JP2003058708A - Data structure for insurance contract assessment data, and system, method and program for assessing insurance contract - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable even a person, who does not medical special knowledge, to easily and speedily assess an insurance contract. SOLUTION: The data structure for computer-readable insurance contract assessment data, is characterized in that a disease assessment record group is formed by providing a plurality of disease assessment records composed of a disease code 31h, with which disease information for specifying a disease is coded, input condition codes 31a-31g, with which a plurality of input conditions for assessing the insurance contract are coded, and output condition codes 32a-32e, with which output conditions showing the assessed result of the insurance contract are coded, corresponding to the combination of the input conditions, and concerning a plurality of disease, a plurality of disease assessment record groups are provided and assessing processing is performed by referring to the output condition codes 32a-32e matched with the combination of a plurality of input condition codes 31a-31g.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a data structure of insurance contract assessment data for carrying out an assessment for concluding an appropriate insurance contract on the basis of information specifying a medical aspect of an insured person, and an insurance contract. An assessment system, an insurance policy assessment method, and an insurance policy assessment program.

[0002]

2. Description of the Related Art Conventionally, based on an application for an insurance contract, a notification of the health condition of the insured, a medical examination report of a doctor, and the like, from the various viewpoints such as whether or not the medical degree of risk is met. It made an assessment, ruled out the inclusion of improper contracts, and decided to accept proper contracts.

[0003]

However, in the conventional assessment, for example, the person performing the assessment manually made a decision based on the application form, the notification form, the medical examination report, and the like. Therefore, each time the number of diseases to be assessed and the conditions required for assessment increase, the number of manuals also increases, and the assessment takes a long time. Even if the necessary conditions for the assessment are complete, it is not always possible to grasp the assessment index and unsecured information that match those conditions. Professional judgment is required. As a result, the assessment would take a longer time and the cost would increase. Therefore, the main body of the assessment is doctors,
This was a very difficult task for anyone who had no medical expertise other than a doctor.

The present invention has been made to solve the above problems, and an object of the present invention is to easily and quickly assess an insurance contract even for a person who does not have medically specialized knowledge. It is to provide a data structure of insurance contract assessment data, an insurance policy assessment system, an insurance policy assessment method, and an insurance policy assessment program that can be performed.

[0005]

According to one aspect of the present invention, a disease code in which disease information for specifying a disease is coded and a plurality of input conditions for assessing an insurance contract are coded. A plurality of disease assessment records composed of input condition codes and output condition codes in which output conditions indicating the assessment result of the insurance contract are coded are provided according to the combination of the input conditions, and disease assessment records are provided. A plurality of disease assessment record groups are provided for a plurality of diseases, and the assessment process is performed by referring to the output condition code that matches the combination of the plurality of input condition codes. A computer readable data structure for insurance policy assessment data is provided.

The term "assessment" as used herein means a medical judgment, and mainly means making a medical judgment for an insured person under an application contract based on a medical examination report.

Here, the encoding is hexadecimal or 1
The conversion refers to conversion into data that can be described in a base number less than 6 and the code means a data that can be described in a hexadecimal number or a base number less than 16. The term “may be described” is intended to include not only the case where certain information is described in hexadecimal number but also the case where it is described in a form including information described in decimal number. Decoding means a process of converting a coded code into information before being coded.

The input condition code is, for example, a code of at least one of sex, age and medical condition, and the output condition code is, for example, a code of assessment index or unsecured information. .

By performing an assessment process using such a data structure, even a person who does not have specialized medical knowledge can quickly and easily without referring to a manual or the like, without asking a doctor or the like to make a decision. An assessment process can be performed.

With such a data structure, a disease assessment record that matches the input condition to be assessed is read from a plurality of disease assessment record groups provided for the plurality of diseases based on the input condition code, The read output condition code is decoded, and the decoded output condition shows the assessment result.
In this way, the input condition code that matches the input condition is read from the data structure composed of multiple records, and the assessment result is derived based on the output condition code described in the record including the read input condition code. can do.

