JP2017027157A - Proposal device, proposal method, and proposal program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow easy proposal of an insurance more appropriate for a user.SOLUTION: The proposal device according to the present application includes: a reception part; an estimation part; and a proposal part. The reception part receives user information on a user acquired by a sensor, the estimation part estimates the state of health of the user based on the user information received by the reception part, and the proposal part proposes an insurance to the user based on the state of health estimated by the estimation part.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a proposal device, a proposal method, and a proposal program.

  In recent years, various methods for proposing insurance to users have been known. As a technique related to such an insurance proposal, a technique for proposing insurance suitable for a user based on the vital data of the user is known. For example, in such a technique, a disease risk is determined based on a user's calorie intake and vital data, and a recommended medical insurance product is selected for the determined disease risk.

JP 2014-132402 A JP 2003-296575 A JP 2007-41787 A JP 2010-262384 A

  However, in the above-described conventional technology, it is not always possible to easily propose more appropriate insurance for the user. For example, in the above prior art, when the user operates the input unit of the terminal device and performs calorie measurement and vital data input, the user selects a medical insurance product recommended for the user. In order to obtain information on medical insurance products, it takes time and effort to perform various operations. For this reason, in the above-described conventional technology, it is not always possible to easily propose more appropriate insurance for the user.

  The present application has been made in view of the above, and an object thereof is to provide a proposal device, a proposal method, and a proposal program that can easily propose more appropriate insurance for a user.

  The proposed apparatus according to the present application includes: a receiving unit that receives user information related to a user acquired by a sensor; an estimation unit that estimates the health state of the user based on user information received by the receiving unit; and the estimation And a proposing unit that proposes insurance to the user based on the health condition estimated by the unit.

  According to one aspect of the embodiment, there is an effect that it is possible to easily propose more appropriate insurance for the user.

FIG. 1 is an explanatory diagram illustrating an example of a proposal process by the proposal system according to the embodiment. FIG. 2 is a diagram illustrating a configuration example of the proposed apparatus according to the embodiment. FIG. 3 is a diagram illustrating an example of a user information storage unit according to the embodiment. FIG. 4 is a diagram illustrating an example of the estimated information storage unit according to the embodiment. FIG. 5 is a diagram illustrating an example of an insurance information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of the privilege information storage unit according to the embodiment. FIG. 7 is a flowchart illustrating a proposal processing procedure performed by the proposal apparatus according to the embodiment. FIG. 8 is a diagram illustrating an example of a screen displaying advertisement content. FIG. 9 is a hardware configuration diagram illustrating an example of a computer that realizes the functions of the proposed apparatus.

  Hereinafter, modes for implementing the proposed device, the proposed method, and the proposed program according to the present application (hereinafter referred to as “embodiments”) will be described in detail with reference to the drawings. Note that the proposed device, the proposed method, and the proposed program according to the present application are not limited to the embodiment. Moreover, in the following embodiment, the same code | symbol is attached | subjected to the same site | part and the overlapping description is abbreviate | omitted.

[1. Embodiment)
[1-1. Proposal Processing According to Embodiment]
First, an example of the proposal process according to the embodiment will be described with reference to FIG. FIG. 1 is an explanatory diagram illustrating an example of a proposal process by the proposal system 1 according to the embodiment. In the example of FIG. 1, a proposal process is performed in which the proposal device 100 proposes insurance appropriate for the user U10 based on user information related to the user U10 measured by a sensor included in an IoT (Internet of Things) device.

  As illustrated in FIG. 1, the proposal system 1 includes terminal devices 10 </ b> A to 10 </ b> C that are devices included in a user U <b> 10 and a proposal device 100. The terminal devices 10A to 10C and the proposed device 100 are connected to a network so that they can communicate with each other by wire or wirelessly. Hereinafter, the terminal devices 10 </ b> A to 10 </ b> C may be collectively referred to as “terminal device 10” when collectively referred to without distinction.

  The terminal device 10A is an information processing device such as a smartphone, a tablet terminal, a PC (Personal Computer), a mobile phone, or a PDA (Personal Digital Assistant). For example, the terminal device 10A relates to the user U10 such as the user U10's wake-up time, bedtime, commuting means, time using a vacuum cleaner, time using an air conditioner, time using an air cleaner, seating time, activity, and the like. It has a function that can measure user information. As an example, the terminal device 10A includes a GPS sensor that measures the position of the terminal device 10A, a gyro sensor that measures inclination, an acceleration sensor that measures inertia, an illuminance sensor that measures brightness, a proximity sensor that measures distance, and the like. It has various sensors. The terminal device 10B is an information processing device such as a scale. For example, the terminal device 10B has a function capable of measuring user information related to the body composition of the user U10 such as the weight, body fat percentage, fat content (for example, subcutaneous fat and visceral fat), muscle percentage, and the like of the user U10. The terminal device 10C is an information processing device such as a wearable terminal that is worn on the user's body. For example, the terminal device 10C has a function capable of measuring user information related to the user U10 such as the smoking status, blood pressure, heart rate, and the like of the user U10.

  The proposal device 100 is a server device that proposes insurance to the user. Specifically, the proposal device 100 proposes insurance appropriate for the user U10 based on the user information regarding the user U10 acquired by the sensor. More specifically, the proposal device 100 receives user information each time user information is detected by the sensors of the terminal devices 10A to 10C, which are devices included in the user U10, and is more useful to the user based on the received user information. The proposal process for proposing appropriate insurance is executed.

  First, the terminal device 10 transmits the user information regarding the user U10 to the proposing device 100 every time the user information is acquired by the sensor (step S1). Specifically, the terminal device 10 transmits, as user information, information indicating the action or lifestyle of the user U10, biological information, and the like to the proposal device 100. For example, the terminal device 10A relates to user U10's wake-up time, bedtime, commuting means, time using a vacuum cleaner, time using an air conditioner, time using an air cleaner, seating time, and activity as user information. The information is measured every day, and the measured user information is transmitted to the proposal device 100 every day. As the user information, the terminal device 10B measures information related to the weight of the user U10 every day, and transmits the measured user information to the suggestion device 100 every day. The terminal device 10C measures, as user information, information regarding the smoking status, blood pressure, and heart rate of the user U10 every day, and transmits the measured user information to the suggestion device 100 every day. Thereby, the proposal apparatus 100 receives the user information regarding the user U10 from the terminal apparatus 10 which is an apparatus which the user U10 has. And the proposal apparatus 100 accumulate | stores and hold | maintains the received user information.

