Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Healthcare Claims Data for Dynamic Insurance
In this episode, Lucas and Luna explore how fintechs are using real-time healthcare claims data to create dynamic health insurance policies. They dive into a specific example: a startup that adjusts premiums monthly based on a policyholder's actual medical spending, rather than annual risk pools. Lucas explains the data flow—from claims adjudication to premium recalculation—and discusses the regulatory and privacy challenges. Luna raises the question of fairness, and they debate whether this model benefits healthier members at the expense of those with chronic conditions. They also touch…
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