????知名企業家麥克斯?列夫琴最近的一次創業竟然是為了幫助女性懷孕。他創立的Glow First是一家非盈利性機構，通過移動應用提供服務。它的Glow應用能收集關于女性生育健康的大量信息，Glow First基金則是要幫助那些不孕癥患者。

????列夫琴在最近一次訪問《財富》（Fortune）紐約辦公室的時候表示，Glow是一種“自愿互動式健康金融產品”。這可真是一個新穎的概念。

????麥克斯?列夫琴也是知名網絡服務貝寶（Paypal）和Slide的創始人。最近，他與前谷歌（Google）高管麥克?黃合作開發了一款“催孕”應用。他們認為這款應用的能力超過了消費者現在能接觸到的其它應用。他們希望通過收集大量關于女性月經周期、性行為、飲食、情緒等方面的數據，來告訴女性什么時候懷孕合適，而且能夠警告這些女性是否存在子宮內膜異位等早期問題。隨著時間的推移，還可以通過收集大量以前無法收集的數據，來掌握一名女性的基本健康狀況。

????這個理念吸引了不少投資者的關注：8月8日，Glow宣布該機構已經獲得了創始人基金（Founders' Fund）和安德里森?霍洛維茨基金（Andreessen Horowitz）投資的600萬美元。

????根據美國疾病控制與預防中心（Centers for Disease Control and Prevention）的數據，在15到44周歲的婦女中，遭遇生育問題的人達到了11%。但是美國醫療保險對不孕癥的報銷比例卻參差不齊。要想快速解決不孕不育的煩惱，成本也很高，做一輪試管授精的費用大概是12,000到15,000美元。有鑒于此，列夫琴和麥克?黃把這款產品定位成了一個能簡單有效抵消這些成本的保險產品。

????它的原理是這樣的：只要是近期想要懷孕的女性就可以注冊這個項目。申請接受后，只要每月繳納50美元的費用，連續繳納5個月，系統就會追蹤記錄你每天與健康有關的數據。這些資金會存入一個資金池。列夫琴和麥克?黃認為，大多數夫婦會在10個月的窗口期內正常受孕，而他們繳納的費用將成為已扣稅的慈善捐款，如果在10個月后仍有女性無法正常受孕，資金池就會出資對這些女性進行醫學干預。（這樣你就不用帶著現金去看病了，只要你出示Glow First的內部審查結果，Glow First就會替你向醫院付錢。）

????當然，對這家公司來說，這是吸引用戶的好辦法。女性輸入的關于生育周期的數據越多，公司團隊就能通過機器學習程序，對女性生育生產獲得深刻的理解，更好地指導準爸爸準媽媽們懷孕。（有時Glow也會問一些隱私的問題，比如夫妻在嘗試受孕時的性愛體位等。）????

????The most interesting thing about Max Levchin's new venture to help women get pregnant is Glow First. It's a nonprofit fund offered as a premium service for the mobile app. If Glow is the mobile application that collects copious amounts of information about a prospective mother's reproductive health to help her get pregnant naturally, Glow First promises to help women pay for the science when nature doesn't work on its own.

????Or, as Levchin said during a recent visit to Fortune's New York offices, it's an "opt-in mutual health financial product." Yeah. That. It's a truly novel idea.

????Levchin, who founded both PayPal (EBAY) and Slide, has teamed with former Google (GOOG) executive Mike Huang to launch Glow, a fertility app that, they believe, goes a step beyond apps available to consumers today. They hope to be able to amass enough data about women's menstrual cycles, sexual behavior, mood, and diet that they can help any woman know exactly when to conceive, warn her about early problems like potential endometriosis, and over time, promote better health care for women in general by collecting large amounts of information that hasn't been collected before.

????That's the idea that has drawn attention and investors: On August 8, Glow announced $6 million in funding from Founders' Fund and Andreessen Horowitz.

????But roughly 11% of women aged 15-44 have trouble getting pregnant, according to the CDC (Centers for Disease Control and Prevention). And insurance coverage for infertility treatments is spotty at best in the U.S. It can get expensive fast: One round of in vitro fertilization can cost $12,000-$15,000. So Levchin and Huang have set up Glow First as a very simple insurance product to help offset that cost.

????Here's how it works: Women planning to conceive can apply to sign up for the program. Once accepted they agree to pay $50 per month for 10 months -- and to keep an above-average amount of engagement on the Glow app, which invites users to track health-related signals every day. These payments will enter a pool along with payments from other women who signed up at the same time. Levchin and Huang are betting that most couples will conceive naturally within the 10-month time frame, and their economic contributions will count as tax-deductible donations to the pool. After 10 months, the pool will be split among any women who aren't yet pregnant to be used toward medical intervention. (You don't just walk with the cash; Glow First will pay your infertility clinic once you submit proof of initial screening.)

????Of course, it'll be a great recruitment tool for the company; the more data women enter about their reproductive cycles -- and Glow gets personal: It asks about the sexual positions couples use while attempting to conceive, for example -- the better Glow will work as Levchin, Huang, and the team apply machine-learning to the information to develop a deeper understanding of how to advise future users on how and when to conceive.