According to one embodiment of the present invention, the disease assessment record has a fixed length and is described in a text file format. As a result, the data reference processing by the computer can be performed at high speed, and the time from when the input condition is given to when the output condition is obtained can be shortened. In particular, the input condition code and the output condition code are described by data consisting of numerical values or symbols, so that the reference processing is further speeded up. More preferably, the disease assessment record has a predetermined fixed-length structure, and the disease code, the input condition code, and the output condition code in the disease assessment record are a single field with data consisting of numerical values or symbols. Described in. In this way, since each code is collectively described in a single field, it is not necessary for the computer to collate the contents described in multiple fields with multiple input conditions one by one, and the input condition codes are referred to as one unit. Therefore, the reference speed is improved. Further, since the output condition code is included in the same field, it is possible to output the output condition without referring to a different field again. As a result, it is possible to shorten the time from the input operation to the output to the user who refers to the data using the computer.

Further, according to one embodiment of the present invention, the input condition and / or the output condition is information specified by a numerical range, and the input condition and / or the input condition corresponding to the output condition. The condition code and / or the output condition code is described by a numerical value that specifies the boundary value of the numerical range.

The above-described data structure according to the present invention is an insurance contract valuation system that performs valuation processing using this data structure, an insurance contract valuation method, an insurance contract valuation program, and a computer-readable record that records the program. It is also established as a medium.

[0014]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing an example of an insurance policy automatic assessment data structure according to an embodiment of the present invention. As shown in FIG. 1, a set of a plurality of coded data consisting only of logical values of either numerical values or symbols constitutes one disease assessment record. One disease assessment record is
It consists of an 85-digit fixed length code listed in a single field.

In the following embodiments, the encoding means conversion into data which can be described in hexadecimal system or in a base system with a radix smaller than 16, and the code is
Refers to data that can be described in hexadecimal or in bases with a base less than 16. It should be noted that "can be described" is not limited to the case where certain information is coded only in hexadecimal system or a specific system, but is also coded to include information described in decimal number. This is because the case is also included.
Decoding means a process of converting a coded code into information before being coded. Further, the logical value indicates a value that can be described in hexadecimal system or in a base system having a radix smaller than 16, and is usually represented by a numerical value or a specific symbol.

A plurality of disease assessment records are provided according to combinations of input condition codes. The disease assessment records are roughly classified into an input condition code group and an output condition code group. The input condition code group includes a plurality of input condition codes, and the output condition code group includes a plurality of output condition codes.

The input condition code is a code of information required to be input in order to specify an assessment index or unsecured information for judging an automatic insurance contract assessment.
That is, the input condition code is obtained by coding representative information that affects the assessment index or unsecured information. The output condition code is a code of an assessment index or unsecured information which is an element of assessment. The insurance contract is assessed based on the assessment index and unsecured information obtained by decoding these output condition codes.

The term "assessment" as used herein means a medical judgment, and mainly means making a medical judgment for the insured under the application contract based on the medical examination report. According to this assessment, the application contract is classified into “unconditional”, “special condition”, “abstinent”, etc. as the assessment result. The assessment index is numerical information used as a standard for performing such classification, and the above classification can be performed by referring to the value of this assessment index. What is unsecured information?
This is information for specifying the object that cannot be covered by the application contract, and more specifically, it is specified by the unsecured part, the unsecured period, and the like.

There are a plurality of input condition codes, and the contents of each input condition code are different for each record. That is,
When making an assessment, there can be multiple combinations of input conditions required for the assessment. This combination of input conditions is collectively defined in the input condition code group of each record.

There are a plurality of output condition codes in each record.
Each output condition code is a code that specifies an assessment index or unsecured information for a combination of input conditions of a record including the output condition code.

The specific contents of each input condition code and each output condition code are shown in FIG. As shown in FIG. 2, the first and last digits, the number of digits, and the contents of the data item of each record consisting of 85 digits are shown.

