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		<title>Machine Learning in Claims Processing</title>
		<link>https://innohealthmagazine.com/2019/innovation/machine-learning-in-claims-processing/</link>
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		<pubDate>Wed, 30 Oct 2019 07:57:09 +0000</pubDate>
				<category><![CDATA[Innovation]]></category>
		<category><![CDATA[application lifecycle]]></category>
		<category><![CDATA[Claims neurology]]></category>
		<category><![CDATA[contra indications]]></category>
		<category><![CDATA[development lifecycle]]></category>
		<category><![CDATA[disease states]]></category>
		<category><![CDATA[documentation quality]]></category>
		<category><![CDATA[drug and device industry]]></category>
		<category><![CDATA[drug utilization review]]></category>
		<category><![CDATA[effective therapies]]></category>
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		<category><![CDATA[gene therapy]]></category>
		<category><![CDATA[GxWave]]></category>
		<category><![CDATA[healthcare challenge]]></category>
		<category><![CDATA[Healthcare cost]]></category>
		<category><![CDATA[Healthcare IT]]></category>
		<category><![CDATA[HIV]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[LSTM]]></category>
		<category><![CDATA[Machine Learning]]></category>
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		<category><![CDATA[pharmaceutical transactions]]></category>
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		<category><![CDATA[pharmacy benefit managers]]></category>
		<category><![CDATA[PrEP treatment]]></category>
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					<description><![CDATA[<p>Here is the opportunity for Machine Learning Solutions – in US, by and large, most pharmaceutical transactions are captured electronically as claims.</p>
<p>The post <a href="https://innohealthmagazine.com/2019/innovation/machine-learning-in-claims-processing/">Machine Learning in Claims Processing</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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	<p><strong>Challenge</strong></p>
<p style="text-align: justify !important;">Healthcare costs across the world have soared over the past decades at a rate at which, where United States spends more on healthcare than the national budget of half of the countries in the world. A big chunk of those expenses relate to pharmaceutical products.</p>
<p><a href="https://innohealthmagazine.comexpert-opinion/ai-iot-healthcare-need-future/"><em><strong>AI and IoT in Healthcare: Need of Future</strong></em></a><br />
<strong>Opportunity</strong></p>
<p style="text-align: justify !important;">Here is the opportunity for Machine Learning Solutions – in US, by and large, most pharmaceutical transactions are captured electronically as claims. These claims, and the way they are processed, cover a myriad scope of information including patient demographics, disease states, drug utilization review, formularies, coverage and utilization review, contra-indications, etc. This information can be used for a number of reasons – better pricingof drugs based on their utilization and volume, better prediction of diseases and therapeutic journeys where we can guess over time which drugs a patient will require, and a more interactive engagement of the patient using virtual “friends” to guide them through their therapy and ensure compliance, adherence and better outcomes.</p>
<p><a href="https://innohealthmagazine.comtheme/iot-can-truly-transform-rural-healthcare-india/"><em><strong>IoT can truly Transform Rural Healthcare in India</strong></em></a></p>
<p style="text-align: justify !important;">Over the past several years, solutions have been operationalized working with payors, PBMs on cost and efficacy predictions for new therapies for HIV (PrEP treatment) and Hemophilia (Gene Therapy). Another application is successfully helping Pharmacy Benefit Managers predict their most efficient drug pricing for patients who are not covered with insurance, cost efficiencies for seasonal and style drugs to name a few. GxWave™ leverages LSTM algorithm (Long Short-Term Memory) in predicting price efficiencies, claim volumes, call center call volumes, and average margins.</p>
<p><strong>Approach</strong></p>
<p style="text-align: justify !important;">Solutions such as GalaxE’s GxWave™ platform with solutions such as Claims Neurology described below, utilizes their proprietary technology to extract business rules from adjudication systems and then use prior claims data to predict various “edits” or applicable rules such as prior authorization (where the use of a specific drug requires express approval from the physician) or adjustments and accumulators so that across their therapy, the price they pay is properly adjusted for the full range of medicines and medical services the patient consumes. These pathways for the adjudication of a claim are then trained on neural nets that learn the time based, formulary based, disease and therapy-based trends.</p>
<p><em><strong><a href="https://innohealthmagazine.comcybersecurity/ai-cybersecurity-digital-healthcare/">AI and Cybersecurity in Digital Healthcare</a></strong></em></p>
<p style="text-align: justify !important;">The trained nets are then used to predict and project the therapeutic journey of a patient, or the volume and timeframe for the consumption of specific therapy in a given market.</p>
<p style="text-align: justify !important;">With all the consolidations of drug &amp; device industries in play, their efficiency has to be at the highest point in order to drive patient costs lower. GxWave™ is helping these entities with improving efficiency. With a combined data set comprising elements of documentation across the development lifecycle of an application with governing procedures and its intended use, natural language processing techniques can derive information from previously unexplored data sets that can be analyzed to ensure compliance to regulations, adherence to organization policies and procedures and alignment with the documented intended use of the system. Healthcare IT consists of diverse applications with multiple critical integrations at various levels where regulatory impact can be ambiguous and could be left unassessed. A change in the landscape has to be simultaneously assessed for regulatory and risk impacts (includes business, security and privacy risks) without delays ensuring all impacts are being planned for before the change is implemented.</p>
<p><em><strong><a href="https://innohealthmagazine.comnewscope/healthcare-market-builds-foundation-artificial-intelligence/">Healthcare IT market builds the foundation of Artificial Intelligence</a></strong></em><br />
<strong>Advantages</strong><br />
A number of advantages have surfaced with these solutions:<br />
1. Immediate re-categorization or inspection of current non-regulated applications that could potentially be regulated due to change in feature/functionality.<br />
2. Expose deficiencies within the system that could lead to a potential replacement for not being able to satisfy customer and regulatory requirements.<br />
3. Allow for continual monitoring instead of the traditional approach of conducting periodic reviews.<br />
4. Improve software documentation quality across the application lifecycle.</p>
<p style="text-align: justify !important;">This is just the beginning. We expect that solutions like GxWave™ will utilize data from genomics, patient profiles, therapy histories and help generate the most medically and economically rational and effective therapies for patients in the very near future!</p>
