Comment by Topfi

> So the insurance would then, instead of contracting the current service-provider for the 3rd party app, contract also with Apple and, let's say Samsung?

The industry has some extensive experience in independently verifying signatures, I don't see how the manufacturers factor in here. And for app features, just ask banks how integrating biometrics, payment services, etc. goes. Tends to be preferred, once Apple and Google Pay became fully available here in Austria, banks dropped their own NFC payment solutions in rapid succession.