The input condition code is defined in the first to 48th digits of the 85-digit record. For example, a data item (input condition code) consisting of 5 digits for an item having a start digit of 1 and an end digit of 5 is an ID number and specifies the order of records. In the example of FIG. 1, from the beginning of the record to the lower records, “01077” to “010
The data item (input condition code) consisting of 6 digits with the first digit 6 and the last digit 11 indicates the disease code name. In the example of FIG. The disease code name indicated by "014E" from the first to sixth records, and "014F +" from the seventh record.
Indicates the disease code name indicated by A ". If the disease code name is 4 digits instead of 6 digits, the 6th to 9th digits include the logical value, but the 10th and 11th digits are You can leave it blank.

The above-mentioned ID number and disease code name are management codes for managing each record, and the input condition for specifying the disease is indicated by the 12- to 48-digit code of each record. . The input condition code of 12 to 48 digits of each record is the number of digits shown in FIG.
Specified by the digit position, each data item (input code) is a gender range, an age range, a situation 1 range to a situation 5 range, a judgment 1 and a judgment 2. Situations 1 to 5 are items that indicate the medical condition of the insured person, and are specified by the period, the number of times, and the like.

For example, the gender range is specified by a code having a digit number of 2 in the 12th and 13th digits. 1 for men and 2 for women. Then, since the content is specified by "... more than or less", [02] becomes more than 0 and less than 2, which means that both men and women. [01] becomes more than 0 and less than 1
That is, it means only men. [12] becomes greater than 1 and less than or equal to 2 and has the meaning of only 2, that is, only female. [00] is greater than 0 and less than or equal to 0, meaning that nothing is applicable, that is, neither male nor female is applicable.

The output condition code is defined in the 49th to 85th digits of the 85-digit record. For example, the data item (output condition code) whose start digit and end digit correspond to the 49th digit is a circulation determination, and specifies whether or not it is necessary to transmit to a doctor. In the example of FIG. 1, when the code is “M”, it is necessary to circulate, and when the code is blank, it is not necessary to circulate.

A method of generating the insurance policy automatic assessment data structure shown above will be described. For example, as shown in FIG. 3, a doctor or based on a doctor's instruction collectively describes the assessment index or unsecured information in one initial file for each disease. Therefore, the initial file is generated by the number of diseases. Of course, the file size may not be generated for each disease, and the file size may be adjusted according to the number of combinations of input conditions. In the example of FIG. 3, sex 31a, age 31b, situation 3 (31c), situation 5 (31d), situation 4 (31e), situation 2 (31f), situation 1 (31g),
Six combinations of output conditions are described for all combinations of eight input conditions for eight input conditions of disease 31h. There are a plurality of disease names because a combination of six output conditions with respect to a combination of eight input conditions can be commonly obtained for a plurality of described diseases. The output condition is the main contract condition 32
a, disease special condition 32b, adult special condition 32c, female special condition 32d, and circulation determination 32e. The format of the output condition is determined in advance, and is described based on the determined format. A main contract is a contract that provides basic insurance benefits, and refers to a contract that is established and functions as a single contract.A special contract does not function as a contract by itself and is added to the main contract. By doing so, it will be the first time that a contract will be established.
It refers to contracts that have different agreements from the main contract, such as expansion of coverage or insurance payment methods.

For example, gender 31a is male, age 31b is 20 years old, situation 3 (31c) is 0, situation 5 (31d) is "b1", situation 4 (31e) is 0 to 99, situation 2 (31).
When f) is “d1” and the disease 31h is “whiplash disease”,
The main contract condition 32a is "0", and the disease special contract condition 32b is "0".
022100 ", the adult special condition 32c is" 0 ", the female special condition 32d is" 0 ", and the referral determination 32e is"". The disease special condition 32b, the adult special condition 32c, the female special condition 32d. The sickness covenant condition condition 32b includes information indicating the condition of the sickness covenant as an excess index and unsecured information of the sickness covenant, for example, the number of unsecured years, one or a plurality of unsatisfied conditions. It contains information identifying the collateral site.

Next, the initial file shown in FIG. 3 in which each input condition and each output condition are associated is recorded. That is,
For each combination of input conditions, the output condition associated with that combination is described in the same record. That is, a record having one of the combinations of the input conditions and the combination of the output conditions corresponding to the combination as the data item is generated. Therefore, one record is composed of a plurality of input conditions and a plurality of output conditions. Such recording is performed for all combinations of input conditions, and a primary insurance contract automatic assessment file is generated. This primary insurance contract automatic assessment file is composed of a plurality of records. Further, each input condition and each output condition of the record are described in different fields, and therefore one record has a plurality of fields.

