JP2016194821A - Insurance contract support device, insurance contract support method and insurance contract support program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance contract support device capable of objectively evaluating an influence that a health status of a person exerts on subscription conditions, an insurance contract support method and an insurance contract support program.SOLUTION: The insurance contract support device of an embodiment includes a collection part, a data management part and an analysis part. The collection part collects health information regarding the health of a person including a plurality of parameters and insurance information regarding premium and contents of an insurance that the person has subscribed to. The data management part causes a storage part to store the health information and insurance information collected by the collection part in association with each other for each person. The analysis part analyzes an influence that a variation in each parameter included in the health information collected by the collection part exerts on the insurance on the basis of the correspondence between the health information and the insurance information which the data management part causes the storage part to store.SELECTED DRAWING: Figure 1

Description

  Embodiments described herein relate generally to an insurance contract support apparatus, an insurance contract support method, and an insurance contract support program.

  2. Description of the Related Art In recent years, with increasing health consciousness, attention has been focused on a technique for managing a person's health status in a database using receipt data, medical examination data, and the like as information sources. In addition, research is being conducted on technology for the convenience of subscribers when subscribing to insurance such as medical insurance and life insurance. However, with the conventional technology, it has not been possible to objectively evaluate the influence of human health conditions on insurance participation conditions.

Japanese Patent Laying-Open No. 2015-005219 JP 2014-232527 A JP, 2014-104260, A

  The problem to be solved by the present invention is to provide an insurance contract support apparatus, an insurance contract support method, and an insurance contract support program capable of objectively evaluating the influence of the health condition of a person on the insurance conditions. That is.

  The insurance contract support apparatus according to the embodiment includes a collection unit, a data management unit, and an analysis unit. The collection unit collects health information relating to human health, including health information including a plurality of parameters, and insurance information relating to insurance premiums and insurance contents of the insurance that the person has joined. The data management unit stores the health information and insurance information collected by the collection unit in the storage unit in association with information from the same person. The analysis unit, based on the correspondence between the health information stored in the storage unit by the data management unit and the insurance information, the effect that the change of each parameter included in the health information collected by the collection unit has on the insurance Is analyzed.

The figure which shows the structure and use environment of the insurance contract assistance apparatus 1 of embodiment. The external appearance block diagram of the active mass meter 102 of embodiment. The external appearance block diagram of the vital sensor 104 of embodiment. The figure which shows an example of the information stored as the health information database. 5 is a flowchart showing an example of a flow of processing executed by the data management unit 20. The figure which shows an example of the information stored as the cleansing corresponding | compatible information 73. FIG. The figure which shows typically the content of a data cleansing process and a matching process. The figure which shows an example of the information stored as the insurance information database 74. FIG. 4 is a flowchart illustrating an example of a flow of processing executed by an analysis unit 30. The figure for demonstrating the process by the analysis part. The flowchart which shows an example of the flow of the process performed by the premium reduction item selection part 42. FIG. The figure which shows an example of the information stored as the partner company database 75. FIG. The sequence diagram which shows an example of the flow of the process performed centering on the insurance contract assistance apparatus 1 of embodiment.

  Hereinafter, an insurance contract support apparatus, an insurance contract support method, and an insurance contract support program of an embodiment will be described with reference to the drawings.

  FIG. 1 is a diagram illustrating a configuration and usage environment of an insurance contract support apparatus 1 according to the embodiment. The insurance contract support apparatus 1 is a device for collecting information such as a user terminal 100, a pharmacy terminal 110, a clinic terminal 120, and a hospital terminal 130 via a network NW such as a WAN (Wide Area Network) or a LAN (Local Area Network). And the insurance company terminal 200. The insurance contract support apparatus 1 registers and manages information collected from information collecting devices (health information) and insurance premiums and insurance contents (insurance information) obtained from the person who took the insurance in a database. It is a device that generates and outputs recommended information for supporting subscription. Insurance is, for example, medical insurance or life insurance provided by an insurance company. The insurance may include insurance provided by a public union or a specific independent administrative corporation.

[About various devices]
Prior to the configuration of the insurance contract support apparatus 1, various information collection devices and the insurance company terminal 200 will be described. The user terminal 100 is a terminal device such as a smartphone or a tablet terminal. The user terminal 100 communicates with the activity meter 102 or the vital sensor 104 via Bluetooth (registered trademark), a USB cable, or the like.

