PARTNER DOCUMENTATIONv1.0

Wearable Data – JSON Mapping Overview

Reference page to review available data fields and assess fit for carrier underwriting models.

📋Sample JSON Payload
{
  "user": {
    "userId": "user_12345",
    "fullName": "Jane Doe",
    "email": "jane.doe@gmail.com",
    "dob": "1985-01-02",
    "gender": "female",
    "zipCode": "94107",
    "age": 40,
    "height": "5'10\"",
    "weight": 138,
    "bmi": 19.8,
    "consent": {
      "dataUse": true,
      "timestamp": "2025-08-18T09:32:00Z"
    }
  },
  "device": {
    "hasAppleWatch": true,
    "hasFitbit": false,
    "hasGarmin": false
  },
  "fitnessMetrics": {
    "restingHeartRateBPM": 59,
    "sleepHeartRateBPM": 64,
    "steps": 6341,
    "exerciseTimeMinutes": 4,
    "workoutHeartRate": {
      "type": "Walking",
      "averageBPM": 96,
      "peakBPM": 112,
      "recovery1MinBPM": 15,
      "recovery2MinBPM": 11,
      "duration": "27m17s",
      "timestamp": "2025-08-18T18:15:00Z"
    },
    "dailyMetrics": [
      {
        "date": "2025-08-20",
        "restingBPM": 59,
        "peakBPM": 122,
        "lowBPM": 56,
        "steps": 486,
        "sleepHours": 7
      },
      {
        "date": "2025-08-19",
        "restingBPM": 59,
        "peakBPM": 113,
        "lowBPM": 57,
        "steps": 6341,
        "sleepHours": 6
      },
      {
        "date": "2025-08-18",
        "restingBPM": 69,
        "peakBPM": 157,
        "lowBPM": 66,
        "steps": 9925,
        "sleepHours": 7,
        "workout": {
          "type": "Walking",
          "duration": "27m17s",
          "averageBPM": 96,
          "peakBPM": 112,
          "recovery1MinBPM": 15,
          "recovery2MinBPM": 11,
          "startTime": "2025-08-18T18:15:00Z"
        }
      }
    ]
  },
  "biometrics": {
    "heartRate": [
      {
        "timestamp": "2025-08-17T08:15:00Z",
        "bpm": 72
      },
      {
        "timestamp": "2025-08-17T08:20:00Z",
        "bpm": 75
      }
    ],
    "activitySamples": [
      {
        "start": "2025-08-17T07:45:00Z",
        "end": "2025-08-17T08:15:00Z",
        "source": "phone",
        "intensity": 6
      }
    ],
    "sleepSegments": [
      {
        "start": "2025-08-16T23:00:00Z",
        "end": "2025-08-17T07:00:00Z",
        "category": "sleep"
      }
    ],
    "exerciseSegments": [
      {
        "start": "2025-08-17T18:00:00Z",
        "end": "2025-08-17T18:45:00Z",
        "category": "exercise",
        "tags": [
          "workout",
          "cardio"
        ]
      }
    ]
  },
  "medications": [
    {
      "name": "Acetaminophen (Tylenol)",
      "dosage": "400 mg",
      "frequency": "Twice per day (bid)"
    },
    {
      "name": "Magnesium Sulfate (Epsom Salt)",
      "dosage": "250 mg",
      "frequency": "Once per day"
    }
  ],
  "healthScores": {
    "overallScore": 2.1,
    "riskScores": {
      "sleepApnea": "7%",
      "diabetes": "4%",
      "hypertension": "17%"
    }
  }
}
🔍Breakdown of All Fields
For Underwriting Use

👤 User Data

  • •"userId": Unique identifier for the user — user_12345.
  • •"fullName": Complete user name for identification and records.
  • •"email": User's email address for identification and contact.
  • •"dob": Date of birth in YYYY-MM-DD format — critical for age-based risk assessment.
  • •"age": Current age — 40 years old for direct risk calculations.
  • •"height": Physical height measurement — 5'10" for BMI calculations.
  • •"weight": Current weight — 138 lbs for health assessments.
  • •"bmi": Body Mass Index — 19.8 indicates healthy weight range.
  • •"gender": Biological sex — impacts cardiovascular risk models.
  • •"zipCode": Geographic location for environmental and lifestyle factors.
  • •"consent": Data usage permissions with timestamp — ensures compliance.

