JP2002373257A - Method and system for recalculating insurance premium by fetching health information - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method and a system for periodically evaluating a health state and periodically updating an insurance premium reflecting the evaluation. SOLUTION: This system is provided with a means acquiring the health diagnosis data of a contractor from a medical institution, a health information data base storing the health information of the year of the contractor corresponding to a contractor number, a health information history data base storing the history of the health information, a health degree standard value data base having the reference information of the calculation of a health degree, an insurance premium calculation data base having statistic information to be an element at insurance premium calculation, an insurance premium management data base managing an annual insurance premium, and an insurance premium calculation system provided with a health information updating means, a health degree calculation means, an insurance premium calculation means and an insurance premium updating means.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for calculating premiums in a life insurance contract.

[0002]

2. Description of the Related Art Heretofore, insurance premiums have been determined according to the health condition at the time of subscription, and even if the health condition has improved, the insurance premium has not been reset. In addition, the parameters for reflecting the health status in the rate were not based on quantitative values based on the presence or absence of a medical history. Japanese Patent Application Laid-Open No. 2000-276525 is an example in which a health condition is quantified and evaluated.

[0003]

As described above, the conventional premium setting is applied only to the initial health condition, and it is necessary to re-enroll in order to update the premium to a reasonable premium according to the current health condition. However, there is a problem that it is difficult to calculate which is more advantageous in the case of an insurance product in which a premium is given according to the enrollment period or in the case of a deposit type insurance. In addition, in order to change the rate reflecting the health condition, a method of quantitatively evaluating the health condition was required, and it was necessary to periodically obtain necessary data. An object of the present invention is to periodically evaluate a health condition,
It is an object of the present invention to provide a method and a system for regularly updating insurance premiums reflecting the evaluation.

[0004]

In order to achieve the above object,
The system of the present invention is a means for acquiring a health examination data of a contractor from a medical institution, a health information database for storing the health information of the contractor for the current year in association with a contractor number, and a health information for storing a history of the health information. A history database, a health standard value database having reference information for calculating the health,
A premium calculation database having statistical information that is an element in calculating premiums, a premium management database for managing annual premiums, health information updating means, health degree calculating means,
It has an insurance premium calculation system having insurance premium calculation means and insurance premium updating means. The health information database has records of subscriber basic information such as date of birth and gender for calculating age, health information of the subscriber, and the degree of health of the subscriber. The health information history database has a history of the health information database as a record. The health standard value database has records of standard values of health information for each age and gender. The insurance premium calculation database has, as a record, statistical information accumulated by the insurance company for insurance premium calculation. The insurance premium management database has information on the insurance premium of each member as a record. As a means of acquiring health examination data, an IC card is distributed to each contractor, the result of the medical examination is acquired from a medical institution, stored in the IC card, and connected to the terminal of the insurance company or the terminal at the contractor's home. A method of transmitting the information by reading the information with an integrated IC card reader and accessing the insurance company's insurance premium calculation system, or from a database of a health management center where the insurance premium calculation system periodically manages personal health information. Is used to obtain the information of Hereinafter, the calculation method of the health evaluation will be described. The health check data periodically acquired by the means described above is stored in the health information database in association with the contractor number. Each item of this health information is compared with each item of the corresponding standard value of age and gender in the health standard value database, and the health is calculated using the standard value as 100 points. Whether all the medical examination data is to be used or which item to use may be set according to the type of insurance. The value of the health level item in the health information database is updated with the health level calculated as the comprehensive evaluation. The record before updating is stored in the health information history database, and is used as a regular history of health check data and health level. As the health information, information such as a physical strength test may be acquired and registered by a sports center diagnosis or the like in addition to the health check data.

[0005]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIG. FIG. 1 is a system configuration diagram in a case where health information is acquired by the IC card of the present invention. Reference numeral 11 denotes an IC card for acquiring health information at a medical institution. I
The health information obtained with the C card is the medical record information of the interview results,
Or it is information on the result of a health check. Reference numeral 12 denotes an IC card recorder for recording health information in 11. 13,
Reference numeral 14 denotes a card reader for reading health information of an IC card. Reference numeral 15 denotes a database in which the health information read by the card reader and the degree of health are stored. Reference numeral 16 denotes a database in which 15 health information histories are stored annually. Reference numeral 17 denotes a database in which standard values for calculating the degree of health are stored. Reference numeral 18 denotes a database in which statistical information for calculating insurance premiums is stored. Reference numeral 19 denotes a database storing insurance premiums. FIG. 2 shows data items of the health information database. 21 is a subscriber key numbered when the subscriber enrolls in insurance. Reference numeral 22 denotes basic information of the subscriber such as the date of birth and sex of the subscriber, and reference numeral 23 denotes health information of the subscriber obtained from the IC card. 24
Is the degree of health obtained by comparing the health information of the subscriber with a standard value. 25 is the date when the data was updated. FIG.
It is a data structure of a health history database. 31, 32
Is a data item of the health information history database. FIG.
Shows a data configuration of a health information standard value database, and FIG. 5 shows a data configuration of a health management database.

