JP2018106401A - Insurance business support system, insurance business support device and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance business support system, an insurance business support device and a computer program that allow any insurance business operator to calculate an insurance fee using the same health information.SOLUTION: An insurance business support system comprises an insurance business support device 1 and an insurance proposal device 2 proposing an insurance. The insurance business support device 1 has a storage unit storing health information regarding a health of an individual, and a health information transmission unit transmitting the health information to the insurance proposal device 2. The insurance proposal device 2 has an insurance fee calculation unit calculating the insurance fee of the insurance with the individual as an insured person according to the received health information.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an insurance business support system, an insurance business support device, and a computer program that support insurance business related to human health.

  For insurance related to human health, such as medical insurance or life insurance, it is desirable that the insurance content be determined according to the health status of the insured. For example, it is desirable for insurance premiums to be reduced for insured persons with better health. However, in reality, it is difficult to grasp the health status of the insured. Patent Document 1 discloses a technique for determining an insurance premium based on health information related to health of an insured person such as a result of a health check.

Japanese Patent No. 4996935

  In the technique disclosed in Patent Document 1, the health information of the insured is acquired by the insurance company. For this reason, health information cannot be used by other insurance companies. For the insured, there is a problem that it is difficult for an insurance company to calculate an insurance premium according to their health condition.

  The present invention has been made in view of such circumstances, and the purpose of the present invention is to provide insurance business support that allows any insurance company to calculate a premium using the same health information. It is to provide a system, an insurance business support device, and a computer program.

  An insurance business support system according to the present invention is an insurance business support system including an insurance business support device and an insurance proposal device for proposing insurance, and the insurance business support device stores health information relating to personal health. A health information transmitting unit that transmits the health information to the insurance proposing device, and the insurance proposing device provides insurance insurance for the individual as an insured in accordance with the received health information It has an insurance premium calculation unit for calculating a premium.

  In the insurance business support system according to the present invention, the insurance business support device further includes a request reception unit that receives a request for an insurance proposal for the individual as an insured, and the health information transmission unit receives the request reception When the unit accepts the request, the health information is transmitted to the insurance proposal device, and the insurance proposal device creates an insurance proposal content including the insurance premium calculated by the insurance premium calculation unit. It further includes a creation unit and a proposal transmission unit that transmits the created proposal content to the insurance business support device, and the insurance business support device further includes an output unit that outputs the received proposal content. And

  The insurance business support system according to the present invention includes a plurality of insurance proposing devices, the health information transmitting unit transmits the health information to the plurality of insurance proposing devices, and the output unit includes the plurality of insurances. A plurality of insurance proposal contents received from the proposal device are output.

  In the insurance business support system according to the present invention, the output unit outputs at least a part of the health information together with the proposal content.

  In the insurance business support system according to the present invention, the health information includes medical examination results, physical measurement results, medical examination results, activity information indicating the amount of activity of the individual, and medication information indicating the status of the individual's medication. It includes at least one of a result of answering a question regarding health to the individual or meal information regarding the meal of the individual.

  In the insurance business support system according to the present invention, the insurance business support device includes an acquisition unit that acquires first health information related to the personal health, and the personal health based on the acquired first health information. A calculation unit for calculating second health information indicating a degree, the storage unit stores the first health information and the second health information, and the health information is stored in the first health information. It contains health information and / or the second health information.

  In the insurance business support system according to the present invention, the calculation unit calculates the second health information while weighting the first health information according to the type of the first health information. It is characterized by.

  In the insurance business support system according to the present invention, the calculation unit calculates the second health information while weighting the first health information according to an acquisition source of the first health information. It is characterized by that.

  The insurance business support system according to the present invention is characterized in that the calculation unit calculates the second health information according to a time series change of the first health information.

  In the insurance business support system according to the present invention, the storage unit stores doctor information related to a doctor, and the insurance business support device further includes a mediation unit that mediates communication with the doctor in which the doctor information is stored. It is characterized by having.

  The insurance business support system according to the present invention includes a first acquisition unit that acquires information indicating a medical treatment result for an individual by a doctor, a result of a physical measurement of the individual at a predetermined facility, or a result of the medical examination of the individual A second acquisition unit that acquires information indicating the insurance, and an insurance premium calculation unit that calculates an insurance premium for the insured person according to the information acquired by the first acquisition unit and the second acquisition unit It is characterized by providing.

  The insurance business support system according to the present invention further includes a storage unit that stores doctor information regarding a doctor and an introduction unit that introduces the doctor in which the doctor information is stored to the individual.

  The insurance business support system according to the present invention is further characterized by further comprising an intermediary unit that mediates communication with a doctor in which the doctor information is stored.

  An insurance business support device according to the present invention is an insurance business support device for supporting insurance business, and a request for a proposal of insurance for storing health information related to personal health and insurance for the individual as an insured person A request reception unit that receives the health information, a health information transmission unit that transmits the health information to the outside when the request reception unit receives the request, and an insurance that includes an insurance premium calculated according to the health information. It is characterized by comprising a receiving unit for receiving proposal content from the outside and an output unit for outputting the received proposal content.

  An insurance business support apparatus according to the present invention includes an acquisition unit that acquires first health information relating to the individual's health, and a second health that indicates the health level of the individual based on the acquired first health information. A calculation unit that calculates information, wherein the storage unit stores the first health information and the second health information, and the health information includes the first health information and / or the second health information. It is characterized by containing health information.

  When the computer program according to the present invention receives a request for an insurance proposal for an individual as an insured person from a computer having a storage unit and a communication unit, the computer program stores the personal information stored in the storage unit. The transmission step of transmitting health information related to health to the outside by the communication unit, and the proposal received when the communication unit receives the insurance proposal content including the insurance premium calculated according to the health information. And executing a process including a step of outputting contents by the communication unit.

  The computer program according to the present invention includes a step of acquiring, by the communication unit, first health information related to the individual's health in the computer, and determining the health level of the individual based on the acquired first health information. A calculation step of calculating second health information to be displayed, wherein the transmission step causes the computer to receive the health information including the first health information and / or the second health information. It is characterized by transmitting.

  In the computer program according to the present invention, the calculating step calculates the second health information while weighting the first health information according to the type of the first health information. It is characterized by making it.

  In the computer program according to the present invention, in the calculation step, the second health information is weighted to the computer according to an acquisition source of the first health information while weighting the first health information. It is calculated.

