## 🏥 Sri Lanka’s Vision 2030: Digital Healthcare & Insurance Transformation

The Insurance Regulatory Commission of Sri Lanka (IRCSL) has outlined a strategic roadmap to modernize the national health infrastructure, aiming to become the first South Asian nation to fully adopt ICD-11 standards by 2030. 📈 • The Digital Shift The initiative focuses on implementing a unified Electronic Health Record (EHR) system. This seeks to eliminate current inefficiencies where fragmented data and manual coding lead to resource misallocation and high insurance claim disputes. • Key Sector Impacts Insurance: Move toward "Health Age" premium calculations rather than chronological age. Standardized ICD-11 coding will allow for real-time claim verification, reducing fraud and administrative costs. Healthcare: Integration of both modern medicine and Ayurveda into digital platforms, making traditional treatments eligible for global insurance recognition. ICT/BPM: Opportunities for AI-driven health analytics to forecast disease trends and personalize insurance products for low-income segments. • Economic Benefits Potential to save billions of rupees annually by cutting healthcare wastage. Improved "health-secure" status to attract medical tourism and research collaborations. Transition from a "claim-settler" model to a preventive healthcare ecosystem. • Implementation Strategy Based on provisional planning, the IRCSL recommends a phased rollout in tertiary hospitals, seeking partnerships with the World Bank and ADB. Success depends on mandating ICD-11 across all providers and establishing standardized hospital billing to prevent overcharging. 🇰🇵