摘要
在数字经济时代,随着以数据为核心的人工智能、云计算、区块链、基因检测、物联网、互联网等前沿技术应用到各个行业和领域,新经济增长点被不断培育出来。伴随产业数字化转型的阵痛,保险科技的发展也使健康保险业迎来了科技变革。本文采用数据分析和定性分析,剖析数字经济时代健康保险业的机遇和挑战,并针对保险科技应用中存在的问题,对健康保险数字生态系统中的多个主体提出一系列应对策略,助力健康保险业对外打造一站式健康管理平台,对内构建智能一体化运营模式,以实现健康保险业数字化转型。
In the digital economy era,with the application of cutting-edge technologies such as data-centric artificial intelligence,cloud computing,blockchain,genetic testing,Internet of Things,and the Internet to various industries and fields,new economic growth points have been continuously cultivated.With the pain of digital transformation of the industry,the development of insurance technology has also brought technological changes in the health insurance industry.This article uses data analysis and qualitative analysis to analyze the opportunities and challenges of the health insurance industry in the digital economy era,addresses the problems in the application of insurance technology,and proposes a series of coping strategies for multiple subjects in the health insurance digital ecosystem to help health insurance industry build a one-stop health management platform externally,and build an intelligent integrated operation model internally to realize the digital transformation of the health insurance industry.
作者
唐金成
宋威辉
李舒淇
Tang Jincheng;Song Weihui;Li Shuqi(不详)
出处
《西南金融》
北大核心
2021年第2期85-96,共12页
Southwest Finance
关键词
数字经济
保险科技
大数据
人工智能
健康保险
健康管理
老龄化
数字化转型
digital economy
insurance technology
big data
artificial intelligence
health insurance
health management
aging
digital transformation
