UnitedHealthcare is encouraging its customers to maintain healthy lifestyles by letting them "walk off" the cost of an Apple Watch in a digital fitness program, marrying wellness with increasing the accessibility of luxury tech

Fitness trackers are already changing the way that insurers are working to incentivize healthier habits for their customers. UnitedHealthcare, the largest U.S. health-care company, is using its nation online Motion fitness program to get customers walking more, with a  perk—those who reach set goals will receive a $300 Apple Watch Series 3 for just the price of shipping and tax.

Customers who opt in to the program must complete a series of exercise goals under the smartwatch's observation. In six months, customers must complete 500 steps in seven minutes, spaced an hour apart, at least six times per day; complete 3,000 steps in 30 minutes at least once per day; and complete at least 10,000 steps per day.

If customers are able to keep up with these requirements, they will be able to keep the watch, but if they falter, they may be liable for paying for a portion of the watch. They will also be eligible for other saving on their healthcare accounts.

“Some [wearable devices] are expensive, quite frankly, and they provide meaningful benefit in terms of someone wanting to participate and engage in their health,” Paul Sterling, UnitedHealthcare's vice president of emerging products, tells CNBC. “We recognize that and so we're trying to reduce the cost burden.”

UnitedHealthcare

Lead image: Apple Watch workout stock photo from Kanut Srinin/Shutterstock

Fitness trackers are already changing the way that insurers are working to incentivize healthier habits for their customers. UnitedHealthcare, the largest U.S. health-care company, is using its nation online Motion fitness program to get customers walking more, with a  perk—those who reach set goals will receive a $300 Apple Watch Series 3 for just the price of shipping and tax.

Customers who opt in to the program must complete a series of exercise goals under the smartwatch's observation. In six months, customers must complete 500 steps in seven minutes, spaced an hour apart, at least six times per day; complete 3,000 steps in 30 minutes at least once per day; and complete at least 10,000 steps per day.