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Yes, this is a great way to stimulate a net positive outcome for everyone! A win for users because they walk more and live longer and healthier lives. A win for health insurances, because they reduce cases and other claims, with reduced health risks of their clients.
Health insurances in most countries operate on a legacy software stack and slow decision making. At the same time I believe that mid term, insurances will transform. The best incentive for a healthy lifestyle is Bitcoin (much better than any points program, or reduced insurance rates).
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Have you spoken with any health insurance companies about paying your users more for walking?
Something like an opt-in program where users can earn $5-$10 in sats every month for staying active (and thus being a lower risk for health insurers)?