区块链具有参与方认可的、唯一的、可溯源的、不可篡改的信息源，因此在保险价值链的投保、承保、理赔、客服等环节中，尤其是健康保险，展现出充分的应用潜力。根据黑皮书市场调研公司（Black Book Market Research）的调查，70%的健康险公司正在尝试将区块链融合进自己的系统之中。
Blockchain has the exclusive, traceable and non-tampered information source which is recognized by the participants. Therefore, in insurance industry, especially health insurance, there is potential to apply blockchain in the value chain of underwriting, claims, customer service and others. According to the survey of Black Book Market Research, 70% of health insurance companies are trying to integrate blockchain into their systems. |
♦ 网络攻击：数据泄露、网络攻击的威胁，体现了安全的网络环境的重要性。
♦ 信息平台：如今病患信息散落在各个医疗系统中，信息不对称，缺少一个统一的信息平台。
♦ 欺诈：骗保、信息流失被盗卖、篡改数据等长期存在的行业顽疾。
♦ 运营成本高：第三方中介及许多重复验证和操作流程导致大量交易费用，浪费交易时间。
♦ Internet Attack: The threat of data leakage and hackers embodies the importance of a secure network environment.
♦ Information Platform: The information of patients is nowadays scattered in various medical systems. The asymmetrical information needs a unified information platform.
♦ Fraud: Fraud in premium and loss or steal of information are all long-standing industry illnesses.
♦ High Operating Cost: The third party intermediaries and many duplicated verification and operation processes lead to a large amount of transaction costs and waste of transaction time. |
早在2016年，阳光保险集团采用区块链技术推出了“阳光贝”积分，用户在享受普通积分功能的基础上，还可以发红包的形式将积分向朋友转赠、与其他公司发行的区块链积分互换，成为国内第一家开展区块链技术应用的金融企业。阳光保险区块链积分应用的落地，对区块链技术在各行业中落地应用均起到了示范作用。更多关于区块链的话题，欢迎来到2018年第二届中国健康保险业创新国际峰会（6月28-29日I上海）的大会现场与同行共同探讨！
In 2016, Sunshine Insurance Group firstly adopted blockchain technology in China among the insurance companies and launched "Sunshine Bei" bonus point plan. Users can share there points with friends even in different insurance companies. The practice of Sunshine Insurance Group played a demonstration role in the application of blockchain. For more information about Blockchain, we warmly welcome you to attend the 2nd Health Insurance Innovation Congress China 2018 (June 28-29th I Shanghai, China),discussing more about with us. |
2018年第二届中国健康保险业创新国际峰会确认演讲嘉宾
HIIC 2018 Confirmed Speaker |
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话题：区块链在健康保险中的应用
Topic: The Application of Blockchain in Health Insurance
田凤占
首席数据科学家，阳光保险集团
Tian Fengzhan
Chief Data Scientist, Sunshine Insurance Group
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