Digital Disruption in Health Insurance: Toward Global Sustainability and Universal Coverage

In the context of a global imperative toward sustainable healthcare solutions by 2030, the health insurance sector stands at a critical juncture, undergoing a profound transformation driven by the convergence of eco-health and digital health. The COVID-19 pandemic has underscored the importance of affordable and comprehensive health insurance in safeguarding both health and financial security, particularly during unforeseen crises. Across the globe, disruptive digital health technologies are reshaping the modus operandi of health insurance providers, revolutionizing processes from policy underwriting to claims management. These technologies encompass digital health platforms, telemedicine, wearable health devices, remote monitoring systems, and predictive artificial intelligence models enabling highly personalized health insurance solutions tailored to individual needs and preferences.This research explores the transformative potential of disruptive technologies within the global health insurance landscape, examining their alignment with national and international healthcare initiatives. The study concludes that emerging technologies are fundamentally redefining how health insurance operates worldwide, influencing healthcare accessibility and outcomes on a global scale. To harness these advancements effectively, nations must collaborate, establish robust regulatory frameworks, and foster innovation paving the way toward equitable, efficient, and sustainable healthcare for all.