  Subsequently, the suggestion device 100 estimates the health state of the user U10 based on the received user information (step S2). Specifically, the proposal device 100 first calculates a health risk score that is an index indicating a risk that the user U10 has in health based on the user information. The “health risk score” indicates that the higher the value, the worse the health state. As an example, based on the information about the heart rate included in the user information, the proposed apparatus 100 is “−1” because it is within the reference data and normal when the heart rate per minute is within 60 times. Is added to the health risk score. In another example, since the suggestion apparatus 100 is considered to be lack of exercise or long working hours when the sitting time per day is within 6 hours based on the information about the sitting time included in the user information, Add “+2” to the health risk score. In another example, the proposal apparatus 100 has a higher accident rate when the commuting means is a car based on the information about the commuting means included in the user information, compared with the case of a train or the like. +1 ”is added to the health risk score. And the proposal apparatus 100 calculates the total value of the health risk score based on user information. Here, it is assumed that the proposal apparatus 100 calculates that the health risk score of the user U10 is less than “10”. In this case, the proposed apparatus 100 estimates that the life of the user U10 is “90 years old” because the health state of the user U10 is excellent.

  And the proposal apparatus 100 proposes insurance to the user U10 based on the estimated health condition (step S3). Specifically, the proposing device 100 proposes a policy with insurance content that is more suitable for the user U10 as compared to the content of the insurance contract with which the user U10 is currently subscribed. For example, since the estimated life of the user U10 is 90 years, which is higher than the average life, the proposing device 100 proposes to the user U10 medical insurance with a long-term insurance or a low insurance money. As an example, the proposal apparatus 100 notifies the insurance administrator that a guidance Gu such as a direct mail indicating the contents of the insurance based on the health state of the user U10 is sent to the user U10. Thereby, since the proposal apparatus 100 can send the insurance guidance Gu based on the health state of the user U10 to the user U10's home, it is possible to easily propose more appropriate insurance for the user.

  Thus, the proposal apparatus 100 which concerns on embodiment receives the user information regarding the user acquired by the sensor of the terminal device 10. FIG. Moreover, the proposal apparatus 100 estimates a user's health state based on the received user information. The proposing device 100 proposes insurance to the user based on the estimated health condition.

  Thereby, since the proposal apparatus 100 can propose insurance based on the user information received from the apparatus which a user has, it can propose more suitable insurance for a user easily. For example, since the proposal apparatus 100 can acquire user information without the user performing an input operation, the proposal device 100 can easily propose insurance to the user. Moreover, since the proposal apparatus 100 can propose insurance based on a user's health condition, he can propose more appropriate insurance for a user.

  1 shows an example in which the proposed system 1 includes three terminal devices 10 and one proposed device 100. However, the proposed system 1 is not limited to three and includes a plurality of terminals. The apparatus 10 and a plurality of proposal apparatuses 100 may be included.

  Further, in FIG. 1, for the sake of simplicity, an example in which the proposal device 100 receives user information from the terminal devices 10 </ b> A to 10 </ b> C every day is shown. However, user information is received every arbitrary period without being limited to every day. May be.

[1-2. Configuration of Proposed Device According to Embodiment]
Next, the configuration of the proposed apparatus 100 according to the embodiment will be described with reference to FIG. FIG. 2 is a diagram illustrating a configuration example of the proposing device 100 according to the embodiment. As illustrated in FIG. 2, the proposed device 100 includes a communication unit 110, a storage unit 120, and a control unit 130. In addition, the proposal apparatus 100 includes an input unit (for example, a keyboard and a mouse) that receives various operations from an administrator who uses the proposal apparatus 100, and a display unit (for example, a liquid crystal display) for displaying various types of information. You may have.

(About the communication unit 110)
The communication unit 110 is realized by a NIC or the like, for example. The communication unit 110 is connected to a network by wire or wireless, and transmits / receives information to / from the terminal device 10 via the network. Specifically, the communication unit 110 receives user information related to the user having the terminal device 10 with the terminal device 10 via the network.

(About the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. The storage unit 120 includes a user information storage unit 121, an estimation information storage unit 122, an insurance information storage unit 123, and a privilege information storage unit 124.

(User information storage unit 121)
The user information storage unit 121 stores user information related to the user. Specifically, the user information storage unit 121 stores, for each user having the terminal device 10, various types of information related to the user such as information indicating the user's behavior or lifestyle and biometric information. Here, FIG. 3 shows an example of the user information storage unit 121 according to the embodiment. As illustrated in FIG. 3, the user information storage unit 121 includes items such as “user ID”, “date and time”, “lifestyle”, and “biological information”.

  “User ID” indicates identification information for identifying a user. For example, the “user ID” stores a unique identifier assigned to each user who uses the proposal system 1. “Date and time” indicates the date and time when the user information was acquired. For example, “date and time” stores the date and time when the user information is measured by the terminal device 10.

  “Lifestyle” indicates information related to user behavior and lifestyle habits. For example, “lifestyle” includes “wake-up time”, “sleeping time”, “smoking status”, “commuting means”, “vacuum cleaner”, “air conditioner”, “air cleaner”, “seating time”, “activity” "Is stored. The “wake-up time” stores the time when the user got up. The “sleeping time” stores the time when the user goes to bed. For example, “wake-up time” and “sleeping time” are measured by determining whether or not the lighting device is turned on by measuring the brightness of the user's bedroom using an illuminance sensor of the terminal device 10 such as a smartphone. The In another example, “wake-up time” and “sleeping time” may be measured based on a change in the activation state of the terminal device 10 that is a lighting device type having a lighting function. The “smoking status” stores the number of cigarettes smoked by the user. For example, the “smoking status” is measured by the number of times the cigarette is lit by the terminal device 10 such as a smart lighter. The “commuting means” stores the means used by the user for commuting. For example, the “commuting means” is determined by measuring the user's moving location and moving speed by the terminal device 10 such as a smartphone, thereby determining a means such as a car or a train. In another example, the “commuting means” is determined by measuring the activation status of the car that the user has. In the “vacuum cleaner”, a cleaning time in which the user has performed cleaning with a cleaner is stored. For example, the cleaning time is obtained by measuring the time when the vacuum cleaner is activated. The “air conditioner” stores the adjustment time when the room temperature is adjusted by the air conditioner of the user. For example, the adjustment time is acquired by measuring the time when the air conditioner is activated. The “air purifier” stores a cleaning time during which the air in the room is cleaned by the air purifier that the user has. For example, the cleaning time is obtained by measuring the time when the air cleaner is activated. The “sitting time” stores the time when the user is seated. For example, the “seating time” is measured by measuring the inertia and inclination of the terminal device 10 using a gyro sensor or an acceleration sensor included in the terminal device 10 such as a smartphone. In “Activity”, an activity performed by the user is stored. For example, the “activity” is extracted by the terminal device 10 such as a smartphone based on a posted content or profile posted to an account SNS (Social Networking Service) owned by the user.

