Hodges' Model: Welcome to the QUAD: insurance

Hodges' model is a conceptual framework to support reflection and critical thinking. Situated, the model can help integrate all disciplines (academic and professional). Amid news items, are posts that illustrate the scope and application of the model. A bibliography and A4 template are provided in the sidebar. Welcome to the QUAD ...

Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Thursday, November 13, 2025

Sunday, August 04, 2019

Pandemic Bonds: Beware perverse incentives and instruments?

individual - self
|
INTERPERSONAL : SCIENCES
humanistic ----------------------------------------------- mechanistic
SOCIOLOGY : POLITICAL
|
group- population



Geography
Number of Countries
Number of fatalities
Instruments: Legal, Science, Social, Policy, Financial ... ?


"On Wednesday [24 July], the World bank said it  would give $300m in grants and loans to DRC to step up its aid response.

But funding connected to the World Bank's pandemic bonds, issued in 2017 have been less forthcoming. One relatively small slice - the so-called "cash" element - has delivered $31.4m to help with the crisis."

Ebola's latest resurgence in central Africa has led to more than 1,700 fatalities. But for the insurance element of the bonds to pay out, the disease must cross an international border and there must be at least 20 fatalities in the second country.

The total possible insurance payout for Ebola is $150m and comes in three tranches: when 250, 750 and 2,500 people have died across at least two countries, $45m, $45m and $60m, respectively, will be disbursed."


Pandemic Bonds

World Bank:
Pandemic Emergency Financing Facility

DRC - Rwanda border


My source: Asgari, N. (2019) World Bank pandemic bonds spark Ebola anger, FT Weekend, 27-28 July, p.17.

Photograph - adapted from original by The Independent.

Wednesday, October 17, 2018

"One-size-fits-all" Assurance of Insurance needed?

individual
|
INTERPERSONAL : SCIENCES
humanistic ----------------------------------------------- mechanistic
SOCIOLOGY : POLITICAL
|
group
mental health problems affect

Self-employed, single
No previous history of MH problems
PURPOSE#
Psychology - Counselling
12.5 million adults - 1 in 4

PROCESSES (automated?)*

'Life cover'
Insurer access to GP record - deemed high-risk
500,000 people affected by

Untimely death of a parent
Mother killed by drug-using driver
Refused IVF treatment
PRACTICE

insurance company
POLICIES
driver jailed
Voided application for life cover
(figures) suggest insurers reject up to 625,000 people a year
By law ins. companies cannot discriminate

*Need to discuss an application with a person, fill in 'gaps' then less likely to become subjected to an algorithm and an automated rejection.

# What were the reasons for referral to psychology and counselling?

My source:
Miller, L. (2018) My fight to get life cover after mental health trauma, The Daily Telegraph, Money, 22 September, pp.1-2.

See also: https://www.telegraph.co.uk/insurance/life/get-life-insurance-mental-health-problem/

Technology can, will and is helping to 'disrupt' the insurance market.

Sunday, December 10, 2017

EHR Individual - Group: Aggregator

People probably look at Hodges' model and see something that is simplistic. There is a great power, however, in the scenarios that the structure of Hodges' model can readily encompass. Not just in the hospital, but across all care contexts.

"Where is the great value promised by the transition to EHR [Electronic Health Record]? Where is the huge surplus from all those lives saved? Without an actor who can find it, and deploy it to shift the doctors into surplus, nothing will happen. 
If the ecosystem* includes just the five traditional players, EHR will remain an academic dream. The answer, then, requires introducing a new player - an aggregator. Because the odds of mistakes are so low, the benefits of EHR are invisible to the individual patient. They become material only when we aggregate outcomes over a large enough number of patients. We need to find an actor whose surplus is affected by patients not as individuals but as a group, and who is able to both capture and distribute this benefit; insurers, health-care systems, and governments all fit the bill. And the larger the group, the larger the surplus." p.130.

*The ecosystem illustrated by Adner is simplified and includes:
Payer/ Insurer, IT Provider, Hospital Administration, Hospital Department, Doctor, Nurse, Patient
(I have added Nurse)

Adner, R. (2012). The Wide Lens: A New Strategy for Innovation. London: Portfolio/Penguin.

Sunday, February 08, 2015

Navigating health and models: c/o HSJ


individual
INTERPERSONAL : SCIENCES
humanistic ------------------------------------------- mechanistic
SOCIOLOGY : POLITICAL
group
Geisinger's Proven Health Navigator
communicate and share decision making
 patient - person focus
patient access to records
birthday cards, follow up
benefits, outcomes
purposes of integration
population management
data gathered and applied
preventive medicine
referral reduction to hospitals
early intervention
case management of complex and chronic diseases
a "medical neighbourhood" offering care in the most appropriate setting -
community care
health promotion
culture change1
Geisinger Health Systems (not for profit)
health insurance, budgets
care commissioning
values based reimbursement system
accountable, leadership
culture change2


My source:
Moore A. (2014) Show you can navigate integration, Health Service Journal, 28 November: 124, 6425, pp. 20-23.

"A wise person once explained to me that delivering integrated care successfully was 
"more sociological than technical"".
 Prof. Chris Ham, On 'bilingual' clinical leaders. p.22.

Thursday, August 13, 2009

Memo to America's Right


Please do not treat the UK's NHS as a
political football and yes I mean 'football'
(there's enough of that o'er here without
you sticking your ten cents worth in!).

Do not underestimate the -
knowledge, skills, creativity and dedication -
of NHS staff, or how it is perceived, valued and loved by the People.

Yes, the NHS is not without its faults (it is also true we are not all Angels), but amid the signs of wear, the aged splinters -

we do not forget the middle,
the constant called change,
or the challenges that beckon in the 21st century.

Image source: Allproducts.com
Additional links:

BBC News Bloggers debate British healthcare

New York Times 2008 Paying Patients Test British Health Care System