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	<h2>About the authors</h2>
<p style="text-align: justify !important;"><em><strong>Sandipan Gangopadhyay</strong></em> is the President and COO of GalaxE and plays a key role in GalaxE&#8217;s continued worldwide expansion and operational success Prior to this, Mr. Gangopadhyay spent over a decade in high profile roles in both Pharmaceutical and Information Technology companies around the globe and instrumental in setting up one of India&#8217;s first private Software Technology Parks. He has a Bachelor&#8217;s degree in Computer Engineering from Bombay University, is a member of the Indian Institute of Chemical Engineers, and is certified in the Governance of Enterprise IT.</p>
<p style="text-align: justify !important;"><strong><em>Dheeraj Misra</em></strong> is the Chief Technical Officer and Senior Executive Vice President of GalaxE and has over 15 years of experience in the design, development, testing, porting and maintenance of application and system software for the healthcare industry. Prior to this, he spent a number of years in high profile roles at HCL Technologies, Context Integration, Eforce Global, and as a Research Specialist in Parallel Processing. He has a B.E. in Computer Engineering from REC, Allahabad.</p>
<p style="text-align: justify;"><strong>Vijayaraj Chakravarthy</strong>, Senior Vice President of Delivery and Head of Strategic Business Unit, is a member of the GalaxE’s executive leadership team, responsible for organization growth and innovation through predictive analytics platform aiming to discover new cost reduction opportunities in the Healthcare ecosystem of the United States. He serves as a subject matter expert on various AI/ML-based platforms and frameworks. He is passionate about solving industry problems with automation methods and agile execution. His leadership style focuses on developing a positive environment, teamwork, passionate culture, and an entrepreneurial mindset. He has B.E in Electrical and Electronics from PSG College of Technology, India. He enjoys spending time with his family. He has a green thumb to nurture organic gardens. He likes to do tech-inspired research projects for Kids.</p>
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<p>The post <a href="https://innohealthmagazine.com/2019/innovation/machine-learning-in-claims-processing/">Machine Learning in Claims Processing</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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		<title>How Crucial is DISHA Act for Healthcare Industry?</title>
		<link>https://innohealthmagazine.com/2018/others/policy/disha-act-for-healthcare-industry/</link>
					<comments>https://innohealthmagazine.com/2018/others/policy/disha-act-for-healthcare-industry/#respond</comments>
		
		<dc:creator><![CDATA[InnoHEALTH Magazine]]></dc:creator>
		<pubDate>Mon, 17 Dec 2018 08:56:22 +0000</pubDate>
				<category><![CDATA[Policy]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[Clinical Establishment Act Standards]]></category>
		<category><![CDATA[CRUD]]></category>
		<category><![CDATA[Data]]></category>
		<category><![CDATA[data breach]]></category>
		<category><![CDATA[data privacy]]></category>
		<category><![CDATA[data safe]]></category>
		<category><![CDATA[database]]></category>
		<category><![CDATA[decrypt]]></category>
		<category><![CDATA[digital gealth]]></category>
		<category><![CDATA[digital health record]]></category>
		<category><![CDATA[Digital Information Security]]></category>
		<category><![CDATA[disasters]]></category>
		<category><![CDATA[DISHA]]></category>
		<category><![CDATA[Disha act]]></category>
		<category><![CDATA[Electronic Health Record]]></category>
		<category><![CDATA[emergencies]]></category>
		<category><![CDATA[encrypt]]></category>
		<category><![CDATA[epidemics]]></category>
		<category><![CDATA[financing]]></category>
		<category><![CDATA[health information]]></category>
		<category><![CDATA[healthcare data]]></category>
		<category><![CDATA[healthcare IT company]]></category>
		<category><![CDATA[IBM report]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Ministry of health and family welfare]]></category>
		<category><![CDATA[national programmes]]></category>
		<category><![CDATA[notifiable diseases]]></category>
		<category><![CDATA[pathlabs]]></category>
		<category><![CDATA[public stakeholder]]></category>
		<category><![CDATA[security]]></category>
		<category><![CDATA[Software]]></category>
		<category><![CDATA[Stakeholder]]></category>
		<category><![CDATA[Statistics]]></category>
		<category><![CDATA[Storage]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[Threat]]></category>
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					<description><![CDATA[<p>The question we need to ask ourselves is that Why DISHA is the need of the hour? Why we need to safeguard the electronic health record in hospitals?</p>
<p>The post <a href="https://innohealthmagazine.com/2018/others/policy/disha-act-for-healthcare-industry/">How Crucial is DISHA Act for Healthcare Industry?</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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	<p style="text-align: justify !important;">&#8220;A journey of a thousand miles begins with a single step.&#8221; <strong><a href="https://innohealthmagazine.cominnovatiocuris/disha-act/">The Digital Information Security in Healthcare Act (&#8216;DISHA&#8217;)</a></strong> is that firm first step taken by the Indian Government in the long journey to secure the healthcare data of patients in India. The question we need to ask ourselves is that Why DISHA is the need of the hour? Why do we need to safeguard the electronic health record in hospitals?</p>
<p style="text-align: justify !important;">The draft of the act was made public in November 2017 by Ministry of Health and Family Welfare. The word ‘Disha’ means direction, the GoI has taken the first step in the direction of safeguarding the digital health record. For this <a href="http://www.innovatiocuris.com">InnovatioCuris</a> has also taken the first step towards having a concrete discussion about ‘Challenges in the implementation and opportunities for making health sector DISHA and data protection ready’. There were panelists from various renowned government, private hospitals, and healthcare IT firms.</p>
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	<p style="text-align: justify !important;">The first session was about the ‘Challenges in the implementation of DISHA’. The panelists were happy that InnovatioCuris has taken an initiative to critically discuss the challenges a hospital will face once the act becomes the law. All the panelists agreed that the act lacks various aspects. Few concerns that bother the clinicians are, that who will give the consent if the patient is unconscious.</p>
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	<p style="text-align: justify !important;">The ambulances have the capability that it sends the health records from the ambulance to hospital before the patient reaches the hospital for doctors to study the emergency cases. In this scenario, what should be done if a patient denies the consent for sharing the data at a later stage? Should the clinical establishments discard the already shared health record or should they handover the same to the owner (in this case, patient) or what should be done. There are no set protocols defined in the act for such cases.</p>