  “Biometric information” indicates information related to the user's biological body. For example, various information such as “weight”, “blood pressure”, and “heart rate” is stored in “biological information”. The “body weight” stores the weight of the user's body. For example, “weight” is measured by the terminal device 10 such as a scale. The “blood pressure” stores the pressure generated in the blood vessel when blood is pushed out of the heart. For example, the “blood pressure” stores the minimum blood pressure and the maximum blood pressure. As an example, “blood pressure” is measured by the terminal device 10 such as a sphygmomanometer. “Heart rate” stores the number of heart beats per minute. For example, the “heart rate” is measured by the terminal device 10 such as a wearable terminal.

  That is, FIG. 3 shows an example in which the wake-up time of the date and time “June 1” of the user U10 identified by the user ID “U10” is “6:00”. In addition, an example is shown in which the bedtime of the date and time “June 1” of the user U10 is “00:00”. In addition, the smoking status of the user U10 on the date “June 1” shows an example in which the number of smoked cigarettes is “0”. Further, an example is shown in which the commuting means of the date and time “June 1” of the user U10 is “train”. In addition, an example in which the time when the vacuum cleaner on the date and time “June 1” of the user U10 is activated is “5 minutes” is shown. In addition, an example in which the user U10 starts the air conditioner on the date and time “June 1” is “3 hours”. Moreover, the date and time of the user U10 “June 1” shows an example of “10 hours”. In addition, an example is shown in which the seating time of the date and time “June 1” of the user U10 is “5 hours”. Further, the activity that the user U10 has performed on the date “June 1” is an example of “walking”. In addition, an example is shown in which the weight of the user U10 on the date “June 1” is “60 kg”. Further, the blood pressure of the user U10 on the date “June 1” is an example in which the minimum blood pressure is “80” and the maximum blood pressure is “120”. Further, an example is shown in which the heart rate of the date and time “June 1” of the user U10 is “60 times”.

(About the estimated information storage unit 122)
The estimated information storage unit 122 stores estimated information related to the user's health condition. Specifically, the estimated information storage unit 122 stores information on the user's health risk score, predicted life, and the like for each user. Here, FIG. 4 illustrates an example of the estimated information storage unit 122 according to the embodiment. As illustrated in FIG. 4, the estimated information storage unit 122 includes items such as “user ID”, “health risk score”, and “predicted life”.

  “User ID” indicates identification information for identifying a user. For example, the “user ID” stores a unique identifier assigned to each user who uses the proposal system 1. The “health risk score” indicates an index that represents a risk that the user has in health. Specifically, the “health risk score” indicates that the higher the value, the worse the health state. For example, “−1” is added to the “health risk score” because it is within the reference data and normal when the heart rate per minute is within 60 times. In another example, “+2” is added to the “health risk score” because it is considered that there is insufficient exercise or long working hours when the sitting time per day is within 6 hours. In another example, the “health risk score” is increased by “+1” because the accident rate is higher when the commuting means is a car than when the commuting means is a car. The “health risk score” stores a total value of health risk scores based on the user information. “Predicted life” indicates a predicted value of the user's life. For example, a predicted value calculated based on a user's health risk score is stored in the “predicted life”. As an example, in the “predicted life”, when the health risk score is less than “10”, the predicted life of the user is estimated to be “90 years old” and stored as being in good health.

  That is, FIG. 4 illustrates an example in which the health risk score of the user U10 identified by the user ID “U10” is “3”. Further, an example in which the predicted life of the user U10 identified by the user ID “U10” is “90” years old is shown.

(About insurance information storage unit 123)
The insurance information storage unit 123 stores information related to insurance. Specifically, the insurance information storage unit 123 stores information related to details of the contents of insurance products for each insurance product that can be proposed by the proposal system 1. Here, FIG. 5 shows an example of the insurance information storage unit 123 according to the embodiment. As illustrated in FIG. 5, the insurance information storage unit 123 includes items such as “insurance ID”, “type”, and “insurance premium”.

  “Insurance ID” indicates identification information for identifying an insurance product. For example, the “insurance ID” stores a unique identifier assigned to each insurance product that can be proposed by the proposal system 1. “Type” indicates the type of insurance product. For example, in the “type”, categories such as “elderly insurance”, “life insurance”, and “cancer insurance” are stored. “Insurance fee” indicates a fee incurred when an insurance product is contracted. For example, in the “insurance premium”, the monthly burden amount of the subscriber is stored.

  That is, FIG. 5 shows an example in which the insurance type identified by the insurance ID “In10” is “Yellow Life Insurance”. In addition, the insurance premium of the insurance identified by the insurance ID “In10” is an example of “10000” yen monthly.

(Regarding the privilege information storage unit 124)
The privilege information storage unit 124 stores information related to privileges granted to the user. Specifically, the privilege information storage part 124 memorize | stores the information regarding the content of the privilege provided to a user for every user. Here, FIG. 6 shows an example of the privilege information storage unit 124 according to the embodiment. As illustrated in FIG. 6, the privilege information storage unit 124 includes items such as “user ID”, “privilege”, and “expiration date”.

  “User ID” indicates identification information for identifying a user. For example, the “user ID” stores a unique identifier assigned to each user who uses the proposal system 1. “Privilege” indicates the content of the privilege to be given to the user. For example, in “privilege”, a privilege according to the amount of user information provided by the user is stored. As an example, the “privilege” stores a higher insurance premium discount amount and point count as the amount of user information provided by the user is larger. The “expiration date” indicates a period during which the privilege is valid. For example, the “expiration date” stores a time limit according to the privilege.

