2. Abandoning collective base insurance

Keywords:
- strong differentiation against market price
- insurance screens more severe
- selection at the entrance of the hospital
- decentralisation
- care activities take place at home -> custom made
- virtual hospital
- Teleprevention -> doctors advises and communication is based on the implanted chip that shows current status
- genetic screening-> downside: labelling and discrimantion
- conditions of use of technology need to be optimalized

Story:
In the early years of this century various trends can be spotted. Electronic devices are becoming simpler to use but have more functions. Additionally, the electronic devices are getting smaller and cheaper. [reference]. This trend, in combination with an increase of the hospital related diseases, like infections due to extremely resistant bacteria, led to a new kind of health care. Due to the invention of an inflatable sterile operation room balloon, ordinary living rooms can be turned into operation rooms in less than one hour. Therefore, almost 90% of the basic operations can be done at the private home of the patient. Recovery of the patient is monitored through telemonitoring.

Also the prevention of illnesses is also done by telemonitoring. The condition a patient is constantly being monitored by his hospital via an online service company and in case of any threats preventive actions are suggested to the patient. The preventive actions can vary from online tips (via e-mail), service call from doctors or visits.

Because the DNA profile and family history of every patient is known and because the on-line condition monitor provides continuous real-time information on the health of a patient, continuous care can be taken of a patient.

Health insurance companies eagerly followed the availability of the on-line personal health information. Due to privacy reasons this information flow is only available for the patients and the doctors. However, people who were willing to share this information with health insurance companies could get significant discounts on their health insurance. Therefore more and more people agreed to share this information with their health insurance companies, which in turn supplied them with personal, custom made insurance products. When this trend continues it is expected that the collective base insurance will be abandoned within a couple of years.