<p style="text-align: justify !important;">A question was put forward, does the patient has the authority to edit their health record, or can they view, who have seen their health record. A healthy discussion took place where we got to know that citizens of Estonia have chip cards, where one can see their health record and can also see the logs of who has accessed their health record. This made us realize, that India as a nation state can use Aadhar card as a mechanism, where we can log in into a portal and get to see health records.</p>
<p style="text-align: justify !important;">The third challenge that came forward was interoperability of health records. As the record lies with the custodian, not the patient, editing and viewing of it can be done by the clinical establishments. The health record can be shared by the clinical establishments to another, but there is no standard on how to transfer it. Data integrity is a point of concern, which is not mentioned in the act.</p>
<p style="text-align: justify !important;">One of the challenges that came into light was according to ‘Clinical Establishment Act Standards for Hospital<strong><a href="http://clinicalestablishments.gov.in/WriteReadData/147.pdf" target="_blank" rel="noopener noreferrer">[2]</a></strong>’ the hospital has to keep health information and statistics in respect of national programmes, notifiable diseases, and emergencies/disasters/epidemics and furnish the same to the district authorities in the prescribed formats and frequency. The question is what if the patient does not give consent. The proposed act should have a provision where the clinical establishments are liable to take the health data.</p>
<p style="text-align: justify !important;">As we have unstructured healthcare facilities in India, the act should also empower the clinical establishments by various means to keep the data safe. As of now the DISHA is a proposed act, not a law and has lots of loopholes. It also lacks in many aspects discussed earlier. This is just a start and the government should take necessary steps to improve it.</p>
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	<p style="text-align: justify !important;">The second panel discussed on ‘Opportunities for making health sector DISHA and data protection ready’. The panelist consisted of CIO of path labs, owners of healthcare IT firms, who shared relevant thoughts and comments. The panel started the discussion on why do we need the act and what are the benefits of the act. Panelist were grateful to the government to bring the act. They told that the clinical establishments will take steps to increase the safety of the health record.</p>
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	<p style="text-align: justify !important;">The gaps in the technology for generation, storage and transmission will be lowered down. Sectors such as banking, financing and insurance have structured their data, but this lacks in healthcare. Detailed scope of security features are missing from the act, this would help the companies to design the software from the ground up by using security as an important consideration.</p>
<p style="text-align: justify !important;">The imminent threat is in the software which are already in place and have not been patched or the system has not been upgraded. The good news is that many have an audit trail in built in their system, which track any CRUD(creation, read, update, delete) of the records. The discussion contributed a fruitful thought: Data at rest is not encrypted. The question that arises is what is preventing the healthcare IT companies to encrypt the data at rest.</p>
<p style="text-align: justify !important;">One of the challenge in the DISHA is that, the owner of the data must be informed of any breach of the privacy or confidentiality of their digital health record within three days. But according to IBM report it takes on an average of 197 days to detect a breach<strong>[1]</strong>. How can the Healthcare IT companies safeguard the health record and let the owner know about the breach. The solution is to encrypt the tables in the database, but that might hamper the performance.</p>
<p style="text-align: justify !important;">It is a huge opportunity for the stakeholder to bring standards in the act. DISHA might have only completed its first round of comments from the public and stakeholders, it can be expected that the revisions made based on the feedback will churn out a more refined version of the act. In any case, it is evident from the draft that the government has really pushed to provide additional security, privacy and confidentiality for individuals, with respect to their digital health record.</p>
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<p>The post <a href="https://innohealthmagazine.com/2018/others/policy/disha-act-for-healthcare-industry/">How Crucial is DISHA Act for Healthcare Industry?</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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		<title>Innovations for Hospitals</title>
		<link>https://innohealthmagazine.com/2018/innohealth-conference/innovations-for-hospitals-2/</link>
					<comments>https://innohealthmagazine.com/2018/innohealth-conference/innovations-for-hospitals-2/#respond</comments>
		
		<dc:creator><![CDATA[InnoHEALTH Magazine]]></dc:creator>
		<pubDate>Mon, 12 Nov 2018 08:24:56 +0000</pubDate>
				<category><![CDATA[InnoHEALTH Conference]]></category>
		<category><![CDATA[Big Data]]></category>
		<category><![CDATA[Clinical Logistics]]></category>
		<category><![CDATA[culture of innovation]]></category>
		<category><![CDATA[D2D2P]]></category>
		<category><![CDATA[digital medical records]]></category>
		<category><![CDATA[Dr. Chandy Abraham]]></category>
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		<category><![CDATA[Innovations for hospitals]]></category>
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		<category><![CDATA[Kah Yee]]></category>
		<category><![CDATA[long term strategic goals]]></category>
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		<category><![CDATA[Shangai hospital]]></category>
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					<description><![CDATA[<p>The discussion was introduced by a brief presentation on healthcare delivery focusing in particular on Innovations for hospitals. Dr.Vijay Agarwal </p>
<p>The post <a href="https://innohealthmagazine.com/2018/innohealth-conference/innovations-for-hospitals-2/">Innovations for Hospitals</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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	<p style="text-align: justify !important;">This session was structured as a panel discussion. Chris Lloyd, Senior healthcare advisor &#8211;<strong><a href="https://www.ibm.com/watson-health" target="_blank" rel="noopener noreferrer">IBM Watson health</a></strong>, UK addressed with his keynote. The session was moderated by Dr. Vijay Agarwal, President &#8211; CAHO, India. Other panelists included</p>
<p>1. Dr. Chandy Abraham, CEO, Healthcare Project, <strong><a href="https://www.itcportal.com/">ITC Limited</a></strong>, India<br />
2. Kah Yee, Chairman of <strong><a href="http://www.ucrest.net/">Ucrest Group</a></strong>, Malaysia<br />
3. Amarjeet Singh, Director- Key Accounts &amp; Projects, <strong><a href="https://www.getinge.com">Getinge Group</a></strong>, India</p>