FIG. 6 is a flowchart showing data update processing and insurance premium recalculation. The insurance premium recalculation processing procedure of the present invention will be described below with reference to FIG. First, in step 60, the medical institution obtains, from the card reader 12, the IC card 11 and the health information such as the medical examination of the subscriber. If it is the first year in step 61, the basic information of the subscriber and the subscriber key are registered in step 62. If it is not the first year in step 61, the contents of the health information database 15 of the previous year are saved in the 16 health information history database. In step 64, the health information obtained from the IC card 11 is obtained from the card readers 13 and 14. At step 65, the health information is compared with the standard value of the health information acquired from the 17 health information standard value database to calculate the degree of health. In step 66, the basic information, health information, and degree of health of the subscriber in the health information database 15 are updated based on the information acquired as described above. In step 67, the statistical information 18 for calculating the degree of health and insurance premium obtained in step 66
To recalculate the premium. In step 68, the insurance premium management database 19 is updated with the insurance premium obtained in step 67. The renewal of the premium has the effect of recalculating a reasonable premium according to the current health condition.

Next, an embodiment of the present invention in the case where health information is obtained from a medical institution will be described. FIG. 7 is a system configuration diagram when health information is obtained from an external organization according to the present invention. The difference from FIG. 1 is that an input device 71 is provided at an external medical institution, a health management center for managing health information is provided in cooperation with a plurality of medical institutions, and health information is collectively managed by a health management database 72. It is. FIG. 8 shows data items of the health management database 72. Medical institution code 8
1 is a code for determining the medical institution that has received the medical inquiry.
The insurance company code 82 is set by the hospital arbitrarily by the subscriber when permitting the data reference of the medical data to a specific insurance company.

FIG. 9 is a flowchart of a contractor's health information acquisition process. Hereinafter, a processing procedure for acquiring health information will be described with reference to FIG. The medical institution transmits health information associated with the subscriber number (step 90). The health management center retrieves the data of the subject from the health management database based on the subscriber number (step 91), adds the relevant subject data to the history (step 92), and updates the health information of the subject (step 93). ). Next, the insurance company transmits an information acquisition request to the health management center using the subscriber number and the insurance company number as access keys (step 94).
The health management center searches for the subscriber number, confirms that the insurance company number of the corresponding information matches the transmitted insurance company number, and transmits the health information data of the subscriber to the insurance company (step 95). No information will be provided if there is a request from a different insurance company for data transmission. The insurance company updates the health information database of the subscriber with the transmitted information (step 96). Based on the updated information, the health degree is calculated and the insurance premium is updated in the same manner as in the embodiment of FIG.

According to this embodiment, in addition to the effects of the system shown in FIG. 1, there is an effect of reducing the trouble of inputting information and information managed by the insurance company.

[0010] In addition, it is conceivable to acquire physical strength and exercise ability data from a fitness gym or the like other than a medical institution and add the data to the items of health information. FIG. 10 shows an example of the configuration of the health management database in this case. Here, the physical strength measurement value is added as an item. When using this data, it is necessary to provide the same items in the health information database of the insurance company, and to add an age / sex standard value database of the physical strength measurement values. According to this example, it is possible to provide a product that is affiliated with a sports club, such as an insurance product whose insurance premium is reduced due to improvement in physical strength.

[0011]

According to the present invention, it is possible to implement a method for periodically updating the premium by quantitatively evaluating the health condition.
This has the effect of reducing the unfairness of insurance members and promoting long-term insurance. It is also possible to provide services such as notifying the subscriber of a health evaluation every year and encouraging efforts to improve health.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram when health information is acquired by an IC card.

FIG. 2 shows data items of a health information database.

FIG. 3 shows data items of a health information history database.

FIG. 4 shows data items of a health standard value database.

FIG. 5 shows data items of an insurance premium management database.

FIG. 6 is a flowchart illustrating data update processing and insurance premium recalculation.

FIG. 7 is a system configuration diagram when health information is obtained from an external institution.

FIG. 8 shows data items of a health management database.

FIG. 9 is a flowchart of a contractor's health information acquisition process.

FIG. 10 shows data items of a health management database to which items other than medical information are added.

[Description of Signs] 11 IC card 12 IC card recorder 13 IC card reader 14 IC card reader 15 Health information database 16 Health information history database 17 Health information standard value database 18 Insurance premium calculation database 19 Insurance management database 21 Subscriber key 22 Basic Subscriber Information 23 Subscriber Health Information 24 Health 25 Data Update Date 31 History Information 1 32 History Information 2 60-63 Flowchart 71 Input Device 72 Health Management Database 90-96 Flowchart

Claims (3)

[Claims] Claims: 1. A contractor's health examination data is periodically acquired in cooperation with a medical institution, a contractor's health evaluation value is calculated from the data, and an insurance premium is calculated using the health evaluation value as a parameter. A method of recalculating insurance premiums by taking in health information, which is characterized by updating to 2. A method for recalculating insurance premiums according to claim 1, comprising health information comprising health check data associated with a policyholder identification number, and periodically acquiring health check data of the policyholder. And recalculating the insurance premium by taking in health information. 3. The method for recalculating insurance premiums according to claim 1, further comprising a health information database management system including a medical examination data, a personal identification number, a data acquisition medical institution code, and a data provision destination code. A system that recalculates insurance premiums by capturing characteristic health information.