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Prevention, individualization, ecosystems: "Health insurance must reinvent itself"

Pfefferminzia: How will the health market in Germany change in the future with the digital changes?
Jan Berger: The healthcare market in Germany is subject to two dramatic changes. One is certainly digital transformation. More basic is demographics. A key component of the German health market has been health insurance for a hundred years. When this system was created, the average life expectancy in Germany was between 35 and 38 years. That's the way it is today averagesalt with over 42 years. And children born today are likely to be 100 years of age or older. Gene therapies that slow, stop, or even reverse the aging process in our cells will begin within the next five to ten years.

So how do we live as long as possible healthy? This issue is being considered, not only by health insurers, but also by the pharmaceutical industry and many other health sectors, as a result of the transition from mere care to prevention. When a health insurance system was established in Germany, their goal was to make a sick or injured member as healthy as possible as soon as possible. This usually meant re-creating people. The real health issue could not be. In cognition, it matures socially and economically responsible for the preservation of health and the avoidance of disease than for the alleviation of years of suffering through expensive medicines and complex therapies.

What is the effect of digital transformation?
Expanding the term health. I used to be "healthy" until my doctor wrote me "sick." The huge amount of data we collect today about the physical and mental well-being of people means that I am only 70, 80, or 90 percent healthy, depending on the form of the day. Where does health start? When it comes to the food I eat, it depends on the mattress I sleep on, it heals my body, when I walk or swim, I don't even feel good about playing around with my kids or just looking at them? Each smartphone can express these states in measurable quantities. And many people started using these helpers to manage their health more consciously. You are more informed. This creates a gigantic health care market that goes beyond what the traditional health or healthcare market has offered so far. The essence of this new market is that people use it to refer to customized individual services. They are increasingly turning away from standard offerings.

What are the challenges facing health insurance? Does he have to invent himself?
Yes, it must. Demographic change and informed people are attacking the foundations of the principle that solidarity was built over 100 years ago and still exists today. If we all become 100 years old but have been battling age-related illnesses and signs of wear and tear on our bodies since the mid-40s, health insurance funds are forced to provide services to two-thirds or more of their customers, financing less than a third of their members. Such a system is not sustainable. In particular, health-conscious people ask from their point of view why they should support the treatment of people who carelessly care about their health in a solidarity community. Such an attitude can be considered selfish. Alone: ‚Äč‚Äčthere is, and we have to face it. So what does the modern principle of solidarity, which is already considering future development, look like? Health insurance companies – including private ones – will seek this dialogue with their customers and with society. It's still too small for my taste. And of course, private health insurers need to hit the right digital tone.

This means?
Does it make sense, in addition to the thousands of existing platforms, still 1,001 to create? Or is it not more reasonable to engage in hundreds of ecosystems – namely where they are already members? Should the health insurer also pay for the annual sequencing of the healthy member's genome in exchange for the data that this analysis brings with it and then develop well-tailored individual health plans? This will scare some away and other buyers will be pleased with this offer. In such a case, the provider is no longer a surface agent for service providers, but a companion for healthy living – in some ways a health guide. And it emerges from such a mission for private health insurers, the task of constantly thinking about diversified healthcare services to think and create a network for providers beyond the services of today.