  The activity meter 102 is, for example, a wristband type activity meter worn on a person's wrist. FIG. 2 is an external configuration diagram of the activity meter 102 according to the embodiment. The activity meter 102 is used by being attached to a wrist of a person in a state where a main body (not shown) is attached to the wristband unit 102A. The main unit is provided with a button 102B and a display unit 102C, and also includes a communication device for communicating with the triaxial acceleration sensor and the user terminal 100, a processor such as a CPU (Central Processing Unit), various storage devices, and the like. . A charging terminal is provided on the side of the main body opposite to the display portion 102C. The display content of the display portion 102C is visible by exposing the surface to the outside through a hole formed in the wristband portion 102A. Further, the button 102B is used in a state covered with the side wall portion 102Aa of the wristband portion 102A, and is pushed together with the side wall portion 102Aa of the wristband portion 102A.

  The activity meter 102 is set to a mode (pairing mode) capable of communicating with the user terminal 100 by an operation on the button 102B. The operation mode of the activity meter 102 can be recognized by changing the display mode of the display unit 102C. The activity meter 102 can measure various human activities together with the user terminal 100 by installing a dedicated application on the user terminal 100. For example, the dedicated application of the user terminal 100 can calculate the number of steps, the moving distance, the calorie consumption, or the sleeping time of the person wearing the activity meter 102 based on the detection value of the triaxial acceleration sensor of the activity meter 102. measure. Such a measurement function may be provided on the active mass meter 102 side. Further, the activity meter 102 can record the time of eating, the time of bathing, and the like by a tap operation on the main body.

  The vital sensor 104 is, for example, a wearable biological information sensor that is attached to a human body (such as a chest) with a conductive gel pad and can continuously measure a person's cardiac potential, pulse wave, triaxial acceleration, and skin temperature. FIG. 3 is an external configuration diagram of the vital sensor 104 according to the embodiment. The left figure of FIG. 3 shows the surface of the vital sensor 104 on the front side, and the right figure of FIG. 3 shows the surface of the back side of the vital sensor 104 (side attached to the human body). On the back side of the vital sensor 104, cardiac potential sensors 104A and 104B, a skin temperature sensor 104C, and a pulse wave sensor 104D are provided. In addition, the vital sensor 104 includes a triaxial acceleration sensor, a communication device for communicating with the user terminal 100, a processor such as a CPU, various storage devices, and the like. The vital sensor 104 calculates a heartbeat interval, a pulse wave interval, a body movement amount, a posture, and the like based on vital information detected by each sensor. The detection result and calculation result of the vital sensor 104 are returned to the user terminal 100 by, for example, transmitting a command for an API prepared in advance in the vital sensor 104 from the user terminal 100. The dedicated application installed in the user terminal 100 generates various display images based on the information acquired from the vital sensor 104 and displays the display images on the display unit.

  The user terminal 100 transmits various biological information (health information) acquired from the activity meter 102 or the vital sensor 104 to the insurance contract support apparatus 1 via the network NW. In addition, the user terminal 100 accepts input of insurance premiums and insurance details (insurance information) when a person joins the insurance, and recognizes the correspondence with health information (for example, an address, name, etc. are specified) To the insurance contract support apparatus 1. The insurance information may include the fact that the insurance could not be taken. Further, the user terminal 100 may acquire health information from a body composition meter or a sphygmomanometer instead of (or in addition to) the activity meter 102 and the vital sensor 104.

  The pharmacy terminal 110 is a dedicated terminal installed in the pharmacy or a general-purpose personal computer. The pharmacy testing device 112 is a testing device installed in the pharmacy where the pharmacy terminal 110 is installed, and includes, for example, a blood testing device and a breath testing device. The blood test device analyzes the components of blood collected from humans, and displays test results such as blood glucose level, HcA1c, neutral fat, HDL cholesterol, LDL cholesterol, AST (GOT), ALT (GPT), and γ-GTP. Output. The breath test apparatus analyzes a breath component of a person who has swallowed the test medicine, and outputs a result of checking whether or not the patient is infected with H. pylori.

  The pharmacy terminal 110 includes an input device such as a keyboard and a mouse, for example, and an inspection result by the pharmacy inspection device 112 is manually input to the pharmacy terminal 110 by a pharmacist or the like. Instead of this, the inspection result of the pharmacy inspection apparatus 112 may be automatically imported to the pharmacy terminal 110 via a LAN or the like. In addition, a medication history that is a history of medication prescribed to a person is manually or automatically input to the pharmacy terminal 110. The pharmacy terminal 110 transmits various information (health information) to the insurance contract support apparatus 1 by accessing a specific website using, for example, a browser function and transmitting form data. Moreover, the pharmacy terminal 110 may transmit the receipt data, which is a description of the medical fee, to the insurance contract support apparatus 1 via the network NW.

