Abstract
Today's insurance industry plays a significant role in a variety of fields, particularly in health insurance. As IoT technology advances, health insurers in IoT networks can obtain real-time medical data for individuals and issue individual insurance policies based on a person's lifestyle. However, sharing personal data requires a guarantee of privacy and security. This paper suggests a Blockchain technology to solve this problem. The work presents a novel framework that integrates health insurers, IoT-based networks, and Blockchain technology to implement access control protocol using a smart contract for sharing the financial premium of insureds with the stakeholders as non-participants/authorized parties. The evaluation of the proposal results in authorized access within less time compared to traditional data-sharing systems, and the security analysis shows that proposal can protect data from potential threats. Index Terms— IoT, Blockchain, health insurance, insurer, Smart Contract, PBFT.
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