Decision Question This Instrument Addresses
"Are we ready for pre-authorisation waiving – as a regulatory compliance obligation, as a board-level strategic decision, and as an operational change burden?"
Each dimension targets a specific failure mode that causes decisions of this type to go wrong. The instrument surfaces the gaps most likely to be consequential: not maturity against an idealised standard.
Regulatory Mapping
Do you have an accurate and current map of what changes, what stays, and what remains under interpretation as the Insurance Authority's waiving policy takes effect?
Board Decision Architecture
Does your board have sufficient independent analytical assurance before committing to a new authorisation model – and has the irreversibility risk been quantified?
Operational Change Capacity
Do your claims infrastructure, coding discipline, appeals capacity, and utilisation management systems have the absorption capacity for the volume and complexity shift waiving creates?
Financial Exposure Modelling
Have you modelled utilisation shift, claims volume change, and cost impact under best, base, and adverse scenarios – with explicit board-approved exposure limits?
Contingency & Sequencing
If the reform is phased, delayed, or partially reversed, what is your fallback posture – and is it operationally executable?
Typical Audience
CEOs, CMOs, CFOs, Board Directors, Compliance Officers – applicable to both provider and insurer organisations