  The computer program according to the present invention is characterized in that the calculating step causes the computer to calculate the second health information according to a time series change of the first health information.

  In the present invention, the insurance business support device stores health information related to personal health and transmits the health information to the insurance proposal device, and the insurance proposal device calculates an insurance premium according to the health information. The insurance business support device is independent of the insurance proposal device used by the insurance company, and any insurance company can use the insurance proposal device to calculate the insurance premium using the same health information It is.

  In the present invention, the insurance business support device accepts a request for insurance proposal and transmits health information to the insurance proposal device, and the insurance proposal device includes the insurance proposal content including the insurance premium according to the health information. Create The insurance proposal device transmits the insurance proposal content to the insurance business support device, and the insurance business support device outputs the insurance proposal content to the user. For users with good health conditions, insurance premiums are discounted, such as insurance premiums are discounted.

  In the present invention, the insurance business support device transmits health information to a plurality of insurance proposal devices, and outputs a plurality of insurance proposal contents created by the plurality of insurance proposal devices. It becomes possible to compare the proposal contents of a plurality of insurances prepared in accordance with the health condition of the individual.

  In the present invention, the insurance business support device outputs health information together with the insurance proposal content. The user can check his / her health condition along with the insurance proposal.

  Further, in the present invention, the health information includes medical examination results, physical measurement results, medical examination results, activity information indicating the amount of individual activity, medication information indicating the status of individual medication, and questions regarding health to the individual. The result of the answer to, or meal information about an individual meal is included. Information indicating the health status of the individual is used to create insurance proposals.

  In the present invention, the insurance business support apparatus acquires first health information related to personal health, and calculates second health information indicating the health level of the individual based on the first health information. The health information transmitted from the insurance business support device to the insurance proposal device includes first health information and / or second health information. The insurance proposal device can create insurance proposal content according to the first health information acquired from the outside, or can create insurance proposal content according to the health level indicated by the second health information. is there.

  In the present invention, the insurance business support apparatus calculates the second health information while performing weighting according to the type of the first health information. Depending on the type of the first health information, the degree of influence on the individual's health status varies. The weighting adjusts the influence on the second health information according to the type of the first health information.

  In the present invention, the insurance business support device calculates the second health information while performing weighting according to the acquisition source of the first health information. The reliability of the first health information differs depending on the acquisition source. The weighting adjusts the influence on the second health information according to the reliability of the first health information.

  In the present invention, the insurance business support device calculates the second health information according to the time series change of the first health information. As a result, the current health status of the individual can be represented by the second health information.

  In the present invention, the insurance business support device mediates communication from the user to a specific doctor. The user can ask the doctor for advice on his health and insurance.

  In the present invention, the insurance business support system introduces a doctor to the user. The user can know a doctor who can receive medical care.

  In the present invention, the user can have an arbitrary insurance company propose an insurance premium according to his / her health condition. In addition, an insurance company can propose insurance premiums that match the individual's health without managing personal health information. Thus, the present invention has an excellent effect.

It is a schematic diagram which shows the structure of an insurance business support system. It is a functional block diagram which shows the function structure of an insurance business support device. It is a block diagram which shows the specific structural example of an insurance business support device. It is a functional block diagram which shows the function structure of an insurance proposal apparatus. It is a block diagram which shows the specific structural example of an insurance proposal apparatus. It is a block diagram which shows the specific structural example of a user terminal device. It is a flowchart which shows the procedure of the process which memorize | stores the health information which an insurance operation assistance apparatus performs. It is a conceptual diagram which shows the example of the content of health information. It is a flowchart which shows the procedure of the example of the process which updates a health point by the calculation process of S13. It is a flowchart which shows the procedure of the process which an insurance business assistance system proposes insurance with respect to a user. It is a flowchart which shows the procedure of the process which an insurance business assistance system proposes insurance with respect to a user. It is a flowchart which shows the procedure of the example of a process of insurance premium calculation of S315. It is a schematic diagram which shows the example of the screen which displayed the proposal content of insurance, health information, and doctor information.

Hereinafter, the present invention will be specifically described with reference to the drawings showing embodiments thereof.
<Embodiment 1>
FIG. 1 is a schematic diagram showing a configuration of an insurance business support system. The insurance business support system is a system that manages human health information and supports insurance business related to human health. In the present embodiment, health information is managed by the insurance business support system, and insurance is proposed to the user. The insurance business support system includes an insurance business support device 1 for supporting insurance business, and an insurance proposal device 2 used by an insurance business operator. The insurance business support device 1 and the insurance proposal device 2 are connected to a communication network N such as the Internet. The insurance business support system can be used by a plurality of insurance companies. The insurance business support system includes a plurality of insurance proposal devices 2 used by a plurality of insurance companies. In addition, the insurance business support system includes a user terminal device 3 used by a user 30 who is an individual. The user terminal device 3 is connected to the communication network N. In the figure, an example in which the user terminal device 3 is connected to the communication network N by wireless communication is shown. The user terminal device 3 may be connected to the communication network N by wired communication.

  The insurance service support apparatus 1 includes a storage device 41 used in a medical institution performing a medical examination, a storage device 42 used in a medical institution, a measuring device 43 that measures an individual's physical measurement or an individual's activity, A detector 44 that detects taking-out of medicine to be taken is connected through a communication network N. A medical test such as a blood test is performed on the individual, and the result of the medical test is stored in the storage device 41 in association with information for identifying the individual. In addition, the result of treating a person by a doctor at a medical institution is stored in the storage device 42 in association with information for identifying the individual. The stored medical treatment result is a result of a medical treatment performed by the user 30 visiting a medical institution or a result of a remote medical treatment performed remotely through the communication network N. The measuring device 43 is a device that measures the body of the user 30 such as a weight scale, a body fat percentage meter, or a blood pressure meter, or a device that measures the amount of activity of the user 30 such as a pedometer. The measuring device 43 has a function capable of transmitting a measurement result to the insurance business support device 1 via the communication network N. The measuring device 43 is a device that is not managed by the user 30 such as a device owned by the user 30 or a device installed in a pharmacy.

  The detector 44 is a device that detects whether or not a medicine is taken out from a package that contains the medicine, or a device that detects whether or not a medicine is taken out from a calendar that contains the medicine. When the detector 44 detects that the medicine has been taken out from the package, it is detected that an individual who has the package has taken the medicine. Further, when the detector 44 detects that the medicine has been taken out from the calendar, it is detected that an individual who has the calendar has taken the medicine. The insurance business support system may include a plurality of storage devices 41 or a plurality of storage devices 42. In addition, the insurance business support system includes a plurality of measuring devices 43 and a plurality of detectors 44.

