通过区块链支持的保险模式为孤儿药融资

Lok Sang Ho, Tianle Zhang, Tony Kwok, K. P. Wat, Francisco T. T. Lai, Spencer Li
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引用次数: 1

摘要

罕见病的治疗费用是出了名的高,对全球医疗保健系统构成了威胁。现有的以市场为基础的治疗孤儿药的工具并不是为了降低药价而设计的,而且可能受到逆向选择的阻碍。我们提出了另一种保险机制,大规模团体保险(MGI),其目的是通过MGI机构向制药公司提供单独的知识产权(IPR)费用来降低孤儿药的价格,该机构将向每个国家收取每个国家希望其所有公民都能获得的每种孤儿药的保险费。保费的计算将确保制药公司获得的利润不低于传统模式下的利润。该计划采用团体保险概念,将导致吸毒人数大幅增加。使用区块链技术,方便认证和有效的知识产权支付,确保数据安全和低管理成本。这种模式有可能扩展到其他类别的昂贵药物和疫苗。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financing Orphan Drugs Through a Blockchain-Supported Insurance Model
The cost of treatment for rare diseases is notoriously high imposing threats to the global healthcare system. Existing market-based tools for orphan drugs are not designed to reduce drug prices and could be hampered by adverse selection. We propose an alternative insurance mechanism, Massive Group Insurance (MGI), which aims at reducing the prices of orphan drugs through offering separate Intellectual Property Right (IPR) Fees to the drug company from an MGI Agency, which will collect insurance premiums from each country on each orphan drug that the country wants all its citizens to enjoy access to. The premiums will be calculated so as to ensure that the drug company will collect a profit no smaller than what it enjoys under the traditional model. The plan uses the group insurance concept and will generate a significant increase in drug use. Blockchain technology is used to facilitate authentication and effective IPR payments and ensure data security and low administrative cost. This model can potentially be extended to other categories of expensive drugs and vaccines.
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