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  5. Health and Insurance: Health Informatics, Internet of Things, and Integrated Electronic Health Records

Health and Insurance: Health Informatics, Internet of Things, and Integrated Electronic Health Records

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2 October 2020
Max Ang

Abstract

Healthcare is more important than ever, and digital health solutions are enabling personalized health assessment and overall care. Digital health solutions have broadened the outreach and network of healthcare professionals, offering
teleconsultations and telerehabilitations to remote customers and patients.
The advocacy for the usage of such services can increase. Therefore, insurers are partnering with health startups and providing the solutions through the insurer portal or app. This provides an integrated ecosystem of insurance, banking, health, and —with technology providers — forming a partnership model to bring related solutions to consumers.

Adoption is not without its challenges. Despite the availability of technological solutions for healthcare, the usage of telemedicine, virtual health consultations, smart health apps, smart medications, and artificial intelligence (AI)-based diagnoses are still facing headwind. This issue also relates to employees’ expectations of employers to invest in health and well-being programs at the workplace, which will be a growing priority in the future, changing how employers can attract, retain, and motivate employees going forward. The value of electronic health records (EHR) and AI-based innovations will require more education to targeted users.

And, as data is the foundation for the proliferation of digital health solutions, personal data privacy concerns and data access for healthcare providers will need to be addressed for digital health provision, insurance underwriting, and claims solutions success. Data can be collected and used in various solutions, and this report attempts to cover trends that may see greater usage for healthcare and insurance. This includes health informatics, the quantified self (QS), and data storage in integrated electronic health records with insurance.

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