  FIG. 2 is a functional block diagram showing a functional configuration of the insurance business support apparatus 1. The insurance business support apparatus 1 includes a storage unit 121 that stores health information related to the health of the user 30. In addition, the insurance business support device 1 obtains the first health information related to the health of the user 30 from the outside, and the second health information indicating the health level of the user 30 from the obtained first health information. And a calculating unit 112 for calculating. The insurance business support device 1 also receives from the insurance proposal device 2 a request reception unit 113 that receives a request for insurance proposal, a health information transmission unit 114 that transmits health information to the insurance proposal device 2, and insurance proposal content. Receiving section 115, and an output section 116 for outputting the insurance proposal contents to the user 30. The insurance business support apparatus 1 includes an intermediary unit 117 that mediates between the user 30 and the doctor, and an introduction unit 118 that introduces the doctor to the user 30.

  FIG. 3 is a block diagram illustrating a specific configuration example of the insurance business support apparatus 1. The insurance business support device 1 is composed of a computer such as a server device. The insurance business support device 1 is connected to a communication network N by performing communication among a CPU (Central Processing Unit) 11, a RAM (Random Access Memory) 12, a non-volatile storage unit 13, and the outside. A communication unit 14 and a drive unit 16 that reads information from a recording medium 5 such as an optical disk or a portable memory. For example, the non-volatile storage unit 13 is a hard disk or a non-volatile semiconductor memory. The non-volatile storage unit 13 stores a computer program 15. The CPU 11 causes the drive unit 16 to read the computer program 15 recorded in the recording medium 5 and stores the read computer program 15 in the nonvolatile storage unit 13. The computer program 15 may be downloaded through the communication unit 14 and stored in the nonvolatile storage unit 13 or may be stored in advance in the nonvolatile storage unit 13. The CPU 11 executes various processes according to the computer program 15 and controls each part of the insurance business support apparatus 1. When the CPU 11 performs processing and control according to the computer program 15, the acquisition unit 111, the calculation unit 112, the request reception unit 113, the health information transmission unit 114, the reception unit 115, the output unit 116, the mediation unit 117, and the introduction unit 118. Is realized. The storage unit 121 includes a RAM 12 and a nonvolatile storage unit 13. Note that some or all of the acquisition unit 111, the calculation unit 112, the request reception unit 113, the health information transmission unit 114, the reception unit 115, the output unit 116, the mediation unit 117, and the introduction unit 118 are realized by processing using software. Instead, it may be configured by hardware.

  The computer program 15 includes a web server program, and the non-volatile storage unit 13 stores web data 131. As the CPU 11 performs processing according to the computer program 15, the insurance business support device 1 functions as a web server. In addition, the nonvolatile storage unit 13 stores health information 132 regarding a plurality of individuals and doctor information 133 regarding a plurality of doctors. The insurance business support device 1 may be composed of a plurality of devices. For example, the insurance business support device 1 may include a storage device that stores the health information 132 and a computer that executes processing according to the computer program 15.

  FIG. 4 is a functional block diagram showing a functional configuration of the insurance proposal device 2. The insurance proposal device 2 transmits an insurance premium calculation unit 211 that calculates an insurance premium according to health information, a proposal creation unit 212 that creates insurance proposal content, and the created insurance proposal content to the insurance business support device 1 And a suggestion transmission unit 213.

  FIG. 5 is a block diagram illustrating a specific configuration example of the insurance proposal device 2. The insurance proposal device 2 is composed of a computer such as a server device. The insurance proposal device 2 includes a CPU 21, a RAM 22, a nonvolatile storage unit 23, and a communication unit 24 that communicates with the outside and is connected to the communication network N. The non-volatile storage unit 23 stores a computer program 231. The CPU 21 executes various processes according to the computer program 231 and controls each part of the insurance proposal device 2. When the CPU 21 performs processing and control according to the computer program 231, the insurance fee calculation unit 211, the proposal creation unit 212, and the proposal transmission unit 213 are realized. Note that some or all of the insurance premium calculation unit 211, the proposal creation unit 212, and the proposal transmission unit 213 may not be realized by processing using software, but may be configured by hardware.

  FIG. 6 is a block diagram illustrating a specific configuration example of the user terminal device 3. The user terminal device 3 is configured by a computer such as a smartphone, a tablet, or a PC (personal computer). The user terminal device 3 is a dedicated terminal device installed in a store such as a property owned by the user 30 or a pharmacy. The user terminal device 3 includes a calculation unit 31, a RAM 32, a nonvolatile storage unit 33, a reception unit 34 that receives input of information from the user 30, an output unit 35 that outputs information, and the outside. And a communication unit 36 connected to the communication network N. The non-volatile storage unit 33 stores a computer program 331. For example, the reception unit 34 is a touch panel, a keyboard, or a voice input unit. The output unit 35 outputs information by displaying an image or outputting sound. For example, the output unit 35 is a display. The computing unit 31 executes various processes according to the computer program 331 and controls each unit of the user terminal device 3.

  The storage device 41 and the storage device 42 include a CPU, a RAM, a nonvolatile storage unit, and a communication unit that communicates with the outside and is connected to the communication network N. The measuring device 43 has a transmission unit for transmitting the measurement result to the insurance business support device 1 via the communication network N. The insurance business support system may include a device (not shown) that mediates communication.

  Next, processing performed by the insurance business support system will be described. The insurance business support device 1 performs processing for storing health information related to the health of a plurality of individuals. FIG. 7 is a flowchart showing a procedure of processing for storing health information executed by the insurance business support apparatus 1. The CPU 11 executes the following processing according to the computer program 15. The insurance business support device 1 performs processing for acquiring first health information related to personal health (S11). The first health information includes the result of the medical examination stored in the storage device 41, the medical treatment result stored in the storage device 42, the result of the physical measurement measured by the measurement device 43, and the measurement by the measurement device 43. Activity information that indicates the amount of activity that has been taken, medication information that indicates the status of individual medication, results of answers to questions about health for individuals, or meal information that relates to individual meals.

