Chubb LifeBalance is your personal 360° health, wellbeing and lifestyle virtual coach. It helps you manage your lifestyle, achieve mental and physical balance, as well as track personal health goals.
No, anyone can download and access the Chubb LifeBalance app for free. It is a fun and easy way to track your overall wellbeing.
The Chubb LifeBalance mobile app is available for iPhone and Android smartphones in 4 languages (English, Traditional Chinese, Simplified Chinese and Thai) from the respective app stores.
We support iPhone 4S / 5 or higher with iOS 9.0 or higher, and Android 4.4 or higher.
Users of other smartphones (e.g. Windows Phone, BlackBerry) can also use Chubb LifeBalance via the website (www.chubblifebalance.com).
The registration process is similar on the mobile app (iPhone or Android) and the website. On the mobile app, users will be guided directly to the sign-up process; and at www.chubblifebalance.com, users will click on the button “Register” to initiate the process.
During the registration process, you must provide us with your mobile number and verify it with a 6-digit PIN. If you have a coupon code, you’ll have the option to fill in it in at the last step.
To provide better guidance to newly registered users, Chubb LifeBalance uses a five-step getting started program. This way, Chubb LifeBalance provides guidance to you on what you should do first. This getting started program will be delivered by the coach on Chubb LifeBalance:
One of the most common user support requests is to reset password. This process allows you to do it yourself by following a secure and straightforward process.
If you forget your password, click on the “Forgot Your Password?” link on the login page, either on the mobile app or on the website, and follow the steps below:
You will have to return to the login page and log in with the email address and the new password to access the Chubb LifeBalance platform again.
You control your data, so of course you can delete your account by following these steps:
You will need to enter your password to confirm the deletion of your account. Once confirmed, your account will be deactivated immediately and your data will no longer be visible. Chubb LifeBalance will keep your data for 30 days in case you change your mind and would like to reactivate your account. After 30 days, your data will be permanently deleted.
With the explosion of health and fitness-related wearable devices and applications on the market, it has never been easier for people to get access to a variety of health- and fitness-related data. This is also a problem, as no one can handle such a multitude of data and make sense out of it without any support.
The health score on Chubb LifeBalance simplifies the health status of an individual into just one number, so that it can be universally understood. The health score is based on who you are (body), how you feel (mind), and how you live (lifestyle). It is a scientifically calculated number that is normalised from 1 (low) to 1,000 (high), where older people could compare themselves to younger people, men could also compare themselves to women.
It moves up or down in real-time, depending on how your body, emotional wellbeing or lifestyle data changes.
The health score is based on over 200 million person-years of clinical data. It has been developed with a third-party vendor, which collaborated with a professor and former long-term scientist at Massachusetts Institute of Technology (MIT) in Boston.
When you register on Chubb LifeBalance, you only enter four data points (age, gender, height and weight) and obtain your first personal health score. All other data points for the calculation of the health score have been automatically imputed with estimated average values for the time being. The more data you provide over time, the more accurate and more personal your health score will become.
It is well known that a healthy lifestyle can reduce your risk of illnesses later. Wellness is a complex concept but it can broadly be broken down into the following components: exercise, nutrition, emotional wellbeing, lifestyle choices, stress, and sleep patterns. Adjustments to these factors influence the other factors, and in turn, your overall level of wellness. Positive changes in your lifestyle can have wide-ranging health benefits but ultimately, change can only be implemented by you.
Empowering you to manage your own health and wellbeing has obvious benefits. Chubb LifeBalance works as your health coach in your pocket, motivates you to keep going, rewards you for success and helps you to achieve your goals.
The health score on Chubb LifeBalance measures the overall health and wellbeing of a person, based on body values, emotional wellbeing and lifestyle (exercise, nutrition, stress, and sleep). When tracked over time, it offers a good indicator of how a person’s health and wellbeing is evolving, and how the choices you make regarding nutrition, activity and sleep are impacting your health.
No, the health score on Chubb LifeBalance is not a diagnostic tool and does not substitute the diagnosis of your medical professional.