  That is, FIG. 6 shows an example in which the privilege given to the user identified by the user ID “U10” is “insurance premium 2 discount”. Moreover, the privilege given to the user identified by the user ID “U10” shows an example in which the expiration date is “1 day”.

(About the control unit 130)
Returning to FIG. 2, the control unit 130, for example, various programs (corresponding to an example of the proposed program) stored in a storage device inside the proposed device 100 by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), or the like. Is implemented by using the RAM as a work area. The control unit 130 is realized by an integrated circuit such as an application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

  As shown in FIG. 2, the control unit 130 includes a reception unit 131, an estimation unit 132, a proposal unit 133, a grant unit 134, and a transmission unit 135, and functions and functions of information processing described below. Realize or execute. Note that the internal configuration of the control unit 130 is not limited to the configuration illustrated in FIG. 2, and may be another configuration as long as a proposal process described later is performed. In addition, the connection relationship between the processing units included in the control unit 130 is not limited to the connection relationship illustrated in FIG. 2, and may be another connection relationship.

(About the receiver 131)
The receiving unit 131 receives user information regarding the user acquired by the sensor. Specifically, the reception unit 131 receives user information from the terminal device 10 every time user information is acquired by a sensor included in the terminal device 10. For example, the receiving unit 131 receives user information including information indicating the user's behavior or lifestyle. As an example, the receiving unit 131 uses the user's wake-up time, bedtime, smoking status, commuting means, time using a vacuum cleaner, time using an air conditioner, time using an air cleaner, seating as user information. Information related to lifestyle such as time and activity is received from the terminal device 10 which is an IoT device. In another example, the receiving unit 131 receives biological information related to a living body such as a user's weight, blood pressure, and heart rate as user information from the terminal device 10 that is an IoT device. The receiving unit 131 stores the received user information in the user information storage unit 121. For example, every time user information is received, the reception unit 131 stores the received user information in the user information storage unit 121 in association with the user ID.

(About the estimation unit 132)
The estimation unit 132 estimates the user's health based on the user information received by the reception unit 131. Specifically, the estimation part 132 estimates a user's lifetime as a healthy state. For example, the estimation unit 132 first calculates a health risk score that is an index indicating a risk that the user has in health based on the user information. As an example, if the heart rate per minute is within 60 times based on the information about the heart rate included in the user information, the estimation unit 132 is “−1” because it is within the reference data and is normal. Is added to the health risk score. In another example, since the estimation unit 132 is based on the information related to the sitting time included in the user information, if the sitting time per day is within 6 hours, it is considered that the exercise is insufficient and the working time is long. Add “+2” to the health risk score. In another example, the estimation unit 132 has a higher accident rate when the commuting means is a car based on the information about the commuting means included in the user information, compared to the case of a train or the like. +1 ”is added to the health risk score. And the estimation part 132 calculates the total value of the health risk score based on user information. Then, the estimation part 132 estimates a user's lifetime based on the calculated health risk score. For example, when the user's health risk score is less than “10”, the estimation unit 132 determines that the user's health condition is excellent and estimates the user's lifespan as “90 years old”. Then, the estimation unit 132 stores the calculated health risk score and the estimated predicted life in the estimated information storage unit 122 in association with the user ID.

(About the proposal section 133)
The proposing unit 133 proposes insurance to the user based on the health state estimated by the estimating unit 132. Specifically, the proposing unit 133 proposes insurance to the user based on the temporal change of the user's health condition. For example, the proposing unit 133 proposes insurance to the user within a predetermined period from when the user's health condition has changed. As an example, when the content of the insurance according to the health state is different from the content of the insurance that the user is subscribed to, the proposing unit 133 makes a proposal to switch to the content of the insurance according to the health state. Here, “contents of insurance” refers to, for example, the type of insurance, such as endowment insurance, whole life insurance, medical insurance, etc., and the amount of insurance paid to subscribers in the event of various illnesses or accidents, etc. It means various contents such as insurance contents and insurance premiums paid by insurance subscribers to insurance companies. For example, the suggestion unit 133 refers to the insurance information storage unit 123 when the user is participating in life insurance and the estimation unit 132 estimates that the estimated life of the user is higher than the average life. Propose to switch from whole life insurance to endowment insurance and medical insurance with low insurance money. Note that the proposing unit 133 does not make a suggestion when the user has already subscribed to the old-age insurance or when the user does not need it. In another example, the suggestion unit 133 has a hospitalization daily fee of 5000 when the user is participating in medical insurance with a hospitalization daily fee of 10,000 yen and the estimation unit 132 estimates that the user is at low risk of getting sick. Propose to switch to yen insurance. In another example, the suggestion unit 133 has a certain amount of savings sufficient to prepare for sudden hospitalization when the user is enrolled in medical insurance with a daily hospitalization of 10,000 yen. In some cases, a proposal is made to switch to insurance with a daily hospitalization of 5000 yen.

  The proposing unit 133 proposes insurance details to the user at an appropriate timing that satisfies a predetermined condition. As an example, the proposing unit 133 proposes the retirement insurance at the timing when the estimated life of the user is estimated to be “85 years old” by the estimating unit 132 and increased from the predicted life time “80 years old” up to yesterday. In another example, the suggestion unit 133 proposes cancer insurance at a timing when there is a sign that the health risk based on the weight, blood pressure, and pulse values of the user increases compared to three months ago. In another example, the suggestion unit 133 proposes medical insurance at a timing when the user continues to quit smoking for one month.

  For example, the proposing unit 133 proposes insurance to the user by notifying the insurance administrator that a guide indicating the contents of the insurance based on the health condition of the user is sent to the user. Thereby, since the proposal part 133 can send the guidance of the insurance based on a user's health condition to a user's home at a suitable timing, it can propose more suitable insurance for a user easily.

(About the grant unit 134)
The granting unit 134 grants a privilege according to the amount or type of user information received by the receiving unit 131 to the user. Specifically, the granting unit 134 grants a higher privilege to the user as the amount of user information received by the receiving unit 131 increases. Further, the granting unit 134 grants a higher privilege to the user as the importance of the user information received by the receiving unit 131 is higher. For example, the granting unit 134 applies a discounted insurance fee to the user as a privilege. Further, the granting unit 134 stores information on the privilege to be given to the user in the privilege information storage unit 124 in association with the user ID. The granting unit 134 may set an expiration date for the privilege granted to the user. In this case, the granting unit 134 stores information related to the privilege granted to the user and the expiration date in the privilege information storage unit 124 in association with the user ID.