📱 Device Information

  • •"hasAppleWatch": Apple Watch ownership — true indicates premium wearable data quality.
  • •"hasFitbit": Fitbit device availability for cross-platform data validation.
  • •"hasGarmin": Garmin device access for comprehensive fitness tracking.

❤️ Heart Rate Data

  • •"timestamp": Exact time of heart rate measurement in UTC.
  • •"bpm": Beats per minute — 72-75 BPM indicates normal resting heart rate.

🏃 Activity Samples

  • •"start": When the activity session began — here, 7:45 AM UTC.
  • •"end": When the session ended — 8:15 AM UTC.
  • •"source": Recording device — phone vs wearable affects accuracy.
  • •
    "intensity": Activity vigor score.
    • ◦Value 6 = moderate activity (brisk walking, light exercise)
    • ◦Values 8+ = high-intensity (running, interval training)

🏃 Fitness Metrics

  • •"restingHeartRateBPM": Baseline heart rate — 59 BPM indicates excellent cardiovascular fitness.
  • •"sleepHeartRateBPM": Heart rate during sleep — 64 BPM shows good recovery patterns.
  • •"steps": Daily step count — 6,341 steps indicates moderate activity level.
  • •"exerciseTimeMinutes": Structured exercise duration — 4 minutes of focused activity.
  • •
    "workoutHeartRate": Detailed workout cardiovascular data.
    • ◦averageBPM: 96 — sustained effort level
    • ◦peakBPM: 112 — maximum exertion reached
    • ◦recovery1MinBPM: 15 — excellent 1-minute recovery
  • •"dailyMetrics": Multi-day health trends — 3-day pattern analysis for consistency evaluation.

😴 Sleep Segments

  • •"start": Sleep session start time — 11:00 PM UTC.
  • •"end": Wake time — 7:00 AM UTC (8 hours total).
  • •"category": Sleep type classification — quality and duration indicators.

💪 Exercise Segments

  • •"start": Workout start time — 6:00 PM UTC.
  • •"end": Workout end time — 45-minute session.
  • •"category": Exercise type — structured vs casual activity.
  • •"tags": Activity descriptors — ["workout", "cardio"] for detailed classification.

💊 Medications

  • •"name": Medication identification — Acetaminophen and Magnesium Sulfate.
  • •"dosage": Prescribed amounts — 400mg and 250mg respectively.
  • •"frequency": Usage patterns — indicates treatment compliance and health management.

📊 Health Scores

  • •"overallScore": Composite health rating — 2.1 indicates low-risk profile.
  • •
    "riskScores": Condition-specific risk assessments.
    • ◦sleepApnea: 7% — low risk
    • ◦diabetes: 4% — very low risk
    • ◦hypertension: 17% — moderate risk

💖Why This Matters

This comprehensive health data enables:

  • •Lifestyle activity assessment and exercise consistency evaluation
  • •Baseline cardiovascular health determination from resting heart rate patterns
  • •Sleep quality pattern analysis for overall health indicators
  • •Age and gender-specific risk modeling using demographic data
  • •Dynamic underwriting and personalized risk scoring applications
  • •Comprehensive fitness assessment with resting heart rate, recovery patterns, and daily activity trends
  • •Multi-device data validation across Apple Watch, Fitbit, and Garmin ecosystems
  • •Medication and health condition tracking for complete risk profiling
  • •Algorithmic risk scoring for sleep apnea, diabetes, and hypertension
  • •Longitudinal health pattern analysis through multi-day metrics and workout recovery data