CN1758281A - Database system for estimating risk of insured tender of life ensurance compony - Google Patents
Database system for estimating risk of insured tender of life ensurance compony Download PDFInfo
- Publication number
- CN1758281A CN1758281A CNA2005101083587A CN200510108358A CN1758281A CN 1758281 A CN1758281 A CN 1758281A CN A2005101083587 A CNA2005101083587 A CN A2005101083587A CN 200510108358 A CN200510108358 A CN 200510108358A CN 1758281 A CN1758281 A CN 1758281A
- Authority
- CN
- China
- Prior art keywords
- risk
- index series
- risk assessment
- insurance
- life
- 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.)
- Pending
Links
- 238000005516 engineering process Methods 0.000 claims abstract description 11
- 238000000034 method Methods 0.000 claims abstract description 8
- 238000011156 evaluation Methods 0.000 claims abstract description 4
- 238000012502 risk assessment Methods 0.000 claims description 14
- 230000036541 health Effects 0.000 description 25
- 108090000623 proteins and genes Proteins 0.000 description 10
- 238000012360 testing method Methods 0.000 description 5
- 238000011160 research Methods 0.000 description 4
- 206010006187 Breast cancer Diseases 0.000 description 3
- 208000026310 Breast neoplasm Diseases 0.000 description 3
- 206010028980 Neoplasm Diseases 0.000 description 3
- 201000011510 cancer Diseases 0.000 description 3
- 201000010099 disease Diseases 0.000 description 3
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 description 3
- 230000002068 genetic effect Effects 0.000 description 3
- 238000012954 risk control Methods 0.000 description 3
- 101150069040 CETP gene Proteins 0.000 description 2
- 101150051438 CYP gene Proteins 0.000 description 2
- 208000024172 Cardiovascular disease Diseases 0.000 description 2
- 208000005189 Embolism Diseases 0.000 description 2
- 206010061216 Infarction Diseases 0.000 description 2
- 208000011775 arteriosclerosis disease Diseases 0.000 description 2
- 239000008280 blood Substances 0.000 description 2
- 210000004369 blood Anatomy 0.000 description 2
- 230000008859 change Effects 0.000 description 2
- 210000000349 chromosome Anatomy 0.000 description 2
- 238000001784 detoxification Methods 0.000 description 2
- 208000002672 hepatitis B Diseases 0.000 description 2
- 230000007574 infarction Effects 0.000 description 2
- 201000007270 liver cancer Diseases 0.000 description 2
- 208000014018 liver neoplasm Diseases 0.000 description 2
- KEWSCDNULKOKTG-UHFFFAOYSA-N 4-cyano-4-ethylsulfanylcarbothioylsulfanylpentanoic acid Chemical compound CCSC(=S)SC(C)(C#N)CCC(O)=O KEWSCDNULKOKTG-UHFFFAOYSA-N 0.000 description 1
- 208000024827 Alzheimer disease Diseases 0.000 description 1
- 206010003210 Arteriosclerosis Diseases 0.000 description 1
- 241000193830 Bacillus <bacterium> Species 0.000 description 1
- 206010008190 Cerebrovascular accident Diseases 0.000 description 1
- 102100037637 Cholesteryl ester transfer protein Human genes 0.000 description 1
- 208000035473 Communicable disease Diseases 0.000 description 1
- 206010012289 Dementia Diseases 0.000 description 1
- 101150013191 E gene Proteins 0.000 description 1
- LFQSCWFLJHTTHZ-UHFFFAOYSA-N Ethanol Chemical compound CCO LFQSCWFLJHTTHZ-UHFFFAOYSA-N 0.000 description 1
- 208000018522 Gastrointestinal disease Diseases 0.000 description 1
- 108010070675 Glutathione transferase Proteins 0.000 description 1
- 102000005720 Glutathione transferase Human genes 0.000 description 1
- 101000880514 Homo sapiens Cholesteryl ester transfer protein Proteins 0.000 description 1
- 108700019961 Neoplasm Genes Proteins 0.000 description 1
- 102000048850 Neoplasm Genes Human genes 0.000 description 1
- 208000008589 Obesity Diseases 0.000 description 1
- 108700020796 Oncogene Proteins 0.000 description 1
- 208000034189 Sclerosis Diseases 0.000 description 1
- 208000006011 Stroke Diseases 0.000 description 1
- 108700025716 Tumor Suppressor Genes Proteins 0.000 description 1
- 102000044209 Tumor Suppressor Genes Human genes 0.000 description 1
- 208000036141 Viral hepatitis carrier Diseases 0.000 description 1
- 238000003915 air pollution Methods 0.000 description 1
- 230000001093 anti-cancer Effects 0.000 description 1
- 210000001367 artery Anatomy 0.000 description 1
