Digitization can now be found everywhere and is spreading like wildfire. I am therefore now writing a whole series of articles on the subject of digitization. My motivation behind this is that digitization means something different for every industry and type of company and I want to work out these differences. An illustration of the differences in different industries can be found in the following figure. In this section I would like to go into the real gist of this article and illustrate digitization in the health and insurance industry. Industry characteristics The health and insurance industry consists of health systems. These can in turn be subdivided into networks with different actors, such as health insurance companies, medical associations or hospitals. The decisions of these actors have a direct or indirect influence on the national health status. Since many different institutions and actors have an influence, great flexibility has always…

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