  The clinic terminal 120 is a dedicated terminal installed in a clinic such as a dentist or an ophthalmologist, or a general-purpose personal computer. The clinic inspection device 122 is a device installed in the clinic where the clinic terminal 120 is installed. For example, a device used for a health check performed in the clinic, a device for examining periodontal disease from saliva. A DNA testing device. In the clinic terminal 120, for example, an electronic medical record system is introduced, and the results (test results, medication history, etc.) previously examined in the clinic or hospital can be browsed. The clinic terminal 120 converts information (health information) input to the electronic medical record system into a predetermined format and transmits the information to the insurance contract support apparatus 1 via the network NW. In addition, the clinic terminal 120 transmits the receipt data, which is a description of the medical fee, and the health information of the data (medical examination data) of the medical examination performed at the clinic to the insurance contract support apparatus 1 via the network NW. Also good.

  The hospital terminal 130 is a dedicated terminal installed in a hospital, a general-purpose personal computer, or the like. The hospital device 132 is a device installed in a clinic where the hospital terminal 130 is installed. For example, a device used for a health check performed in a hospital, a CT (Computed Tomography) device. MRI (Magnetic Resonance Imaging) apparatus, PET (Positron Emission Tomography) apparatus, heavy ion radiotherapy apparatus, and the like. The hospital terminal 130 transmits information (health information) such as a human body image acquired by the hospital device 132 to the insurance contract support device 1 via the network NW. In addition, the hospital terminal 130 makes an insurance contract through the network NW for health information such as various test results, medication history, receipt data which is a description of medical fees, and data of medical examinations conducted at the hospital (medical examination data). It transmits to the support apparatus 1.

  The insurance company terminal 200 is a dedicated terminal used by an insurance provider or a general-purpose personal computer.

[Insurance contract support equipment]
Hereinafter, the configuration and function of the insurance contract support apparatus 1 will be described. The insurance contract support apparatus 1 includes, for example, a communication interface 10, a data management unit 20, an analysis unit 30, a recommended information generation unit 40, a billing management unit 50, and a storage unit 70. The recommended information generation unit 40 includes an insurance premium reduction item selection unit 42 and an insurance participation possible condition estimation unit 44. The data management unit 20, the analysis unit 30, the recommended information generation unit 40, and the billing management unit 50 are software function units that function when a processor such as a CPU executes a program 71 stored in the storage unit 70, for example. is there. That is, the insurance contract support apparatus 1 can also be realized by using a general-purpose computer apparatus as basic hardware. In this case, the insurance contract support apparatus 1 may be realized by installing the program 71 in the computer device in advance, or it may be stored in a storage medium such as a CD-ROM or distributed through the network. Then, this program may be realized by appropriately installing it in a computer device. Note that some or all of the functional units may be hardware functional units such as LSI (Large Scale Integration) and ASIC (Application Specific Integrated Circuit).

  The storage unit 70 is realized by an HDD (Hard Disk Drive), an SSD (Solid State Drive), a ROM (Read Only Memory), a RAM (Random Access Memory), or the like. In addition to the program 71 described above, the storage unit 70 stores information such as a health information database 72, cleansing correspondence information 73, an insurance information database 74, an affiliated company database 75, and the like. A part or all of the storage unit 70 may be realized by an external device viewed from the insurance contract support device 1 using a NAS (Network Attached Storage) device or the like.

  The communication interface 10 includes hardware (for example, a network card) for connecting to the network NW. The communication interface 10 is an example of a “collection unit”. The communication interface 10 collects the above-described health information and insurance information from the user terminal 100, the pharmacy terminal 110, the clinic terminal 120, and the hospital terminal 130. The health information or the insurance information may be manually input using an input unit (not shown) provided in the insurance contract support apparatus 1.

[Data management]
The data management unit 20 performs a cleansing process and a matching process on the health information collected by the communication interface 10 to construct the health information database 72.