<p style="text-align: justify !important;">The discussion was introduced by a brief presentation on healthcare delivery focusing in particular on <strong><a href="https://innohealthmagazine.cominnohealth-conference/innaugral-innohealth-2018/">Innovations for hospitals</a></strong>. Dr.Vijay Agarwal Facilitated the discussion, inviting panelists to reflect on different aspects of innovations.</p>
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	<p style="text-align: justify !important;">Dr. Vijay Agarwal started the discussion with emphasizing the need to know why one is innovating before innovating something. He said one should ask oneself that why is he/her innovating. He was concerned with the WHO rankings, where India is at 112 and countries like Bangladesh, Cuba are ahead of our country in providing healthcare, which is an alarming situation and time to think where are we lagging in. He stressed on scaling up innovations in India. As the need for providing the root level population with healthcare delivery is more important than innovating new things and suggested ways to contribute to achieving it.</p>
<p style="text-align: justify !important;">Chris Lloyd presented his keynote by firstly Encouraging the platform of InnoHEALTH where all kinds of people from various fields of expertise, influential and innovative people are present. Stressed on a significant problem of diabetics. In their country, they spend 2/5th of the budget on people above 65. Need to bridge the gap between resources and patient needs. Looked into Singapore master plan in healthcare as the target model as it’s the second most rapidly aging country. It takes a Rubik&#8217;s cube approach to change the care dynamic. Compared and showcased opportunities in conventional medicine vs telemedicine.</p>
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	<p style="text-align: justify !important;">Chandy Abraham shared his thoughts of Innovation starting from new ways, design thinking models allow for innovation from root level emphasized on patient outcomes. Insisted on getting as many as people in this pool to get new ideas. Spoke on how hospitals should create a culture of innovation.</p>
<p>&#8220;Innovations starts by seeing with new eyes” &#8211; Dr.Chandy</p>
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	<p style="text-align: justify !important;">Provision of providing time to explore and experiments, resources for trials and prototypes and aligning innovation with long term strategic goals should be encouraged. Emphasised on overcoming the hindrances by design thinking method, setting up innovation centre.</p>
<p style="text-align: justify !important;">“Most innovative companies don’t do one thing focussed on innovation, they create an integrated system of activities that all reinforce each other to shape culture. They eliminate the feeling of risk altogether and replace it with an environment focussed on collaboration and learning”.</p>
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	<p style="text-align: justify !important;"><strong>Kah Yee</strong> presented his startup &#8211; <strong><a href="http://www.ucrest.net/">Ucrest</a></strong>, concept of virtual Hospital. Discussed revolutionary changes and healthcare opportunities, opportunities for IoT and wearables. The challenges of Big Data in EMR which were collection continuous personal <strong><a href="https://innohealthmagazine.cominnovatiocuris/digital-india-healthy-india/">digital medical records</a></strong>, No hospitals/Clinics has aggregated continuous digital medical records of a patient. The opportunities from these challenges would be data Collection of accurate and useful data, analytics of big data for <strong><a href="https://innohealthmagazine.comwell-being/global-insurance/">insurance</a></strong>, pharma, doctors or health authority, preventive medicine and discovery of new medication or treatment methods. Challenges and opportunities in Big Data benefits Pharma and insurance companies.</p>
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	<p style="text-align: justify !important;">Online Medical Consultation can take a new way of consulting by D2D2P i.e. Doctor of Center of Excellence to Doctor to Patient (D2D2P) and explained the concept by showcasing the example of a Shangai hospital which is currently practising such method of online medical consultation. “when things go online ,it will go cheaper” &#8211; Kah Yee. He then embraced online Healthcare &amp; technologies.</p>
<p style="text-align: justify !important;">He concluded by making strong recommendations on gathering information and data that would establish undiscovered links and mentioned the takeaways from his presentation as</p>
<ul>
<li>Revolutionary changes are here: Online Healthcare, IOT/Wearables, Blockchain, AI, etc. are fast growing</li>
<li>New business models, new opportunities for all stakeholders of the industry</li>
<li>Pharma retail stores will reduce</li>
<li>Doctors, pharma &amp; insurance will move towards value-based system</li>
<li>Regulatory changes</li>
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	<p style="text-align: justify !important;"><strong>Amarjeet Singh Tak</strong>, The value we offer to our customers &#8211; Superior clinical outcomes at affordable costs by improving; Clinical outcomes and reducing the length of stay; Efficiency and minimizing Hospital Acquired Infections. He addressed with the today&#8217;s challenges in hospitals by jotting them down as:</p>
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	<p style="text-align: justify !important;">1. Hospitals are wasting money on excess administrative costs and ineffective way of care delivery.</p>
<p style="text-align: justify !important;">2. Hospital Communications: Latest information available on one point only. And that becomes Stress for coordinators as the central point of information</p>
<p style="text-align: justify !important;"><strong>Solution from Getinge:</strong> INSIGHT Clinical Logistics: The Interactive Way Consistent and timely care with clear communication throughout the patient journey can lead to increased efficiencies and better outcomes. INSIGHT Increases patient focus by making relevant real-time treatment and care information readily available on dedicated large screens throughout the hospital.</p>
<p><strong>Q&amp;A session :</strong></p>
<p style="text-align: justify !important;">After the panel discussion, some time was given to comments and queries from the floor. Some of the questions asked by people in the audience are given below.</p>
<p style="text-align: justify !important;">What is the optimum size of the hospital (cost wise): 2000 bed in London but statistics say that no much productivity, 500 can be optimum.</p>
<p style="text-align: justify !important;">Virtual hospitals or clinical trial FDA approval is a trouble: No such system for clinical trials yet.</p>
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<p>The post <a href="https://innohealthmagazine.com/2018/innohealth-conference/innovations-for-hospitals-2/">Innovations for Hospitals</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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		<title>Insurance Needs to Go Global</title>
		<link>https://innohealthmagazine.com/2018/well-being/global-insurance/</link>
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		<dc:creator><![CDATA[InnoHEALTH Magazine]]></dc:creator>
		<pubDate>Fri, 11 May 2018 08:54:58 +0000</pubDate>
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		<category><![CDATA[Premiums]]></category>
		<category><![CDATA[S.K. Sethi]]></category>