FIG. 4 shows an example of the generated primary insurance contract automatic assessment file. As shown in FIG. 4, input conditions are described in a plurality of data items, output conditions are described in a plurality of data items, and one record is configured by these input conditions and output conditions. What is shown in the lower column at the end of the record in FIG. 4 is the correspondence with the initial file shown in FIG.

The input conditions of FIG. 4 are as follows.

The sex 31a is divided into two data items, and each data item is associated with the input condition for male and female. For the input condition where the condition is set by the two parameters of the upper limit and the lower limit, 2
One data item is assigned. That is, the age 31b is divided into two data items, and the applicable minimum age and maximum age ranges are associated with each other. Situation 3 (31c) and situation 1 (31g) are divided into two data items. The situation 5 (31d), the situation 4 (31e), and the situation 2 (31f) are each divided into two data items, and the lower limit and the upper limit are associated with each data item. The illness 31h is converted into a logical value consisting of numerical values and symbols according to a predetermined method.

The output conditions shown in FIG. 4 are all converted into numerical or symbolic logical values. Main contract condition 32a, disease special condition 32b, adult special condition 32c, female special condition 3
All 2d are digitized. In addition, adult special conditions 3
2c and the female covenant condition condition 32d are each assigned three data items, one is a numerical value that specifies the evaluation index of the covenant, one is a code that specifies the unsecured period, and one is a code that specifies the unsecured part Is. Three data items are assigned to the distribution determination 32e, and each data item is converted into a numerical value or a logical value of a symbol. The shield condition and the rewrite condition 32f are not specified in the initial file, but two data items are provided for future use.

The primary insurance contract automatic assessment file is described by compressing a plurality of input conditions shown in the initial file. That is, when different combinations of input conditions take the same combination of output conditions,
Instead of generating one record for each combination, one record is generated for a plurality of combinations. For example, in the initial file of FIG.
(31d) is "b1" and situation 3 (31c) is "c2"
Alternatively, in the case of “c3”, the output condition is common regardless of the condition 1 (31g). Therefore, situation 3 (31
In case c), only the lower limit is a finite value and the upper limit is not a substantially finite value, and situation 1 (31g) is a combination of a plurality of input conditions in which the lower limit and the upper limit are not substantially finite. Described in one record. As a result, it is sufficient to describe one record for a plurality of combinations of input conditions and output conditions, and the data processing speed can be increased. Note that "a1" to "a3" and "b1" shown in FIG.
~ "B3", "c1" to "c3", "d1" to "d3"
, Etc. are indicated by English letters and numerical values, but they are simplified for simplifying the explanation of the present invention, and actually, for example, to specify the situations 1 to 5 such as the period and the number of times. Have information.

In the primary insurance contract automatic assessment file shown in FIG. 4, the input condition is described by character information, and the output condition is described by a numerical value or a logical value of a symbol. In order to further speed up the processing from this file format, each data of the primary insurance contract automatic assessment file shown in FIG. 4 is converted into a numerical value or a symbolic logical value. The conversion is executed according to a predetermined conversion method. FIG. 5 shows the second data obtained by converting each data of the primary insurance contract automatic assessment file shown in FIG. 4 into a logical value.
It is a figure which shows an example of the following insurance contract automatic assessment file. What is shown in the lower column at the end of each record in FIG. 5 is the correspondence with the primary insurance contract automatic assessment file shown in FIG. As shown in FIG. 5, as in FIG. 4, each input condition and each output condition of the record are described in different fields, so one record has a plurality of fields.

Each record shown in FIG. 5 is provided corresponding to a combination of input conditions. Therefore, there are as many records as there are combinations of input conditions. However, as the number of combinations increases, the number of records increases accordingly, which may increase the processing load on the computer and reduce the processing speed.

Therefore, a process for integrating the records of the secondary insurance contract automatic assessment file shown in FIG. 5 is performed, and each data item described in a plurality of fields is not described in a single field. A third insurance policy automatic assessment file is generated by reducing the free space. The integration process is a process of combining duplicate records into a single record in each record.

