possible cyber risks involved in these IoT insurance products. This study examines the potential cyber risks arising from the application of IoT devices-linked insurance. We consider the cyber risks in insurance product valuation and estimate the possible increase in cyber risk cost as more data are sourced from IoT devices. Our results contribute to IoT devices-linked health insurance development and improvement in related cyber risk management.

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物联网设备相关健康保险中的网络风险成本和管理

物联网（IoT）设备导致金融服务的创新趋势。现实中的物联网应用肯定会促进新金融产品设计的激增。在保险行业，公司可以利用从所有类型的IoT连接设备收集的数据来更有效地确定保费并提供更好的保险产品，称为IoT保险。但是，这样做有一个缺点：保险公司可能会低估这些IoT保险产品可能涉及的网络风险。这项研究研究了由物联网设备相关保险的应用引起的潜在网络风险。我们在保险产品评估中考虑了网络风险，并估计随着来自物联网设备的更多数据，网络风险成本可能增加。