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Let's Stop Fighting the Last War

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ITL On Demand

 ITL On Demand is a webinar program focused on important opportunities for innovation in risk management and insurance. Moderated by ITL Editor-in-Chief Paul Carroll, the webinars draw on experts from across the industry, from promising startups to the largest incumbents. Hot-button topics include blockchain, AI, telematics and IoT — and their potential to slash costs while opening new markets for companies across the insurance ecosystem.

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ITL Focus: Life & Health

This Month's Focus Topic 

life and health focus

When I decided a decade ago that my work on innovation should zero in on insurance, I was struck by how many lines overlapped, especially concerning our health. There was health insurance in its many forms – employer-provided, individual and government-provided as the main piece but also the numerous supplemental lines, such as long-term disability. There was also a major healthcare component to workers' comp, to auto insurance and, in a way, to life insurance, given that carriers have clear incentives to help policyholders stay alive as long as possible.

I thought a long-term goal for insurance could be – should be? – a Health for Me approach. I just want to stay as healthy as I can and have access to care when I need it. I don't care what's happening behind the scenes to provide me that sort of coverage but figure the setup is more efficient for all of us if fewer entities and policies/contracts are involved.

 

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