  Here, the privilege calculation processing by the grant unit 134 will be described in detail. Specifically, the grant unit 134 calculates a privilege from the number of types of user information provided by the user. For example, it is assumed that 1 point is set for each of the data relating to heart rate, weight, and waking up as a privilege. In this case, the granting unit 134 gives 3 points to a user who is permitted to provide three data related to heart rate, weight, and waking up. In another example, the grant unit 134 calculates a privilege after weighting the user information provided by the user for each category. Specifically, the assigning unit 134 sets a weighting factor for each category by using whether the information is useful for estimating the health condition and whether the information is related to the privacy of the user as an example of a criterion. For example, the assigning unit 134 sets a weighting coefficient “1” to the biometric information category to which the heart rate, weight, and the like belong. In addition, the assigning unit 134 sets the weighting factor “2” to the home information category to which lighting on / off, activation information of the air conditioner, and the like belong. In addition, the assigning unit 134 sets a weighting coefficient “3” to the behavior information category to which the commuting means and the smoking status belong. Here, it is assumed that the user permits provision of information on heart rate and weight belonging to the biometric information category and information on smoking status belonging to the behavior information category. In this case, the assigning unit 134 has a value “2” obtained by multiplying the point “1 + 1” corresponding to the heart rate and weight belonging to the biological information category by the weighting factor “1”, and the point corresponding to the smoking status belonging to the behavior information category. A sum “5” points of a value “3” obtained by multiplying “1” by a weight coefficient “3” is given to the user. Then, the granting unit 134 determines the insurance rate discount rate according to the number of points given to the user. Specifically, the granting unit 134 determines the insurance premium discount rate for each user so that the discount rate increases as the number of points given to the user increases.

(About transmitter 135)
The transmission unit 135 transmits various types of information. Specifically, the transmission unit 135 transmits an instruction to send guidance related to insurance proposed by the proposal unit 133 to the target user's home. In addition, the transmission unit 135 transmits an instruction to notify the user of information related to the privilege granted to the user by the granting unit 134.

  Here, an example will be described in which an application for an insurance proposal service provided by the proposal device 100 is made by a 40-year-old male user who is enrolled in life insurance. In this case, the proposal apparatus 100 first extracts user information corresponding to the user who applied for application from the user information storage unit 121. Then, the proposal apparatus 100 shall estimate a user's estimated lifetime as "90 years old" based on the extracted user information. And the proposal apparatus 100 matches the estimated estimated lifetime with user ID, and stores it in the estimated information storage part 122. FIG. Thereafter, the proposal device 100 refers to the insurance information storage unit 123 and selects an insurance suitable for the user based on the estimated predicted life. In this example, the proposed apparatus 100 estimates the user's predicted life as “90 years”, which is longer than the average life, and therefore selects the retirement insurance. Subsequently, the proposal device 100 compares the selected insurance with the insurance that the user is currently subscribed to. In this example, since the proposed device 100 is a different type of insurance from the selected insurance “Yellow Insurance” and the insurance “Life Insurance” that the user is currently subscribed to, the guidance device 100 provides guidance indicating the contents of the selected insurance “Yellow Insurance”. Notify the insurance administrator that you want to send Thereby, the suggestion apparatus 100 makes the user send guidance for the retirement insurance, and proposes the retirement insurance more suitable for the user. In addition, the proposed apparatus 100 selects the lifetime insurance because the predicted life of the user is shorter than the average life when the predicted life is estimated to be “70 years old” due to a change in the user's lifestyle after several years. To do. Since the proposed device 100 is a different type of insurance from the selected insurance “life insurance” and the insurance that the user is currently subscribed to, “life insurance”, the proposal device 100 sends a guide indicating the contents of the selected insurance “life insurance” to the user. Notify the insurance administrator.

  As another example, an example in which a 22-year-old male user who does not have insurance purchases a wearable terminal two years ago will be described. In this case, the proposal apparatus 100 first receives user information from the time when the user starts using the wearable terminal. Here, it is assumed that the proposal apparatus 100 has received the transition of user information indicating that the user has continued the life of reversing day and night for three months. In this case, the proposal apparatus 100 determines that the disease risk value indicating the high possibility that the user will be ill has reached a predetermined threshold value or more. Then, the suggestion apparatus 100 notifies the insurance administrator that a guide indicating the contents of “life insurance” is sent to the user. Thereby, the suggestion apparatus 100 sends the guidance of the life insurance to the user, and proposes the life insurance suitable for the user.

[1-3. Proposal Processing Procedure According to Embodiment]
Next, the procedure of the process by the proposal system 1 according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating a proposal processing procedure by the proposal system 1 according to the embodiment.

  As illustrated in FIG. 7, the proposal device 100 receives user information about the user acquired by the sensor (step S <b> 101). Specifically, the suggestion device 100 receives user information including information indicating a user's behavior or lifestyle.

  Subsequently, the proposal device 100 stores the received user information in the user information storage unit 121 (step S102). For example, every time user information is received, the proposal device 100 stores the received user information in the user information storage unit 121 in association with the user ID.

  After that, the suggestion device 100 gives a privilege to the user according to the amount or type of user information received (step S103). For example, the proposal device 100 gives a higher privilege to the user as the amount of received user information is larger. As an example, the proposal device 100 applies a discounted insurance fee to the user as a privilege. And the proposal apparatus 100 matches the information regarding the privilege provided to a user with a user ID, and stores it in the privilege information storage part 124. FIG.

  Moreover, the proposal apparatus 100 estimates a user's health state based on the received user information (step S104). Specifically, the proposed device 100 estimates the life of the user as the health state.

  Subsequently, the proposing device 100 proposes insurance to the user based on the estimated health condition (step S105). Specifically, the proposing device 100 proposes insurance to the user based on the temporal change of the user's health condition. For example, the proposing device 100 proposes insurance to the user within a predetermined period from when the user's health condition has changed. As an example, when the insurance according to the health condition is different from the insurance that the user is subscribed to, the proposal device 100 makes a proposal to switch to the insurance according to the health condition. In addition, for example, the proposing device 100 proposes insurance to the user by notifying the insurance administrator that a guide indicating the contents of the insurance based on the health condition of the user is sent to the user. Thereby, since the proposal apparatus 100 can send the guidance of the insurance based on the user's health condition to the user's home at an appropriate timing, it is possible to easily propose more appropriate insurance for the user.