  For example, the storage device 41 periodically transmits the result of the medical examination to the insurance business support device 1 through the communication network N, and the insurance business support device 1 receives the result of the medical examination by the communication unit 14. Obtain first health information. Further, the storage device 42 periodically transmits the medical treatment result to the insurance business support device 1 via the communication network N, and the insurance business support device 1 receives the medical treatment result by the communication unit 14, thereby Get health information. The storage device 41 may transmit a medical examination result every time a new medical examination result is stored, and the storage device 42 may transmit a medical examination result every time a new medical examination result is stored. Good. In addition, the CPU 11 periodically causes the communication unit 14 to transmit a request for the first health information to the storage device 41 or the storage device 42 via the communication network N, and the storage device 41 or the storage device 42 responds to the request. 1 health information may be transmitted to the insurance business support apparatus 1. The measuring device 43 transmits the result of the physical measurement or the activity information to the insurance business support device 1 through the communication network N every time the individual's physical measurement is performed or the individual activity amount is measured. The measuring device 43 transmits information including information for identifying an individual. The insurance business support apparatus 1 acquires the first health information by receiving the transmitted physical measurement result or activity information by the communication unit 14.

  The detector 44 sends information indicating that the medicine has been taken out from the package or calendar containing the medicine to the insurance business support apparatus 1 through the communication network N periodically or whenever it detects that the medicine has been taken out. Send. The detector 44 also periodically transmits information indicating that no medicine has been taken out to the insurance business support apparatus 1 through the communication network N when no medicine has been taken out from the package or calendar. Good. The information indicating that the medicine has been taken out and the information indicating that the medicine has not been taken out are the medication information indicating the individual's medication status. The insurance business support apparatus 1 acquires the medication information as the first health information by receiving the information transmitted from the detector 44 by the communication unit 14.

  In a medical institution, an inquiry about health is performed on an individual, and the storage device 42 stores a response result to the inquiry in association with information for identifying the individual. The storage device 42 periodically transmits the answer to the inquiry to the insurance business support device 1 via the communication network N. The storage device 42 may transmit the answer result each time a new answer result is stored. In addition, in a store such as a pharmacy, a questionnaire regarding health is performed for the user 30 who is a customer. The answer to the questionnaire is transmitted to the insurance business support device 1 via the communication network N by the user terminal device 3 owned by the user 30 or the user terminal device 3 installed in the store. In addition to the user terminal device 3, there may be a device for sending the answer to the questionnaire to the insurance business support device 1. The results of answering medical interviews at medical institutions and the results of answering questionnaires at stores are the results of answers to questions about health for individuals. The insurance business support device 1 acquires the answer result to the question about the health for the individual as the first health information by receiving the answer result to the inquiry or the answer result to the questionnaire by the communication unit 14.

  The user terminal device 3 receives meal information related to the meal of the user 30 and transmits it to the insurance business support device 1 via the communication network N. The meal information may be input to the user terminal device 3 by the user 30 himself / herself. The user 30 may be interviewed about the meal at the store, and the meal information may be input to the user terminal device 3 based on the interview. In addition to the user terminal device 3, the store may have a device for transmitting meal information to the insurance business support device 1. In addition, the storage device 42 may store meal information regarding an individual meal obtained by medical treatment or an inquiry and transmit the meal information to the insurance business support device 1. The insurance business support apparatus 1 acquires the first health information by receiving the meal information through the communication unit 14.

  The insurance business support device 1 may be configured to acquire the first health information that is personal information under the consent of the user 30. For example, in response to the operation of the user 30, the user terminal device 3 downloads the medical examination result related to the user 30 from the storage device 41, downloads the medical examination result related to the user 30 from the storage device 42, and downloaded the medical examination And the medical treatment result are transmitted to the insurance business support apparatus 1. The insurance business support device 1 acquires the medical examination result and the medical treatment result transmitted from the user terminal device 3. Further, for example, in response to an operation of the user 30, the user terminal device 3 transmits an instruction to transmit a result of the medical examination to the storage device 41, and the storage device 41 performs a medical examination related to the user 30 in accordance with the transmission instruction Is sent to the insurance business support apparatus 1. Further, for example, the user terminal device 3 transmits a medical result transmission instruction to the storage device 42 in response to the operation of the user 30, and the storage device 42 insures the medical result related to the user 30 in response to the transmission instruction. It transmits to the business support apparatus 1. In addition, for example, when the measurement device 43 receives an information transmission instruction by a user operation, the measurement device 43 transmits the result of physical measurement or activity information to the insurance business support device 1. Further, for example, in response to the operation of the user 30, the user terminal device 3 transmits permission information indicating that the acquisition of the first health information is permitted to the insurance business support device 1, and the insurance business support device 1 According to the permission information, a process for acquiring the first health information related to the user 30 is performed.

  The CPU 11 stores the received first health information in the nonvolatile storage unit 13 by adding the received first health information to the health information 132 stored in the nonvolatile storage unit 13 (S12). . Next, CPU11 performs the calculation process which calculates the 2nd health information which shows a person's health degree based on the 1st health information memorize | stored in the non-volatile memory | storage part 13 (S13). Next, the CPU 11 stores the calculated second health information in the nonvolatile storage unit 13 by adding the calculated second health information to the health information 132 (S14), and ends the process. The process of S11 corresponds to the acquisition unit 111, and the process of S13 corresponds to the calculation unit 112.

  FIG. 8 is a conceptual diagram showing an example of the contents of health information 132. The health information 132 includes information about a plurality of individuals. The health information 132 includes basic user information regarding a plurality of individuals. The user basic information includes a user ID for identifying each individual, and basic information such as age or sex of each individual is associated with the user ID. A health point is associated with the user ID. The health point corresponds to second health information indicating an individual's health level. In addition, the health information 132 includes first health information composed of various numerical values related to personal health, such as measured blood pressure, physical measurement results, activity information indicating the amount of personal activity, and blood test results. It is. In addition, the first health information may include medication information indicating the status of individual medication, answer results to questions about health for individuals, or meal information regarding personal meals. Each first health information is associated with the user ID and the date and time when the first health information such as the measurement date or the examination date was obtained. Moreover, although not shown in figure, the 1st health information is linked | related with the information which shows the acquisition origin of 1st health information. For example, the physical measurement result and activity information are associated with information for identifying whether the measurement is performed by the measurement device 43 owned by the individual or the measurement device 43 installed in a store such as a pharmacy. It has been. Each piece of information is associated with a user ID, so that health information is managed on an individual basis. Further, the health information 132 includes the same type of first health information with different user dates and different dates. For example, blood pressures having the same user ID and different measurement dates are included. Since the health information 132 includes the first health information with different dates and times obtained for the same individual, the time series change of the first health information for each individual is recorded.