		<category><![CDATA[Textile industry]]></category>
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					<description><![CDATA[<p>Amid growing awareness for the insurance coverage due to the high cost involved in medical treatment at super specialty hospitals, InnoHEALTH magazine interviewed seasoned player of the insurance discipline Mr. Sethi, Vice President Insurance Foundation of India and sought answers for simple queries by people.</p>
<p>The post <a href="https://innohealthmagazine.com/2018/well-being/global-insurance/">Insurance Needs to Go Global</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p style="text-align: justify !important;">If the textile industry is permitted to get flammability tests done on garments in Hong Kong then why Insurance companies should not permit clinical and pathological tests (not available in India), which are to be conducted in a foreign country? asks S.K Sethi, an Insurance Expert.</p>
<p style="text-align: justify !important;">For a hawk of health insurance business, convolutedness of the insurance cover is not a hard nut to crack but for a gullible buyer, it is not a facile task to comprehend its intricacies. Amid growing awareness for the insurance coverage due to the high cost involved in medical treatment at super speciality hospitals, InnoHEALTH magazine interviewed seasoned player of the insurance discipline Mr Sethi, Vice President <strong>Insurance Foundation of India</strong> and sought answers for simple queries by people.</p>
<p style="text-align: justify !important;"><strong>Mr. Sethi</strong>, who is closely following recently announced National Health Protection scheme by the Union government for ten crore poor people and enthusiastically await roll out of the full scheme, said it would herald a new era in the health sector as the country has pan India facilities to implement the plan, but “ only little bit intelligent planning” is warranted.</p>
<p><em><strong>Also Read:</strong> <a href="https://innohealthmagazine.comwell-being/ten-crore-poor-people-get-health-insurance/">Ten Crore Poor People to Get Health Insurance</a></em></p>
<h3>EXCERPTS ABOUT INSURANCE</h3>
<p><strong><span style="color: #0071b2;">How is the Health Insurance Premium determines?</span></strong></p>
<p style="text-align: justify !important;">It depends on the age, sum assured, whether a person to be insured has any pre-existing disease or adverse health conditions. The rates are fixed (approved by <a href="https://www.irdai.gov.in"><strong>IRDA</strong></a>) and are available in the brochure published by the insurance company.</p>
<p><strong><span style="color: #0071b2;">My employer provides me with health insurance coverage. Is it advisable to take another policy on my own?</span></strong></p>
<p style="text-align: justify !important;">If the sum assured is good and the company is doing fine then you should think positive and do not go in for the additional sum. When you plan to leave the organization then you must verify from the new employer whether they have suitable sum assured available for you as part of compensation package. If no health insurance is available, then you must buy Health Insurance immediately so that 30 days cooling off period of the new policy (purchased by you) is matching with last 30 days with your employer. Try to have this health insurance from the same Insurance Company.</p>
<p><span style="color: #0071b2;"><strong>Will the agent be helpful in settling of claims in future?</strong></span></p>
<p style="text-align: justify !important;">Yes, your agent will be helpful. But he is getting 100% of his income from the insurance company and he may be getting .001 % of his income from you. If he has to make a choice, it is natural that he will favour Insurance Company. You are the best person to decide whether to buy directly from the company or through an agent. Theoretically, the agent is supposed to help you in claim settlement, but time will tell when the claim is to be lodged. Be positive and buy it through an agent but better buy through an Insurance Brokerage Firm as it offers a wider choice and is large enough to protect your interests.</p>
<p><span style="color: #0071b2;"><strong>How much should you invest in health insurance?</strong></span></p>
<p style="text-align: justify !important;">You have to invest according to your health the requirements and the resources you have. You can invest by deciding about your budget for health insurance. If your budget is not a constraint, you can invest by deciding about the sum assured and services required by you.</p>
<p><span style="color: #0071b2;"><strong>I might be laid off soon. Should I see my doctor before I lose my insurance?</strong></span></p>
<p style="text-align: justify !important;">No purpose will be served by seeing your doctor. You should consult an Insurance Brokerage Firm and buy a health insurance, the policy which should be issued at least 30 days before your last day in your present company. This protects your interest.</p>
<p><span style="color: #0071b2;"><strong>Will my health insurance coverage Clinical Trials?</strong></span><br />
We feel that if treatment is;<br />
1. Part of hospitalization in a reputed hospital like AIIMS, capable of conducting clinical trials under controlled conditions.<br />
2. Under the supervision of a reputed doctor<br />
3. Medical Council (Ministry of Health) approves clinical trials</p>
<p style="text-align: justify !important;">Then it will be payable. If it does not fulfill these conditions, then you may have difficulty in getting it paid as the issue is around treatment as well as the price of the medicine.</p>
<p><strong><span style="color: #0071b2;">I own a pet and my vet bills are sky-high. Is there such a thing as health insurance for animals</span></strong>?</p>
<p style="text-align: justify !important;">It depends on a pet. But definitely, it is not part of Health Insurance policy which is for human beings only. Cattle Insurance covers cow and buffalo.</p>
<p><strong><span style="color: #0071b2;">Should I pay my premiums through the a</span><span style="color: #0071b2;">gent</span><span style="color: #0071b2;">?</span></strong></p>
<p style="text-align: justify !important;">If he is ready to provide you with the service – yes. It is your duty that cheques should reach the insurance company well in time. Not picking up on the cheques by the agent is no excuse. If your cheque has not reached the insurance company on time, your policy may have a break and you may lose the benefits. You can also pay the premium online.</p>
<p><span style="color: #0071b2;"><strong>I already have a health insurance policy. Should I still buy a life insurance policy with the rid<span style="color: #0071b2;">ers</span>?</strong></span></p>
<p style="text-align: justify !important;">Health Insurance Policy covers your hospitalization needs. Life insurance covers your retirement needs. Adding of critical illness rider will take care of incidence of you getting a critical illness like cancer. Every product is different and fulfills different needs. Study it carefully and make a decision.</p>
<p style="text-align: justify !important;"><span style="color: #0071b2;"><strong>Are the new clinical and pathological tests, not available in India and done abroad covered under the</strong> <strong>mediclaim<span style="color: #0071b2;"> rule</span>s of the country? If no, are efforts being made to do?</strong></span></p>
