{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","uuid":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","normalized_title":"黑箱社会控制金钱和信息的数据法则theblackboxsociety","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","isbns":["9787508655208"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":318,"navigation_url":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa","title_url":"https://workshop.closeclaw.top/ai/title/%E9%BB%91%E7%AE%B1%E7%A4%BE%E4%BC%9A%20%E6%8E%A7%E5%88%B6%E9%87%91%E9%92%B1%E5%92%8C%E4%BF%A1%E6%81%AF%E7%9A%84%E6%95%B0%E6%8D%AE%E6%B3%95%E5%88%99%EF%BC%9DTHE%20BLACK%20BOX%20SOCIETY","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/9c884da5-4c5c-4613-91be-2dad1863fbfa","page_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/page","search_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/search"},"page":{"printed_page":40,"pdf_page":59,"physical_index":59,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"a43a65605c53b0ff08905c6c4114661cba36b27e6b22f1d23fbcaf9425bfbbb9"},"chapter":"第一章","content":"记者乍得·特修恩(ChadTerhune)曾于2008年首次报道过谢尔顿夫妇事件，他还详述了处方数据是如何在个人保险市场上遭到滥用的。有些公司会去药房收集成百上千万条的信息记录，然后把它们卖给保险商。保险商们都非常渴望获得这些信息，因为这可以使他们获得竞争优势，避开那些可能会产生高额医疗费用的投保人。由于1%的病人占据着5%以上的医保成本，而且5%的病人会占据将近一半以上的成本，所以保险商希望“优选出”那些健康的投保人，同时“筛选掉”患病概率大的人群。相对于为所有申请人投保的做法，“筛选”法可以大大提升保险商的利润。处方数据为保险商提供了必要的信息，使他们知道怎样为客户量身定制保单，怎样将已经患病的人群排除在外，怎样对一些投保人收取更高的费用。\n\n具有讽刺意味的是，收集这种数据的初衷是为了能够在紧急救护的情况下获知患者的医疗信息，以便为其提供帮助。但在这个计划搁浅之后，这些信息记录反而成了歧视病人的手段。如果说这里面体现着华尔街信条的话，那就是：它促成了一种快速制胜的经营战略。\n\n黑箱社会The Black BoxSociety\n\n040","previous_page":39,"next_page":41}