Insurtech: a new trend for a developed and technologically transformed insurance industry - a case study of the American company "Lemonade"

أشارت العديد من الدراسات إلى تخلّف صناعة التأمين عن التحول الرقمي والتكنولوجي بسبب طابعها المتحفّظ. رغم ذلك هناك مؤشرات توحي ببداية تغييرات جذرية تمس هذه الصناعة، والتي اقترنت بظهور شركات ناشئة في مجال تكنولوجيا التأمين. هذه الأخيرة أعطت وجها جديدا لأعمال التأمين بتوفيرها لمناهج ابتكارية وأدوات رقمية تدفع من خلالها صناعة التأمين نحو تغيير نموذج عملها التقليدي. تهدف هذه الورقة لمعرفة التوجّه الجديد لصناعة التأمين في ظل الفرص المتاحة لحلول وتطبيقات تكنولوجيا التأمين، والفوائد المحقّقة من مشاريع الشراكة الممكنة، مع الإشارة لتجربة "Lemonade" الأمريكية وتحليل عوامل نجاحها. وقد توصلت الدراسة إلى أهمية الشراكة بين شركات التأمين التقليدية وشركات تكنولوجيا التأمين لتطوير الصناعة وتسريع تحوّلها التكنولوجي، إلى جانب تغيير منهج التسويق بالتركيز على العميل واحتياجاته.Several studies have indicated that insurance industry lags behind digital and technological transformation due to its conservative nature. the indicators suggesting the beginning of drastic changes, which have been accompanied by the emergence of new companies in the field of insurtech. The latter has given a new face to the insurance business by providing innovative approaches and digital tools that push the insurance industry towards changing its traditional business model. This paper attempt to identify the benefits achieved from partnership projects, with reference to the American "Lemonade" experience and the analysis of its success factors.      The study concluded the importance of partnership between traditional insurance companies and insurance technology companies to develop the industry and accelerate its technological transformation, and changing the marketing approach by focusing on the customer

Characterization and Pharmacokinetic Evaluation of Oxaliplatin Long-Circulating Liposomes

The clinical efficacy of Oxaliplatin (L-OHP) is potentially limited by dose-dependent neurotoxicity and high partitioning to erythrocytes in vivo. Long-circulating liposomes could improve the pharmacokinetic profile of L-OHP and thus enhance its therapeutic efficacy and reduce its toxicity. The purpose of this study was to prepare L-OHP long-circulating liposomes (L-OHP PEG lip) by reverse-phase evaporation method (REV) and investigate their pharmacokinetic behavior based on total platinum in rat plasma using atomic absorption spectrometry (AAS). A simple and a sensitive AAS method was developed and validated to determine the total platinum originated from L-OHP liposomes in plasma. Furthermore, long-circulating liposomes were fully characterized in vitro and showed great stability when stored at 4°C for one month. The results showed that the total platinum in plasma of L-OHP long-circulating liposomes displayed a biexponential pharmacokinetic profile with five folds higher bioavailability and longer distribution half-life compared to L-OHP solution. Thus, long-circulating liposomes prolonged L-OHP circulation time and may present a potential candidate for its tumor delivery. Conclusively, the developed AAS method could serve as a reference to investigate the pharmacokinetic behavior of total platinum in biological matrices for other L-OHP delivery systems