Diseño y modelo de negocio de un seguro médico personalizado en la ciudad de Cuenca

Abstract

Abstract: Health insurance allows access to health services in the private sector without causing significant economic outlays that destabilize the economy of people or their families. Health products on the market are based on a model where the price depends on coverage, age, and whether it is individual or family. This model has opportunities for improvement, which has led to the development of an approach that considers the specific needs and purchasing power of people. Having an environment that allows a close knowledge of people's health needs helps to develop insurance that meets these needs and guarantees the stability of the product. The proposal analyzes pre-existing health conditions and the demand for services or products. The proposal presented fulfills the purpose of social welfare by making health services available to people from an institution with a position and prestige in the city of Cuenca, minimizing health complications due to lack of diagnosis and/or treatment of a medical pathology.