---
# System prepended metadata

title: Combine of block chain & medical insuriance
tags: [UaiTed]

---

# Combine of block chain & medical insuriance
###### tags: `UaiTed`
https://www.munichre.com/us-life/en/perspectives/underwriting/blockchain-implications-insurance-industry.html#:~:text=Cost%20savings%20is%20a%20major%20benefit%20that%20blockchain%20can%20provide.&text=Blockchain%20has%20the%20ability%20to,administrative%20costs%20for%20insurance%20companies.

### using block chain in medical insuriance:
#### Why need to use
* to comunicate between different hospital and insurance company 
    * hospital ＆ hospital -> know the patient situation, prevent abuse of using medical resources
    * hospital ＆ insurance company -> confirm patient truely have that kind of disease (prevent fake info)
    * insurance company ＆ insurance company -> prevent insurance scam

* use smart contract to auto the work flow
    * auto the workflow of chek information and apply claim

### work flow
* first insured 
    * person insured to comapanyA
    * companyA check the insuriance chain for the onfo of the person's history of insured (prevent double insured)
    * companyA check the medical record chain for the onfo of the person's history of medication
    * person insured to comapanyA successfully
    * comapanyA write the patient's insurance record on the insurance chain
* Apply for a claim
    * person go to hospitalA
    * hospitalA check the person's medical record on the medical record chain
    * do treatment 
    * hospitalA write the patient's medical record on the medical record chain
    * hospital auto check the patients's insurance on the insurance chain
    * hospitalA auto send the info to those companies
    * companies give claim auto
    * companies write claim record on the insuriance chain

### pros & cons of using blockchain in medical insuriance:
* pros
    * all action automatic -> decrease cost,time of waitig
    * share information with company and hospitals but don't need to worry about leak of customer's personal information 
    * data security
    * easily to do research (share data)
* cons
    * need large scale (because only avaliable in the company in chain)
    * 


* decentralize 
    * Share Information but Own their Own pation
    * No levels in the system



* Client & Customer
    * Client: 
        * Insurance company
            * to share the info
            * to get the confirmed medical record of the company
        * Hospital
            * to share the info
            * to give patients better experience of getting claim
    * 
* How to construct it
    * Build two chain (private chain)
        * medical record chain
        * insurance record chain
    *  make regulations let Hospitals join the chain
    *  invite insurance company to join the chain


* how it works
    * patient
    * hospital
    * insurance company
    * ![](https://i.imgur.com/lo2ZIuz.jpg)

    * Step 1: The hospital sends a transaction to the blockchain network to initialize everything. Step 2: The hospital uploads account records to the blockchain network. Step 2.5: The patient should check to see if the hospital has properly computed his expense history. Step 3: To query a response, the insurance agent sends a query-transaction. Step 4: The query-transaction and corresponding record-transactions are read from the blockchain by the servers. Step 5: After locally computing, servers produce responses and send them to the blockchain network as respond-transactions. Step 6: The insurance provider gathers the responses and ensures that they are accurate. Step 7: The insurance company restores the result based on the t correct responses.
* problem solving
    * because of the decentralization, users can communicate with one another without the involvement of third parties. Second, the system supports the threshold property. That is, the hospital specifies servers to manage patient records, and the storage data is still private for the servers as long as a certain number of the servers are trustworthy. Furthermore, the required servers will perform homomorphic computations on the data and then return responses to answer to the insurance company's question. If the insurance provider can obtain a certain number of correct responses, the correct patient's spending data can be restored.Finally, all crucial information is verifiable. The majority of the data, in fact, is publicly verifiable. As a result, blockchain record-nodes can assist individuals in performing public verifications. As a result, users' computations are significantly reduced. Finally, the system is given a performance evaluation.



* Marketing and advertising strategy
    * Marketing
        *  B to B
        *  gain added value to company (customer choose)

    * advertise to the person
        * person choose the hospital and insurance company which has joined the blockchain
        * quick and convinient


![](https://i.imgur.com/7VtF5Em.jpg)