<p style="text-align: justify !important;">Some insurance companies permit you to take the opinion. Your suggestion is very good, and we feel Insurance companies will start offering the same. If the Textile industry is permitted to get flammability tests done on garments in Hong Kong then why Insurance companies should not permit clinical and pathological tests (not available in India), which are to be conducted in the foreign country.</p>
<p>&nbsp;</p>
<p>The post <a href="https://innohealthmagazine.com/2018/well-being/global-insurance/">Insurance Needs to Go Global</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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		<title>The future of healthcare</title>
		<link>https://innohealthmagazine.com/2018/others/policy/future-of-healthcare/</link>
					<comments>https://innohealthmagazine.com/2018/others/policy/future-of-healthcare/#respond</comments>
		
		<dc:creator><![CDATA[InnoHEALTH Magazine]]></dc:creator>
		<pubDate>Fri, 27 Apr 2018 07:35:04 +0000</pubDate>
				<category><![CDATA[Policy]]></category>
		<category><![CDATA[accuracy]]></category>
		<category><![CDATA[Advancement of technology]]></category>
		<category><![CDATA[Anusha Panduga]]></category>
		<category><![CDATA[Centralized EHR]]></category>
		<category><![CDATA[Challenges]]></category>
		<category><![CDATA[Cloud based healthcare solutions]]></category>
		<category><![CDATA[Cloud Technology]]></category>
		<category><![CDATA[Collaboration]]></category>
		<category><![CDATA[developing nation]]></category>
		<category><![CDATA[Dheeraj Misra]]></category>
		<category><![CDATA[Digital Health]]></category>
		<category><![CDATA[Digitization]]></category>
		<category><![CDATA[false starts]]></category>
		<category><![CDATA[Fostering Innovations]]></category>
		<category><![CDATA[future of healthcare]]></category>
		<category><![CDATA[GalaxE Solutions]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[Geography]]></category>
		<category><![CDATA[Health Centers]]></category>
		<category><![CDATA[healthcare systems]]></category>
		<category><![CDATA[high quality services]]></category>
		<category><![CDATA[Hospitals]]></category>
		<category><![CDATA[hurdles]]></category>
		<category><![CDATA[impediments]]></category>
		<category><![CDATA[Infrastructure]]></category>
		<category><![CDATA[innohealth]]></category>
		<category><![CDATA[InnoHEALTH Magazine]]></category>
		<category><![CDATA[innovatiocuris]]></category>
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		<category><![CDATA[Johnson and johnson]]></category>
		<category><![CDATA[Kaushik Bhattacharya]]></category>
		<category><![CDATA[key research]]></category>
		<category><![CDATA[leapfrog]]></category>
		<category><![CDATA[Medical data]]></category>
		<category><![CDATA[Medical management]]></category>
		<category><![CDATA[New delivery models]]></category>
		<category><![CDATA[Notable healthcare breaches]]></category>
		<category><![CDATA[Patient behaviour]]></category>
		<category><![CDATA[Patient care]]></category>
		<category><![CDATA[pitfalls]]></category>
		<category><![CDATA[quality healthcare]]></category>
		<category><![CDATA[Reliable]]></category>
		<category><![CDATA[Rural and urban healthcare]]></category>
		<category><![CDATA[Rural areas]]></category>
		<category><![CDATA[safe]]></category>
		<category><![CDATA[Sandipan Gangopadhyay]]></category>
		<category><![CDATA[Super Speciality]]></category>
		<category><![CDATA[Super Speciality hospitals]]></category>
		<category><![CDATA[Technology]]></category>
		<category><![CDATA[United States]]></category>
		<category><![CDATA[Utilization of resources]]></category>
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					<description><![CDATA[<p>Digital Health: Giving Birth to New Delivery Models and Fostering Innovations</p>
<p>The post <a href="https://innohealthmagazine.com/2018/others/policy/future-of-healthcare/">The future of healthcare</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
]]></description>
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	<p><strong>Digital Health: Giving Birth to New Delivery Models and Fostering Innovations</strong></p>
<p style="text-align: justify !important;">Imagine a world where patient information is accurate, accessible, reliable, and safe. The opportunities and benefits are endless: availability, accuracy, portability and privacy of patient information, confidence on the information in an emergency, ease in searching and finding patterns, medical and post ops management with proactive reminders influencing patient behavior, and minimizing insurance and substance abuse. In recent times, we have seen tremendous progress in the evolution of cloud technology. Cloud enables easy access to shared configurable technology resources that can be utilized to rapidly create and deploy new services.</p>
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	<p><strong>Followings are the some of the key challenges that remain to improve healthcare:</strong><br />
• Investment – Compared to the other countries, very small % of Indian GDP is spent on developing healthcare which is about 100 times less than the United States.<br />
• Geography – A wide gap remains between rural and urban healthcare. Most of our healthcare resources are concentrated in big cities leaving the rural areas with no or almost no resources to meet the growing healthcare need.<br />
• Infrastructure &#8211; The number of hospitals and health centers in India are far less than what is required. Except for a few super specialty hospitals, most of the hospitals and health centers in India do not have proper infrastructure to provide quality services.</p>
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	<p style="text-align: justify !important;">It makes sense then that in India where there is always a huge gap between demand and availability of quality healthcare that cloud technology can play a huge role. Cloud based technology solutions can be leveraged to provide efficient and high-quality services in healthcare at an affordable price for remote locations with little to no infrastructure. With the advancement of technology, cloud is becoming more and more secured and compliant with regulations. Adopting cloud based technology solutions will all organizations engaged in healthcare to focus more on their core activities and reduce utilization of resources that manage technology.</p>
<p style="text-align: justify !important;">Key research tells us that with digitization of medical data, medical knowledge has increased by 2 times or more in past 3 to 5 years. The way cloud is being adopted more and more by the industry globally and with the growing need for collaboration, flexibility and improved patient care, we can say that cloud will eventually become a commonplace in the industry.</p>
<p style="text-align: justify !important;">As seen in countries that have developed healthcare systems, these capabilities were key in the development of healthcare to a point where no avenue is left unexplored in the strive towards improvement of healthcare for its citizens.</p>
<p style="text-align: justify !important;">While the road to these advances may have been littered with challenges, impediments, false starts and hurdles, technologies today and the lessons learned therein will allow developing nations to avoid such pitfalls and leapfrog their healthcare eco-system into the future!</p>
<p><strong><em>(Contributors: Kausik Bhattacharya, Johnson &amp; Johnson, Sandipan Gangopadhyay, President and COO, Galaxe Solutions. Dheeraj Misra and Anusha Panduga also from Galaxe Solutions.)</em></strong></p>