[1-4. Effects of the embodiment
As described above, the proposal device 100 according to the embodiment includes the reception unit 131, the estimation unit 132, and the proposal unit 133. The receiving unit 131 receives user information regarding the user acquired by the sensor. The estimation unit 132 estimates the user's health based on the user information received by the reception unit 131. The proposing unit 133 proposes insurance to the user based on the health state estimated by the estimating unit 132.

  Thereby, since the proposal apparatus 100 can propose the insurance based on the received sign of the change of the user information, it is possible to easily propose a more appropriate insurance for the user. For example, since the proposal device 100 continuously acquires data related to the user by the IoT device, it is possible to propose insurance more appropriate for the user with high accuracy. Moreover, since the proposal apparatus 100 can acquire user information automatically from an IoT apparatus, the effort which a user inputs user information can be reduced.

  Moreover, the proposal apparatus 100 which concerns on embodiment has further the provision part 134 which provides a user with the privilege according to the quantity or kind of user information received by the receiving part 131. FIG. Thereby, since the proposal apparatus 100 can raise the user's motivation which provides user information, it can acquire much information from a user. Moreover, since the proposal apparatus 100 can obtain a lot of information from the user, such information can be sold to an insurance company or used for targeting.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the provision part 134 applies the insurance discount rate with respect to a user as a privilege. Thereby, since the proposal apparatus 100 can give a user the merit of contracting insurance, it is possible to increase the insurance contract rate.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the receiving part 131 receives the user information containing the information which shows a user's action or a lifestyle. Thereby, since the proposal apparatus 100 can estimate a user's health state more correctly, it can propose more suitable insurance for a user with high precision. Further, the proposal device 100 can set the insurance premium to a more appropriate amount based on the user information.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the estimation part 132 estimates a user's lifetime as a healthy state. Thereby, since the proposal apparatus 100 can propose the insurance according to a user's health condition, it can propose more suitable insurance for a user with high precision. Moreover, since the proposal apparatus 100 can visualize a user's health condition, it can provide useful information for the user. For example, the proposal apparatus 100 can give a user a merit regardless of the magnitude of the user information or the user's health risk. As an example, the proposal device 100 can propose an insurance that requires a low insurance premium for a user with a relatively small health risk. On the other hand, the proposing device 100 can propose insurance for a user who has a relatively large health risk in preparation for a situation in which a future illness occurs. Moreover, the proposal apparatus 100 can raise a user's health management consciousness by visualizing a user's health state.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the proposal part 133 proposes insurance to a user based on the time-dependent change of a health condition. Thereby, since the suggestion apparatus 100 continues to acquire data related to the user by the IoT device every day, it is possible to quickly detect the change in the user's health condition and propose an appropriate insurance to the user at an appropriate timing. it can. For example, the suggestion apparatus 100 can be insured before the user falls for examination. Moreover, the proposal apparatus 100 can propose insurance even if the user has a medical history in the past and the health condition becomes good.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the proposal part 133 proposes insurance to a user within a predetermined period from the time when the health condition has changed. Thereby, since the proposal apparatus 100 can propose an insurance to the user whose health condition has improved, it is possible to rescue a user who has failed to participate in the insurance because of a previous examination. Moreover, since the proposal apparatus 100 can propose insurance when a user satisfies a predetermined condition, it is possible to reduce expenses for advertisements and the like.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the proposal part 133 performs the proposal which switches to the insurance according to a health condition, when the insurance according to a health condition differs from the insurance in which the user is joining. Thereby, since the proposal apparatus 100 can propose the insurance suitable for a user rather than the insurance which the user has currently joined, it can raise the insurance contract rate.

  Moreover, in the proposal apparatus 100 which concerns on embodiment, the proposal part 133 proposes insurance to a user by notifying the insurance manager that the guidance which shows the content of the insurance based on a health condition is sent to a user. Thereby, the proposal apparatus 100 can propose a suitable insurance for a user easily. For example, the proposal apparatus 100 can automatically send insurance guidance to the user without requesting the material by himself or consulting at the window, thereby reducing the time for the user to search for insurance or to request the material. be able to.

[2. (Modification)
The proposed apparatus 100 according to the above-described embodiment may be implemented in various different forms other than the above-described embodiment. Therefore, in the following, another embodiment of the proposed device 100 will be described.

[2-1. (Propose insurance by advertising content)
In the above embodiment, the example has been described in which the proposal device 100 proposes insurance to the user by notifying the insurance administrator that the guidance indicating the contents of the insurance based on the health condition is sent to the user. Here, the proposal apparatus 100 may propose insurance to the user by various contents, not limited to direct mail.

  Specifically, the proposal unit 133 of the proposal device 100 makes a proposal by displaying advertisement content related to insurance on content (for example, a web page) browsed by the user. This point will be described with reference to FIG. FIG. 8 is a diagram illustrating an example of a screen displaying advertisement content. As illustrated in FIG. 8, for example, the proposal device 100 makes a proposal by displaying advertisement content Ad related to insurance to be proposed to the user in the advertisement space of the web page Wi that the user browses. As an example, when the optimal insurance based on the user's health condition is the endowment insurance, the proposed apparatus 100 displays, as shown in FIG. A proposal is displayed by displaying an advertisement displaying the content of informing the user of the optimal insurance such as “insurance”. In this case, for example, the proposal device 100 transmits an instruction to display the advertisement content Ad related to insurance in the advertisement space of the web page Wi to the providing server that provides the web page Wi. The proposal device 100 may make a proposal by displaying an advertisement on which information related to a privilege to be given to the user, such as “Now premium 2 discount!” Is displayed as the advertisement content Ad related to insurance.

  As described above, the proposal device 100 according to the modified example makes a proposal by displaying the advertisement content related to insurance on the content viewed by the user. Thereby, since the proposal apparatus 100 can propose an insurance to a user on a web page, it can propose an appropriate insurance for a user easily. For example, the proposal device 100 can reduce the trouble of sending direct mail or the like. In addition, the proposal device 100 can inform the user of the optimal insurance in a timely manner. Moreover, the proposal apparatus 100 can raise the contract rate of insurance by displaying the information regarding the privilege provided to a user on an advertisement.

