Transforming student health insurance with blockchain: a systematic review of efficiency, access, and implementation barriers.

IF 3.1 4区医学 Q3 HEALTH POLICY & SERVICES

Cost Effectiveness and Resource Allocation Pub Date : 2026-05-19 DOI:10.1186/s12962-026-00772-7

Alaka O Chandak, Parth Chandak, Navin Soni, Anushree Soni

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引用次数: 0

Abstract

Objective: To systematically review studies examining blockchain-powered architecture, smart contract, operational efficiency, data governance, and challenges to implementation within the context of student and university health insurance networks.

Methods: According to the PRISMA 2020 guidelines, Scopus, Web of Science, and PubMed databases were searched for articles published from January 2019 to December 2025. The searches yielded 957 records from the databases and an additional 12 records via citation searches. Of the remaining 478 articles, 18 studies were selected based on their relevance to the topic. The heterogeneous design, blockchain architecture, control groups, and outcomes precluded the use of meta-analysis.

Results: The domains covered in the included studies were student health records, claims processing automation, EHR interoperability, fraud detection and transparency, and implementation challenges. The use of blockchain technology was associated with an improvement in terms of automation of the claims process, document provenance, privacy-preserving data access control, fraud detection, and administrative efficiency. However, the quantitative findings were inconsistent and should be considered operational descriptions and not pooled results or cost-effectiveness findings.

Conclusion: There is preliminary evidence that blockchain may help students and universities with their health insurance programs, but further pilot testing, longitudinal research, cost-benefit analysis, and equitable governance are needed prior to widespread application.

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用b区块链改造学生健康保险：对效率、获取和实施障碍的系统审查。

目的：系统地回顾研究区块链驱动的架构、智能合约、运营效率、数据治理以及在学生和大学健康保险网络背景下实施的挑战。方法：根据PRISMA 2020指南，检索Scopus、Web of Science和PubMed数据库，检索2019年1月至2025年12月发表的文章。这些检索从数据库中获得了957条记录，另外通过引文检索获得了12条记录。在剩下的478篇文章中，根据与主题的相关性选择了18篇研究。异质性设计、区块链结构、对照组和结果排除了meta分析的使用。结果：所纳入的研究涵盖的领域包括学生健康记录、索赔处理自动化、EHR互操作性、欺诈检测和透明度以及实施挑战。区块链技术的使用与索赔流程自动化、文档来源、保护隐私的数据访问控制、欺诈检测和管理效率方面的改进有关。但是，数量调查结果不一致，应视为业务说明，而不是综合结果或成本效益调查结果。结论：初步证据表明区块链可以帮助学生和大学进行健康保险计划，但在广泛应用之前，还需要进一步的试点测试、纵向研究、成本效益分析和公平治理。

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

Cost Effectiveness and Resource Allocation HEALTH POLICY & SERVICES-

CiteScore

3.40

自引率

4.30%

发文量

审稿时长

34 weeks

期刊介绍： Cost Effectiveness and Resource Allocation is an Open Access, peer-reviewed, online journal that considers manuscripts on all aspects of cost-effectiveness analysis, including conceptual or methodological work, economic evaluations, and policy analysis related to resource allocation at a national or international level. Cost Effectiveness and Resource Allocation is aimed at health economists, health services researchers, and policy-makers with an interest in enhancing the flow and transfer of knowledge relating to efficiency in the health sector. Manuscripts are encouraged from researchers based in low- and middle-income countries, with a view to increasing the international economic evidence base for health.