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 became simpler to use and had more functions. Additionally, the electronic devices were getting smaller and cheaper. 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. In 2012, the invention of an inflatable sterile operation room balloon, dramatically changed health care between 2012 and 2015. Ordinary living rooms can now be turned into operation rooms in less than one hour. Therefore, almost 50% of the basic operations can be done at the private home of the patient. The patient is given home care and recovery of is monitored through telemonitoring.

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

Because the DNA profile and family history of every patient is known from before the birth and because the on-line condition monitor provides continuous real-time information on the health of a patient, continuous care can be given to a patient. More than in the early days patients are not “patients” in the definition of in 2009. They are healthy human beings operated upon before they get ill; preventing a life-threatening situation. Health is made personal.

Because costs of health care were not payable anymore, health insurance companies eagerly followed and initiated the development of the DNA data bank and availability of the on-line personal health information (PHI). Because the costs vary so much between patients to be the former collectivity system is abandoned. This process was speeded up by the marketing techniques of health insurance companies. Due to the strict privacy agreements personal health information, 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. This reduced the cost substantially, despite abandoning our loved Dutch solidarity system.