Increase your comfort zone with prevention
Posted: Sun Jan 26, 2025 5:44 am
The processes for processing a claim in property insurance and those for submitting a claim in health insurance differ considerably. Both processes are complex and consist of various process steps. They are very important for the business result, as legitimate claims should be settled quickly and unjustified payments should be avoided.
Prevention is better than performance
What both areas have in common, however, is that prevention is always better than performance. Avoiding damage is always more profitable than a performance process, no matter how well designed. The focus here is on acting rather than reacting.
Prevention in Health Insurance
There are currently simple measures taken by health insurance italy consumer email list companies to prevent claims. This started with paid preventive examinations, such as cancer screening, to detect diseases at an early stage. This was further developed into bonuses for health-conscious behavior, such as the dental bonus booklet, in order to receive higher subsidies for dentures. Other offers are now available that offer the insured person assistance in special situations. These preventive offers are offered to all insured persons, usually regardless of their state of health and the time of the last examination.
We would really appreciate targeted information, then you no longer have to think about vaccinations or preventive examinations yourself! We also think that sending mail is unnecessary. A completely digital process for all offers would be nice! Change may be in sight:
The electronic patient record (ePA), which has been available since January 1, 2021, will in future also contain structured data objects that can form the basis for more targeted and faster offers to the insured. Insured persons can thus be personally informed about the next preventive examination. In addition to the prevention/early detection of diseases, active offers for rehabilitation and therapy can then also be made at an early stage. This offers the insured the opportunity to get back to everyday life more quickly. For the insurer, we see a high potential for savings in service costs here. Not only savings through the prevention and/or early detection of diseases, but also through faster rehabilitation or better therapy. In our view, it is worthwhile to invest here and exploit the potential.
Prevention is better than performance
What both areas have in common, however, is that prevention is always better than performance. Avoiding damage is always more profitable than a performance process, no matter how well designed. The focus here is on acting rather than reacting.
Prevention in Health Insurance
There are currently simple measures taken by health insurance italy consumer email list companies to prevent claims. This started with paid preventive examinations, such as cancer screening, to detect diseases at an early stage. This was further developed into bonuses for health-conscious behavior, such as the dental bonus booklet, in order to receive higher subsidies for dentures. Other offers are now available that offer the insured person assistance in special situations. These preventive offers are offered to all insured persons, usually regardless of their state of health and the time of the last examination.
We would really appreciate targeted information, then you no longer have to think about vaccinations or preventive examinations yourself! We also think that sending mail is unnecessary. A completely digital process for all offers would be nice! Change may be in sight:
The electronic patient record (ePA), which has been available since January 1, 2021, will in future also contain structured data objects that can form the basis for more targeted and faster offers to the insured. Insured persons can thus be personally informed about the next preventive examination. In addition to the prevention/early detection of diseases, active offers for rehabilitation and therapy can then also be made at an early stage. This offers the insured the opportunity to get back to everyday life more quickly. For the insurer, we see a high potential for savings in service costs here. Not only savings through the prevention and/or early detection of diseases, but also through faster rehabilitation or better therapy. In our view, it is worthwhile to invest here and exploit the potential.