An example of the integration process will be described. For example, information specified by two values such as the circulation determination 32e is converted into a one-digit logical value. In addition, information specified by 4 values such as gender 31a, that is, information that is specified by 4 values such as only male, only female, both male and female, both male and female, does not include two digits. Converted to logical value.

Further, the information whose range is specified by the upper limit and the lower limit is converted into a logical value having a number of digits which is twice the number of digits required for describing the upper and lower limits in decimal.
For example, when the age 31b is specified by the upper limit and the lower limit,
For example, it is specified by a one-digit or two-digit numerical value such as 3 years old or 51 years old. Therefore, since 2-digit data is required as data for specifying the upper limit and 2-digit data is required as data for specifying the lower limit, the age 31b is converted into a 4-digit logical value. On the other hand, Situation 1 (31g) is usually described by a one-digit decimal number, such as once and twice, and therefore, one-digit data is required for both the upper limit and the lower limit. Situation 1 (31g) Is converted to a two-digit logical value.

When the input condition and the output condition represent a plurality of numerical values, a logical value corresponding to each numerical value may be prepared and converted. For example, main contract condition 3
Since 2a includes two values, that is, the number of years of reduction of the main contract and the main contract assessment index, data corresponding to the number of years of reduction and data corresponding to the main contract assessment index are required. Therefore,
It is converted into a logical value necessary for specifying these data. When the number of years of reduction is a 1-digit numerical value and the main contract assessment index is specified by a 3-digit numerical value, the main contract condition 32a is converted into a 4-digit logical value.

The third obtained by the above integration processing
The data structure of the next insurance contract automatic assessment file is as shown in FIG. As shown in FIG. 1, each record is composed of a logical value of 85 digits, and each logical value can be represented as at least a hexadecimal code or data represented by a hexadecimal number corresponding to the hexadecimal code. That is, all data can be described by 16 types of information. In the example of FIG. 1, “##” corresponds to −1. The third insurance contract automatic assessment file shown in FIG. 1 is described in a text format, and each record is separated by a control code indicating a line break so that each record has a fixed length of 85 digits. There is.

As described above, the information expressed as numerical values remains numerical values, and the information that cannot be expressed by numerical values is replaced with numerical values or symbols to generate a file. As a result, when the administrator of this data structure manages the data structure that confirms the numerical values that specify the input condition and the output condition by the numerical values shown in FIG. 1, it facilitates the processing speed of the computer. Data structure is realized. That is, as compared with the case where data is read as a file to which data is assigned for each data item, the speed of data processing of a computer that refers to data of a predetermined fixed length as a text file can be increased. On the other hand, although the fixed-length data is in a text file format that can be easily read by a computer, the data administrator can read the numerical values that specify the input condition and the output condition from the text file. It is possible to manage the data in the text file format of FIG. 1 as it is without referring to the data converted to the data format shown in FIG. 4 and FIG. can do. As a result, the accuracy of data maintenance is improved. Further, since it is not necessary to perform reverse conversion, data management work is reduced.

Next, the valuation process using the third insurance contract automatic valuation file shown in FIG. 1 will be described. In order to execute this assessment process, input means for causing a computer to enter necessary conditions for assessing an insurance contract, coding means for coding the conditions input by the input means, and a third insurance contract Insurance including extraction means for extracting a record having an input condition code matching the encoded input condition from an automatic assessment file, and output means for decoding an output condition code of the extracted record and outputting an assessment result A contract assessment system is used.

First, the input conditions indicated by 31a to 31h are input to the computer from the planned insured who is the subject of the insurance contract conclusion and is to be the insured. The input data is, for example, according to the display screen as shown in FIG.
Select the input condition. The computer refers to the text file shown in FIG. 1 and extracts a record indicating a combination of input conditions specified by the input condition selection information, based on the input condition code included in each record. Specifically, the code of 1 to 48 digits of a fixed-length 85-digit record is sequentially read from the first record, and the input condition given by the prospective insured is coded by the computer (input condition Code). Then, when the code included in the text file and the coded input condition given by the planned insured person match, the record is extracted. When a plurality of diseases are selected as input conditions, this extraction process is performed for each disease. Further, when the extraction for one disease is completed, the record for that disease is not searched thereafter, and the extraction processing for another disease is started. In this way, extraction processing is performed for all selected diseases. In this way, since the top record is searched sequentially, it is desirable to describe the record to be prioritized in the upper record.

