Guiding Pay-As-You-Live Health Insurance Models Toward Responsible Innovation in Health

Alami, Hassane; Rivard, Lysanne; Oliveira, Robson Rocha de; Lehoux, Pascale; Cadeddu, Stéphanie B.M.; Savoldelli, Mathilde; Ahmed, Mohamed Ali Ag; Fortin, Jean‐Paul

doi:10.2196/19586

Cited by 6 publications

(2 citation statements)

References 22 publications

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“…Some disadvantaged people with limited resources may use “cheap” (low direct cost) platforms whose effectiveness, quality, and safety are questionable [ 13 ]. Such platforms are flourishing in a context of regulatory “laisser-faire” and policy vacuum [ 10 , 20 , 34 , 48 ]. Laws and regulatory frameworks are not always adapted, particularly with respect to the protection of patient data (e.g., secondary use, sales to insurance and/or pharmaceutical companies, subcontracting), as well as the control and verification of the qualifications and skills of clinicians.…”

Section: How Does the Inverse Care Law Manifest Itself In “Direct-to-...mentioning

confidence: 99%

“…Pre-pandemic literature raised concerns about the social impacts of virtual care [ 30 , 31 , 32 , 33 , 34 , 35 , 36 ] and “digital exclusion”, which refers to unequal access to digital technologies and lack of skills to use them [ 37 ]. To date, this (largely social science-based) literature has largely been side-lined or ignored, with limited attention on the part of decision-makers and technology promoters on the potential of technologies to exacerbate health inequalities [ 38 , 39 , 40 , 41 , 42 , 43 ].…”

Section: Introductionmentioning

confidence: 99%

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Virtual Care and the Inverse Care Law: Implications for Policy, Practice, Research, Public and Patients

Alami

Lehoux

Shaw

et al. 2022

IJERPH

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Virtual care spread rapidly at the outbreak of the COVID-19 pandemic. Restricting in-person contact contributed to reducing the spread of infection and saved lives. However, the benefits of virtual care were not evenly distributed within and across social groups, and existing inequalities became exacerbated for those unable to fully access to, or benefit from virtual services. This “perspective” paper discusses the extent to which challenges in virtual care access and use in the context of COVID-19 follow the Inverse Care Law. The latter stipulates that the availability and quality of health care is inversely proportionate to the level of population health needs. We highlight the inequalities affecting some disadvantaged populations’ access to, and use of public and private virtual care, and contrast this with a utopian vision of technology as the “solution to everything”. In public and universal health systems, the Inverse Care Law may manifests itself in access issues, capacity, and/or lack of perceived benefit to use digital technologies, as well as in data poverty. For commercial “Direct-To-Consumer” services, all of the above may be encouraged via a consumerist (i.e., profit-oriented) approach, limited and episodic services, or the use of low direct cost platforms. With virtual care rapidly growing, we set out ways forward for policy, practice, and research to ensure virtual care benefits for everyone, which include: (1) pay more attention to “capabilities” supporting access and use of virtual care; (2) consider digital technologies as a basic human right that should be automatically taken into account, not only in health policies, but also in social policies; (3) take more seriously the impact of the digital economy on equity, notably through a greater state involvement in co-constructing “public health value” through innovation; and (4) reconsider the dominant digital innovation research paradigm to better recognize the contexts, factors, and conditions that influence access to and use of virtual care by different groups.

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Section: How Does the Inverse Care Law Manifest Itself In “Direct-to-...mentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Virtual Care and the Inverse Care Law: Implications for Policy, Practice, Research, Public and Patients

Alami

Lehoux

Shaw

et al. 2022

IJERPH

Self Cite

View full text Add to dashboard Cite

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Tools to foster responsibility in digital solutions that operate with or without artificial intelligence: A scoping review for health and innovation policymakers

Lehoux

Rivard

Oliveira

et al. 2023

International Journal of Medical Informatics

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Tausche Gesundheitsdaten gegen Versicherungsrabatte – Empirische Untersuchung der Kundenakzeptanz von Pay-as-you-live-Tarifen in der Krankenversicherung

Kwasniok

Heyne²

2022

HMD

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ZusammenfassungDie vorliegende Studie untersucht, welche Faktoren auf Kundenseite die Nutzungseinstellung von Pay-as-you-live (PAYL)-Tarifen beeinflussen. Bei solchen Versicherungsprodukten teilt die versicherte Person laufend Gesundheitsdaten mit dem Krankenversicherer, die über Smart Devices erhoben werden. Im Gegenzug erhält die versicherte Person Bonifikationen, wenn die übermittelten Daten auf ein gesundheitsbewusstes Verhalten schließen lassen. Für die Untersuchung werden Erkenntnisse der Technologieakzeptanzforschung (vor allem „Technology Acceptance Model (TAM)“) und der Forschung zur Nutzung mobiler Internettechnologien (vor allem „Mobile Users’ Information Privacy Concerns (MUIPC)“) verwendet. Das abgeleitete Erklärungsmodell wird auf Grundlage einer Online-Befragung (n = 333) für den deutschen Versicherungsmarkt empirisch überprüft. Die durchgeführte Regressionsanalyse identifiziert den wahrgenommenen Nutzen, die individuelle Innovationsbereitschaft, das wahrgenommene Anbietervertrauen sowie ein wahrgenommenes Eindringen in die Privatsphäre als relevante Faktoren für die Nutzungsbereitschaft von PAYL-Tarifen in der Krankenversicherung. Die Studienergebnisse bilden die Grundlage für die Ableitung von Handlungsempfehlungen für Krankenversicherer bezüglich der Gestaltung von PAYL-Tarifen.

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Guiding Pay-As-You-Live Health Insurance Models Toward Responsible Innovation in Health

Cited by 6 publications

References 22 publications

Virtual Care and the Inverse Care Law: Implications for Policy, Practice, Research, Public and Patients

Virtual Care and the Inverse Care Law: Implications for Policy, Practice, Research, Public and Patients

Tools to foster responsibility in digital solutions that operate with or without artificial intelligence: A scoping review for health and innovation policymakers

Tausche Gesundheitsdaten gegen Versicherungsrabatte – Empirische Untersuchung der Kundenakzeptanz von Pay-as-you-live-Tarifen in der Krankenversicherung

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