보건의료데이터의 활용과 정보보호에 관한 연구

The revision of the Data 3 Act has increased the possibility of using healthcare data by insurance companies more than ever, but it is not properly utilized due to realistic constraints. This is basically due to the government and the medical community looking negatively at the insurance industry and not trusting the insurance company. In other words, if the government provides the patient’s health and medical data to the insurance company, it is highly likely that the insurance company will abuse it for the purpose of infringing on consumer rights through refusal of insurance contract or restriction of insurance payment. However, in the case of pseudonym information or anonymous information, it is very unlikely that the insurance company will exploit the pseudonym medical information for the purpose of refusing to insure or restriction of insurance payment. Rather, if the patient’s healthcare data is integrated into an insurance company on a large scale, it will be possible to develop more diverse and sophisticated insurance products and to conduct efficient marketing activities. Furthermore, it can have a very positive impact on the creation of new business opportunities such as the healthcare industry and insurTech industry, etc. In major developed countries such as Europe, the United States, and Japan, private insurance companies are receiving healthcare data and using it in various fields. However, in Korea, there is a somewhat negative view on providing health care data to insurance companies. The failure to provide patient health care data only to insurance companies is inconsistent with the global trend, against equity compared to other industries and it does not fit the purpose of the revised Data 3 Act. The insurance company shall establish a joint consultative body with the government, the National Health Insurance Service and the Health Insurance Review and Assessment Service, etc. and prepare a plan to resolve distrust about the possibility of misuse of data.