Electronic health records to be rolled out in private health insurance

Media Information, 13.06.2018

The private health insurers DKV, Central and SIGNAL IDUNA will start offering their policyholders electronic health records (EHR) based on the EHR solution developed by IBM Germany.

For several years, Germans with private health insurance have been able to submit their medical bills to their insurance company electronically with the aid of mobile applications. DKV, SIGNAL IDUNA and Central were amongst the first insurers to offer their policyholders this option. Now, these companies have decided to take yet another step forward and intend to offer policyholders personal electronic health records later this year.

The primary purpose of EHR is to provide a secure, lifelong record of the policyholder’s health data and documents. The data is stored anonymously and in a securely encrypted format by IBM in Germany. For individual applications, such as emergency medical information, the data can also be securely stored in encrypted form on the individual’s mobile device (offline capability).

The more digital data the person stores in their EHR, the easier it is to provide health services based on their individual data. "We want to offer our policyholders with both full and supplementary insurance a personal digital health manager to help them manage their health securely, interoperably and comprehensively across all their health care providers”, said Dr Clemens Muth, CEO of DKV health insurance in the ERGO Group, explaining the objective of the EHR scheme. “Setting up and standardising digital process chains between service providers, patients and health insurers in the German health care system is the key to success.”

The EHR includes basic services for policyholders, such as immunisation recommendations based on digital immunisation data. It will also provide check-up recommendations, management options for digital emergency information and the analysis of medication schedules. A digital search function for physicians, online appointments features, digital anamnesis sheets and a range of services to facilitate digital communications between doctors and patients are to be added at a later point.

“The EHR is a health platform that will enable us to offer our customers a wide range of value-added professional services with a great reach and exceptional benefits”, stated Dr. Mirko Tillmann, Chief Executive Officer of the Central health insurance company. “Presently, our customers have so much data that they are either not aware of or cannot adequately understand or use. This will all change fundamentally with the EHR, allowing policyholders to pick the health services that are relevant to their specific needs and offering our customers completely new options to actively shape their health concerns and focuses.”

Another crucial aspect for private health insurers is that customers with mandatory health insurance plus supplementary private policies can use the EHR easily and across different systems. In future, Techniker Krankenkasse, which is poised to launch the EHR as part of its TK-Safe service, intends to collaborate closely with the Envivas health insurance company.

Dr. Bierth, Chairman of health insurer SIGNAL IDUNA, additionally emphasised: “For us, the existing network between the IBM’s EHR health platform and healthcare service providers such as hospitals, doctors’ surgeries, laboratories, care facilities and billing centres is an important starting point and key success factor for our customers’ service experience. We want to use this network to strengthen the secure exchange of digital data and documents in both directions – from service provider to policyholder, and from policyholder to service provider. We are convinced that this will give our policyholders access to better, more meaningful information, and at the same time it ensures that the physician treating the patient has access to that person’s past health records if the policyholder authorises him or her to do so.”

The use of EHR and its value-added services is entirely voluntary for policyholders, who are at all times entitled to decide who has access to these records and how they are used.

At DKV, Central and SIGNAL IDUNA the EHR will be embedded in each insurance company’s health app, which many policyholders already regularly use to file claims and submit medical bills. Customers will continue to have access to this function, and the policyholder’s historical medical data can also be uploaded from the insurance company’s IT systems to the customer’s EHR. “For us it important not to start with empty records, so we will be giving each policyholder the option of electing to have information from their private health insurance file uploaded to their electronic records, allowing them to experience these value-added services and qualified analytics right from the very start”, said Ronald Fritz, Partner at IBM for EHR and Heath Platforms.

IBM's health platform is an open service platform on which standardised health and networking services from IBM, health insurance companies and services from start-ups and solution providers in the health industry can be developed and provided.

“We are developing a powerful, secure electronic health record application for our policyholders which is based on German and international standards”, said Dr. Clemens Muth. “In IBM Germany, we have a highly respected and responsible partner in the German insurance and healthcare market. Our two companies have collaborated for many years and we have implemented many successful projects for digital and mobile solutions.

For further information, please contact:

Ronny Winkler

Media Relations

Tel +49 211 477-3012

About DKV

For over 90 years, the DKV has been a pioneer in the industry with needs-orientated and innovative products. The health specialist provides comprehensive health and nursing care insurance coverage, as well as health care services to customers in private and state health insurance, and organises high-quality medical care. In 2017, the company recorded a premium income of 4.85 billion euros.
DKV is the health insurance specialist of the ERGO Group and thus part of Munich Re, one of the world's leading reinsurers and risk carriers. More at www.dkv.com  


This press release contains forward-looking statements that are based on current assumptions and forecasts of the management of DKV Deutsche Krankenversicherung. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forwardlooking statements or to conform them to future events or developments.

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