Title: Health insurance system using federated blockchain technology

Authors: Pranil Tripathi; Prajwal Moon; Prakhar Mishra; Mohan Singh; J. Sathish Kumar

Addresses: Department of Computer Science and Engineering, Motilal Nehru National Institute of Technology Allahabad, Prayagraj, UP, India ' Department of Computer Science and Engineering, Motilal Nehru National Institute of Technology Allahabad, Prayagraj, UP, India ' Department of Computer Science and Engineering, Motilal Nehru National Institute of Technology Allahabad, Prayagraj, UP, India ' Department of Computer Science and Engineering, Motilal Nehru National Institute of Technology Allahabad, Prayagraj, UP, India ' Department of Computer Science and Engineering, Motilal Nehru National Institute of Technology Allahabad, Prayagraj, UP, India

Abstract: This paper presents a healthcare insurance system using Hyperledger Fabric, a permissioned blockchain framework, to address key challenges such as data security, fraud, inefficiency, and lack of transparency. By utilising smart contracts, the system automates claims processing, reducing administrative burdens and minimising fraud. Hyperledger Fabric's modular architecture allows for customisable consensus mechanisms, identity management, and data privacy controls. The system improves collaboration among stakeholders, including healthcare providers, insurers, and patients/clients, by maintaining a single, shared ledger that streamlines verification processes and improves auditability with real-time updates. This blockchain-based solution significantly enhances operational efficiency, cost reduction, and trustworthiness in the healthcare insurance ecosystem, offering a promising framework for future advancements in the industry.

Keywords: federated blockchain; health insurance system; smart contracts; Hyperledger Fabric.

DOI: 10.1504/IJAHUC.2025.150218

International Journal of Ad Hoc and Ubiquitous Computing, 2025 Vol.50 No.4, pp.223 - 239

Received: 04 Nov 2024
Accepted: 31 Mar 2025
Published online: 03 Dec 2025 *

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