- 235000013527 bean curd Nutrition 0.000 description 1
- 230000006399 behavior Effects 0.000 description 1
- 210000004204 blood vessel Anatomy 0.000 description 1
- 208000029078 coronary artery disease Diseases 0.000 description 1
- 238000001514 detection method Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 235000005911 diet Nutrition 0.000 description 1
- 230000037213 diet Effects 0.000 description 1
- 230000004069 differentiation Effects 0.000 description 1
- 208000010643 digestive system disease Diseases 0.000 description 1
- 230000035622 drinking Effects 0.000 description 1
- 230000002526 effect on cardiovascular system Effects 0.000 description 1
- 238000003912 environmental pollution Methods 0.000 description 1
- 238000002474 experimental method Methods 0.000 description 1
- 235000013305 food Nutrition 0.000 description 1
- 208000018685 gastrointestinal system disease Diseases 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 208000019622 heart disease Diseases 0.000 description 1
- 229940088597 hormone Drugs 0.000 description 1
- 239000005556 hormone Substances 0.000 description 1
- 230000001771 impaired effect Effects 0.000 description 1
- 208000015181 infectious disease Diseases 0.000 description 1
- 210000004185 liver Anatomy 0.000 description 1
- 208000019423 liver disease Diseases 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 235000020824 obesity Nutrition 0.000 description 1
- 230000002265 prevention Effects 0.000 description 1
- 230000003449 preventive effect Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 210000001187 pylorus Anatomy 0.000 description 1
- 230000000391 smoking effect Effects 0.000 description 1
- 230000000192 social effect Effects 0.000 description 1
- 230000000087 stabilizing effect Effects 0.000 description 1
- 238000012549 training Methods 0.000 description 1
- 230000007704 transition Effects 0.000 description 1
- 230000002792 vascular Effects 0.000 description 1
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
This invention provides a method of checking the insurance and calculating for evaluating insurance tender, which utilizes the latest scientific and technological result of the biology information technology to develop the risk evaluation database serial software models (the series of risk evaluation indexes of history, present, forecast, finance, biological identification, insurance check and rate computation), all of them are quantized and classified.
Description
Technical field: set up nuclear guarantor and calculating method that a kind of new life insurance company is used to assess the insurance subject risk, the biomolecule information database technology is applied to that life insurance nuclear is protected and actuarial in risk assessment, a kind of new risk analysis model software is provided, thereby the nuclear that reduces life insurance company is protected cost, strengthens the risk control and the core competitiveness of life insurance company.
Background technology: the framework of bioinformatics provides ordered data and relevant information with exponential increase for us, and by analysis with arrangement, we can obtain new risk control theory and innovative thinking from magnanimity information.With biology information technology, software programming technique, the actuarial technology, nuclear guarantor technology, the risk control technology is that the present invention of background has following characteristics:
A. comprehensive guiding risk profile.
B. utilize up-to-date biology information technology.
C. the process information amount is big.
D. conclusion is quick.
E. be applied in the life insurance industry.
Summary of the invention: the present invention forms all information by following seven big risk assessment databases series and quantizes classification and possess very strong operability.
＜one〉historic risk assessment index series: form by following database:
Colony's life table database, familial inheritance database, family's disease database, individual medical history database, individual growth environment data base, the regional infectious disease incidence index of living. the life information relevant, disease burden information with behavior.