Then, the output condition corresponding to the output condition code included in the record shown in the record is converted into a human-readable format, and the display screen (not shown) is displayed.
To display. An output example of the display screen is shown in FIG.

As shown in FIG. 7, the output results of the main contract condition 32a, disease special condition 32b, adult special condition 32c, female special condition 32d, and circulation judgment 32e are displayed. Specifically, in order to output to the display screen as shown in FIG. 7,
A display screen generation table is created in which display information is associated with each output condition code, and the display information corresponding to the extracted output condition code is read from the display screen generation table. Then, by displaying the read display information on the display screen, the display screen shown in FIG. 7 is obtained.

The insurance contract valuation manager can evaluate the insurance contract of the planned insured by referring to the information on the display screen. When "M times" is displayed on the display screen, the assessment index and unsecured information are displayed in the same manner as when they are not displayed, but the assessment information including the assessment index and unsecured information is displayed to the doctor. It is circulated and the doctor finally judges whether the assessment is possible.

As can be seen from the display screen of FIG. 7, the evaluation index of the main contract, the evaluation index of the special contract, the unsecured period and the unsecured portion of the special contract, the evaluation index of the adult special contract, the unsecured period of the adult special contract, and The unsecured part, the evaluation index of the female covenant, the unsecured period of the female covenant and the unsecured part are displayed.

Although the case of calculating the main contract of a prospective insured person, the assessment index of various special contracts and the unsecured information is shown above, the present invention is not limited to this, and may be calculated for each contract, for example. Good.

The present invention is not limited to the above embodiment. For example, although the input condition and the output condition have been described with specific examples, each condition is not limited to those shown above, and different input conditions and output conditions should be set according to the conditions required for the assessment. You can also Moreover, although the case where the assessment process is performed using the text file shown in FIG. 1 is shown, the assessment process may be performed using the files shown in FIGS. 3 to 5, for example.

Further, although the text file shown in FIG. 1 shows an example in which the input condition and the output condition are described in a single field, each condition may be described in a plurality of fields according to the attribute of the data. Alternatively, a plurality of input conditions and output conditions may be subdivided and described in different fields. Further, the text file shown in FIG. 1 may be further simplified, and each record may be described as a binary file, for example.

Further, the case where a program for assessing an insurance contract is installed in a computer and the functions of the present invention are executed by the program is shown. For example, a computer-readable recording medium recording this program is connected to the computer. Read from the recording medium reader,
You may make a computer perform the said function.

[0053]

As described above in detail, according to the present invention, even a person who does not have medically specialized knowledge can easily and quickly evaluate an insurance contract.

[Brief description of drawings]

FIG. 1 is a diagram showing an example of an insurance policy automatic assessment data structure according to an embodiment of the present invention.

FIG. 2 is a diagram showing the contents of an input condition code and an output condition code of the insurance contract automatic assessment data structure according to the embodiment.

FIG. 3 is a diagram showing an example of a configuration of an initial file according to the same embodiment.

FIG. 4 is a view showing an example of a primary insurance contract automatic assessment file according to the embodiment.

FIG. 5 is a view showing an example of a secondary insurance contract automatic assessment file according to the embodiment.

FIG. 6 is an exemplary view showing an example of an input condition input screen according to the embodiment.

FIG. 7 is an exemplary view showing an example of an output screen of output conditions according to the embodiment.

