Risk prevention and impact on health insurance coverage
Seminar series:
La prévention en santé
sera-t-elle algorithmique ?
Will preventive healthcare
be algorithmic?
On the initiative of the Centre de Recherche en Gestion
of the École Polytechnique
Académie Nationale de Médecine
16 RUE BONAPARTE 75006 Paris
8:30 am-10:00 am
Knowledge of the risk of disease occurrence through predictive algorithmic methods calls into question a founding principle of insurance coverage. If this risk is known, pooling it within an insurance system loses its meaning, and a move towards individualized contracts is a plausible option.
At the same time, massive data processing makes it possible to monitor recommended behaviors using connected tools. With a connected watch, for example, it’s possible to know whether a given policyholder is following recommendations on physical exercise or other matters. Contracts can be modulated according to compliance behavior. Prevention, both in terms of risk prediction and compliance with the measures implemented, therefore seems an additional dimension for insurers to integrate. But the adoption of such an approach depends on cultural contexts.
Is it possible to envisage individual forms of insurance based on greater control of policyholder behavior in contexts such as France? If this seems more plausible in liberal contexts, isn’t there a French-style model to be created to take account of these new forms of prevention in the insurance world? If so, what are its foundations?
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