  FIG. 4 is a diagram illustrating an example of information stored as the health information database 72. As shown in the figure, in the health information database 72, for example, items roughly classified into basic information, life factors, environmental factors, genetic factors, and medical data are associated with a subject ID that is identification information of the subject. Information. Hereinafter, the person from whom the health information has been acquired is referred to as a “subject”. An item group associated with the subject ID of one subject is referred to as a “record”. Of the items in the health information database 72, items excluding genetic factors are time-series data associated with the collected date and time or the date and time of examination.

  The basic information includes items such as the age, sex, height, and weight of the subject. The life factor includes items such as the working time of the subject, sleep time, presence or absence of alcohol consumption, presence or absence of smoking, frequency or amount of exercise, calorie consumption per unit time (for example, a day), and the like. The environmental factors include, for example, natural environmental factors such as air quality, water quality, climate, and amount of solar radiation, workplace environmental factors such as heat and cold, and human factors such as interpersonal environment. The item “heat” of the workplace environment factor is an item indicating whether or not working in a high temperature environment such as a steel mill. Further, the item “cold air” of the workplace environment factor is an item indicating whether or not working in a cold / warm environment such as a frozen food storage. The interpersonal environment is an item indicating, for example, whether or not the family or friends are particularly stressed. Each item of basic information, life factors, and environmental factors is acquired from, for example, medical examination data (questionnaire) collected from the clinic terminal 120 or the hospital terminal 130.

  Genetic factors include items such as various DNA information strongly related to a specific disease and family medical history. The medical data includes items such as disease history, medical checkup history, medication history, surgery history, vaccination history, blood test results, saliva test results, breath test results, blood pressure, visual acuity, and the like.

  Information that is the source of the health information database 72 is first stored in the buffer area of the storage unit 70. Then, the process of the data management unit 20 prepares the format of the health information database 72 in which each item is associated with the subject ID. This will be described below. FIG. 5 is a flowchart illustrating an example of the flow of processing executed by the data management unit 20. The processing of this flowchart is executed at a predetermined cycle (for example, about once a day).

  First, the data management unit 20 sorts the health information stored in the buffer area of the storage unit 70 in the order of subjects (step S100). Next, the data management unit 20 selects one target person from the health information arranged in the order of the target persons (step S102), and the selected target person is not registered in the health information database 72. Is determined (step S104). When the selected target person is a new target person, the data management unit 20 assigns the target person ID to the target person and adds a new record to the health information database 72 (step S106).

  Next, the data management unit 20 sorts the health information about the subject selected in step S102 by type (step S108). The “type” of health information is, for example, the source of health information and the type of data, such as “checkup data collected from XX clinic”, “XX blood test results collected from pharmacies”, etc. It is the kind specified based on.

  Next, the data management unit 20 selects one type of health information from the health information about the subject selected in Step S102 (Step S110). Then, the data management unit 20 acquires information corresponding to the type of health information selected in step S110 from the cleansing correspondence information 73 (step S112), and based on the acquired information, items of the health information database 72 are obtained. Information is transferred to (step S114). As a result, necessary items in the health information collected in individual formats are transferred to the health information database 72 and unnecessary items are discarded (data cleansing process).

  FIG. 6 is a diagram illustrating an example of information stored as the cleansing correspondence information 73. As shown in the figure, the cleansing correspondence information 73 includes the position of the item in the health information and the position of the item in the health information database 72 for each type of health information specified based on the collection source of the health information and the type of data. Is associated with each other.

  Next, the data management unit 20 determines whether or not the processing has been completed for all types of health information for the currently selected target person (step S116). If the processing has not been completed for all types of health information, the data management unit 20 returns to step S110, selects one next type of health information, and performs the subsequent processing.

  With this process, information from different types of health information is added to the currently selected target person, and a record in the health information database 72 is formed (matching process). The health information collected in various formats by the data cleansing process and the matching process can be managed as a health information database 72 in a unified format suitable for statistical processing.

  FIG. 7 is a diagram schematically showing the contents of the data cleansing process and the matching process. As shown in the figure, necessary items in the health information are transferred to the health information database 72 by the data cleansing process, and unnecessary items are discarded. From the different types of health information regarding the same target person by the matching process, Are added together.

  Returning to the description of FIG. If it is determined in step S116 that the process has been completed for all types of health information, the data management unit 20 determines whether the process has been completed for all target persons (step S118). If the process has not been completed for all the target persons, the data management unit 20 returns to step S102, selects one next target person, and performs the subsequent processes. When the process is completed for all the target persons, the data management unit 20 ends the process of this flowchart.

