@kimmonismus This is not subsidization. You pay insurance premium that is 1/100th of coverage not because Insurance company is subsidizing. They're betting on <1% of claims
AI firms apply same logic - assuming weighted cost between power user & infrequent user balances out to smaller number
Post the first lockdown, like everywhere, our team @zerodha as a whole was probably the unhealthiest ever, due to the lack of physical activity, work-life imbalance, bad diet, & more. We thought of a way to nudge the team to get healthy and the results are phenomenal. 1/3