＜two〉actuality risk assessment index series: form by following database:
The regional air pollution index of individual life, motor vehicle quantity and traffic hazard incidence index, individual health check-up achievement data storehouse in real time, individual biochemical indicator database in real time, individual life style and sociology index, the stable and public security index of individual life regional society,
Illustration: individual life style and sociology index:
X=body build index BMI; Intelligence index IQ+EQ; Marital status; Child's quantity; Smoking alcohol drinking patterns: physical training; Sleep; Education degree; Occupation; Transition; Social situation. dwelling and working distance location.
＜three〉predictability risk assessment index series
The disease gene database
Illustration: (by the genetic test data is main, and as for main killer's cardiovascular disease of human health and cancer, modern biotechnology development provides new method one genetic test of health check-up.Can just record whether defectiveness of antioncogene and oncogene very in early days, the probability that may fall ill has much.Someone will suffer from cancer or heart patient, the bad person of habits and customs, long term exposure height environmental pollution person for family, all is very important health indicator.Genetic test does not become the health check-up project as yet, mainly is that expense is very high, and whether detect has breast cancer gene BRCA-1, BRCA-2,2700 dollars of U.S.'s charges.The same the present invention of detection only needs 250 dollars.For example utilize the AMIGAP technology, make the IgY gene antibody, research and develop " gene antibody " at gastrointestinal disease and cardiovascular disease that various hepatopathys, pylorus bacillus cause.Some genes originally because heredity just a little less than, if be under the improper environment, be easy to morbidity.
It is 15 times of ordinary person that the daughter that breast cancer mother gave birth to suffers from the breast cancer probability, detoxification genes CYP, GST impaired person in the liver, if often eat bean curd with odor, cure foods again, and bad habit such as smokes, drink, the chance of generation liver cancer is higher 60 times than common people.
The chance that hepatitis B carrier develops into liver cancer is 223 times of mediocrity.Newest research results has been found the inheritance susceptible gene of hepatitis B, if help hepatitis B is carried out risk profile. the Apo E gene defectiveness on the 19th pair of chromosome, just suffer from heart disease and Alzheimer's disease (old man's dementia) easily.If the CETP gene on the 16th pair of chromosome goes wrong, artery sclerosis, blood vessel embolism, miocardial infarction easily.
But these genes all mat check predict.Higher and the CYP gene of male hormones, the low person of GST glutathione transferase more easily suffer from cancer in the blood, early detect and can early prevent.
If measure the detoxification genes defectiveness, should change habits and customs quickly, adopt health diet, avoid fragile gene to degenerate, reach the purpose of anti-cancer.
If measure cardiovascular gene A po E, CETP gene defectiveness, measurablely go out arteriosclerosis, apoplexy, miocardial infarction, old man and lose the probability of intelligence, and take preventive measures early.For example test out that Apo E is arranged is the gene of four types, the coronary heart disease chance is other people three times, as adds then quadruplication of obesity, the patient prevention that should lose no time.As to test out be the gene of Apo E two types, is exactly lucky a few peoples so, has long-lived important factor.If CETP B1/B1 type is exactly that the blood fat fat very easily is stained with and is bonded on the vascular wall, is the high-risk populations of vascular sclerosis embolism, this people accounts for population 25%-30%.)
＜four〉financial risk level evaluation index series
The demand index function, financial position index, banking index in real time. income is insured amount than I/P value illustration: (along with the sustainable growth of China's economy, be used for health and life-insurance expenditure constantly increases the demand index function.Health, life is the same with education, is the chief component of human capital, and stable, health and health investment can directly improve social productive forces.Thereby the demand of research life insurance and health insurance, have important economy and social effect, nuclear guarantor of insurance company and actuarial are had more realistic meaning.
The present invention will estimate the life insurance of China, health insurance demand function and Health Services demand function.Life insurance, health insurance and Health Services are two notions that have nothing in common with each other and be closely connected.It seems that from economics health, longevity are the outputs that we pursue, and life insurance, health insurance and service are the inputs that obtains this output.The model of the utilization current international practice, the life insurance health insurance demand function of estimation China under the framework of human capital.