  Further, the data management unit 20 constructs an insurance information database 74 based on the insurance information collected by the communication interface 10 from the user terminal 100, the insurance company terminal 200, and the like. The insurance information is information relating to insurance premiums and insurance details of insurance that a person has joined. The data management unit 20 stores the health information database 72 and the insurance information database 74 in the storage unit 70 in a form in which information from the same subject is associated with each other. For example, the data management unit 20 identifies the target person based on the name, address, age, etc. included in both the health information and the insurance information, and the information from the same target person includes the health information database 72 and the insurance information. In both databases 74, the same subject ID is assigned and managed.

  FIG. 8 is a diagram illustrating an example of information stored as the insurance information database 74. As shown in the figure, the insurance information database 74 is associated with the same target person ID as the health information database 72, and the insurance contents and premiums of the insurance that the target person has joined, as well as the fact that he / she could not join the insurance. The presence or absence of is stored.

[Analysis of impact]
Based on the correspondence between the health information database 72 constructed in the storage unit 70 by the data management unit 20 and the insurance information database 74, the analysis unit 30 determines whether the variation of each parameter included in the health information database 72 is an insurance premium. And analyze the impact on insurance coverage. The processing by the analysis unit 30 may be performed for each insurance company, or may be performed without distinguishing the insurance companies as long as the rate calculation is not largely different between the insurance companies.

For example, for each item in the health information database 72, the analysis unit 30 analyzes the degree of influence that the variation amount has on the insurance premium. The item fluctuation amount is obtained by quantifying the change of each item in accordance with the criteria for each item. For example, if the item is “drinking”, the fluctuation amount of the drinking amount per day is obtained. The influence degree Q is expressed by, for example, the formula (1). In the formula, P is the insurance premium, and _xi is the value of the i-th item in the health information database 72. Δx _i is a fluctuation amount of the value of the i-th item, and α _i is a coefficient corresponding to the i-th item. By multiplying the coefficient α _i by the fluctuation amount Δx _i of the value of the i-th item, the fluctuation ratio ΔP _i of the insurance premium P depending on the fluctuation of the i-th item is obtained. The influence degree Q is a value obtained by dividing the change rate ΔP _i of the insurance premium P by the insurance premium P.

P × Q = ΔP _i = α _i × Δx _i (1)

  For each item in the health information database 72, the analysis unit 30 performs the following processing in order to construct the above equation (1). FIG. 9 is a flowchart illustrating an example of a flow of processing executed by the analysis unit 30.

  First, the analysis unit 30 selects one item of interest from items included in the health information database 72 (step S200). Next, the analysis unit 30 extracts a set of two records having substantially the same items other than the item of interest from the health information database 72 (step S202). Further, the analysis unit 30 narrows down the record sets extracted in step S202 to a set of records in which the items of insurance contents of the two target persons in the insurance information database 74 are substantially the same (step S204). “Substantially the same” means that the value is within an allowable range determined for each item content. Then, the analysis unit 30 derives the influence level Q based on the comparison of the insurance premiums between the target persons corresponding to the set of records narrowed down in step S204 (step S206). The analysis unit 30 repeatedly executes the processing from step S200 to S206 until all items included in the health information database 72 are selected as the item of interest (step S208).

  FIG. 10 is a diagram for explaining processing by the analysis unit 30. FIG. 10 shows a process when attention is paid to the item “drinking”. In this case, the analysis unit 30 extracts a set of records in the health information database 72 in which the item “drinking” is significantly different and the other items are substantially the same. Further, the analysis unit 30 narrows down the extracted record sets to record sets having substantially the same insurance content of the insurance that the target person has joined. For example, the analysis unit 30 calculates from the average value of insurance premiums (PA, PE,... In the figure) paid by the subject whose “drinking” item is drunk, for example, from the narrowed-down set of records. , Subtract the average value of insurance premiums (PB, PF, etc.) paid by the subject whose “Drinking” item is no drinking, and the “Drinking” item is no drinking The degree of influence Q is derived by dividing by the premium paid by the person (PB, PF,... In the figure). By such processing, it is possible to objectively evaluate the influence of the change of each item in the health information database 72 on the insurance premium.

Further, the analysis unit 30 derives a coefficient α _i for each item and stores it in the storage unit 70 in order to generate recommended information described later. At this time, the analysis unit 30 may obtain an average (average difference) between records for the difference between the item values obtained by digitizing the contents of the items, and may adjust the coefficient α _i based on the magnitude of the average difference. . In the above example, if the average drinking amount of the group with “drinking” is a large value, the analysis unit 30 adjusts the coefficient α _i to be relatively small, and the average drinking amount of the group with “drinking” is a small value. If so, the coefficient α _i is adjusted relatively large.