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	<p>Want to write for InnoHEALTH? send us your article at magazine@innovatiocuris.com</p>
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<strong>Read all the issues of InnoHEALTH magazine:</strong><br />
InnoHEALTH Volume 1 Issue 1 (July to September 2016) – https://goo.gl/iWAwN2<br />
InnoHEALTH Volume 1 Issue 2 (October to December 2016) – https://goo.gl/4GGMJz<br />
InnoHEALTH Volume 2 Issue 1 (January to March 2017) – https://goo.gl/DEyKnw<br />
InnoHEALTH Volume 2 Issue 2 (April to June 2017) – https://goo.gl/Nv3eev<br />
InnoHEALTH Volume 2 Issue 3 (July to September 2017) – https://goo.gl/MCVjd6<br />
InnoHEALTH Volume 2 Issue 4 (October to December 2017) – http://amzn.to/2B2UMLw<br />
InnoHEALTH Volume 3 Issue 1 (January to March 2018) – https://goo.gl/fksdQx<br />
InnoHEALTH Volume 3 Issue 2 (April to June 2018) – https://goo.gl/grbtRo
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<p>The post <a href="https://innohealthmagazine.com/2018/others/policy/future-of-healthcare/">The future of healthcare</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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		<title>RANSOMWARE EPIDEMIC &#8211; WHO IS NEXT?</title>
		<link>https://innohealthmagazine.com/2017/issues/ransomware-epidemic/</link>
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		<dc:creator><![CDATA[InnoHEALTH Magazine]]></dc:creator>
		<pubDate>Fri, 17 Nov 2017 09:59:44 +0000</pubDate>
				<category><![CDATA[Issues]]></category>
		<category><![CDATA[Barnaby Jack]]></category>
		<category><![CDATA[Cardiovascular]]></category>
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		<category><![CDATA[Centre for Cyber Safety and Education]]></category>
		<category><![CDATA[Clinic]]></category>
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		<category><![CDATA[Cost effective]]></category>
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					<description><![CDATA[<p>By Nimisha Singh Verma</p>
<p>The post <a href="https://innohealthmagazine.com/2017/issues/ransomware-epidemic/">RANSOMWARE EPIDEMIC &#8211; WHO IS NEXT?</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
]]></description>
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	<p style="text-align: justify !important;"><span style="color: #0071b2;"><strong>Nimisha Singh Verma</strong></span> is Healthcare IT consultant. She brings with her experience of various esteemed healthcare organizations Optum, Religare Technologies and tertiary care hospitals. Authored chapter on Indovation in Innovations in Healthcare Management: Cost Effective and Sustainable Solutions book published in US.</p>
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	<h5 style="text-align: justify !important;">Ransomware epidemic is spreading in healthcare like wildfire due to its increasing digitalization which is and will attract more attention of hackers.</h5>
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	<p style="text-align: justify !important;">The healthcare industry has been a victim of various cyber attacks in the last few years. According to recent studies, healthcare has outnumbered financial services and become the most cyber attacked industry. The latest in cyber-attack is ransomware wherein the hacker encrypts the data and threatens to publish it until the ransom is paid in form of bitcoins. In US alone, healthcare industry was the victim of 88 per cent of all ransomware attacks across industries last year.</p>
<p style="text-align: justify !important;">The recent case of WannaCry ransomware crippled the IT systems of NHS, UK. And after hitting NHS, it spread globally targeting more than 99 nations. The hackers demanded payment of £300 &#8211; £600 to unlock systems and have earned about £55,000 in ransom.</p>
<p style="text-align: justify !important;">Ransomware has indeed become a lucrative revenue source for hackers due to which the number of attacks is predicted to quadruple by 2020. Medical records have 10-20 times more value than the credit card data in the internet black market. Ransomware epidemic is spreading in healthcare like wildfire due to its increasing digitalization which is and will attract more attention of hackers. Also, the vulnerability of the health data tends the organizations to pay the ransom to get the data back to maintain privacy and confidentiality of patient data.</p>
<p style="text-align: justify !important;">Even after so many cases of cyber attacks compromising millions of electronic health records each year, the healthcare industry is inadequately prepared to prevent and resolve these attacks. Whether it is India or US, cyber security is always discussed in forums and budget is allocated for the same but is not put to proper use. Cyber attacks happen due to outdated security infrastructure or employee negligence.</p>
<p style="text-align: justify !important;">Hospitals and insurance companies have been the main targets of hackers. But, a new vulnerability is catching everyone’s attention i.e. medical devices. The next nightmare in ransomware attacks could be hacking of medical devices such as insulin pumps, pacemakers, defibrillators, implants etc.</p>
<p style="text-align: justify !important;">Disfunctioning of medical devices can be catastrophic. Just imagine, hackers take control of one’s pacemaker and ask for ransom or else they would manipulate the device which could be fatal. This kind of attack has been showcased in the very famous TV show Homeland wherein the Vice President dies due to hackers remotely disable his pacemaker.</p>
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	<p style="text-align: justify !important;">Just like the serial, the former US Vice President Dick Cheney’s doctors disabled his pacemaker’s wireless functionality due to fear of possible assassination attempts as revealed by him during an interview in 2013. This clearly showcases that medical devices can be the next target for hackers.</p>
<p style="text-align: justify !important;">Regulators such as FDA are increasingly getting concerned about medical device security and have issued warning. In 2015, for the first time FDA issued safety notice to hospitals which strongly discouraged hospitals to use an infusion pump which was found to be vulnerable to cyber attacks. But it has been observed that FDA did not force the company to fix the devices being used in the hospitals and didn’t investigate other insulin pump models. This shows that FDA needs to be more stringent towards medical device security. The vulnerability of infusion pump was pointed out by a white hat hacker Billy Rios during his hospital stay.</p>
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	<p style="text-align: justify !important;">Few of the medical device companies/providers have been proactive in strengthening their device security such as Johnson &amp; Johnson in Oct 2016 warned 114,000 diabetic patients about a security lax that a hacker could exploit in one of its insulin pumps (J&amp;J Animas OneTouch Ping). The hackers can disable or alter the dosage which could be fatal. J&amp;J suggested ways to the patients for mitigating risk.</p>
