Digital Innovation In European Health Insurance: Trends And Developments – Getting your digital health app prescribed by an HCP is something most digital health app vendors want. Three countries in Europe with more than 149 million citizens with public health insurance make it possible. See how it works in Germany, Belgium and France.
An EU-wide initiative to allow HCPs to prescribe digital health apps would provide the reimbursement route as a market entry strategy for many digital health solution providers seeking to have their DTx solution reimbursed by statutory health insurance. R2G’s “Where’s the money in digital health? The roadmap for digital health app reimbursement in Europe. explains that Germany, Belgium and France are the DTx reimbursement process leaders who have a standardized reimbursement process in place or will be launched soon. Currently, the German DiGA directory consists of 28 apps while 34 health apps are present over M1 and M2 levels of the mHealth validation pyramid in Belgium. However, the digital health innovation makers should be aware of the differences between the reimbursement processes in different countries. These differences can be attributed to country-specific regulatory authorities in the EU.
Digital Innovation In European Health Insurance: Trends And Developments
The German DiGA Fast Track process starts with the CE certified app that meets two criteria; first, a number of general requirements including data protection, information security, interoperability, and ease of use. Second, the solution must demonstrate evidence of positive care effects by improving the user’s health. The app that is able to meet both criteria is listed in the DiGA directory after an assessment by BfARM within 3 months. Alternatively, a solution can be preliminarily listed as DiGA if it only meets the security and functionality requirements. In this situation, the manufacturer will have a period of 12 months to prove the positive health effects of the solution, after which it will be listed on DiGA. Finally, reimbursement price negotiations are carried out by the GKV.
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On the other hand, the Belgian mHealth pyramid has 3 levels that evaluate a CE certified app based on risk, interoperability and clinical evidence. A manufacturer registers the mobile app with the Federal Agency for Medicines and Health Products (FAMHP), while CE marking and GDPR compliance are checked. The apps that meet the basic criteria of level 1 are approved as M2, where they are not only subjected to risk assessment for data security, medical confidentiality, but also interoperability and connectivity assessment, which ensure the exchange of data between all healthcare companies. The apps that reach the M3 level should provide clinical evidence and added socio-economic value, after which they will be reimbursed by the National Institute for Health and Disability Insurance (NIHDI).
Currently, the standard market access path for medical devices is also applied to digital health applications in France, making individual financing possible for DTx solutions. A more standardized, DiGA replica is expected to be launched in 2022, but from now on the CE marked health apps will first be submitted to the CNEDIMT (Medical Devices and Health Technology Evaluation Committee) and the HAS Committee of Medical-Technical and Current Medical Advantage (SA ) subject to. ) assessment in the opinion phase, after which they enter the decision phase. The apps must then provide clinical evidence assessing actual medical and clinical benefit, based on which the SA of the solution is categorized as important, moderate or low. After negotiation of the digital therapeutic price with the social security fund Caisse Primaire d’Assurance Maladie (CPAM), the solution categorized as important will receive 65% reimbursement followed by 30% reimbursement for medium SA and 15% reimbursement for a solution that is low SA has .
While these reimbursement channels in “leader” countries are a defining moment for digital health innovation; these alone cannot determine whether a solution is successful, although they provide both a reimbursement model and a stamp of quality. Entering is just the beginning. Companies need to think ahead and plan for what comes after listing, including formulating a distribution strategy, app pricing strategy as well as concepts for training and educating HCPs.
Please see also take a look at R2G “Where is the money in digital health? The roadmap for the reimbursement of the digital health app in Europe. to understand more about the 4 groups of EU countries based on the reimbursement process status of the public health insurance System.We use cookies to help personalize content, tailor and measure ads, and provide a safer experience. By navigating the site, you agree to the use of cookies to collect information on the website. By accepting our cookie policy, you allow You allow us to collect and use your information on third party platforms.
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The insurance sector is under pressure as consumers shift their spending to meet new technological frontiers. At the same time, insurTech startups are making it easier than ever for customers to find and buy insurance products online.
We are seeing rapid adoption of remote signing and customer service technologies, tools for digital collaboration, and new innovative digital products.
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In the past, insurance companies used IT as a way to reduce costs. Now it’s all about how technology can help organizations improve growth and customer engagement.
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One of the most pronounced trends within the normalization of low-code / no-code development in enterprise IT. While in the SMB segment, no-code tools have become the new norm, enterprises have, for the most part, continued to rely on traditional development projects driven by internal resources or external integrators.
However, this is now changing as vendors begin to offer mature, enterprise-grade no-code tools that focus on security and compliance. So enterprises can now offload some of the development burden to line-of-business users, while keeping government in control.
Such tools owe their growing popularity to the fact that they solve some burning issues facing IT teams. No-code tools strengthen overstretched internal resources, reduce backlogs and improve productivity.
The crucial quality that makes no code tools extremely attractive is accelerated time to new digital applications and products compared to traditional development projects. With no-code tools, insurers can now deliver better apps at a faster rate, improve customer experience and improve overall service quality.
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An Application Programming Interface (API) is a set of rules that govern how one piece of software interacts with another. In recent years, there has been a proliferation of APIs as companies seek to open up their data and functionality to third-party developers.
In the insurance industry, APIs are used to enable the development of new digital products and services. For example, some insurers use APIs to provide real-time quotes to customers, while others use them to power chatbots and other digital customer service tools.
APIs (Application Programming Interfaces) will continue to grow in popularity and use as the need for digital integration increases. Many traditional businesses are now looking to open up their data and systems to third-party developers to create new digital experiences and business models.
This trend is driven by the need for agility and faster time to market as well as the desire to tap into new revenue streams. In the insurance industry, we are seeing a growing number of insurers launching APIs to enable third-party developers to build new apps and services on top of their core systems.
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Going forward, we expect to see more insurers using APIs as they look to capitalize on the growing demand for insurance products delivered through digital channels.
It might sound a little scary, but “headless tech” is pretty harmless and has been with us for a while.
The most famous example of headless technology can be found in website development. Traditional websites have a back-end and a front-end as well as a graphical user interface.
In a way, headless tech is a complementary trend that goes hand in hand with no-code tools for developing customer-facing front ends. Insurers can now separate their front-end presentation layer from their back-end data functionality to create personalized digital experiences.
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In insurance, this is especially important because backends are bogged down with legacy technology issues that make them largely incompatible with the modern front-end experiences customers expect.
By separating customer-facing front-ends and back-end processes, while ensuring that data flows freely between the two is another trend we will see in the near future. Our prediction is that we will see more insurance products and applications that adopt the same principle.
According to Mordor Intelligence, the hybrid cloud market is expected to reach $128.01 billion by 2025, at a CAGR of 18.73% over the forecast period 2020 – 2025.
Organizations are increasingly adopting the hybrid cloud as they aim to take advantage of the benefits of both cloud and public clouds.
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Hybrid cloud architectures improve speed and flexibility by allowing organizations to go back and forth between their own tools and the cloud providers’ toolkits.
As digital channels continue to proliferate, the volume of customer data being generated is increasing at an exponential rate. This presents both a challenge and an opportunity for insurers.
On the one hand, insurers must find ways to effectively manage and store this ever-growing volume of data.
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