  If it is assumed that the insurance content and the insurance premium are in a proportional relationship, the analysis unit 30 omits the process of step S204 in FIG. “Fee” may be multiplied by a conversion coefficient corresponding to the insurance content. For example, the conversion coefficient is calculated based on the reciprocal of the value of the insurance content, such as (1 / W) if the insurance content of each target person is W times the insurance content serving as a reference.

  Further, the analysis unit 30 may calculate “a fluctuation range of health information that does not change the insurance premium”. In this case, the analysis unit 30 extracts a set of two records having substantially the same items other than the target item in the health information database 72, and further extracts the set of the extracted records in the insurance information database 74 with the insurance contents and Narrow down to a set of records with almost the same premiums. Then, the analysis unit 30 calculates the maximum value of the difference between the items of interest in the narrowed-down record set as “the fluctuation range of health information that does not change the insurance premium”.

[Recommended information]
The insurance premium reduction item selection unit 42 of the recommended information generation unit 40 responds to an inquiry from a specific person who wants to take out insurance or a specific person who wants to review the insurance contents (hereinafter referred to as a client). Generate recommended information that recommends behavioral changes that reduce the premium paid by the client. The client can receive the following services after providing his / her health information to the insurance contract support apparatus 1 by the various methods described above. The inquiry may be made from an insurance provider.

  The premium reduction item selection unit 42 sets an upper limit and a lower limit for each item included in the health information database 72. For example, if the item is “drinking”, the upper limit is set to, for example, “5 go / day”, and the lower limit is set to “no drinking”. If the item is “sleeping time”, the upper limit is set to “8 hours or more”, and the lower limit is set to “less than 4 hours”. In addition, the insurance premium reduction item selection unit 42 executes the processing illustrated in FIG.

  FIG. 11 is a flowchart illustrating an example of a flow of processing executed by the insurance premium reduction item selection unit 42. First, the insurance premium reduction item selection unit 42 selects one item of interest from items included in the requester's health information (step S300). Next, the insurance premium reduction item selection unit 42 calculates a changeable amount (improveable width) in the improvement direction for the item of interest selected in step S300 (step S302). The improvement possible width may be a fluctuation range toward the upper limit side or may be a fluctuation range toward the lower limit side depending on the content of the item. For example, if the item is “drinking”, the insurance premium is cheaper near the lower limit, and if the item is “sleeping time”, the insurance premium is considered cheaper near the upper limit.

Then, the insurance premium reduction item selection unit 42 counts α when the item of interest previously derived by the analysis unit 30 is set to the item i in the range of improvement calculated in step S302 for the item of interest selected in step S300. _i is multiplied (step S304). Thereby, the insurance premium reduction item selection unit 42 can derive “the improvement rate of the insurance premium when the item of interest is improved to the maximum”. The insurance premium reduction item selection unit 42 repeatedly executes the processing of steps S300 to S304 until all items included in the client's health information are selected as the items of interest (step S306).

  Next, the insurance premium reduction item selection unit 42 sorts the insurance premium improvement rates derived for all items included in the client's health information in descending order (step S308), The recommended information for recommending the behavior change of the item is generated (step S310), and transmitted to the user terminal 100 or the like via the communication interface 10 (step S312). For example, if the top three items are “sleep time”, “smoking”, and “exercise”, the recommended information is “To reduce insurance premiums, sleep well, quit smoking, and actively exercise “Let ’s do it automatically”. As a result, the client can reduce the insurance premium by changing his / her behavior. In addition, for insurance providers, it is possible to suppress the payment of insurance money by preventing persons with a high disease risk from joining the insurance.

  The premium reduction item selection unit 42 derives “the improvement rate of the premium when the item is improved by the reference width” instead of “the improvement rate of the premium when the item is maximized”. May be. In this case, the premium reduction item selection unit 42 derives the improvement rate of the premium when the improvement range is improved by the reference range defined for each item, and selects them in order from the top. To the client.

  In addition, in the recommended information generation unit 40, the insurance enrollment condition estimation unit 44 responds to the inquiry from the client, and changes behavior to enable a client who has not been able to participate in insurance to participate in insurance. Generate recommendation information that recommends.

