2023-07-04-联合国环境署-健康是我们最大的财富_人寿和健康保险公司如何推动更好的健康结果并解决保护缺口（英）_58页_1mb

Health is Our Greatest Wealth: Addressing Protection Gaps and Preventative Healthcare

Background

Life & health insurers play a critical role in promoting sustainable development by addressing the health insurance protection gap and supporting preventative healthcare. The global protection gap widened during the COVID-19 pandemic, driven by increased out-of-pocket healthcare costs and reduced accessibility, particularly affecting vulnerable populations. A preventative healthcare model can reduce healthcare needs and costs, aligning with UN Sustainable Development Goals.

Key Pillars for Insurers

1. Close the Protection Gap
   Expand insurance access for underserved groups (e.g., low-income individuals, women) through affordable, tailored products. Promote fair underwriting and inclusive distribution models.

2. Promote Preventative Healthcare
   Support vaccination programs, digital health platforms (e.g., telemedicine), and wellness initiatives to incentivize healthy behaviors and early interventions.

3. Leverage Technology and Data
   Use AI, wearable devices, and data analytics to personalize prevention strategies, optimize pricing, and enhance customer engagement while ensuring ethical practices.

4. Collaborate with Stakeholders
   Partner with governments, healthcare providers, communities, and NGOs to address systemic barriers and scale up preventative efforts.

Environmental, Social, and Governance (ESG) Considerations

Insurers address ESG risks by integrating health-related themes into their operations:

• Health Capability & Awareness: Improve access to education and services for marginalized groups.
• Lifestyle & Behavior Change: Use rewards and incentives to promote healthier choices.
• Healthy Ageing & Environment: Develop products for aging populations and integrate environmental sustainability into coverage.
• Antimicrobial Resistance: Advocate for global policies and support stewardship programs.

Four-Point Plan for Life & Health Insurers

1. Expand affordable and suitable insurance coverage.
2. Engage policyholders and stakeholders through preventative measures.
3. Leverage technology and ethical data use.
4. Collaborate with policymakers, communities, and healthcare providers.

The insurance industry has a pivotal role in driving better health outcomes and fostering sustainable development through innovative strategies and partnerships.