Traditionally, insurance companies are at the end of the medical chain, and they will pay claims to insurance companies after the end of treatment. In the eyes of insurance companies, this situation is more passive. In order to turn passive into active, from the end to the front end, insurance companies have launched a series of disease interventions.
In the cardiovascular field, due to health management and chronic disease control, the risk of cardiovascular disease in policyholders can be reduced to a certain extent, and insurance companies can save compensation costs. Therefore, insurance companies have done more innovative work in the field of disease intervention, including information technology. , digital tools and other means. The main idea of ​​these interventions is to help policyholders reduce the probability of illness or deterioration, and thus reduce the cost of claims for treatment.
So what are the innovative initiatives of overseas veteran commercial insurance companies? The author has sorted out seven such companies as United HealthCare, Kaiser Foundation Health Plan, Aetna, Humana, CIGNA, BlueCross BlueShield, and BUPA, and found that interventions around cardiovascular disease mainly revolve around The following three sections are carried out:
Cardiovascular disease prevention
Cardiovascular chronic disease control
Disease treatment improvement
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Most of the contents of the above three sections are related to Internet medical treatment, so let's look at the layout of the above several insurance companies in Internet medical treatment.
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Note:
Electronic files are understood as personal electronic records established by policyholders in insurance companies.
In July 2015, Aetna issued a statement that it will acquire Humana. In July 2015, Anthem (the regional insurance company of Blue Shield Blue Cross) acquired Cigna.
Combined with the Internet medical layout, we look at the specific content of each disease intervention section, and the results are as follows:
Cardiovascular disease prevention
Mainly targeted at unhealthy health and sub-health populations, interventions mainly include two aspects, health management and disease risk identification.
1. Health management
The main purpose of health management is to educate policyholders to develop healthier lifestyles such as healthy eating, increased exercise, quitting smoking, and losing weight. Insurance companies also have a variety of interventions, including the education resources of the official website, cooperation with pharmacies and wearables companies, and health management APP. It is worth mentioning that some insurance companies are willing to pay for the healthy living habits of the policyholders. For example, UnitedHealthCare cooperates with Walgreens pharmacies, and users can get Walgreens account funds rewards when they complete walking and other sports.
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