MediBloc 开辟无限可能的医疗保健数据

2021年04月04日 16:22

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引言


MediBloc专注于改变传统保险报销中医院由计算机生成的病历转换回模拟纸质,再转换回数字以进行保险索赔的效率低下的过程。区块链可证明医疗细节没有被操纵,并且仅允许本人访问医疗细节的解决方案。还使用基于区块链的DID技术解决了数据传输过程中所需的身份认证,使保险索赔无需到医院,也无需使用纸质,节省成本并提高了效率。




以下为AMA全文



 

Jenny:How does MediPass operate to realize insurance claims? Can you help us solve any problems encountered in claims settlement?  

MediPass如何实现保险索赔? 如何帮助我们解决索赔时遇到的任何问题吗?

 

Wookyun Kho보험금 간편 청구라는 솔루션들은 많이 있습니다. 대리점에 찾아가거나, 팩스로만 청구할 수 있었던 때에 비하면 간편하긴 합니다. 하지만 오늘날 간편 청구는 여전히 서류를 병원에서 직접 출력하여야 하고, 서류를 직접 사진으로 촬영해서 앱에 올리는 등, 꽤 노력이 들어가는 일이죠. 다르게 표현하자면 병원에서 디지털(컴퓨터)로 생성된 진료내역이 다시 아날로그(종이)로, 그리고 보험 청구하기 위해 다시 디지털로 전환하는 방식이에요.


저희는 [디지털 – 아날로그 – 디지털] 의 불필요한 포맷 변화에 집중했습니다. 이 과정에서 발생하는 비효율을 해소하고자 한 것이에요. 블록체인으로 진료내역이 조작이나 왜곡되지 않은 진본임을 증명하고, 더불어 진료내역에 본인만 접근할 수 있는 솔루션을 구현해낸 것이죠. 데이터 전송 과정에서 필요한 신원인증도 블록체인기반 DID 기술을 활용해 해결함으로써 간편하고 빠르게 병원 방문없이, 그리고 종이 발급없이 보험 청구가 가능한 서비스를 구현했습니다.

 

对于简单的保险索赔,有许多解决方案。这比只去经销商处或通过传真请求要简单得多。但是,今天的索赔仍然需要付出很多努力,例如直接在医院打印文档,为它们拍照并上传到应用程序。换句话说,它是一种方法,其中将医院中由数字(计算机)生成的病历转换回模拟(纸质),再转换回数字以进行保险索赔。


我们专注于改变这种不必要的[数字-模拟-数字]格式。旨在消除此过程中发生的效率低下。区块链证明医疗细节没有被操纵或扭曲,此外,我们实施了仅允许本人访问医疗细节的解决方案。还使用基于区块链的DID技术解决了数据传输过程中所需的身份认证,使保险索赔无需到医院,也无需使用纸质。

 

There are multiple solutions for makingyour insurance claims easy. These days, it is much easier than before when youhad to go to the agency office or fax every documents. But still, it requires alot of effort as all the solutions out there require you to get all thedocuments from the hospital, take photos of those documents to upload themusing the app, etc. In other words, these methods require digital data(in thedatabase) from the hospitals to be converted to analog data(paper) andconverted once again to digital data for making the claims. 


We focused on this unnecessary format conversionfrom digital to analogue and again to digital. We wanted to solve thisinefficiency during the process. Using blockchain technology, our solution canguarantee the integrity of the medical billing data and only allow the rightindividual to the data. Simply put, Medipass is a medical data blockchainplatform that allows utilization of the data in the digital format.

 

Jenny:How many hospitals, insurance companies, and users are currently using MediPass?

目前有多少家医院,保险公司和用户正在使用MediPass?

 

Wookyun Kho메디패스는 보험청구 서비스가 두 가지 있어요. 서류없이청구할수있는패스청구와사진을찍어청구할수있는패스청구입니다. 메디패스와연동된병원이라면서류발급없이패스청구를할수있고, 사진청구를하면한국에있는 40여개보험사모두에바로보험청구를할수있습니다.

현재 연동된 의료기관은 한국 대형병원인 삼성서울병원, 세브란스병원, 강남세브란스병원, 용인세브란스병원, 목포한국병원,서울대학교병원 6곳이에요. 그리고 이들 병원 연간 이용 환자수를 합치면 연간 약 580만 명에 이릅니다. 한국 전체 인구의 11%에요. 또, 조만간 한국정부에서 운영하는 공공의료기관의 연동도 앞두고 있어요. 보험청구는 거의 모든 보험사에 가능하지만 실제로 블록체인으로 연결된 곳은 아직 제한적입니다. 현재까지 연결 완료된 보험사는 삼성화재, 신한생명, 현대해상, KB손해보험으로 실손보험 시장 기준으로는 커버리지가 거의 50%에 달해 저희가 현재 시장 1위입니다. 메디패스와 병원 그리고 보험사의 연결은 적극적으로 진행되고 있고 올해 굉장히 빠르게 늘어날 예정입니다.


Medipass有两个保险理赔服务。如果您是与Medipass联动的医院,则可以直接向韩国的所有40家保险公司申请保险,而无需签发文件。目前关联的医疗机构是三星首尔医院,西富兰斯医院,江南西富兰斯医院,龙仁西富兰斯医院,木浦韩国医院和首尔国立大学六所医院。这些医院每年的患者数量约为580万。它是韩国总人口的11%。此外,在不久的将来,由韩国政府运营的公共医疗机构之间的联系也将向前发展。几乎所有保险公司都可以提出保险索赔,但实际上,区块链连接仍然受到限制。到目前为止,已合并的保险公司有三星消防和海洋保险,新韩人寿保险,现代海洋公司和KB保险,根据实际的保险市场,我们的覆盖率近50%,我们目前市场第一。 MediPass,医院和保险公司之间的联系正在积极发展,预计今年将迅速增长。

 

Medipass has. two insurance claims services. Those are 'Pass claim service' and 'photo insurance claim service'. Pass claim service directly links participating hospitals and insurance companies without having to issue paper documents. And by photo insurance claim service you just easily take a photo of the receipt and send it. Done, Medipass cover up all 40 insurance companies in Korea.

Currently associated medical institutions are Samsung Seoul Hospital, 3 different Severance Hospitals, Seoul National University hospital, and Mokpo Hankuk Hospital - in total 6 big hospitals in Korea; 3 of these are actually among the 5 biggest. The annual number of patients in these hospitals is approximately 5.8million. It's roughly 11% of the total population of Korea. In addition, in the near future, one of the biggest government-operated public hospital will also be included. In terms of insurance companies, we cover almost all insurance companies, although number of companies linked with blockchain are limited.


So far, insurance companies connected through our blockchain include Samsung Fire & Marine Insurance, Shinhan Life Insurance, Hyundai Marine Corporation and KB Insurance. According to the actual insurance market, our coverage rate is nearly 50%, and we are currently the number one in the market. The connection between MediPass, hospitals and insurance companies is actively developing and is expected to grow rapidly this year.

 

Jenny:What are the problems in the processing ofmedical information, and how can MediBloc improve these problems?

医疗信息处理中存在哪些问题,MediBloc如何改善这些问题?