[Explanation of symbols]

31a ... sex 31b ... age 31c ... Situation 3 31d ... Situation 5 31e ... Situation 4 31f ... Situation 2 31g ... Situation 1 31h ... disease 32a ... Main contract conditions 32b ... Disease special conditions 32c ... Adult special conditions 32d ... Female terms and conditions 32e ... Circulation judgment 32e

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Takeshi Uchiyama             3-8-1, Nihonbashi Ningyocho, Chuo-ku, Tokyo

Claims (10)

[Claims] 1. A disease code in which disease information for identifying a disease is coded, an input condition code in which a plurality of input conditions for assessing an insurance contract are coded, and an insurance contract assessment result. A plurality of disease assessment records composed of the output condition code in which the output conditions are coded are provided according to the combination of the input conditions to form a disease assessment record group, and the disease assessment record group is associated with a plurality of diseases. A data structure of computer-readable insurance contract assessment data, wherein a plurality of the computer-readable insurance policy assessment data are provided, wherein the assessment process is performed by referring to the output condition codes that match the combination of the plurality of input condition codes. 2. A disease assessment record that matches the input condition to be assessed in the insurance contract assessment data structure is selected from a plurality of disease assessment record groups provided for the plurality of diseases based on the input condition code. 2. The computer-readable device according to claim 1, wherein the read output condition code is read and decoded, and the decoded output condition indicates the assessment result. Data structure of various insurance contract assessment data. 3. The data structure of computer-readable insurance policy assessment data according to claim 1, wherein the disease assessment record has a fixed length and is described in a text file format. 4. The data structure of computer-readable insurance contract assessment data according to claim 1, wherein the input condition code and the output condition code are described by data consisting of numerical values or symbols. 5. The input condition and / or the output condition is information specified by a numerical range, and the input condition code and / or the output condition code corresponding to the input condition and / or the output condition are The data structure of computer-readable insurance contract assessment data according to claim 1, wherein the data structure is described by a numerical value that specifies a boundary value of the numerical range. 6. The disease assessment record has a structure of a predetermined fixed length, and the disease code, the input condition code, and the output condition code in the disease assessment record are united by data consisting of numerical values or symbols. The data structure of computer-readable insurance policy assessment data according to claim 1, characterized in that 7. The input condition code is coded for at least one of sex, age, and medical condition,
The data structure of the computer-readable insurance contract assessment data according to claim 1, wherein the output condition code is a coded assessment index or unsecured information. 8. An input unit for causing a computer to input conditions necessary for assessing an insurance contract, a coding unit for coding the conditions input by the input unit, and a disease for identifying a disease. A disease code in which information is encoded, an input condition code in which a plurality of input conditions for performing an insurance contract assessment are encoded, and an output condition code in which an output condition indicating an insurance contract assessment result is encoded. A disease assessment record composed of, a plurality of disease assessment record groups are provided according to the combination of the input conditions to form a disease assessment record group, and the disease assessment record group is provided for a plurality of diseases from a disease assessment data file, Extraction means for extracting a record having an input condition code that matches the encoded input condition; and an output condition code of the extracted record And an output unit for decoding the result and outputting the result of the assessment. 9. A step of causing a computer to input conditions necessary for assessing an insurance contract, a step of encoding the conditions input by the input means, and disease information for specifying a disease is coded. It is composed of a coded illness code, an input condition code that encodes multiple input conditions for assessing an insurance contract, and an output condition code that encodes an output condition indicating the assessment result of the insurance contract. A plurality of disease assessment records are provided according to the combination of the input conditions to form a disease assessment record group, and the disease assessment record group is provided for a plurality of diseases, and is encoded from the disease assessment data file. Extracting a record having an input condition code that matches the input condition, and outputting the output condition code of the extracted record. And a step of outputting the assessment result by coding the insurance policy assessment method. 10. A step of causing a computer to input conditions necessary for assessing an insurance contract, a step of encoding the conditions input by the input means, and disease information for specifying a disease is coded. It is composed of a coded illness code, an input condition code that encodes multiple input conditions for assessing an insurance contract, and an output condition code that encodes an output condition indicating the assessment result of the insurance contract. A plurality of disease assessment records are provided according to the combination of the input conditions to form a disease assessment record group, and the disease assessment record group is provided for a plurality of diseases, and is encoded from the disease assessment data file. Extracting a record having an input condition code that matches the input condition, and an output condition code of the extracted record Insurance underwriting program for executing a step of outputting the assessment result by decoding.