EP1032903A1 - Reduction des risques au moyen de recompenses financieres et comportementales - Google Patents

Reduction des risques au moyen de recompenses financieres et comportementales

Info

Publication number
EP1032903A1
EP1032903A1 EP99948399A EP99948399A EP1032903A1 EP 1032903 A1 EP1032903 A1 EP 1032903A1 EP 99948399 A EP99948399 A EP 99948399A EP 99948399 A EP99948399 A EP 99948399A EP 1032903 A1 EP1032903 A1 EP 1032903A1
Authority
EP
European Patent Office
Prior art keywords
insured
risk
component
benefit
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP99948399A
Other languages
German (de)
English (en)
Inventor
Stephen J. Brown
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Raya Systems Inc
Robert Bosch Healthcare Systems Inc
Original Assignee
Health Hero Network Inc
Raya Systems Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Health Hero Network Inc, Raya Systems Inc filed Critical Health Hero Network Inc
Publication of EP1032903A1 publication Critical patent/EP1032903A1/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • Certain kinds of insurance (such as long-term care insurance) also have a
  • the insured person has substantial effect on the family of the insured person.
  • the insured person has substantial effect on the family of the insured person.
  • the insured person has substantial effect on the family of the insured person.
  • the insured person has substantial effect on the family of the insured person.
  • the insured person also has interests against these options.
  • One aspect of this co-pending application is that the insurer can dynami-
  • one such insurance product includes
  • the invention provides a set of techniques and products in which one or
  • the insured persons and associated beneficiaries are coupled to a client-server system that is configured to obtain dynamic measurement of
  • the client-server system is configured to alert the insured persons
  • mium are allocated to one or more components (such as a long-term care benefit or a
  • an insured patient is examined at intervals by
  • sonnel can determine a medical regimen (possibly including diet, exercise, prescribed
  • tions use a client device with a client-server system to provide dynamic medical in-
  • the client device can
  • the client device can periodically question the insured patient or the close relations for information about the insured, such as affect or mentation, diet or exer-
  • a server device receiving that information from the client device can
  • the server device can modify which portions of an insurance premium (or
  • the server device can use
  • Fig.lA shows a block diagram of a system for data collection and inter-
  • Fig. IB shows details of the client device shown in Fig. 1A.
  • Fig. 1C shows devices that may be connected to client device
  • Fig. ID shows details of the data review device
  • Fig. 2 illustrates a data flow diagram indicating some of the data paths
  • Fig. 3A illustrates a process for determining dynamic risk assessment
  • Fig. 3B illustrates a process used to evaluate patient information
  • Fig. 4 illustrates a process used to respond to risk
  • Fig. 5 illustrates a process used to determine feedback information.
  • the invention can be implemented using general-purpose processors or special purpose
  • processors operating under program control, or other circuits, adapted to particular
  • the invention enables dynamic risk determination of an insured' s condi-
  • determination can be used is if the insured is at risk for a medical setback (such as an
  • MI Magnetic ink
  • a stroke but currently is capable of self-care.
  • Yet another example is when the
  • the invention allows the underwriter
  • Fig. 1 A shows a block diagram of a system for data collection and inter-
  • a system 100 includes a client device 110, a server
  • the communication channel 140 may be a simple point-to-point network
  • the client device 110 is disposed locally to a patient
  • the client device 110 is relatively small or compact, and can be
  • the output element 112 includes a display screen 114, on which ques-
  • tions and suggested answers can be displayed for the patient 111, to facilitate informa-
  • the output element 112 can also include a speaker 115, to present infor-
  • ment 112 can also include a bell or other sound element, or a bright light 119 or a flag,
  • the input element 113 includes a plurality of buttons 116A-D for enter-
  • the input element 113 can also include one or more data ports 117A-D
  • 118 can include a medical measurement device, such as a blood glucose meter or a
  • Such other devices 118 can also include a general purpose or
  • special purpose client workstation such as a personal computer or a hand-held digital
  • the server device 120 is disposed logically remotely from the patient
  • remotely refers to a logical
  • the database 121 includes medical history, medical regimen, and risk
  • base 121 also includes the compliance background for the insured indicating how well
  • the server device 120 also includes the program memory 122 that con-
  • the server 120 and database 121 are prefera-
  • a standard network connection such as a .world wide web con-
  • the server 120 and database 121 may include single stand-alone computers
  • the data review element 130 is disposed logically remotely from the pa-
  • tient 111 includes an interface 131 disposed for use by an operator 132.
  • erator 132 can comprise medical personnel, a device operated by medical personnel, or
  • Information entered into the data review element 130 can be en-
  • the data review element 130 is preferably a personal computer, remote
  • the data review element 130 functions as a remote inter-
  • the data review element 130 also functions to provide the professional to evaluate the progression of the insured and to monitor the insured's
  • Fig. 2 illustrates a data flow diagram, indicated by general reference
  • nodes include an insured 201, a client device 203, a server device 205, an accounting
  • data streams transfer data between the nodes connected by the data stream.
  • server device sends patient protocol and interrogatories
  • the insured by sending this information across the server-client data stream 227 to the client device 203.
  • the client device 203 then instructs or queries the insured 201
  • the insured 201 responds to the
  • the client device 203 passes this ac-
  • the server device 205 stores the information acquired from the insured 201.