The health score on Chubb LifeBalance is an indicator of your current health and wellbeing and it allows you to manage your personal health and wellbeing in an easy and fun way. To be active and help you remain engaged, Chubb LifeBalance allows you to connect with other members of Chubb LifeBalance.
The health benefits of physical activity are determined by sustained activity over time, not by a single workout. Chubb LifeBalance looks back at your activities over the past 60 days. So, if a workout you do today consumes less energy than your current average, your score will drop.
On Chubb LifeBalance you can track over 115 different indoor and outdoor fitness activities directly via the integrated tracker in the Chubb LifeBalance mobile app (iPhone, Android) by clicking on the Track menu item.
In the Track menu, you select your activity by clicking on the Change Activity button or by clicking directly on the fitness activity icon on the screen. You will see the list of available activities that can be tracked on Chubb LifeBalance. Some of these activities show a compass icon to signal that they are GPS-based activities. Select the activity and then click on Start to begin tracking your activity live.
If you have already completed a workout and would like to add it manually, click on Add Activity Manually and enter the data there.
Via web access (www.chubblifebalance.com) you can only add activity manually following the same process after login: Track -> Add Activity Manually.
In addition to tracking directly with the Chubb LifeBalance mobile app (iPhone, Android), Chubb LifeBalance supports many of the popular fitness tracking devices and apps available from third parties. Check out the FAQ question "How can I connect third party devices and apps to Chubb LifeBalance?" on this page.
Chubb LifeBalance’s integrated tracking functionality can now detect if you go over the activity speed limit or when you are inactive for a longer period of time. This is how they work.
Speed limit detection: The speed limit detection is activated if you accidentally continue to track with the integrated tracker on the mobile apps, after completing a GPS-tracked workout. This may happen, for instance, if you step into a car and drive off.
Inactivity detection: The inactivity detection detects if you accidentally leave the integrated tracking function of your phone on for 30 minutes after finishing a GPS-tracked workout and then, for example, go for lunch and leave the device on a table.
Chubb LifeBalance detects double counting of workouts and activities, and remove duplicate workouts and steps. Why is this important? With the ability to connect various tracking devices and apps, users often forget that they track activities on different trackers in parallel. For instance, if they carry an external step counter which is connected to Chubb LifeBalance, and if they track in parallel running on Chubb LifeBalance. This would be double counting of a running activity. This needs to be detected and the duplicate needs to be removed.
Chubb LifeBalance computes a daily summary of activities. The summary collects the user’s workouts and activity data for a specific day. By collecting all workouts and activities of one day, Chubb LifeBalance can verify if certain workouts and activities overlap in time. If two workouts overlap, only the workout with the higher burned normalized energy (measured in MET h) will be displayed on Chubb LifeBalance.
Some external devices/apps do transfer step data multiple times a day including time information via their connection. This helps Chubb LifeBalance to do an exact overlap calculation and therefore be very precise in the removal of duplicate workouts and activities.
Other external devices/apps however, still provide us with only one daily transfer of step data via their connection and without any time information. In these cases, the overlap calculation is less precise. A daily step count might overlap with an intense workout tracked on Chubb LifeBalance, so the latter will be preferred to steps because of the higher energy burned.
These are the reasons why sometimes, only a partial transfer of steps from the external device/app is transferred to Chubb LifeBalance.
iPhone: If you own an iPhone 5S or newer, you can track steps directly via the Apple Health App (Healthkit), as the iPhone has a built-in step counter chip (M7/M8 chip).
After linking Chubb LifeBalance to your Apple Health app (see step-by-step guide here), open the Apple Health app on your iPhone and follow the steps below:
1. Tap on Sources
2. Tap on Chubb LifeBalance
3. Go to the section “ALLOW CHUBB LIFEBALANCE TO READ DATA” and activate Steps.
Note: There is no in-built step-tracking functionality in the Chubb LifeBalance iOS app.
Android: If you own a compatible Android device, you can activate automatic step tracking by following the steps below.
