基于区块链技术“医疗+保险+健康管理”信息系统设计的探讨【摘要】目前全球寿险业正在从风险“承担方”、理赔“支付方”向风险“预防者”、健康“管理者”的方向转型升级①，寿险企业正越来越多地探索监控、管理和改善客户健康的健康促进型产品。而被保险人的健康医疗数据是寿险公司定价的基础，完整获取被保险人健康医疗数据成为寿险成功转型的关键。本论文顺应行业发展趋势，从解读区块链技术及其在寿险业的应用现状入手，结合寿险向健康管理方向转型升级的痛点，参考借鉴国内外成功案例和既有的区块链信息系统设计，提出寿险业利用区块链技术获取被保险人健康医疗数据的信息系统框架，且从经济、技术和社会三方面进行可行性分析并提出推动寿险业区块链信息系统落地的建议。【关键词】健康医疗数据、行业协同、健康管理、寿险转型升级、区块链战略① 前瞻趋势：2020 年全球寿险业发展方向（上篇）https://mp.weixin.qq.com/s/XZrTZ1zGgTU6_Pu_-mCjPgDiscussion on the Design of "Medical + Insurance + Health Control" Information System Based on Blockchain Technology[Abstract] At present, the global life insurance industry is transforming and upgrading from "Risk undertaker" and "Claim payer" to "Risk preventer" and "Health manager". Life insurance enterprises are increasingly exploring health promotion products to monitor, manage and improve customer’s health. The insured’s health care data is the basis of the pricing of the life insurance company. The key to the successful transformation of life insurance is to obtain the completely health care data of the insured. Conforming to the trend of the industry, this thesis starts with the interpretation of blockchain technology and its application in life insurance industry, then discusses with the difficulties in the transforming and upgrading of life insurance to health control. Moreover, this thesis not only reference the successful cases at home and abroad but also the existing design of blockchain information system. Finally, thi...