  Based on the contents of the insurance information database 74, for example, the record of the target person who was able to join the insurance and the target person who could not join the insurance enrollable condition estimation unit 44 Group each record. Then, for each item in the health information database 72, the presence / absence of the boundary line and the position of the boundary line, which are the criteria for whether or not to take out insurance, are searched.

  For example, when the item is “sleeping time”, the insurance possible condition estimation unit 44 sets a plurality of boundary lines such as 4 hours, 5 hours, 6 hours, and the like in the health information database 72 at each boundary line. When the stored records are divided, the degree of agreement with the group based on whether insurance is available is quantified. For example, when the boundary of “sleep time” is 4 hours, the insurance enrollment condition estimation unit 44 has a group of subjects whose sleep time is less than 4 hours and a group of subjects whose sleep time is 4 hours or more. And the degree of coincidence with the grouping based on the availability of insurance. The degree of match is obtained, for example, using the number of all subjects as the denominator and the number of subjects whose affiliation to the group based on the boundary line and affiliation to the group based on the availability of insurance as a numerator is obtained as a numerator. The insurance enrollment possible condition estimating unit 44 sets a boundary line that has a degree of matching higher than the threshold as a boundary line that serves as a criterion for whether or not to make an insurance purchase. On the other hand, when there is no boundary line that provides a degree of matching higher than the threshold value, the insurance enrollment condition estimation unit 44 determines that the item does not affect whether or not the insurance can be enrolled.

  The insurance enrollment possible condition estimating unit 44 performs the above-described determination for each item, and sets a boundary line for each item that enables insurance enrollment. Then, it is determined whether each item of health information obtained from the client is on the side that can be insured from the boundary line, and recommended information that recommends behavioral changes for items that are not on the insurer side from the boundary line Is transmitted to the user terminal 100 or the like. As a result, it is possible to create a possibility that a client who was originally unable to take out insurance can take out insurance.

  Further, the recommended information generation unit 40 may refer to the partner company database 75 and include various introductions in the recommended information. FIG. 12 is a diagram illustrating an example of information stored as the partner company database 75. As shown in the figure, in the affiliated company database 75, items included in the recommended information are associated with the affiliated companies. When the generated recommended information includes an item “no smoking”, the recommended information generation unit 40 adds information on a clinic that performs non-smoking outpatient to the recommended information and outputs the information to the requester.

  When the requester receives recommendation information from the insurance contract support apparatus 1 and joins the insurance, the claim management unit 50 charges a support fee to the insurance company that has joined. For example, the claim management unit 50 transmits, via the communication interface 10, a claim amount corresponding to the number of clients who have received recommendation information and joined the insurance to the insurance company terminal 200.

FIG. 13 is a sequence diagram illustrating an example of a flow of processing executed centering on the insurance contract support apparatus 1 of the embodiment. First, health information is collected by the information collecting device (step S400), and insurance information is collected from the target person (step S402). The insurance contract support apparatus 1 performs an analysis based on the health information database 72 and the insurance information database 74, and derives the influence Q and the coefficient α _i for each item (step S404).

  Thereafter, when there is an inquiry from the client (step S406), the insurance contract support apparatus 1 generates recommended information based on the health information of the client (step S408) and provides it to the client (step S410). .

  When the client applies for insurance (step S412), the insurance company terminal 200 notifies the application receipt (step S414), and the insurance contract support apparatus 1 transmits the billing information to the insurance company terminal 200 (step S416). .

  According to the embodiment described above, the data management unit 20 stores the health information and the insurance information in the storage unit 70 as the health information database 72 and the insurance information database 74 by associating the information from the same person with each other for analysis. Based on these correspondences, the unit 30 analyzes the effect of the variation of each parameter included in the health information on the insurance, thereby objectively evaluating the effect of the human health condition on the insurance conditions. can do.

  According to the embodiment, the health information collected in various formats by the data cleansing process and the matching process can be managed as the health information database 72 in a unified format suitable for the statistical process.

  In addition, according to the embodiment, the recommended information generation unit 40 recommends behavior modification for reducing insurance premiums based on the health information acquired from the client and the influence analyzed by the analysis unit 30. By generating the recommended information, the client can reduce the insurance premium by changing his / her behavior. In addition, for insurance providers, it is possible to suppress the payment of insurance money by preventing persons with a high disease risk from joining the insurance.