  Moreover, the proposal apparatus 100 which concerns on a modification may propose insurance by an in-feed advertisement. Specifically, the proposal device 100 makes a proposal by displaying information on insurance between the contents of a web page browsed by the user. For example, when the web page is a design of a type in which the web page is read from the top to the bottom of a screen such as a smartphone, the proposal device 100 displays advertisement content in which information on insurance is described between the web page content and the content. Make suggestions by displaying. Thereby, since the proposal apparatus 100 can make it easy to put the information regarding insurance into a user's visual field, it can raise the contract rate of insurance.

[2-2. expiration date〕
In the above-described embodiment, an example has been described in which the proposal device 100 gives a user a privilege according to the amount or type of user information received by the reception unit 131. Here, the proposal apparatus 100 may set an expiration date for the privilege granted to the user.

  Specifically, the proposal device 100 sets an expiration date that expires when the user no longer satisfies a predetermined condition. For example, the proposed apparatus 100 sets, as the predetermined condition, an expiration date that expires when the predicted life of the user does not satisfy a predetermined threshold or more. And the proposal apparatus 100 matches the set expiration date with a privilege, and stores it in the privilege information memory | storage part 124. FIG.

  As described above, the proposed device 100 according to the modification sets an expiration date that expires when the user no longer satisfies the predetermined condition. Thereby, since the proposal apparatus 100 can prevent giving a privilege when a user stops satisfy | filling predetermined conditions, it can avoid the loss which arises by giving a privilege to an unhealthy user. For example, since the proposal apparatus 100 can revoke the benefits of users who became unhealthy after granting benefits, it is possible to suppress the insurance contract rate of unhealthy users who are likely to be ill after joining the insurance. it can. For this reason, the proposal apparatus 100 can suppress the expense of the insurance money paid by having become sick after insurance participation.

[2-3. (Proposed insurance when the prescribed conditions are met)
In the above-described embodiment, an example has been described in which the proposing device 100 proposes insurance to the user based on the health state estimated based on the user information. Here, the proposing device 100 may propose insurance when the user satisfies a predetermined condition.

  Specifically, the proposal unit 133 of the proposal device 100 proposes insurance in accordance with the user's life event. More specifically, the proposal device 100 determines a proposal time based on a user's behavior history on the Internet, and proposes insurance to the user at the determined proposal time. For example, the proposal apparatus 100 determines the proposal time based on the number of times of browsing and browsing the site related to the life event, the keyword used for the search, and the number of searches as the action history on the Internet of the user, and the determined proposal time is applied. Propose insurance that suits life events to users. In this case, for each user, the suggestion device 100 associates the life event of the user with the insurance that matches the life event and holds the associated event in the storage unit. Then, the proposing device 100 refers to the storage unit, and proposes the insurance associated with the life event to the user at the timing when the life event occurs. As an example, the suggestion apparatus 100 acquires information indicating that the user is engaged or married from a browsing history or a posting history of the web page. As an aspect, the proposal device 100 acquires information indicating that the user has applied for a wedding hall from a browsing history of a web page. In this case, the proposal device 100 proposes to switch from insurance for unmarried people to insurance for married people at the timing when such information is acquired. In another example, the suggestion device 100 acquires information indicating that the user has become pregnant or gave birth from an SNS post or the like. In this case, the proposal device 100 proposes insurance for children with children such as financial insurance at the timing when such information is acquired. In another example, the proposal device 100 acquires information indicating that the user has found a job from an SNS post or the like. In this case, the proposal device 100 proposes switching from insurance for students to insurance for adults at the timing when such information is acquired. In another example, the proposal device 100 acquires information indicating that the user has purchased a house from a browsing history of a web page. In this case, the suggestion device 100 proposes disaster insurance for homeowners at the timing when such information is acquired. As an example, the proposing device 100 proposes disaster insurance for homeowners to the user at a timing when it is determined that the number of browsing times of the web page related to home purchase is a predetermined number or more.

  Thus, the suggestion device 100 according to the modified example proposes insurance in accordance with the user's life event. Thereby, since the proposal apparatus 100 can propose the insurance suitable for a user, it can raise the insurance contract rate. Moreover, since the proposal apparatus 100 can propose the insurance suitable for the user at the time when the user reviews the contents of the insurance, it is possible to prompt the switching of the insurance that matches the user's situation in a timely manner, and the insurance contract rate Can be increased.

[2-4. (Consent to collect data)
In the above embodiment, an example has been described in which the proposal apparatus 100 receives user information about a user acquired by a sensor. Here, the proposal apparatus 100 may receive user information when obtaining consent from the user.

  Specifically, first, the receiving unit 131 of the proposal device 100 receives consent information indicating that the user device agrees to provide user information from the terminal device 10. Then, the proposal device 100 receives user information from the terminal device 10 only when the consent information is received from the terminal device 10.

  Thus, the proposal apparatus 100 which concerns on a modification receives user information from the terminal device 10, when obtaining consent from a user. Thereby, since the proposal apparatus 100 cannot receive user information, when consent is not obtained from a user, it can give a user a sense of security. For example, since the proposal apparatus 100 can prevent the provision of personal information against the user's will, troubles due to acquisition of personal information can be avoided.

[2-5. (Determining whether a user is alive or dead)
In the above-described embodiment, an example has been described in which the proposing device 100 estimates a user's health state based on user information received by the receiving unit 131. Here, the suggestion device 100 may perform the life / death determination of the user based on the user information.

  Specifically, the estimation unit 132 of the proposal device 100 performs the life / death determination of the user when the user information is not received by the reception unit 131 for a predetermined period. For example, when the proposed device 100 stops receiving user information acquired by the sensor of the terminal device 10 for one week or more, or when the user's heartbeat stops and measurement of the heart rate becomes impossible, Estimate that the user died. Proposal device 100 may perform life / death determination of a user, when a plurality of types of user information are no longer received. For example, the proposed device 100 determines that the user's activity has stopped when the user's heart rate and moving distance are not measured by the sensor and are no longer received from the terminal device 10 as a plurality of types of user information. Estimate that the user died.

