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원격보건과 보험산업Telehealth and Insurance Industry
- Other Titles
- Telehealth and Insurance Industry
- Issue Date
- 2021
- Publisher
- 한국리스크관리학회
- Keywords
- Health utilization rate; Home based e-health; Insurance; Medical shopping; Moral hazard; Mortality rate; Over-treatment; Telehealth; 가정 기반 e-health; 건강 이용률; 과잉 치료; 도덕적 해이; 보험; 사망률; 원격보건; 의료쇼핑
- Citation
- 리스크관리연구, v.32, no.3, pp.105 - 145
- Indexed
- KCI
- Journal Title
- 리스크관리연구
- Volume
- 32
- Number
- 3
- Start Page
- 105
- End Page
- 145
- ISSN
- 1229-103X
- Abstract
- 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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