A blockchain-based health insurance model enhanced with quadratic voting.

IF 2.2 3区医学 Q2 HEALTH CARE SCIENCES & SERVICES

Health Informatics Journal Pub Date : 2025-04-01 Epub Date: 2025-05-02 DOI:10.1177/14604582251339422

Saeed Shouri, Rasoul Ramezani

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引用次数: 0

Abstract

Background: The health insurance industry faces challenges like inefficiencies, fraud, lack of transparency, and limited customization. With its decentralized structure, smart contracts, and immutable records, blockchain technology offers a transformative solution by enhancing transparency and operational efficiency. Objective: This study proposes a blockchain-based health insurance model to improve transparency, fairness, and efficiency while addressing existing limitations. Methods: The proposed framework integrates smart contracts with quadratic voting (QV) and advanced validation techniques, creating a democratic, secure, and customizable insurance process. Results: The model tailors personalized insurance plans to collective preferences using QV-based decision-making and dynamic pricing. Blockchain enhances trust and system reliability, while the inclusion of QV fosters inclusivity and fairness. Conclusion: By combining blockchain's decentralized architecture with QV, the proposed system overcomes the limitations of traditional insurance, offering a scalable, efficient, and equitable alternative that aligns individual preferences with societal health goals.

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基于区块链的健康保险模型，增强了二次投票。

背景：健康保险行业面临着效率低下、欺诈、缺乏透明度和定制有限等挑战。凭借其分散的结构、智能合约和不可变的记录，区块链技术通过提高透明度和运营效率，提供了一种变革性的解决方案。目的：本研究提出了一种基于区块链的医疗保险模型，以提高透明度、公平性和效率，同时解决现有的局限性。方法：提出的框架将智能合约与二次投票（QV）和先进的验证技术集成在一起，创建了一个民主、安全和可定制的保险流程。结果：该模型采用基于qv的决策和动态定价方法，根据集体偏好定制个性化保险计划。区块链增强了信任和系统可靠性，而QV的纳入则促进了包容性和公平性。结论：通过将区块链的分散架构与QV相结合，提出的系统克服了传统保险的局限性，提供了一种可扩展、高效和公平的替代方案，使个人偏好与社会健康目标保持一致。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Health Informatics Journal HEALTH CARE SCIENCES & SERVICES-MEDICAL INFORMATICS

CiteScore

7.80

自引率

6.70%

发文量

审稿时长

6 months

期刊介绍： Health Informatics Journal is an international peer-reviewed journal. All papers submitted to Health Informatics Journal are subject to peer review by members of a carefully appointed editorial board. The journal operates a conventional single-blind reviewing policy in which the reviewer’s name is always concealed from the submitting author.