People can not directly buy the health of a unit or the life-span in 1 year, and people but may directly buy the health insurance or the life insurance of a unit (portion).People are to stable, and healthy and long-lived demand realizes by factors such as Health Services and insurance services.Be appreciated that people stabilizing healthy and long-lived demand, just too busy to get away research Health Services and insurance service demand.The present invention also will estimate health and insurance service demand function and with relevant a series of indexs, for example income elasticity of Health Services and demand for insurance, price elasticity or the like.Different half experiment and metering methods will be used for controlling contingent selectivity deviation, endogenous deviation and missing variable deviation, come the differentiation system to change to stable healthy and long-lived demand and health, the influence that the insurance service demand produces.
＜five〉bio-identification risk assessment index series
Insurant's fingerprint database, insurant's iris database
＜six〉nuclear is protected index series
Standard body nuclear is protected index, and inferior standard body nuclear is protected index, prolongs guarantor's index, declinatures index, and nuclear is protected aggregative index.
＜seven〉actuarial rate index series
The multielement life function library, the interest function library, base year gold database, actuarial present value database, declaration form surrender value data, solvency index.
Specific embodiments:
(1) sets up database
(2) set up index
(3) practical application
Claims (2)
1. the present invention has set up nuclear guarantor and the calculating method that a kind of new life insurance company is used to assess the insurance subject risk, is that a kind of new its content of risk analysis model software contains historic risk assessment index series; Actuality risk assessment index series; Predictability risk assessment index series; Financial risk level evaluation index series; Bio-identification risk assessment index series; Nuclear is protected index series; Actuarial rate index series is characterized in that 1. are applied to financial field life insurance industry 2. Risk Forecast Method 3. multidimensional information data 4. databases 5. softwares with biology information technology.
2. native system according to claim 1 is characterized in that utilizing the up-to-date scientific and technological achievement of biology information technology to develop seven big risk assessment database groupware models, protect and the multidimensional information database of actuarial for financial field life insurance industry is used to examine, all information all quantize classification and possess very strong operability.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101083587A CN1758281A (en) | 2005-10-13 | 2005-10-13 | Database system for estimating risk of insured tender of life ensurance compony |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101083587A CN1758281A (en) | 2005-10-13 | 2005-10-13 | Database system for estimating risk of insured tender of life ensurance compony |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1758281A true CN1758281A (en) | 2006-04-12 |
Family
ID=36703641
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005101083587A Pending CN1758281A (en) | 2005-10-13 | 2005-10-13 | Database system for estimating risk of insured tender of life ensurance compony |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN1758281A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105022933A (en) * | 2015-08-20 | 2015-11-04 | 刘晓东 | Implementation method for building annuity model and average residual lifetime model |
| CN106257471A (en) * | 2016-03-31 | 2016-12-28 | 泰康保险集团股份有限公司 | Customer evaluation method and device |
| WO2017148161A1 (en) * | 2016-03-04 | 2017-09-08 | 深圳市前海安测信息技术有限公司 | Underwriting and actuarial database system for assessing risks of subject matter of insurance |
| WO2017152639A1 (en) * | 2016-03-10 | 2017-09-14 | 深圳市前海安测信息技术有限公司 | Medical insurance actuarial system and method based on medical big data |
| WO2017161896A1 (en) * | 2016-03-19 | 2017-09-28 | 深圳市前海安测信息技术有限公司 | Health insurance actuarial system and method based on fitness data |
| WO2017161895A1 (en) * | 2016-03-19 | 2017-09-28 | 深圳市前海安测信息技术有限公司 | Insurance actuarial system and method based on social media data |
-
2005