  • Feedback is provided to the insured 201 by sending feedback informa-
  • the professional 211 uses the work station 209 (passing data over both
  • server device 205 This data is accessed using the server-workstation data stream 229.
  • the professional 211 can also modify the medical regimen for the insured or provide
  • server-client data stream 227 the client device 203, and the client device-insured data
  • the professional 211 using the work station 209 can send information (reflecting benefits to the insured) to the accounting server 207 using the 'workstation-
  • the professional 211 assesses the insured-against risk using both the
  • This assessment includes the insured's compliance with the prescribed
  • Fig. 3 A illustrates a dynamic risk assessment process, indicated by gen-
  • risk assessment process 300 is cyclic in normal circumstances.
  • step 301 obtains medical information (such as bio-medical information)
  • the medical information is gathered according to a protocol
  • This medical information is sent to a server device that performs an 'evaluate patient information' step 303 that determines one or more
  • the dynamic risk assessment process 300 delays for an appropriate time a a delay step
  • This delay can be varied as appropriate for the insured, the insured's condition,
  • the delay step 305 determines the time
  • the delay ends at an 'delay complete' step 307 and the dynamic risk assessment
  • process 300 repeats at the 'gather patient information' step 301 to re-determine the in-
  • step 301 is specific to the insured's current risk and progression of the condition.
  • the insured or caregiver may be periodically instructed to check for sores on
  • the caregiver can provide informa-
  • step 303 can be repeated dependent on the data acquired from the insured
  • the server device 120 can send the client device 110 a protocol to cause the client device 110 to obtain the new information
  • Fig. 3B illustrates an 'evaluate patient information' process, ' indicated by
  • the 'evaluate patient information' process 320 is in-
  • the 'evaluate patient information' process 320 continues to a 'send data
  • the risk includes one or more risk factors.
  • Example risk factors include information such as "patient smokes,” “pa-pa-pa-pa-pa-pa-pa-pa-
  • the 'respond to risk' procedure 329 determines one
  • risk' procedure 327 and the 'respond to risk' procedure 329 need not be performed
  • the dynamic risk assessment process 300 can also continue to a 'determine feedback
  • a 'present feedback information' procedure 335 then presents the feedback informa-
  • the 'determine feedback information' procedure 331 can also provide
  • the client device 110 with additional data gathering protocols that are dependent on the
  • mine feedback information' procedure 331 checks to determine whether the just-
  • gathered information is out-of-limit, indicates a trend, or should be forwarded to a
  • client device 110 and the server device 120 in a different manner.
  • server device 120 For example as the
  • Fig. 4 illustrates a 'respond to risk' process, indicated by general refer-
  • ence character 400 that is configured to adjust the cost of the financial product be-
  • process 400 is invoked by the 'respond to risk' procedure 329 and initiates at a 'start'
  • an 'inform' procedure 409 generates information that will be pro-
  • procedure also provides the new allocations to an accounting database and/or the pay-
  • This payment allocation is structured to pro-
  • Fig. 5 illustrates a 'determine feedback information' process, indicated
  • risk factors' procedure 503 uses the risk factors determined by the 'reassess risk'
  • the 'modify regimen' procedure 507 may change the data
  • diabetes for example, diabetes, and CHD.
  • a 'select feedback language' procedure 509 selects the language
  • dure 509 can also control how much technical jargon is to be included.
  • guage can be customized for the educational and experience level of the insured and/or
  • a 'prepare feedback information' procedure 511 assembles the feed- back information including the suggested medical regimens coded for the language of
  • the 'determine feedback information' process 500 completes through an
  • the 'correlate regimen with risk factors' procedure 503 evaluates the
  • vention uses Bayesian statistical techniques to perform this correlation.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Medical Treatment And Welfare Office Work (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne une série de techniques et de produits qui permet de surveiller au moins un individu assuré et au moins un bénéficiaire associé en fonction de la réévaluation des risques dynamique, des informations en retour données en réponse à la réévaluation des risques dynamique, et qui permet d'encourager ledit individu et assuré à se conformer au retour des informations. Ces individus et bénéficiaires sont couplés à un système client-serveur conçu pour mesurer de façon dynamique des informations médicales, et pour aviser lesdits individus et bénéficiaires des comportements suggérés en vue de réduire les risques. Cette invention a trait à un produit d'assurance dont les parties de la prime d'assurance sont attribuées à au moins un élément, en réponse à l'observation des comportements suggérés. -
EP99948399A 1998-09-23 1999-09-22 Reduction des risques au moyen de recompenses financieres et comportementales Withdrawn EP1032903A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US15905898A 1998-09-23 1998-09-23
US159058 1998-09-23
PCT/US1999/022020 WO2000017800A1 (fr) 1998-09-23 1999-09-22 Reduction des risques au moyen de recompenses financieres et comportementales

Publications (1)

Publication Number Publication Date
EP1032903A1 true EP1032903A1 (fr) 2000-09-06

Family

ID=22570907

Family Applications (1)

Application Number Title Priority Date Filing Date
EP99948399A Withdrawn EP1032903A1 (fr) 1998-09-23 1999-09-22 Reduction des risques au moyen de recompenses financieres et comportementales

Country Status (4)

Country Link
EP (1) EP1032903A1 (fr)
AU (1) AU6158999A (fr)
CA (1) CA2310648A1 (fr)
WO (1) WO2000017800A1 (fr)

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Also Published As

Publication number Publication date
CA2310648A1 (fr) 2000-03-30
WO2000017800A9 (fr) 2000-10-05
AU6158999A (en) 2000-04-10
WO2000017800A8 (fr) 2000-08-03
WO2000017800A1 (fr) 2000-03-30

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