The Thailand Office of Insurance Commission held a joint meeting with the Big Data Institute (Public Organization) and insurance-sector representatives to discuss how health data could be linked via BDI’s Health Link platform, with a view to setting appropriate data-connection standards that would support insurance underwriting, claims processing and product development. Health Link was presented as a consent-based health information exchange model designed to provide secure and transparent access to health records, and is already connected to 2,305 healthcare facilities, mainly public hospitals and clinics. Patient consent is given through four digital channels (the “Pao Tang” app, ThaID Rama app, e-PHIS medical record system, and the Health Link website), while doctors must register and verify their identity through the Medical Council system before accessing data. Discussion with insurers highlighted key implementation constraints for insurance use, including how insurers would obtain customer consent, the platform’s current prohibition on downloading or storing treatment-history data, the absence of an access-fee structure, and the lack of treatment-cost data. The Office of Insurance Commission will host further, more detailed discussions with BDI and the insurance industry on access rights, data retention and consent design to support fuller use of Health Link in insurance in a manner aligned with legal requirements and business needs.

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