Evaluating the Impact of Digital Innovation on Improving the Efficiency of Health Insurance Services in the Kingdom of Saudi Arabia

Abstract

This study examines the impact of digital innovation on health insurance operations in Saudi Arabia, with a focus on how e-health tools influence Population Health Management (PHM) and home care service delivery. The strategic pursuit of Saudi Arabia’s Vision 2030 is propelling insurance organizations to deploy advanced digital health tools, from telemedicine and EHRs to AI-driven risk stratification and mobile platforms, to fundamentally enhance service efficiency and health outcomes. Using panel data from public and private insurance institutions, this study analyzes the impact of digital transformation on operational performance, care accessibility, and patient satisfaction. The study also examines organizational readiness, regulatory alignment, and barriers to adoption across various types of insurers. The findings provide policy-relevant insights for insurance providers, regulators, and healthcare stakeholders seeking to scale digital health initiatives that enhance value-based care and reduce long-term healthcare costs.