- 2005-10-13 CN CNA2005101083587A patent/CN1758281A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105022933A (en) * | 2015-08-20 | 2015-11-04 | 刘晓东 | Implementation method for building annuity model and average residual lifetime model |
| WO2017148161A1 (en) * | 2016-03-04 | 2017-09-08 | 深圳市前海安测信息技术有限公司 | Underwriting and actuarial database system for assessing risks of subject matter of insurance |
| WO2017152639A1 (en) * | 2016-03-10 | 2017-09-14 | 深圳市前海安测信息技术有限公司 | Medical insurance actuarial system and method based on medical big data |
| WO2017161896A1 (en) * | 2016-03-19 | 2017-09-28 | 深圳市前海安测信息技术有限公司 | Health insurance actuarial system and method based on fitness data |
| WO2017161895A1 (en) * | 2016-03-19 | 2017-09-28 | 深圳市前海安测信息技术有限公司 | Insurance actuarial system and method based on social media data |
| CN106257471A (en) * | 2016-03-31 | 2016-12-28 | 泰康保险集团股份有限公司 | Customer evaluation method and device |
| CN106257471B (en) * | 2016-03-31 | 2018-10-09 | 泰康保险集团股份有限公司 | Customer evaluation method and device, readable storage medium and electronic equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105809343A (en) | Underwriting and actuarial database system used for evaluating insurance subject risks | |
| Kolstad et al. | The impact of health care reform on hospital and preventive care: evidence from Massachusetts | |
| Riley | Sickness, recovery, and death: A history and forecast of ill health | |
| Polachek | Why democracies cooperate more and fight less: the relationship between international trade and cooperation | |
| Basu et al. | Comparing alternative models: log vs Cox proportional hazard? | |
| Wienke | Frailty models in survival analysis | |
| Wickstrøm et al. | Future health care costs—do health care costs during the last year of life matter? | |
| Zhao et al. | Predicting outcomes of chronic kidney disease from EMR data based on Random Forest Regression | |
| Proust-Lima et al. | Misuse of the linear mixed model when evaluating risk factors of cognitive decline | |
| CN1758281A (en) | Database system for estimating risk of insured tender of life ensurance compony | |
| Liou et al. | Detecting hospital fraud and claim abuse through diabetic outpatient services | |
| Butt et al. | Diagnosing the stage of hepatitis C using machine learning | |
| Fowler et al. | Capitation adjustment for pediatric populations | |
| Schreuders et al. | The relationship between nurse staffing and inpatient complications | |
| AU2020378080A1 (en) | Accurate and robust information-deconvolution from bulk tissue transcriptomes | |
| CN105279369A (en) | Next generation sequencing based coronary heart disease genetic risk evaluation method | |
| Kitowski et al. | Identifying symptoms of bankruptcy risk based on bankruptcy prediction models—A case study of Poland | |
| Lai et al. | Evaluating risk for alcohol use disorder: Polygenic risk scores and family history | |
| Frech III et al. | Efficiency, growth, and concentration: an empirical analysis of hospital markets | |
| Lauer | Ecologic studies of multiple sclerosis | |
| Bailey et al. | Competition and health‐care spending: Theory and application to Certificate of Need laws | |
| Zea-Vera et al. | Development of a risk score to predict 90-day readmission after coronary artery bypass graft | |
| US20080077374A1 (en) | Method for predicting biological, biochemical, biophysical or pharmacological characteristics of a substance | |
| Warmerdam et al. | Idéfix: identifying accidental sample mix-ups in biobanks using polygenic scores | |
| Martikainen et al. | Economic evaluation of using polygenic risk score to guide risk screening and interventions for the prevention of type 2 diabetes in individuals with high overall baseline risk |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C41 | Transfer of patent application or patent right or utility model | ||
| TA01 | Transfer of patent application right |
Effective date of registration: 20081212 Address after: E, Wangjing science and Technology Park, Beijing, Chaoyang District, China, 202A, 100102 Applicant after: Beijing Digimedex Biomedical Information Technology Co. Ltd. Address before: E, Wangjing science and Technology Park, Beijing, Chaoyang District, China, 202A, 100102 Applicant before: Xu Huifeng |
|
| ASS | Succession or assignment of patent right |
Owner name: BEIJING AINUOXINTAI BIOLOGY MEDICINE INFORMATION T Free format text: FORMER OWNER: XU HUIFENG Effective date: 20081212 |
|
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |