Benefits of AI in Healthcare Policy Insurance
An ethical dilemma refers to a problem relative to decision making process between two possible solutions, neither of which is absolutely acceptable from an ethical perspective the following report will highlight as well as discuss about ethical considerations relative to designing artificial intelligence’s in order to provide necessary assistance to health insurer in their decision making. The concept of artificial intelligence has allowed in attaining necessary support in providing helped in enhancing operational levels along with efficiency which helps in increasing the sales and providing services.
The overall concept of AI can effectively reason theory its ability to perceive as well as process natural kind of language. Moreover, the concept of AI helps individuals to communicate in an effective manner as it consider to be in trend in the modern-era as it allows various benefits through digitization associates with economy and communities. This allows AI to be an optimal tools in the growth of healthcare industry. Although there are various aspects that need to be considers when introducing AI into the medical care along with tis management as the concept is in its initial stages. Although the less popular relative to the options are bases on the utilization of smart level of technology which will help empower many health insurers. In addition to this, the implementation of AI in the healthcare policy industry will reduce the national level of experience in claiming of heath insure through AI. Given below are some benefits of AI in healthcare policy insurance:
- Improved revenue:The utilization of AI in the healthcare policy insurance industry will help in providing the level of revenue as it will help in reducing the number of human errors in filing insurance claims. In addition to this, it will also help in increasing sales through acquired customer data.
- Enhance advices: The use of AI in the healthcare industry is will be advice to provide better advice to the customers as well as organization in selecting a suitable policy of insurance.
- Improve operational levels: The concept of AI in the healthcare industry will allow it to improve its overall ability to enhance it operational levels in a structured as well as systematic manner. This will help in improving the perfaronce of the industry.
- Reduce time: The use of AI in the healthcare industry will provide the benefits of reducing time relative to understanding insurance policies along with processing time which will help in improving the perfaronce of the industry and tis various departments.
- Reduced expenses: The use of AI in the healthcare industry will help in decreasing the overall manpower required which help in saving will overhead cost especially related to the day-to-day jobs.
- Enhance productivity: The utilization of AI will help in enhancing the productivity of the healthcare industry in an optimal manner as it will help in improving day to day operations of the workforce. In addition to this, the AI will help in answering the various questions of the insurers and will provide the ability to access data and process it in a structured manner tin order to eliminate any form of elements that will decrease the ability of the industry.
- Improve customer experience: The concept of AI will helps in enhancing the experience of customers by elements such as speech identifications as well as virtual help which will help the insures to attain a better experience. In addition to this, the AI will helps customers attain contextual as well as customized goods and answers that will help in improving experience of the customers in an optimal manner (Vidgen, Hindle and Randolph, 2020).
Although the concept of AI provide various benefits to the industry as well as individuals through its ability to improve higher level of efficiency as well as effectiveness. In addition to this, the concept of AI helps in reducing overhead cost and helps provide the healthcare essential support. On the contrary, the use of AI in the healthcare industry has its own ethical issues which need to be evaluated in order to understand that if the concept should be instilled within the industry and be made mandatory in order to avail all the benefits it provides or to evaluate its negative ethical aspects. In order to analyses this ethical dilemmas various ethical theories can be used in order to understand the situation in an optimal manner. Given below are various ethical theories:
- Utilitarian Ethics: This ethical theory is based on doing the greatest good for the greatest number in individuals as possible in order to provide them essential support and fulfill their requirements. In context to the application of AI in the healthcare policy industry, the dilemma is based on although the personal, organization as well as clients will be able to attain high level of support form the impletion of AI in the healthcare industry but will require attaining vital as well as personal data (O’Neil and Gunn, 2020). This can be discouraging as well as develop ethical issues on how the healthcare industry will use the data and how it can be used against personals, organization as well as clients. This can negatively impact the interest of such stakeholder in a major manner which can be a hindrance in implementation. The negative point of this ethical theories is that the decision makers are forced to guess the outcomes for their choices along with its inability to always develop possible outcomes of a decision.
- Deontological Ethics: This particular theory of ethics is based on the ideas that the peoples should be treated in an optimal manner along with dignity as well as respect. In context to the application of AI in the healthcare policy industry, the dilemma in utilizing the AI in the healthcare industry will result in reduced jobs for individuals which can be ethical wrong as they will not be treated with respects and will lose their jobs. This will impacts personal along with organization losing their workforce along with clients as if they make the choice of using AI rather than industry with day-to-day job it would result in reduced job positions (Floridi & et. al. 2018). The con for this particular ethical theory is bases on various disagreements about principles that are involved in decision making. In addition to this, it can develop conflicts in duties. Although it is a suitable ethical theory in applying public relations ethics.
- Virtue Ethics: This theory is based on considering what virtues help in making a good public relations professionals. In context to the application of AI in the healthcare policy industry, the use of AI in the healthcare industry developed the ethical dilemma based on its considering things to do relative for personals , organization as well as the clients relative to professional roles in the industry. It has been made clear that the use of AI in the industry will recue the number of jobs available due to its ability to provide higher level of perfaronce as well productivity. This developed the conflict in decision making relative to various stakeholders if the use of AI is really necessary and understand what virtues will be affected through their decisions and how it will impact their overall interest. Although this ethical theory misses the important obligation to clients and the publics along with the possibility of an conflict in virtues.
In order to overcome ethical dilemmas it is crucial to develop a framework that consist of a decision making process that will help in overcoming ethical issues in an optimal manner. Given below are convincing resolution to ethical dilemmas based on the use of AI in the healthcare industry:
- Identify the Problem: The ethical dilemmas that is developed need to be identifying which are reduced job as well as the use of personal data of personals, organization as well as clients which can be used against them by the industry. In order to overcome this situation it is important that a framework is developed that will observe how the data is collected as well as stored and how it will be used in the future in order to provide assurance to all the stakeholders (Dawson & et. al. 2019). This will help in overcoming the issues of ethical dilemmas based on securing data.
- Generating Alternatives: In order to overcome the ethical dilemma of workers losing their job needs to be consider and to overcome this issues there is the need to develop new alternatives which will help in establishing balance with the use of AI in the healthcare industry. This will help in reducing the negative impact of AI in the health care industry as well as provide some form of ease to the various stakeholder in taking decisions that will not only help the industry but the individual that work in it as well.
Course of Actions: In order to overcome the various dilemmas based on the use of AI in the healthcare industry especially in for insurance policy it is crucial various course of actions are developed in order to ensure that all the actions are structured as well as systemic in nature (Canca, 2020).
- This will help in the overall decision making process which is essential to overcome ethical dilemmas in an optimal manner. This will be highly beneficial to all the stakeholders and provide them the essential support in while taking decision based on the pros as well as cons of using AI in the healthcare policy insurance industry.
Conclusion
From the above report it has been concluded that, heath insurance as well as the workforce should utilizes AI in an optimal manner as it has the ability to amplify productivity along with perfaronce of the healthcare industry. The ability of the AI in the healthcare industry is based on consistent learning from customer data which can be unclear and consist of ethical dilemmas are also instilled with it. Although the benefits of the concept are more relative to the ethical aspects as it helps in evaluating the data and provide better equipped answers which will reduce the complexity of work through appropriate steps.
References
Books & Journals:
Canca, C. (2020) Computing ethics: operationalizing AI ethics principles, Communications of theACM, vol. 63, no. 12, pp. 18-21. https://dx.doi.org.ezproxy-b.deakin.edu.au/10.1145/3430368
Dawson, D. Schleiger, E., Horton, J., McLaughlin, J., Robinson, C., Quezada, G., Scowcroft, J. andHajkowicz, S. (2019) Artificial intelligence: Australia’s ethics framework. Data61 CSIRO, Australia.
https://data61.csiro.au/en/Our-Research/Our-Work/AI-Framework
Floridi, L. et al. (2018) AI4People—an ethical framework for a good AI society: opportunities, risks,principles, and recommendations, Mind and Machines, vol. 28, pp. 689-707.
https://dx.doi.org.ezproxy-b.deakin.edu.au/10.1007/s11023-018-9482-5
O’Neil, C. and Gunn, H. (2020) Near-term artificial intelligence and the ethical matrix. In: Liao, S.M.(Ed.) Ethics of Artificial Intelligence, Oxford University Press, London, pp. 237-270.
https://oxford-universitypressscholarship-com.ezproxy-f.deakin.edu.au/view/10.1093/oso/9780190905033.001.0001/oso-9780190905033-chapter-9
Vidgen, R., Hindle, G. and Randolph, I. (2020) Exploring the ethical implications of business analyticswith a business ethics canvas, European Journal of Operational Research, vol. 281, pp. 491-501.
https://dx.doi.org.ezproxy-b.deakin.edu.au/10.1016/j.ejor.2019.04.036
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