Voluntary health insurance in the market of personalized medicine: new risk management models

Abstract

The public health systems that existed up to now and the future ones — personalized — are described. The trend of the Sixth technological paradigm is the transition from government expenses on the healthcare system to compensation for citizens expenses on biomedical services. The public health system in the future will certainly be personalized, it will include management of the risks of health disorders and cost compensation from personal savings accounts — tools for personifying all aspects of human life. All biomedical information about an individual will be collected in the one-stop digital health service. New models of risk management within voluntary health insurance in the emerging market for personalized medicine are needed by insurers to know how to compensate for damage when an insurance event occurs. Risk calculation is possible when there is a forecast, analysis, prevention — all the direct risk management tools.