Once upon a time there weren't really regular doctors or good medical records. Most people didn't see a doctor frequently - that was something only rich people could afford. To buy insurance back then requiring access to medical records wasn't insisted upon - a medical check-up was. But today medical records, plus tests, are routinely required. Data from wearables is still seen as largely a gimmick - unreliable, used only by a few, and only marginally useful. But perhaps there will come a time when wearable data streams and other healthtech data (implants that do monitoring, for example) is seen as mandatory, and the alternative will be non-underwritten cover.