원격보건과 보험산업
Telehealth and Insurance Industry
- 주제(키워드) Telehealth , Insurance , Home based e-health , Moral hazard , Over-treatment , Medical shopping , Health utilization rate , Mortality rate , 원격보건 , 보험 , 가정 기반 e-health , 도덕적 해이 , 과잉 치료 , 의료쇼핑 , 건강 이용률 , 사망률
- 발행기관 한국리스크관리학회
- 발행년도 2021
- 총서유형 Journal
- DOI http://dx.doi.org/10.21480/tjrm.32.3.202109.004
- KCI ID ART002758941
- 본문언어 영어
초록/요약
This study examines the relationship and interaction between telehealth and insurance. Recently, the need for non-face-to-face treatment or telehealth is increasing due to Covid-19. Telehealth is expected to grow exponentially, thanks to advances in IT and artificial intelligence techniques. Consequently, it is necessary to analyze this trend from the perspective of the insurance industry. Though telehealth may lead to increased utilization of health services, it will improve the health of policyholders and reduce mortality thereby improving the profit of insurance companies. Therefore, insurance companies are projected to actively utilize telehealth and encourage the insured to use it. This study analyzes the effect of telehealth on the profit and loss of insurance companies and suggests what incentives these companies can give to the insured.
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