  In the calculation process of S13, the CPU 11 calculates a health point that is the second health information of each individual based on the first health information acquired in S11. For example, when a health point relating to an individual is not included in the health information 132, the CPU 11 sets the health point to a predetermined value, or sets the difference between the value of the first health information and the predetermined reference value. Calculate health points accordingly. Further, when the health information 132 related to a certain individual is already included in the health information 132, the CPU 11 performs a process of updating the health point.

  FIG. 9 is a flowchart illustrating a procedure of an example of a process for updating health points in the calculation process of S13. The CPU 11 reads the first health information newly acquired in S11 from the health information 132 (S201), and determines whether or not the new first health information is the result of the blood test (S202). When the new first health information is the result of the blood test (S202: YES), the CPU 11 sets 50 points to be added to the health points (S203). Since the result of the blood test is information that greatly affects the individual's health condition, weighting is performed so as to increase the influence on the health point by increasing the point to be added to the health point. Thus, by performing weighting according to the type of the first health information, the influence on the health point is adjusted according to the degree of the influence of the first health information on the individual's health state.

  When the new first health information is not the result of the blood test in S202 (S202: NO), the CPU 11 is the one in which the new first health information is measured by the individual with the measuring device 43 owned by the individual. It is determined whether or not (S204). When the new first health information is measured by an individual (S204: YES), the CPU 11 sets the point to be added to the health point to 0 (S205). If the new first health information is not measured by an individual (S204: NO), the CPU 11 sets 10 as a point to be added to the health point (S206). For example, when the first health information is not measured by an individual, the first health information is measured by a measuring device 43 installed in a store such as a pharmacy. The first health information measured by the individual may be inaccurate and is not reliable. On the other hand, the first health information measured by the measuring device 43 installed in the store is expected to be highly reliable and more accurately reflect the individual's health condition. For this reason, weighting is performed so as to increase the influence on the health points by increasing the points to be added to the health points. Thus, by performing weighting according to the acquisition source of the first health information, the influence on the health point is adjusted according to the reliability of the first health information.

  After S203, S205, or S206 is completed, the CPU 11 compares the new first health information with the first health information obtained by the same type included in the health information 132 and having a different date and time. It is determined whether or not an improvement item is included in the first health information (S207). The improvement item is an item whose numerical value is improved as compared with the first health information obtained by different dates and times among the items included in the first health information. The CPU 11 determines whether or not the numerical value of each item included in the first health information has been improved so that the time-series change of the numerical values obtained at different dates approaches a predetermined reference or moves away. Judgment is made according to whether the change is made. When there is an improvement item (S207: YES), the CPU 11 sets the point to be added to the health points as a value obtained by multiplying the number of improvement items by 5 (S208). If there is no improvement item (S207: NO), the CPU 11 sets the point to be added to the health point to 0 (S208). In addition, CPU11 may produce | generate a negative numerical value as a point which should be added to a health point, when the item in which the numerical value deteriorated is contained in new 1st health information.

  After S208 or S209 ends, the CPU 11 adds the points obtained in the processing of S201 to S209 to the health points associated with the individual user ID (S210). When the points are obtained a plurality of times in the processes of S201 to S209, the CPU 11 adds all the points to the health points. Thereby, the health point is updated, and new second health information which is the updated health point is calculated. After S210 ends, the CPU 11 ends the calculation process of S13. The process shown in S201 to S210 is an example of the calculation process of S13, and the numerical value is also an example. The CPU 11 may calculate the second health information based on the first health information by another algorithm. As described above, the CPU 11 calculates the second health information according to the time series change of the first health information. As a result, the current health status of the individual can be represented by the second health information. In S13, second health information is calculated for each individual from whom the first health information was obtained. In S14, the health point associated with the user ID is updated to the calculated value.

  The insurance business support system performs processing for proposing insurance to the user 30 based on the health information. FIG. 10 and FIG. 11 are flowcharts showing a procedure of processing in which the insurance business support system proposes insurance to the user 30. The CPU 11 of the insurance business support apparatus 1 executes the following processing according to the computer program 15. The user terminal device 3 accepts an operation of the user 30 by the accepting unit 34 and accesses the insurance business support device 1 through the communication network N according to the operation. The insurance business support device 1 functions as a web server. The calculation unit 31 executes a web browser program included in the computer program 331 and causes the output unit 35 to display a web page based on the web data 131 stored in the nonvolatile storage unit 13 of the insurance business support device 1. . The accepting unit 34 accepts an instruction to request an insurance proposal by accepting an operation by the user 30 who visually recognizes the web page. The calculation unit 31 causes the communication unit 36 to transmit a request for insurance proposal to the insurance business support device 1 through the communication network N in accordance with the received instruction (S301).

  The insurance business support device 1 receives the insurance proposal request transmitted from the user terminal device 3 through the communication unit 14 (S302). The process of S302 corresponds to the request reception unit 113. The CPU 11 causes the communication unit 14 to transmit data for an authentication screen used for authenticating the user 30 to the user terminal device 3 through the communication network N (S303). For example, data for an authentication screen is included in the web data 131.

  The user terminal device 3 receives the data for the authentication screen transmitted from the insurance business support device 1 by the communication unit 36 (S304). The computing unit 31 displays an authentication screen on the output unit 35 based on the received data (S305). The authentication screen is a screen prompting input of authentication information necessary for authenticating the user 30. For example, the authentication information is a user ID included in the health information 132. The authentication information may be information other than the user ID associated with the user ID in the health information 132. Further, the authentication information may include a plurality of information such as a user ID and a password. The accepting unit 34 accepts an input of authentication information by accepting an operation by the user 30 who has viewed the authentication screen, and the computing unit 31 causes the communication unit 36 to transmit the authentication information to the insurance business support device 1 (S306). ). At this time, the calculation unit 31 may transmit the authentication information after hashing it.

