A Fairness Aware and Privacy Preserving Online Insurance Application System
Due to health information sensitivity, privacy preserving is a crucial issue in electronic health record systems. Users must provide their health information to insurance companies for their applications. This introduces potential threats to user privacy. In this paper, we propose the fairness aware and privacy preserving (FAPP) protocol for online health insurance systems. In the FAPP protocol, a user's health condition is encapsulated into a ciphertext with random numbers and sent to the health insurance company. The company will be unable to access the plaintext without prior user permission. However, the company will still be able to verify user integrity based on the ciphertext. In contrast to current health insurance schemes where insurance quotes are calculated by the company, the quote is calculated by the user based on the company's public policy in the proposed FAPP protocol. Additionally, the company is able to determine whether users have cheated when generating quotes. Furthermore, we propose a concept of privacy preserving quote, which ensures that user health details cannot be derived from a generated quote. Security analysis demonstrates that the proposed FAPP protocol can achieve privacy preservation and transparency.
2016 IEEE Global Communications Conference (GLOBECOM)