The following is my
answer to a Quora question: “Why will health insurance carriers
not adopt a payment tracking system similar to online banking so a patient can
immediately show that they paid a portion of their deductible previously? At times patients are asked for deductible
twice, then get refund.”
In Singapore, we have that. Specific to AIA, clients can go on the eCare
portal and track their claims, their investments and even their pending
payments. Additionally, there is an app
that they can download on their phones specific to hospitalisation plans, where
they can track their payments, and related data. There is even a list of approved doctors and
clinics. There is a Medix app that
allows them alternative panel of experts for treatment plans and medication. Other insurers in Singapore are already
moving in that direction. Prudential
have revealed some exciting plans during the last Fintech seminar regarding
this as well.
The US is, unfortunately, very far behind when it
comes to care management, claims tracking and overall adoption of technology. It spends the most on healthcare with the
least returns.
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