  The insurance business support device 1 receives the authentication information transmitted from the user terminal device 3 by the communication unit 14 (S307). The CPU 11 authenticates the user 30 using the received authentication information (S308). For example, the CPU 11 performs authentication by hashing the authentication information of the user 30 stored in the nonvolatile storage unit 13 and comparing the hashed authentication information with the received hashed authentication information. When the authentication is successful (S308: YES), the CPU 11 causes the communication unit 14 to transmit the health information related to the user 30 to the insurance proposal device 2 through the communication network N (S309). In S309, the health information associated with the user ID of the user 30 is read from the health information 132, and the read health information is transmitted. When the health information is transmitted, both the first health information and the second health information may be transmitted, and one of the first health information or the second health information may be transmitted. In addition, the CPU 11 normally transmits health information to the plurality of insurance proposal devices 2. The process of S309 corresponds to the health information transmission unit 114.

  When the authentication is not successful (S308: NO), the CPU 11 causes the communication unit 14 to transmit error information indicating that the authentication is not successful to the user terminal device 3 (S310). The user terminal device 3 receives the error information by the communication unit 36 (S311). In accordance with the error information, the calculation unit 31 causes the output unit 35 to display an error notifying that authentication has not succeeded (S312), and ends the process.

  The insurance proposal device 2 receives the health information transmitted from the insurance business support device 1 through the communication unit 24 (S313). CPU21 specifies the kind of insurance which should be proposed with respect to the user 30 (S314). For example, the CPU 21 selects an appropriate type of insurance from a plurality of types of insurance prepared in advance according to information about the user 30 such as sex or age included in the received health information. Further, for example, the insurance proposal request transmitted from the user terminal device 3 to the insurance business support device 1 includes designation of the type of insurance, and the health information is sent from the insurance business support device 1 to the insurance proposal device 2 together with the health information. The designation of the insurance type is transmitted, and the CPU 21 specifies the type of insurance according to the received designation of the insurance type. Next, the CPU 21 performs a process of calculating an insurance premium according to the health information (S315). The process of S315 corresponds to the insurance premium calculation unit 211, and the processes of S314 and S315 correspond to the proposal creation unit 212.

  FIG. 12 is a flowchart showing a procedure of an example of insurance premium calculation processing in S315. The CPU 21 acquires the average number of steps of the user 30 from the received health information (S401). For example, the CPU 21 reads a plurality of steps with different measurement dates and times from the health information, and obtains the average number of steps by averaging the plurality of steps. Further, for example, the CPU 21 may acquire the average number of steps within a predetermined period such as the most recent month.

  Next, the CPU 21 determines whether or not the acquired average number of steps is 3000 steps or less (S402). When the average number of steps is 3000 steps or less (S402: YES), the CPU 21 sets the insurance premium discount amount to 100 yen (S403). When the average number of steps exceeds 3000 (S402: NO), the CPU 21 determines whether or not the acquired average number of steps is 6000 or less (S404). When the average number of steps is 6000 or less (S404: YES), the CPU 21 sets the insurance premium discount amount to 500 yen (S405). When the average number of steps exceeds 6000 (S404: NO), the CPU 21 determines whether or not the acquired average number of steps is 9000 or less (S406). When the average number of steps is 9000 steps or less (S406: YES), the CPU 21 sets the insurance premium discount amount to 1000 yen (S407). When the average number of steps exceeds 9000 steps (S406: NO), the CPU 21 sets the insurance premium discount amount to 1500 yen (S408).

  After S403, S405, S407, or S408 ends, the CPU 21 determines whether or not the received health information includes a health point (S409). When the received health information includes health points, the CPU 21 multiplies the discount amount by a coefficient corresponding to the health points (S410). The discount amount is corrected by multiplying the discount amount by a coefficient. Here, the CPU 21 determines a coefficient corresponding to the health point so that the discount amount increases as the health degree indicated by the health point increases, and multiplies the discount coefficient by the determined coefficient. For example, the computer program 231 includes a table in which the values of health points and coefficients are associated with each other, and the CPU 21 determines the coefficients corresponding to the health points according to the table. After the process of S410 is completed or when the received health information does not include a health point (S409: NO), the CPU 21 determines whether the insurance type specified in S314 is determined in advance from the basic premium. The insurance premium is calculated by subtracting the determined discount amount (S411), and the process is terminated.

  The processing shown in S401 to S411 is an example of insurance premium calculation processing in S315, and numerical values are also examples. In step S315, the CPU 11 may calculate the insurance premium using another algorithm. Moreover, CPU21 may calculate an insurance premium according to health information other than the step count by S315. Further, in the processes shown in S401 to S411, the insurance premium is calculated using the first health information and the health points that are the second health information, but the CPU 21 performs the first health information in S315. The insurance premium may be calculated using only the second health information, or the insurance premium may be calculated using only the second health information. Moreover, CPU21 may perform the process which increases an insurance premium from a basic insurance premium, when the health state of the user 30 which health information shows is worse than a predetermined reference | standard by S315. As described above, the CPU 21 calculates the insurance premium according to the health information so that the insurance premium decreases as the health condition of the user 30 is improved. The better the health condition of the user 30, the lower the probability that the insurance money will be paid, so the insurance premium can be reduced.

  After S315 ends, the CPU 21 causes the communication unit 24 to transmit the insurance proposal content including the specified insurance type and the calculated insurance premium to the insurance business support apparatus 1 through the communication network N (S316). The process of S316 corresponds to the proposal transmission unit 213. The insurance business support apparatus 1 receives the insurance proposal content transmitted from the insurance proposal apparatus 2 by the communication unit 14 (S317). Normally, the insurance business support device 1 receives the proposal contents of the plurality of insurances transmitted from the plurality of insurance proposal devices 2 in S317. The CPU 11 causes the communication unit 14 to transmit the received insurance proposal content, the health information related to the user 30 included in the health information 132, and the doctor information 133 to the user terminal device 3 (S318). The CPU 11 transmits a plurality of insurance proposal contents. The process of S317 corresponds to the reception unit 115, and the process of S318 corresponds to the output unit 116.

  The user terminal device 3 receives the insurance proposal content, health information, and doctor information by the communication unit 36 (S319). The calculation unit 31 displays the received insurance proposal content, health information, and doctor information on the output unit 35 (S320).

  FIG. 13 is a schematic diagram illustrating an example of a screen displaying insurance proposal contents, health information, and doctor information. Basic user information related to the user 30 is displayed, and health points that are second health information are displayed. Also, various first health information is displayed, and further, time series changes of the first health information such as blood pressure and weight are displayed. In addition, the contents of insurance proposed by a plurality of insurance companies are displayed. The displayed contents include the name of the insurance company, the name of the insurance type, and the discount amount of the insurance premium. A link button described as “details” is displayed in association with the proposal contents of each insurance, and any insurance can be selected by designating this link button. Further, a list of doctors is displayed, and the name of the doctor and the name of the medical institution to which the doctor belongs are displayed. A link button described as “contact” is displayed in association with each doctor. By specifying this link button, a doctor to be contacted can be selected.