1. Open the side menu
2. Tap on settings
3. Tap on the APP
4. Activate “Automatic step counter”
The manual entry of fitness activities and sleep data can be done on both the mobile apps and the website.
Follow the steps below to manually add a fitness activity:
Follow the steps below to manually add body values:
Follow the steps below to manually add sleep data:
On Chubb LifeBalance you can track over 115 different fitness activities directly with the Chubb LifeBalance mobile app (iPhone, Android).
Chubb LifeBalance also supports many of the popular fitness tracking devices and apps from third parties. You can find the list of connectable devices here:
Below you will find step-by-step guides on how to connect some of these devices and apps to Chubb LifeBalance:
Connect Apple Health:
Connect Google Fit:
Connect Fitbit or Garmin or Jawbone:
Finally, you can connect Bluetooth Low Energy (BLE) enabled heart rate bands to Chubb LifeBalance app by following these steps: Track -> Tracking Devices/Apps -> Add BLE Device.
Different vendors have different approaches on how they send your data to Chubb LifeBalance, and many of the vendors do not send historical data.
For the large majority of third party devices/apps, Chubb LifeBalance therefore imports your data from the moment you have connected your device or app to Chubb LifeBalance. For some devices who do allow the integration of historic data, Chubb LifeBalance will integrate it. This is the case with TomTom (integrates 30 days’ history) and Garmin devices (integrates up to 100 items).
Chubb LifeBalance connects to many popular fitness tracking devices and apps from third parties.
It is important to note that Chubb LifeBalance only integrates raw data such as steps, heart rate, etc. from third party devices and apps. The calculation of energy models and calories burnt is done by Chubb LifeBalance. As vendors of tracking devices and apps use different energy models, this leads to there being differences between their data and the data seen on Chubb LifeBalance.
There is no global standard regarding how energy conversion is calculated from the number of steps. There are numerous models which differ, among other things, with respect to the input data used and also the quality of the results. Simple models consider only the number of steps, while more complex models also take into account inputs such as speed and route.
For Chubb LifeBalance, it is important to perform the energy calculation directly on our platform. We do this to maintain the integrity of the health score and the challenges we run on our platform. It would be unfavourable to use Tracker X instead of Tracker Y because Tracker X’s energy model is “more generous” in energy calculation.
As part of our activity, we therefore regularly work on energy models and choose the best possible one.
You can delete your tracked workout directly on the Chubb LifeBalance mobile app (iPhone, Android) or via the website (www.chubblifebalance.com):
When a tracked workout has been imported from a third party device or app and deleted within Chubb LifeBalance, it might be the case that upon the next data synchronization the workout data will return within Chubb LifeBalance. We advise to delete the workout directly from the third party device or application to ensure the workout is not re-synchronized with Chubb LifeBalance.
We have a variety of goals in Chubb LifeBalance, including activity goals, nutrition goals and general goals. Activity and nutrition goals can motivate you to create new routines in order to improve your health and wellbeing. Successfully completed goals are rewarded with Chubb LifeBalance points.
You can add and join goals on the mobile app or on the website (www.chubblifebalance.com) by following the steps below:
Once you have joined a goal, it will be displayed in the goals overview page under “My goals”.
Please note than a maximum of three nutrition goals can be added at one time. Before starting a new goal, the user should complete (or remove) another active goal.
On Chubb LifeBalance users can set up and join different types of challenges.
You can join a challenge on Chubb LifeBalance on both the mobile app and the website by following the steps below:
Challenges can be created directly via the Chubb LifeBalance mobile app (iPhone or Android) or via the website (www.chubblifebalance.com):
To help prevent inappropriate language from appearing in the discussion section, there is an automatic profanity filter in place, which monitors language and replaces inappropriate words with symbols (hearts). All languages which Chubb LifeBalance supports are included in the profanity filter.
When taking part in a photo challenge, you can upload a picture to receive likes on your picture from other participants, as well as give likes to others. The picture with the most likes wins the photo challenge.
