数字健康：这种兴奋感合理吗？

Adrita Bhattacharya-Craven,The Geneva AssociationIn collaboration withAdam B. Cohen, Johns Hopkins UniversitySaira Ghafur, Imperial College LondonDigital HealthIs the euphoria justified? The Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies; ourmembers are insurance and reinsurance Chief Executive Officers (CEOs). Based on rigorous research conducted incollaboration with our members, academic institutions and multilateral organisations, our mission is to identifyand investigate key trends that are likely to shape or impact the insurance industry in the future, highlighting whatis at stake for the industry; develop recommendations for the industry and for policymakers; provide a platform toour members, policymakers, academics, multilateral and non-governmental organisations to discuss these trendsand recommendations; reach out to global opinion leaders and influential organisations to highlight the positivecontributions of insurance to better understanding risks and to building resilient and prosperous economies andsocieties, and thus a more sustainable world.Published by The Geneva Association—International Association for the Study of Insurance Economics, Zurich.Cover page— Ju Jae-young and IndianFaces / Shutterstock.comThe Geneva Association—International Association for the Study of Insurance EconomicsTalstrasse 70, CH-8001 ZurichEmail: secretariat@genevaassociation.org | Tel: +41 44 200 49 00 | Fax: +41 44 200 49 99 2www.genevaassociation.orgDecember 2020Digital Health: Is the euphoria justified?© The Geneva AssociationPhoto credits:Page 31—cawee / Shutterstock.com ContentsForeword1.Executive summary2.Introduction3.The digital health landscape3.1.The momentum behind digital health3.2.What does the digital health mass market offer?3.3.How are consumers using digital health?4.The hype versus the facts4.1.Does digital health lead to healthier behaviour?4.2.Does digital health lead to better health outcomes?5.Digital health: Relevance for health and life insurers5.1.A value chain perspective5.2.Online survey results5.2.1.Digital health strategies and opportunities5.2.2.Current digital health platforms5.2.3.Digital health influence across the value chain5.2.4.Barriers to digital health5.2.5.Risks of digital health6.Recommendations: Where to go from here?7.Closing remarksReferences 3Digital Health: Is the euphoria j ustified?569121213171818202222252526272931323536 4www.genevaassociation.orgAcknowledgementsThis publication is a product of the Health and Ageing work stream of The Geneva Associa-tion, co-sponsored by Thomas Buberl, CEO of AXA, and Michel Khalaf, CEO of MetLife.We are very much indebted to the members of the Working Group, established insupport of the research activities of our Health and Ageing work stream, with specialthanks to an advisorygroup,namely Piet Maree(AIA),Joanna Richardson(AXA),DrLeena Johns,MAXIS GBNguidedthedevelopment of this report.In addition, we want to extend our deepest gratitude to all key contributors who helpedcraft key sections of the report, as well as all survey respondents who provided us withthe richness of the data.Contributors include: Achim Regenauer (PartnerRe), Konstanty Owczarek (AIG), DennisNoordhoek (The Geneva Association), Somesh Chandra (AXA) and Ellie Cole (UCL).Insurer survey respondents include: AIA; AIG, U.S.; AXA, Hong Kong; AXA PPP, U.K.; Ping An;Dai-ichi Life, Japan; DKV, Germany; DKV, Spain; MetLife; Nippon Life; and PrudentialFinancial.Provider survey respondents include: Daniel Nathrath (Ada Health), Jean Kramarz (AXAPartners), John Korangy (Care Clix), Antonio Sek (Chiron Healthcare Group), RosalineChow Koo (CXA), Peter Ohnemus (Dacadoo), George Baptise (DocDoc), Paul Tambeau(Doctor Care Anywhere), Lu (Lucy) Sun (Ping An Healthcare And Technology CompanyLimited/Good Doctor), Andrew Smith (Grameen Digital Healthcare Solutions, formerlyTelenor Health), Group Fit Ventures, Mark Wauton (Global Gene Corp), Paul Feldhausen(Holmusk), Yaron Savoray (KHealth), Kauri Onguchi and Dora Lam (Neurotrack), TetsuyaNojiri (Oishi Kenko), Jonathan Lau (Pedder Health), Adam Odessky (Sense.ly), MagdalenaLlavallol (ÜMA Health) and Y.C. Tsang (UMP Healthcare). (MetLife)andAchimRegenauer(PartnerRe),who Foreword For the enormous hardship that the COVID-19 pandemic has brought to the world,there are a few silver linings if we look closely. Many industries, for example, achievedaccelerated digitalisation as a result of people moving to virtual interactions in theirprofessional and personal lives. Healthcare was one of these industries, and its digitaltransformation was long overdue.Digital health, with the prospects that it can increase the accessibility and affordability ofhealthcare, is attractive for individuals, health providers and insurers alike. The researchfor this report was carried out during a period of sharp and significant growth in thedigital health market. Projected increases on th