  As shown in FIG. 13, a plurality of insurance proposal contents by a plurality of insurance companies are displayed, and the user 30 can compare a plurality of insurance proposal contents with each other, and can select a more favorable insurance for himself / herself. . Also, the health information is displayed, and the user 30 can check his / her health condition. In addition, by displaying the health information together with the insurance proposal content, the user 30 can know to some extent how his / her health condition is related to the insurance content. In addition, the doctor is introduced to the user 30 by displaying the list of doctors. That is, the process of S320 corresponds to the introduction unit 118.

  In S318, the CPU 11 creates screen data necessary for displaying the screen as shown in FIG. 13, and performs processing for causing the communication unit 14 to transmit the created screen data to the user terminal device 3. For example, the CPU 11 reads the health information related to the user 30 from the health information 132, creates data for showing the health information as a table, creates data for showing the transition of the health information as a graph, and provides the insurance proposal content. And the data for showing doctor information as a table are created, and the screen data including the created data is transmitted to the communication unit 14. The user terminal device 3 receives the screen data in S319, and the calculation unit 31 causes the output unit 35 to display a screen as shown in FIG. 13 based on the screen data in S320.

  The computing unit 31 waits for a doctor's selection by accepting the operation of the user 30 using the display screen as shown in FIG. 13 by the accepting unit 34 (S321). When the selection of the doctor is accepted (S321: YES), the calculation unit 31 causes the communication unit 36 to transmit a request for contact with the selected doctor to the insurance business support device 1 (S322). The insurance business support apparatus 1 receives a communication request to the doctor via the communication unit 14 (S323). Next, the CPU 11 transmits a contact instruction to the selected doctor (S324). For example, the CPU 11 transmits an e-mail addressed to the selected doctor. In this way, the insurance business support device 1 mediates communication between the user 30 and the doctor. The user 30 can ask the doctor for advice on his / her health and insurance. After S324, the CPU 11 ends the process. The processes of S323 and S324 correspond to the mediation unit 117. In addition, CPU11 may perform the process which mediates communication between the user terminal device 3 which the user 30 uses, and the terminal device which a doctor uses.

  When there is no reception of selection of a doctor (S321: NO), the calculating part 31 waits for selection of insurance by receiving operation of the user 30 using the display screen as shown in FIG. 13 by the reception part 34 (S325). When there is no acceptance of insurance selection (S325: NO), the calculation unit 31 ends the process. When the selection of insurance is accepted (S325: YES), the calculation unit 31 sends a further insurance service processing request to the insurance proposal device 2 related to the selected insurance to the communication unit 36 via the communication network N. Transmit (S326).

  The insurance proposal device 2 receives the insurance service processing request transmitted from the user terminal device 3 through the communication unit 24 (S327). The CPU 21 starts further insurance business processing (S328). For example, the further insurance business process includes a process of transmitting more detailed contents of the proposed insurance to the user terminal device 3 and allowing the user 30 to view more detailed contents of the insurance. Further, for example, the further insurance business process may include a process of receiving an insurance application instruction transmitted from the user terminal device 3 operated by the user 30 and accepting an insurance application.

  As described in detail above, in this embodiment, the insurance business support device 1 accumulates health information related to personal health, provides health information to the insurance proposal device 2, and the insurance proposal device 2 The insurance premium is calculated accordingly, and the insurance proposal including the insurance premium is created. Since the insurance proposal content is created according to the personal health information, the insurance is proposed in accordance with the personal health status, such as the insurance fee is discounted for individuals with good health status. The insurance business support device 1 is independent of the insurance proposal device 2 used by the insurance company, and any insurance company uses the insurance proposal device 2 to create the insurance proposal content using the same health information. Can be done. Further, a plurality of insurance proposal devices 2 used by a plurality of insurance companies can create insurance proposal contents using the same health information. For the user 30, it is possible to have an arbitrary insurance company propose an insurance policy that is in accordance with their own health condition. In addition, for the user 30, a plurality of insurance proposals created in accordance with his / her health condition can be compared with each other, and more appropriate insurance such as selecting an insurance with a lower insurance premium. Can be selected. In addition, an insurance business can propose an insurance with contents that match the individual's health without managing personal health information.

<Embodiment 2>
In the second embodiment, the insurance business support system uses, as the first health information, information indicating a medical treatment result by a doctor and information indicating a result of a physical measurement performed at a predetermined facility or a result of a medical examination. . In the present embodiment, other information may not be used as the first health information. In the present embodiment, the insurance business support system may not include the measuring device 43 and the detector 44 owned by the user 30 as compared to the example illustrated in FIG. The predetermined facility is a predetermined facility such as a medical institution, a store, or a gym. A measuring device 43 is provided in a predetermined facility. The insurance business support apparatus 1 acquires, as the acquisition unit 111, a first acquisition unit that acquires information indicating a medical treatment result by a doctor, and information indicating a result of a physical measurement performed at a predetermined facility or a result of a medical examination A second acquisition unit. In addition, the insurance business support device 1 includes a storage unit 121 that stores the doctor information 133. The first acquisition unit, the second acquisition unit, and the storage unit 121 may be configured by different devices. The insurance proposal device 2 includes an insurance premium calculation unit 211 that calculates an insurance premium according to information acquired by the first acquisition unit and the second acquisition unit. The first acquisition unit, the second acquisition unit, the storage unit 121, and the insurance premium calculation unit 211 may be configured by a single device.

  The first acquisition unit acquires information indicating the medical result by receiving information indicating the medical result transmitted from the storage device 42 used in the medical institution. The physical measurement of the user 30 is performed by the measurement device 43 provided in a predetermined facility, and information indicating the result of the physical measurement is transmitted from the measurement device 43. The second acquisition unit acquires information indicating the result of physical measurement by receiving information indicating the result of physical measurement transmitted from the measuring device 43 provided in a predetermined facility. Or the 2nd acquisition part acquires the information which shows the result of a medical examination by receiving the information which shows the result of the medical examination transmitted from the storage device 41 used by a test organization.