  In addition, according to the embodiment, the insurance enrollment condition estimating unit 44 of the recommended information generating unit 40 generates recommended information that recommends behavioral change so that the client can participate in insurance. Thus, it is possible to create a possibility that a client who could not take out insurance can take out insurance.

  In addition, in the said embodiment, although it does not mention obtaining the agreement that those information is used for statistical processing etc. from the person who provides health information and insurance information, the insurance contract support apparatus 1 is from a person. The statistical processing described above may be executed after obtaining the agreement.

  According to at least one embodiment described above, it is health information related to human health, and includes collection of health information including a plurality of parameters, and insurance information related to insurance premiums and insurance contents that a person has joined. Unit (10), a data management unit (20) for storing health information and insurance information collected by the collection unit in the storage unit (70) in association with information from the same person, and a data management unit (20 ) Based on the correspondence relationship between the health information stored in the storage unit (70) and the insurance information, an analysis unit (analyzing the effect of variation of each parameter included in the health information collected by the collection unit on the insurance) 30), it is possible to objectively evaluate the influence of the human health condition on the insurance conditions.

  Although several embodiments of the present invention have been described, these embodiments are presented by way of example and are not intended to limit the scope of the invention. These embodiments can be implemented in various other forms, and various omissions, replacements, and changes can be made without departing from the spirit of the invention. These embodiments and their modifications are included in the scope and gist of the invention, and are also included in the invention described in the claims and the equivalents thereof.

DESCRIPTION OF SYMBOLS 1 ... Insurance contract assistance apparatus, 10 ... Communication interface, 20 ... Data management part, 30 ... Analysis part, 40 ... Recommended information generation part, 42 ... Insurance premium reduction item selection part, 44 ... Insurance enrollment condition estimation part, 50 ... Claim management section, 70 ... storage section, 71 ... program, 72 ... health information database, 73 ... cleansing support information, 74 ... insurance information database, 75 ... partner company database, 100 ... user terminal, 102 ... activity meter, 104: Vital sensor 110: Pharmacy terminal 120: Clinic terminal 130 130 Hospital terminal 200 ... Insurance company terminal

Claims (7)

Health information related to human health, a collection unit that collects health information including a plurality of parameters, and insurance information related to insurance premiums and insurance content of a person's insurance;
A health information and insurance information collected by the collection unit, a data management unit that stores information in the storage unit in association with information from the same person;
Analysis for analyzing the effect of variation of each parameter included in the health information collected by the collection unit on insurance based on the correspondence between the health information and insurance information stored in the storage unit by the data management unit And
An insurance contract support device comprising: The data management unit refers to correspondence information indicating a correspondence relationship between a type of health information specified for each collection source of health information collected by the collection unit and a format of information stored in the storage unit In addition to discarding unnecessary items in the health information collected in an individual format by the collection unit, information from different types of health information is added together and stored in the storage unit.
The insurance contract support apparatus according to claim 1. Based on the health information acquired from the specific person by the collecting unit and the influence analyzed by the analyzing unit, the specific person generates recommended information for recommending behavioral change for reducing insurance premiums. A recommended information generation unit;
The insurance contract support apparatus according to claim 1 or 2. The insurance information includes information indicating the fact that the person could not join the insurance,
Recommended information recommending behavioral change for the specific person to be able to join the insurance based on health information acquired from the specific person by the collecting unit and insurance information collected in advance by the collecting unit A recommended information generation unit for generating
The insurance contract support device according to any one of claims 1 to 3. When the specific person subscribes to the insurance using the recommended information generated by the recommended information generating unit, the bill management unit further determines a charge amount for the insurance company of the subscribed insurance,
The insurance contract support apparatus according to claim 3 or 4. Computer
Health information related to human health, including health information including multiple parameters, and insurance information related to insurance premiums and insurance details of insurance that a person has enrolled,
The collected health information and insurance information are stored in the storage unit in association with information from the same person,
Based on the correspondence between the health information stored in the storage unit and the insurance information, the influence of the variation of each parameter included in the collected health information on the insurance premium and the insurance content included in the insurance information. To analyze,
Insurance policy support method. On the computer,
Health information including a plurality of parameters relating to human health collected by the collection unit, and insurance information relating to insurance premiums and insurance details of the insurance that the person has joined are stored in association with information from the same person. Processing to be stored in the
Based on the correspondence between the health information stored in the storage unit and the insurance information, the influence of the variation of each parameter included in the collected health information on the insurance premium and the insurance content included in the insurance information. Processing to analyze,
Insurance contract support program to make it run.

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