  Thus, the proposal apparatus 100 which concerns on a modification performs a user's life / death determination, when user information is no longer received by the receiving part 131 for a predetermined period. Thereby, since the proposal apparatus 100 can determine a user's death, it can stop the proposal of the insurance with respect to this user. Moreover, since the proposal apparatus 100 can determine a user's death, when there is a claim for insurance money, it can be used as a basis for payment of the insurance money for death and prevent unpaid insurance money. it can.

[2-6. Effect of modification)
As described above, the proposal device 100 according to the modification makes a proposal by displaying advertisement content related to insurance on the content viewed by the user.

  Thereby, since the proposal apparatus 100 which concerns on a modification can propose an insurance to a user on a web page, it can propose an appropriate insurance for a user easily. For example, the proposal device 100 can reduce the trouble of sending direct mail or the like. In addition, the proposal device 100 can inform the user of the optimal insurance in a timely manner. Moreover, the proposal apparatus 100 can raise the contract rate of insurance by displaying the information regarding the privilege provided to a user on an advertisement.

[3. Others]
In addition, among the processes described in the above embodiment, all or part of the processes described as being automatically performed can be performed manually, or the processes described as being performed manually can be performed. All or a part can be automatically performed by a known method. In addition, the processing procedures, specific names, and information including various data and parameters shown in the document and drawings can be arbitrarily changed unless otherwise specified.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  For example, the user information storage unit 121 illustrated in FIG. 2 may be stored in a storage server or the like without being held by the proposal device 100. In this case, the proposal apparatus 100 acquires user information by accessing the storage server.

  Further, the proposal device 100 may be a proposal device that performs only the proposal process without performing the estimation process. In this case, the proposed apparatus does not include the estimation unit 132. And the estimation apparatus which has the estimation part 132 estimates a user's health state.

  Moreover, the proposal apparatus 100 which concerns on embodiment mentioned above is implement | achieved by the computer 1000 of a structure as shown, for example in FIG. Hereinafter, the proposed apparatus 100 will be described as an example. FIG. 9 is a hardware configuration diagram illustrating an example of a computer 1000 that implements the functions of the proposed device 100. The computer 1000 includes a CPU 1100, RAM 1200, ROM 1300, HDD 1400, communication interface (I / F) 1500, input / output interface (I / F) 1600, and media interface (I / F) 1700.

  The CPU 1100 operates based on a program stored in the ROM 1300 or the HDD 1400 and controls each unit. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

  The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. The communication interface 1500 receives data from other devices via the communication network N and sends the data to the CPU 1100, and transmits the data generated by the CPU 1100 to other devices via the communication network N.

  The CPU 1100 controls an output device such as a display and a printer and an input device such as a keyboard and a mouse via the input / output interface 1600. The CPU 1100 acquires data from the input device via the input / output interface 1600. Further, the CPU 1100 outputs the generated data to the output device via the input / output interface 1600.

  The media interface 1700 reads a program or data stored in the recording medium 1800 and provides it to the CPU 1100 via the RAM 1200. The CPU 1100 loads such a program from the recording medium 1800 onto the RAM 1200 via the media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or PD (Phase change rewritable disk), a magneto-optical recording medium such as an MO (Magneto Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. It is.

  For example, when the computer 1000 functions as the proposed apparatus 100 according to the embodiment, the CPU 1100 of the computer 1000 implements the function of the control unit 130 by executing a program loaded on the RAM 1200. The HDD 1400 stores data in the storage unit 120. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them. However, as another example, these programs may be acquired from other devices via the communication network N.

  As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to implement the present invention in other forms with improvements.

  Further, the proposed apparatus 100 described above may be realized by a plurality of server computers, and depending on functions, an external platform or the like may be realized by calling an API (Application Programming Interface) or network computing. Can be changed flexibly.

  Further, “section (module, unit)” described in the claims can be read as “means”, “circuit”, and the like. For example, the receiving unit can be read as receiving means or a receiving circuit.

DESCRIPTION OF SYMBOLS 1 Proposal system 10 Terminal apparatus 100 Proposal apparatus 121 User information storage part 122 Estimated information storage part 123 Insurance information storage part 124 Benefit information storage part 131 Receiving part 132 Estimating part 133 Proposal part 134 Giving part

Claims (13)

A receiving unit for receiving user information about the user acquired by the sensor;
Based on the user information received by the receiving unit, an estimating unit that estimates the health state of the user;
And a proposing unit that proposes insurance to the user based on the health state estimated by the estimating unit. The proposal device according to claim 1, further comprising: a granting unit that grants a privilege according to the amount or type of user information received by the receiving unit to the user. The grant unit is
The proposal device according to claim 2, wherein a discount price of the insurance is applied to the user as the privilege. The receiver is
The proposal device according to claim 1, wherein the user information including information indicating the user's behavior or lifestyle is received. The estimation unit includes
The suggestion device according to claim 1, wherein the lifetime of the user is estimated as the health state. The proposal section
The proposal device according to any one of claims 1 to 5, wherein insurance is proposed to the user based on a change with time of the health condition. The proposal section
The proposal device according to any one of claims 1 to 6, wherein insurance is proposed to the user within a predetermined period from when the health condition has changed. The proposal section
The proposal of switching to the contents of the insurance according to the health condition when the contents of the insurance according to the health condition are different from the contents of the insurance that the user is subscribed to. The proposal apparatus as described in any one. The proposal section
The proposal device according to claim 1, wherein the proposal is performed by displaying advertisement content related to the insurance in content browsed by the user. The proposal section
The proposal device according to any one of claims 1 to 9, wherein a proposal time is determined based on an action history on the Internet of the user, and the insurance is proposed to the user at the determined proposal time. . The estimation unit includes
The proposal device according to any one of claims 1 to 10, wherein when the user information is not received by the reception unit for a predetermined period, the life / death determination of the user is performed. A proposal method executed by a proposal device,
A receiving step of receiving user information about the user acquired by the sensor;
Based on the user information received by the receiving step, an estimating step for estimating the health state of the user;
And a proposing step of proposing insurance to the user based on the health condition estimated by the estimating step. A receiving procedure for receiving user information about the user acquired by the sensor;
An estimation procedure for estimating the health status of the user based on the user information received by the reception procedure;
A proposing program for causing a computer to execute a proposing procedure for proposing insurance to the user based on a health condition estimated by the estimating procedure.

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