Health insurance plays a significant role in ensuring quality healthcare. In response to the escalating costs of the medical industry, the demand for health insurance is soaring. Additionally, those with health insurance are more likely to receive preventative care than those without health insurance. However, from granting health insurance to delivering services to insured individuals, the health insurance industry faces numerous obstacles. Fraudulent actions, false claims, a lack of transparency and data privacy, reliance on human effort and dishonesty from consumers, healthcare professionals, or even the insurer party itself, are the most common and important hurdles towards success. Given these constraints, this chapter briefly covers the most immediate concerns in the health insurance industry and provides insight into how blockchain technology integration can contribute to resolving these issues. This chapter finishes by highlighting existing limitations as well as potential future directions.

翻译：健康保险在确保优质医疗服务方面发挥着重要作用。面对医疗行业不断攀升的成本，健康保险需求日益增长。此外，拥有健康保险的人群比未参保者更可能接受预防性护理。然而，从承保到为参保人提供服务，健康保险行业面临诸多障碍。欺诈行为、虚假索赔、缺乏透明度与数据隐私漏洞、过度依赖人工操作，以及消费者、医护人员甚至保险公司自身的不诚信行为，是最常见且最关键的挑战。鉴于这些制约因素，本章简要阐述了健康保险行业最紧迫的问题，并探讨了区块链技术整合如何有助于解决这些问题。最后，本章指出了现有局限性及潜在未来发展方向。