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Historically, the health insurance domain has adhered to uniform premium pricing structures, often sidelining the distinct health nuances of each policyholder. Such broad-brush approaches can result in misaligned premiums, not truly reflective of individual health dynamics. Venturing into uncharted territories, this study proposes an innovative fusion of Federated Machine Learning (FML) and BlockChain methodologies to recalibrate health insurance pricing. FML, a cutting-edge evolution in the machine learning sphere, emphasizes decentralized data processing. By harnessing FML, timely insights can be gathered that mirror an individual’s health trajectory. This continuous insight generation facilitates agile adjustments to insurance premiums, ensuring they resonate with real-time health conditions. BlockChain’s decentralized ledger system acts as the bedrock of this model. Each premium modification, steered by FML-derived insights, is indelibly etched onto the BlockChain. This architecture not only masters transparency but also instills a heightened sense of trust, given the unalterable nature of BlockChain entries.

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Empowering Health Insurance with Personalization: A Comprehensive Architecture Leveraging Federated Learning and BlockChain

  • 会议论文

  • 发表日期：

    2025年

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  • Anant Jain,
  • Gauranshi Gupta,
  • Rahul Johari,
  • Deo Prakash Vidyarthi

摘要

Historically, the health insurance domain has adhered to uniform premium pricing structures, often sidelining the distinct health nuances of each policyholder. Such broad-brush approaches can result in misaligned premiums, not truly reflective of individual health dynamics. Venturing into uncharted territories, this study proposes an innovative fusion of Federated Machine Learning (FML) and BlockChain methodologies to recalibrate health insurance pricing. FML, a cutting-edge evolution in the machine learning sphere, emphasizes decentralized data processing. By harnessing FML, timely insights can be gathered that mirror an individual’s health trajectory. This continuous insight generation facilitates agile adjustments to insurance premiums, ensuring they resonate with real-time health conditions. BlockChain’s decentralized ledger system acts as the bedrock of this model. Each premium modification, steered by FML-derived insights, is indelibly etched onto the BlockChain. This architecture not only masters transparency but also instills a heightened sense of trust, given the unalterable nature of BlockChain entries.