  The insurance business support system executes processing similar to S11 to S14 and S301 to S328. The process of S11 corresponds to the first acquisition unit and the second acquisition unit. The process of S315 corresponds to the insurance premium calculation unit 211. Thereby, the information which shows the medical treatment result in the 1st acquisition part is acquired, the information which shows the result of the physical measurement performed in the predetermined facility in the 2nd acquisition part, or the result of a medical examination, and the 1st acquisition part The insurance premium calculation unit 211 calculates an insurance premium according to the information acquired by the second acquisition unit. The insurance premium calculation unit 211 calculates the insurance premium so that the insurance premium decreases as the health condition of the user 30 is better. The insurance business support system may perform a process of calculating the insurance premium without using the second health information. For example, the insurance proposal device 2 stores in advance a table in which numerical values used for medical treatment results, physical measurement results, or medical examination results are associated with discounts on insurance premiums. Calculate the insurance premium according to the table.

  Further, as a result of the processing of S301 to S328, a display screen similar to the display screen shown in FIG. 13 is displayed, so that the calculated insurance premium is presented to the user 20, and the insurance business support system is introduced to the doctor by the introduction unit 118. Is introduced to the user 30. The process of S320 corresponds to the introduction unit 118. Further, as a result of the processing of S301 to S328, the insurance business support system mediates between the user 30 and the doctor at the mediation unit 117. The processes of S323 and S324 correspond to the mediation unit 117. Also in the present embodiment, since the insurance proposal content is created according to the personal health information, the insurance with the content in accordance with the personal health condition is proposed.

DESCRIPTION OF SYMBOLS 1 Insurance work support apparatus 15 Computer program 2 Insurance proposal apparatus 3 User terminal device 41, 42 Memory | storage device 43 Measuring instrument

Claims (20)

An insurance business support system comprising an insurance business support device and an insurance proposal device for proposing insurance,
The insurance business support device is:
A storage unit for storing health information related to personal health;
A health information transmission unit that transmits the health information to the insurance proposal device;
The insurance proposal device
An insurance service support system, comprising: an insurance premium calculation unit that calculates an insurance premium for the individual insured in accordance with the received health information. The insurance business support device further includes a request reception unit that receives a request for insurance proposal with the individual as an insured person,
The health information transmission unit transmits the health information to the insurance proposal device when the request reception unit receives the request,
The insurance proposal device
A proposal creating unit for creating insurance proposal content including the premium calculated by the premium calculating unit;
A proposal transmitter for transmitting the created proposal content to the insurance business support device;
The insurance business support device is:
The insurance business support system according to claim 1, further comprising an output unit that outputs the received proposal content. Including multiple insurance proposal devices,
The health information transmission unit transmits the health information to the plurality of insurance proposal devices,
The insurance business support system according to claim 2, wherein the output unit outputs a plurality of insurance proposal contents received from the plurality of insurance proposal devices. The insurance business support system according to claim 2 or 3, wherein the output unit outputs at least a part of the health information together with the proposal content. The health information includes medical examination results, physical measurement results, medical examination results, activity information indicating the amount of activity of the individual, medication information indicating the status of the individual's medication, and answers to health questions for the individual. The insurance business support system according to any one of claims 1 to 4, further comprising at least one of a result or meal information relating to the individual meal. The insurance business support device is:
An acquisition unit for acquiring first health information related to the personal health;
A calculation unit that calculates second health information indicating the health level of the individual based on the acquired first health information;
The storage unit stores the first health information and the second health information,
The insurance operation support system according to any one of claims 1 to 5, wherein the health information includes the first health information and / or the second health information. The calculation unit according to claim 6, wherein the calculation unit calculates the second health information while weighting the first health information according to a type of the first health information. Insurance business support system. The calculation unit calculates the second health information while weighting the first health information according to an acquisition source of the first health information. Insurance business support system described in 1. The insurance business support system according to any one of claims 5 to 8, wherein the calculation unit calculates the second health information according to a time series change of the first health information. . The storage unit stores doctor information about a doctor,
The insurance business support device is:
The insurance business support system according to any one of claims 1 to 9, further comprising a mediation unit that mediates communication with a doctor in which the doctor information is stored. A first acquisition unit for acquiring information indicating a medical treatment result for an individual by a doctor;
A second acquisition unit configured to acquire information indicating a result of the physical measurement of the individual at a predetermined facility or a result of the medical examination of the individual;
An insurance business support system, comprising: an insurance fee calculation unit that calculates an insurance premium for the insurance subject to the individual according to the information acquired by the first acquisition unit and the second acquisition unit. . A storage unit for storing doctor information about the doctor;
The insurance business support system according to claim 11, further comprising: an introduction unit that introduces the doctor in which the doctor information is stored to the individual. The insurance business support system according to claim 12, further comprising an intermediary unit that mediates contact with a doctor in which the doctor information is stored. An insurance business support device for supporting insurance business,
A storage unit for storing health information related to personal health;
A request receiving unit that receives a request for an insurance proposal for the individual as an insured;
A health information transmission unit that transmits the health information to the outside when the request reception unit receives the request;
A receiving unit for receiving an insurance proposal content including an insurance premium calculated according to the health information;
An insurance business support apparatus comprising: an output unit that outputs the received proposal content. An acquisition unit for acquiring first health information related to the personal health;
A calculation unit that calculates second health information indicating the health level of the individual based on the acquired first health information;
The storage unit stores the first health information and the second health information,
The insurance business support apparatus according to claim 14, wherein the health information includes the first health information and / or the second health information. In a computer having a storage unit and a communication unit,
When receiving a request for an insurance proposal for an individual as an insured by the communication unit, a transmission step of transmitting health information related to personal health stored in the storage unit to the outside by the communication unit;
Outputting the received proposal content by the communication unit when the insurance proposal content including the insurance premium calculated according to the health information is received by the communication unit; A featured computer program. In the computer,
Obtaining first health information about the personal health by the communication unit;
A calculation step of calculating second health information indicating the health level of the individual based on the acquired first health information;
The computer program according to claim 16, wherein the transmitting step causes the computer to transmit health information including the first health information and / or the second health information. The calculation step causes the computer to calculate the second health information while weighting the first health information according to a type of the first health information. 18. The computer program according to item 17. The calculating step causes the computer to calculate the second health information while weighting the first health information according to an acquisition source of the first health information. Item 19. A computer program according to Item 17 or 18. The said calculation step makes the said computer calculate the said 2nd health information according to the time-sequential change of the said 1st health information, The one of Claim 17 thru | or 19 characterized by the above-mentioned. Computer program.

Images