<p style="text-align: justify !important;">There have been no documented cases of medical device hacking till date but demonstrations have been conducted in research environment. One such example is of Barnaby Jack who succeeded in hacking an insulin pump and demonstrated giving off lethal dose of insulin without the pump alerting the user. Another example is that of St Jude Medical’s implantable devices such as pacemakers, defibrillators, and resynchronization devices. The radio frequency (RF) enabled St. Jude medical implantable cardiac device and corresponding Merlin@home Transmitter enables transmitting and receiving patient data stored on the device to the physician to monitor his health. But FDA reviewed the device and confirmed about cybersecurity vulnerabilities, if exploited, could be fatal.</p>
<p style="text-align: justify !important;">Also, researchers at TrapX Security analysed three hospitals for medical device hacking. The deception technology was installed which utilized emulated medical devices in the hospitals. These emulated devices attract and trap hackers so that TrapX could trace the hackers activity. These fake medical devices such as Radiation Oncology system, LINAC , Fluoroscopy, PACS and Xray system appeared real to the hackers and TrapX could monitor hacker’s activity.</p>
<p style="text-align: justify !important;">According to TrapX, these hospitals utilized older version of Windows that made it vulnerable and most medical devices did not have additional endpoint security software which made the attack undetectable. It was also noticed that the main goal of hackers was to steal medical records not to manipulate the device.</p>
<p style="text-align: justify !important;">Another research at University of South Alabama showcased how they hacked pacemaker and killed a medical simulator called iStan. The $100,000 medical dummy comes equipped with robotics that mimic the human cardiovascular, respiratory, and neurological systems. The researchers could speed the heart rate up or could slow it down. Not only pacemaker, researchers could manipulate an insulin pump or a number of things that would cause life-threatening injuries or death. This clearly illustrates why medical device security is important.</p>
<p style="text-align: justify !important;">With the advent of IoT, where devices are connected via internet should focus on cyber security. Industrial experts are realizing that cyber security is prime priority for all the devices connected to the internet.</p>
<p style="text-align: justify !important;">Devices such as wearables, smart bed, smart emergency system, etc. are all lagging behind in cyber security. Apart from medical devices, surgical robots are not being scrutinized for cyber security. Just imagine, surgical robots been hacked which could lead to life threatening situation of the patient. One such demonstration has been showcased by researchers at University of Washington in 2015. They hacked a tele-operated surgical robot, Raven II. The experiment demonstrated three types of attacks that made telesurgery vulnerable with this robot. The researchers demonstrated how they took complete control over the robot and disrupted the operation.</p>
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	<p style="text-align: justify !important;">All of this sounds scary but it can be prevented if we are well prepared. It is important to understand that not only regulators like FDA need not address the challenge of cyber security but also the medical device vendors and providers should take shared responsibility. It has been observed that providers point the device manufacturers to be accountable for cyber security for responding to vulnerabilities and providing fixes for the same.</p>
<p style="text-align: justify !important;">On the other hand, the device vendors hold providers responsible for their negligence and having outdated network  protection. To be safe from such attacks, organisations should review their cyber defence strategies and budget. Also, employee training and awareness needs to be tackled to avoid falling for opening phishing mails and change passwords regularly.</p>
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	<p style="text-align: justify !important;">It has also been observed that providers such as middle scale hospitals, clinics or laboratories have often overlooked cyber security as priority as they believe not much data is present with them and only the big organisations are in trouble. Which is not true, as hackers are aware of the precious financial and patient data these clinics hold and are aiming at clinics or small hospitals also to get the data. So, they should also focus on medical device security.</p>
<p style="text-align: justify !important;">The next big thing in helping fight against cybersecurity is artificial intelligence (AI). According to some analysts, the advantage of using AI is it can help predict cyber attack before it happens with the use of behaviour analysis. It alerts security team on any behaviour deviation or authentication failures while accessing records. AI not only helps in detecting threats quickly but it is also cost efficient compared to the money paid by companies in ransom. It does not replace security tools but acts as an additional layer of security. AI can also help in analysing employee behaviour for avoiding any internal security breach. AI can help in bridging the shortage of skilled cyber security professionals also. According to Centre for Cyber Safety and Education, there is a shortfall of 1.8 million cyber security professionals by 2022 worldwide. Companies such as IBM are already investing in AI system Watson for cyber security.</p>
<p style="text-align: justify !important;">Also start-ups such as Cognetyx are providing cognitive cyber surveillance solution to healthcare organizations. Use of AI for cyber security in other areas has been showcased, for example, the Las Vegas city officials and UK government to monitor their Public Services Network and protect their records from security threats. Whereas, the successful implementation of AI in healthcare cyber security is yet to happen.</p>
<p style="text-align: justify !important;">The next wave of medical device cyber attacks can be prevented by collaborative approach and commitment from all the stakeholders. Not only the healthcare organizations should make sure their security practices and strategies are updated but the government should also help in skill development of cyber security professionals and encourage more research on medical device security by providing medical device at low cost. Since medical devices are expensive and require license, it makes it difficult for researchers to explore this area. At the end, we should not forget that we have to stay a step ahead of hackers to be a hard target for them.</p>
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	<p><strong>Read all the issues of InnoHEALTH magazine:</strong><br />
InnoHEALTH Volume 1 Issue 1 (July to September 2016) – <a href="https://goo.gl/iWAwN2">https://goo.gl/iWAwN2 </a><br />
InnoHEALTH Volume 1 Issue 2 (October to December 2016) – <a href="https://goo.gl/4GGMJz">https://goo.gl/4GGMJz </a><br />
InnoHEALTH Volume 2 Issue 1 (January to March 2017) – <a href="https://goo.gl/DEyKnw">https://goo.gl/DEyKnw </a><br />
InnoHEALTH Volume 2 Issue 2 (April to June 2017) – <a href="https://goo.gl/Nv3eev">https://goo.gl/Nv3eev</a><br />
InnoHEALTH Volume 2 Issue 3 (July to September 2017) – <a href="https://goo.gl/MCVjd6">https://goo.gl/MCVjd6</a></p>
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<p>The post <a href="https://innohealthmagazine.com/2017/issues/ransomware-epidemic/">RANSOMWARE EPIDEMIC &#8211; WHO IS NEXT?</a> appeared first on <a href="https://innohealthmagazine.com">InnoHEALTH magazine</a>.</p>
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