The uploaded pictures are automatically checked by Chubb LifeBalance to ensure they do not violate the terms and conditions for use of the mobile app. Pictures can also be moderated from our Admin Console support tool.
Be aware that you can upload only one picture, which you cannot change afterwards.
Friends who already signed up on Chubb LifeBalance can be found in the user directory both on the website and on the mobile app, as all users who signed up on Chubb LifeBalance are displayed with their name and profile picture.
Follow the steps below to find a friend on Chubb LifeBalance and send him/her a friend request:
Friends who have not yet signed up on Chubb LifeBalance can be invited by email via the website or in the mobile app.
Follow the steps below to invite your friends by email:
If you have friends on Chubb LifeBalance, then the “Live Map” functionality will be of interest to you:
Achievements are another key gamification and engagement feature on Chubb LifeBalance. There are general goals with currently 216 achievements in various categories that you can earn. Achievements are automatically activated for you and they start at a low level. Once you have reached e.g. “Cycling: 100 km”, the achievement in the same sequence, e.g. “Cycling: 500 km”, gets automatically activated.
In the mobile app and on the website, achievements can be accessed by clicking on “Achievements”. There are general achievements and activity-based achievements available on Chubb LifeBalance. Each achievement category is organised by “Next achievements” and “Earned achievements”.
To check the current status and progress towards attaining an achievement, you can click on the specific achievement so that the results unfold. It works in the same way on the mobile app and on the website.
Attained achievements are communicated via the news feed on Chubb LifeBalance and within the coach section.
You can earn points for completing various activities in Chubb LifeBalance, such as tracking exercise, responding to questions, participating in challenges and completing goals. You can then unlock various rewards with the points you’ve earned.
The “Points” page provides an overview of the current points earned and the history of all individual points earned over time. Activities can be further seen in more detail by clicking on them.
The Chubb LifeBalance points are for motivational and reward purposes only and they are not to be confused with the health score on Chubb LifeBalance, which is the real-time indicator of your health and wellbeing.
MET (Metabolic Equivalent of Task) is a measure to estimate the energy cost of physical activity, independent of weight, where 1 MET = 1 kcal/kg/h. It is also known as “normalized energy”. This measure was introduced by Stanford University in California and has been used globally for more than 30 years.
The MET values used on Chubb LifeBalance are based on the Compendium of Physical Activity that has been put together by Stanford University:
The nutrition model assesses the adoption by the user of what is regarded as a healthy diet. Currently, the best evidence for this comes from studies on the so-called Mediterranean Diet (MD).
However, Chubb LifeBalance complements questions assessing the adherence to the MD with questions from other validated questionnaires (e.g. the “Mindful Eating” questionnaire). This allows expanding the applicability of the nutrition questionnaire to a larger (also non-Mediterranean) population and allows for the widening of the dietary and behavioral dimensions to additional foods and eating habits.
“Mindful Eating” describes a non-judgmental awareness of physical and emotional sensations associated with eating. While questions about the MD give information on what the user eats, the validated “Mindful Eating” questionnaire provides insights as to how, when and why the user eats or drinks. With this complement, Chubb LifeBalance not only monitors adherence to a balanced diet but also determines whether a healthy eating behavior is adopted. The baseline questionnaire uses selected proxy questions from the original “Mindful Eating” questionnaire allowing a first rough assessment of the user’s mindfulness regarding food and beverage intake.
The only data that can be shared is the following:
Sensitive biometric data such as weight, age or blood pressure, etc. is not accessible to other users.
The following types of sharing options are available:
Privacy settings can be changed on the Chubb LifeBalance mobile app (iPhone or Android) or on the website (www.chubblifebalance.com):
To contact Chubb LifeBalance, you can send us an email: email@example.com. Alternatively, you can do so via the app by going to > About Chubb LifeBalance & support > Support, which opens your device email client and automatically includes information about your profile, device etc. to ensure a quick response.
You can also give the Chubb LifeBalance app a rating directly via the Chubb LifeBalance mobile app on the respective app stores (iPhone or Android): Setting > Rate the App.