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A large number of medical health big data Deng Kan solvable health insurance three pain points www.277.cc

A large number of medical health big data: Deng Kan solution Sina health insurance fund three pain points exposure: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click [I want to complain], Sina help you expose them! This is a great paradox: on the one hand, the entire insurance industry are very optimistic about the prospects of health insurance, because this is a scale of trillion yuan in the blue ocean market, future reverie; on the other hand, many insurance firms saw opportunities in front but hard to swallow, and even health insurance business has been carried out have sustained a loss of reality, so embarrassing. Overall, the health insurance business difficulties, mainly there are three pain points: the first is the product design is not scientific, the lack of a large number of long-term incidence and prevalence data support, after different treatment effect and cost evaluation; second is the single health insurance premium is small, difficult to bear high promotion costs, the current human sea tactics it is not practical; third is effective and prevent potentially fraudulent underwriting, which requires a large number of professionals, will also have a huge cost. How to crack the three pain points? Recently, the "daily economic news (blog, micro-blog)" reporter searching for related fields of all kinds of enterprises, benefit by mutual discussion. Today’s report, from the health of large data fields and suggestions. Beijing large number of medical science and Technology Co Ltd, is a company focused on the medical data of the enterprise, and now has many hospitals of Beijing, Jiangsu, Guangdong and other places of the cooperation, the data mining in the more than 100 million electronic medical records, and the use of artificial intelligence methods such as the forefront of deep learning, modeling and analysis of diagnosis and the treatment of common diseases. The day before, the "daily economic news" reporter (hereinafter referred to as NBD) founder Dr. Deng Kan interview large numbers of medicine, he is the Carnegie Mellon University Computer Institute (CMU) PhD, specializing in artificial intelligence and data mining, former U.S. Oracle Corp (Oracle) director system architects, senior director, Baidu web search and other positions. For health insurance and medical problems facing big data, Dr. Deng Kan one by one to answer a reporter’s question, and frankly put forward his proposal. Health insurance is facing one point three aspects of the problem NBD: at present, many health insurance companies are losing money, what do you think is the reason? Deng Kan: first, the problem of insurance product design. There are two dimensions in the design of insurance products: one is what products provide to users, and the other is how to price them. Price is not high, people (603883, stock it) can not afford to buy, it is not set too low, the insurance company can not afford to pay. Followed by the guest problem. How large-scale low in the vast sea of humanity, to find the need for health insurance, but not the reverse selection of users? Third is the problem of wind control. How to check and prevent potentially fraudulent underwriting effective? These three aspects are not good, health insurance will be difficult to succeed. To do these three aspects, we must first do a basic point. The basic point is that insurance companies must form a common interest with the hospital. If the amount of payment down, not only insurance companies benefit, the hospital should also be a corresponding benefit. On the contrary, if the amount exceeds the amount of compensation, not only the risk of damage to enterprises相关的主题文章: