JP6803791B2 - Insurance claim calculation device, insurance claim calculation method and insurance claim calculation program - Google Patents

Description

This disclosure relates to an insurance claim calculation device that calculates insurance claims according to the type of illness, an insurance claim calculation method, and an insurance claim calculation program. For example, the health status, morbidity status, hospitalization status, etc. of the insured are important. For various types of insurance such as life insurance, medical insurance, and long-term care insurance, biometric information (vital data) that may lead to illness and / or lifestyle sensing is performed to improve or appropriate health conditions. Regarding insurance claim calculation devices, etc. that reward insured persons who maintain their health condition with insurance claims.

In order for a person to maintain and manage their health, it is appropriate to improve their lifestyle (exercise, sleep, diet, etc.) and various vital data (blood pressure, blood sugar, etc.) that appear as a result of the improvement in their lifestyle. It is important to maintain a good value. In addition, if the vital data is not currently an appropriate value, it is important to improve the lifestyle and, if necessary, to improve the vital data to an appropriate value by taking medicine or the like.

For this reason, it is necessary to measure lifestyle and vital data. In recent years, due to advances in sensor technology for measuring vital data such as blood pressure and the introduction of IoT (Internet of Things) in sensor devices, lifestyle and vital data have become necessary. An environment has been established in which people who measure data can easily measure and record lifestyle and vital data and store changes over time in a cloud server or the like in a situation where the load is lighter than before.

For example, in Patent Document 1, the insurance content determined based on the state data obtained from the insured state is described in order to reduce the degree of efforts of the policyholder to reacquire the state data and the risk of the insurance target. It is disclosed that insurance premiums are set appropriately for insurance targets with low risk in the future by adjusting using the degree of efforts of the policyholders.

JP-A-2002-73990

However, in the above-mentioned prior art, only the setting of insurance premiums for insurance targets with low risk in the future is disclosed, and no consideration is given to how the insurance money should be set for each type of illness. Further improvements were needed in the handling of insurance claims for each type of illness.

This disclosure was made in order to solve the above-mentioned problems, and it is possible to appropriately set the handling of insurance claims for each type of illness, and to encourage the insured to take appropriate health management. It is an object of the present invention to provide an insurance money calculation device, an insurance money calculation method, and an insurance money calculation program that can improve motivation for fighting illness even when suffering from a disease.

The insurance money calculation device according to one aspect of the present disclosure is a device that calculates insurance money according to the type of disease, and acquires detection data including at least one of insured person's vital data and lifestyle data. It is provided with an acquisition unit and a determination unit for determining insurance money for each type of disease based on the detection data and insured person data including at least the age of the insured person.

According to the present disclosure, the handling of insurance claims can be appropriately set for each type of illness, the insured can be encouraged to manage appropriate health, and the motivation for fighting illness is improved even if the insured suffers from illness. can do.

It is a figure which shows the composition of the insurance premium. It is a figure which shows a part excerpt of a life table. It is a block diagram which shows an example of the structure of the insurance money calculation system which concerns on Embodiment 1 of this disclosure. It is a block diagram which shows an example of the structure of the vital detection device, the lifestyle detection device, and the insurance money calculation device shown in FIG. An example of the insurance money initial value table for ischemic disease, which defines the insurance premium for the blood pressure value and age and the insurance money when suffering from ischemic disease, which is stored in the insurance money initial value storage unit shown in FIG. It is a figure. It is a figure which shows an example of the insurance money initial value table for diabetes which stipulates the insurance premium for a blood glucose level and an age and the insurance money when suffering from diabetes, which is stored in the insurance money initial value storage part shown in FIG. It is a figure which shows an example of the insurance money initial value table for lung cancer which stipulates the insurance premium for smoking calendar and age, and the insurance money when suffering from lung cancer, which is stored in the insurance money initial value storage part shown in FIG. It is a figure which shows an example of the initial value of the insurance money for each type of illness at the time of taking out insurance. It is a flowchart which shows an example of the initial value determination processing which determines the initial value of the insurance money by the insurance money calculation apparatus shown in FIG. It is a figure which shows an example of the insurance money correction table for each disease based on vital data, lifestyle data and disease risk stored in the insurance money correction value storage part shown in FIG. It is a figure which shows an example of the insurance money after correction for each type of illness after taking out insurance. It is a flowchart which shows an example of the insurance money correction processing which corrects the insurance money by the insurance money calculation device shown in FIG. It is a figure which shows an example of the change of the insurance money when suffering from a predetermined disease. It is a figure which shows an example of the change and the change factor of the insurance money when suffering from a predetermined disease. It is a figure which shows an example of the insurance money list for each type of illness. It is a figure which shows an example of the transition of the insurance money paid when suffering from each disease in a list. It is a figure which shows an example of the advice information which presents how to reduce the probability of getting a predetermined disease. It is a block diagram which shows an example of the structure of the insurance money initial value calculation device which is the modification of the insurance money calculation device shown in FIG. It is a block diagram which shows an example of the structure of the insurance money correction device which is another modification of the insurance money calculation device shown in FIG. It is a block diagram which shows an example of the structure of the alternative action proposal system which concerns on Embodiment 2 of this disclosure.

(Knowledge on which this disclosure was based)
The findings on which this disclosure is based will be described below.

(Japanese medical insurance system)
First, I will explain the Japanese medical insurance system that is the background of this disclosure. As the Japanese medical insurance system is also known as the "national health insurance system," Japanese citizens have national health insurance (for self-employed people, etc.), health insurance (for company employees, etc.), mutual aid association insurance (public employees, etc.). Take out one of the public health insurances known as (for etc.), ship insurance (for sailors, etc.), and medical insurance for the elderly aged 75 and over (for people over 75 years old). As a result, more than 70% of the actual medical expenses incurred by the Japanese people are covered by public medical insurance.

If the above public medical insurance is regarded as the first floor of the entire medical insurance system, the insurance provided by a private insurance company constitutes the second floor and is expected to play a role of complementing the public medical insurance. Specifically, it is expected to play a role in compensating for hospitalization costs when hospitalized and a decrease in income due to hospitalization, or for compensating for expenses when treatment costs increase, such as surgery costs required when suffering from a specific disease such as cancer. To.

In addition, looking at the situation of this two-story building as an outline on a monetary basis from the data of the Ministry of Health, Labor and Welfare in 2013 (2013 "Overview of National Medical Expenses"), the burden of public medical insurance is 39.5 trillion yen. , Individual burden is 500 billion yen, private insurance insurance payment is about 1 trillion yen, and along with the size of the role of public medical insurance, it seems that the amount exceeding the individual burden is covered by private insurance payment. I can ask.

(Insurance system)
Next, the insurance system will be briefly explained. Insurance is broadly divided into three areas.

The first field is a field classified as life insurance, in which insurance money pre-contracted as an insurance contract regarding the survival or death of a person is paid by a life insurance company.

The second field is a field classified as non-life insurance, which is insurance that pays insurance money according to the amount of damage caused by a certain accident, for example, automobile insurance, fire insurance, etc. Classified as insurance. In addition, pet insurance, in which the cost of treatment when a pet becomes ill is paid as insurance money, is also included in this field.

The third field is a general term for insurance that does not apply to either the first field or the second field, and insurance in the medical field (medical insurance, cancer insurance, long-term care insurance, etc.) is a typical example, and suffers from illness, etc. If so, the prescribed benefits will be paid as insurance money. In this specification, the term “insurance” is used to include such benefits, and unless otherwise specified, the insurance and benefits are collectively referred to as “insurance”.

Here, the basic mechanism of insurance will be described by taking term life insurance, which provides death protection, as an example.

FIG. 1 is a diagram showing the composition of insurance premiums. As shown in FIG. 1, the insurance premium consists of an additional insurance premium and a net insurance premium. Supplementary insurance premiums, also called operating insurance premiums, are used to sell and maintain insurance such as sales-related expenses for selling insurance, back-end system costs for managing insurance, and personnel expenses for employees of insurance companies. Includes necessary costs. On the other hand, net insurance premiums are the portion of insurance premiums that is applied to insurance claims paid by insurance companies in the event of an insurance accident.

Next, the net insurance premium will be simplified and explained. As an example, in a life insurance with a period of one year, 100 insured persons, 10,000 yen equivalent to the net insurance premium among the annual insurance premiums paid by the insured, and the collected insurance premiums are managed by the insurance company. Consider the case where one of the insured dies at the end of the period, with the interest rate set at 0% for simplicity. The actual mortality rate is calculated using, for example, the life table shown in FIG. 2, which will be described later. In the process that 100,000 people were born at the age of 0, how many people died and how many people survived every year. It is calculated exactly based on the statistics showing whether it is.

In the above example, the insured pays a total of 1 million yen to the insurance company as insurance premiums, and 1 million yen is paid to one dead person. In this way, the money collected by the insurance company as a net premium (cost of premium income) is equal to the premium paid in the event of a predetermined event (in this case, death) (total amount of premium paid). Insurance products are designed to be.

In the above example, life insurance in which insurance money is generated depending on the life or death of a person has been described, but in medical insurance, for example, insurance money according to the length of hospitalization (10,000 yen per day of hospitalization is insured as a benefit). In general, a product form in which 100,000 yen or the like is paid as insurance money in the event of a specific disease such as heart disease. In this case, when calculating insurance premiums, especially net insurance premiums, as in the case of life insurance mentioned above, the hospitalization rate, which indicates how many of the insured people will be hospitalized, and the specific disease It is calculated based on the prevalence of morbidity.

(Regarding risk segmentation insurance)
With the progress of medicine so far, various vital data such as blood pressure and blood sugar level, and lifestyle such as eating habits and smoking status affect the probability of death, hospitalization rate, and probability of contracting a specific disease. Is becoming known.

FIG. 2 is a diagram showing a partial excerpt of the life table. For example, when the life table shown in FIG. 2 is created, statistical processing is performed so that both smokers and non-smokers are included in the population without distinguishing between smokers and non-smokers. It will take place, killing 126 people between the ages of 40 and 41. On the other hand, if a life table limited to smokers is created, it is known that smokers are susceptible to various diseases, so for example, the number of deaths between the ages of 40 and 41 is high. It is known to exceed 126 people. Also, if a life table limited to non-smokers is created, the number of people dying between the ages of 40 and 41 will be less than 126.

Also, regarding blood pressure, people with high blood pressure (hypertension) are more likely to be hospitalized due to ischemic disease (ischemic heart disease), etc., as opposed to those who maintain normal blood pressure. In other words, it is becoming clear that the hospitalization rate is high.

In the existing medical insurance mentioned above, the insured who has the same insurance product and has properly managed health and the insured who has neglected to manage health are paid when they suffer from the same disease. The insurance money was the same. However, if the same amount of insurance money is paid regardless of whether or not there is health care, the insured who has properly managed the health will feel that the health care that has been done so far will not be rewarded at all. In addition, even if health management is performed, there is a problem that when the patient gets sick, the effort of health management is wasted, which causes a negative factor in fighting illness.

In response to this situation, insurance generally called risk segmentation insurance has recently been put on the market. In other words, in risk segmentation insurance, it is known that vital data and lifestyle are related to mortality rate, hospitalization rate, and morbidity rate for specific diseases, and it is calculated from each lifestyle and vital data of the insured. Insurance premiums are set based on the risk.

As an example, in the case of death insurance for a certain period (insurance in which a prescribed amount of insurance is paid if the person dies during the insurance period such as 20 years), the above-mentioned life table for smokers and life table for non-smokers Due to the difference, the premiums paid by smokers were set higher than the premiums paid by non-smokers to make a difference in premiums between smokers and non-smokers and obtain the same coverage. Life insurance products are already on sale. Also, as a similar example, insurance products with different premiums have already been released for people with normal blood pressure and other vital data and those with abnormal blood pressure or other vital data. ing.

(Overseas case of risk segmentation insurance)
In addition, as an example of further advancing the above-mentioned risk segmentation insurance, a wide variety of health activities performed by the insured (maintenance of optimal weight, regular measurement of vital data such as blood pressure, vaccination, healthy eating habits, etc. Insurance companies monitor the status and progress of health supplement acquisition, exercise habits, improvement of stress status, healthy lifestyle, attendance of health education, etc. on a daily basis. In addition, insurance products that convert each health activity into points and reduce the insurance premiums for the following year according to the accumulated points have been commercialized. This insurance can be regarded as an extension of the above-mentioned concept of risk segmentation insurance to all aspects of life that lead to health. Currently, insured persons receive 5 to 15% of regular insurance premiums through daily health activities. It is possible to receive a degree of discount.

(Issues of risk segmentation insurance in Japan)
In the above-mentioned overseas cases, the case where the insurance premium is reduced by about 5 to 15% according to the vital data and lifestyle is shown. Applying this case to Japan, as mentioned above, in the Japanese medical insurance system, the burden of medical expenses due to public medical insurance is extremely large, and private medical insurance is public medical insurance in terms of amount. The insurance premiums actually paid by the insured for private medical insurance are generally about several thousand yen per month.

In other words, in private medical insurance, even if the insurance company subdivides the risk of the insured and reduces the insurance premium according to each insurer, the reduction rate of the insurance premium overseas is at most several hundred yen. The amount of money is only reduced. From the insured's point of view, daily health efforts such as eating an appropriate amount of food daily to maintain blood pressure and blood sugar level, walking 10,000 steps daily, and receiving education to improve health knowledge. Even if this is done, it means that the financial benefit obtained by doing so will be several hundred yen per month, and it is expected that many insured people will feel that it is not worth their health efforts.

(Advancement of technology related to acquisition of biological information and lifestyle)
On the other hand, in recent years, with the progress of technology, it has become easy for the insured to measure and record his / her vital data frequently or continuously, and to measure and record his / her lifestyle.

For example, in the case of a conventional sphygmomanometer, when measuring blood pressure, the insured takes out the sphygmomanometer, wraps a tightening device called a cuff around the upper arm or wrist, and applies a predetermined pressure to the cuff. I needed to measure my blood pressure. That is, in the conventional blood pressure measurement, it is difficult to measure the blood pressure frequently in consideration of the time and effort required for the insured person.

On the other hand, in recent years, a technique for measuring blood pressure without tightening with a cuff has been put into practical use (see, for example, http://maisense.com/en/). In this case, blood pressure can be measured more frequently or continuously without tightening with a cuff. In this way, it is becoming possible to measure blood pressure frequently and continuously and constantly measure blood pressure by using a wearable sphygmomanometer attached to the upper arm or wrist.

In another example, the method of measuring blood glucose level is also changing due to technological innovation. Conventionally, in order to measure a blood glucose level, a person to be measured has had to pierce his / her fingertip or the like with an invasive needle to collect blood. For this reason, even if the importance of blood glucose control is recognized in order not to suffer from diseases such as diabetes, it is still difficult for ordinary people to easily measure and manage blood glucose levels in their daily lives. Not in.

However, with the recent technological progress, technological development has been promoted in which a specific light is applied to a blood vessel through the skin by sandwiching a clip between ear lobes without collecting blood, and the blood glucose level is measured from the reflected light or transmitted light. ing. As described above, it is becoming possible to measure the blood glucose level frequently or continuously by a method without collecting blood such as sandwiching an earlobe.

In another example, it has become practical to measure lifestyle habits and home environment using home appliances in the home. For example, the number of times the refrigerator is opened and closed can be detected, and the status of food in the refrigerator (what is in it, when it was used, etc.) can be grasped by image analysis of the image of the camera installed in the refrigerator. By doing so, it has become possible to estimate the eating habits at home, for example, whether a person cooks a lot, eats out a lot, consumes a lot of meat, or consumes an appropriate amount of vegetables. Furthermore, it has become possible to measure the state of eating habits, which is important for health management, by analyzing the dishes placed in the microwave oven and the microwave oven.

In addition, the temperature sensor attached to the air conditioner can detect extreme temperature changes in the house that lead to cerebral hemorrhage, and the motion sensor attached to the air conditioner can detect the movement and amount of exercise of a person.

As described above, high-frequency measurement and constant measurement of vital data, which could not be measured only in hospitals, that is, measurement in the house or difficult in the house, and measurement of these Accumulation of results and acquisition and accumulation of lifestyle habits have become easier.

Based on the above findings, the inventors of the present application have conducted a diligent study on how to set the treatment of insurance claims for each type of illness using vital data and / or lifestyle data, and as a result, a plurality of vital data and / or lifestyle data / Or based on multiple lifestyle data, the amount of insurance money paid to the insured for each type of illness is set as the initial value, and the insured is further maintained and improved by vital data and lifestyle data. This disclosure has been completed by devising a way to correct the insurance money paid to each type of illness.

According to this structure, when the insured manages his / her health, it is easy to understand how to improve the insured's vital data and lifestyle to reduce the possibility of getting a disease. There is a merit that it can be understood by the index. With these merits, the insured strives to maintain and improve his / her health, and if he / she is fortunate enough not to suffer from any illness and can maintain his / her health, he / she can maintain his / her health irreplaceable. Be done. On the other hand, in the event of unfortunate illness, the amount of insurance paid to the insured who has properly managed their health will be increased.

As a result, it seems that the health care efforts so far have been rewarded, and by using the increased insurance money, various support for fighting illness, for example, changing the hospital room at the time of hospitalization to a more comfortable private room. It will be possible to continue fighting illness with the same motivation as having performed health management, such as being able to purchase health foods that support fighting illness.

The insurance money calculation device according to one aspect of the present disclosure based on the above findings is a device for calculating insurance money according to the type of illness, and at least one of the insured's vital data and lifestyle data is used. It includes an acquisition unit for acquiring the detection data including the detection data, and a determination unit for determining the insurance money for each type of the disease based on the detection data and the insured person data including at least the age of the insured person.

With such a configuration, detection data including at least one of the insured person's vital data and lifestyle data is acquired, and based on the acquired detection data and the insured person data including at least the insured person's age. Since the insurance money is determined for each type of illness, the treatment of insurance money can be appropriately set for each type of illness according to the insured's vital data and / or lifestyle, and the insurance is insured. It is possible to encourage people to manage their health properly and to improve their motivation for fighting illness even if they suffer from a disease.

The acquisition unit acquires initial detection data including at least one of the insured's pre-insurance vital data and lifestyle data, and the determination unit acquires the initial detection data and the insured data. Based on the above, an initial value determination unit for determining the initial value of the insurance money may be included for each type of the disease.

With such a configuration, initial detection data including at least one of the insured's pre-insurance vital data and lifestyle data is acquired, and based on the acquired initial detection data and insured data, the disease Since the initial value of insurance money is determined for each type, the initial value of insurance money should be appropriately determined for each type of illness according to the insured's pre-insurance vital data and / or lifestyle. It is possible to encourage the insured before the insurance contract to take appropriate health care.

The insurance claim calculation device classifies the initial detection data into a plurality of categories for each type of disease that has a correlation with the initial detection data, and provides insurance claims for each category and the age of the insured person. An insurance claim initial value storage unit for storing a plurality of insurance claim initial value tables in which initial values are set is further provided, and the determination unit uses the plurality of insurance claim initial value tables to insure each type of the disease. The initial value of gold may be determined.

With such a configuration, the initial detection data is classified into a plurality of categories for each type of disease that has a correlation with the initial detection data, and the initial value of the insurance money is set for each category and the age of the insured. Since the initial value of insurance money is determined for each type of illness using a plurality of initial value tables of insurance money, each type of illness is determined according to the classification of initial detection data and the age of the insured. The initial value of insurance money can be determined accurately and finely, and appropriate health management can be promoted by the insured before the insurance contract.

The acquisition unit acquires post-contract detection data including at least one of the insured's post-insurance vital data and lifestyle data, and the determination unit acquires the initial detection data and the post-contract detection data. And, based on the insured person data, a correction unit that corrects the initial value of the insurance money for each type of the disease may be included.

With such a configuration, post-contract detection data including at least one of the insured's post-insurance vital data and lifestyle data is acquired, and initial detection data, post-contract detection data, and insured data are obtained. Since the initial value of the insurance money is corrected for each type of illness based on the above, the insurance money for each type of illness is adjusted according to the vital data and / or the change of lifestyle after the insured's insurance contract. The initial value can be appropriately corrected, the insured after the insurance contract can be encouraged to carry out appropriate health management, and even if the insured suffers from a disease, the motivation for fighting illness can be improved.

The insurance money calculation device further includes a correction insurance money storage unit that stores an insurance money correction table in which correction insurance money is set for changes in the detection data after the contract and the type of the disease. The insurance money correction table may be used to correct the initial value of the insurance money for each type of the disease.

With such a configuration, the initial value of the insurance money is corrected for each type of disease by using the insurance money correction table in which the correction insurance money is set for the change of the detection data after the contract and the type of the disease. In addition to being able to accurately and finely correct the initial value of insurance claims for each type of illness according to changes in post-contract detection data, it is possible to promote appropriate health management for the insured after the insurance contract. , Even if you suffer from a disease, you can further improve your motivation for fighting illness.

The acquisition unit acquires the vital data from the vital detection device that detects the vital data of the insured person, and the insurance money calculation device stores the vital data acquired by the acquisition unit. The correction unit may correct the initial value of the insurance money for each type of illness based on the change of the vital data accumulated in the vital storage unit.

With such a configuration, vital data is acquired from a vital detector that detects the vital data of the insured, the acquired vital data is accumulated, and based on the change in the accumulated vital data, the insurance money is paid for each type of disease. Since the initial value of is corrected, the initial value of insurance money can be corrected more accurately for each type of illness according to the continuous change of the accumulated vital data after the contract.

The acquisition unit acquires the lifestyle-related data from the lifestyle-related detection device that detects the lifestyle-related data of the insured person, and the insurance money calculation device accumulates the lifestyle-related data acquired by the acquisition unit. The lifestyle-related storage unit is further provided, and the correction unit corrects the initial value of the insurance money for each type of disease based on the change in the lifestyle-related data accumulated in the lifestyle-related storage unit. May be good.

With such a configuration, lifestyle-related data is acquired from a lifestyle-related detector that detects the lifestyle-related data of the insured, the acquired lifestyle-related data is accumulated, and based on the changes in the accumulated lifestyle-related data, diseases Since the initial value of the insurance money is corrected for each type, the initial value of the insurance money for each type of illness according to the continuous change of the accumulated lifestyle-related data after the contract, that is, the continuous change of the lifestyle-related disease. Can be corrected more accurately.

The acquisition unit acquires the vital data from the vital detection device that detects the vital data of the insured person, and obtains the lifestyle data from the lifestyle detection device that detects the lifestyle data of the insured person. The insurance money calculation device that has been acquired continuously stores the vital data and the lifestyle data acquired by the acquisition unit, and suffers from the transition of the vital data and the lifestyle data and a predetermined disease. The disease database unit for accumulating knowledge information regarding the probability is further provided, the correction insurance money storage unit corrects the insurance money correction table with reference to the disease database unit, and the correction unit corrects the correction. The insurance claim correction table may be used to correct the initial value of the insurance claim for each type of the disease.

With such a configuration, the vital data is acquired from the vital detection device that detects the vital data of the insured person, and the lifestyle data is acquired from the lifestyle detection device that detects the lifestyle data of the insured person. Insurance by referring to the Disease Database Department, which continuously stores vital data and lifestyle data, and accumulates knowledge information on the transition of stored vital data and lifestyle data and the probability of contracting a predetermined disease. Since the gold correction table is corrected and the corrected insurance money correction table is used to correct the initial value of the insurance money for each type of illness, the continuously accumulated vital data and changes in lifestyle and predetermined The insurance claim correction table can be accurately corrected using the knowledge information regarding the probability of contracting the disease, and the initial value of the insurance claim for each type of illness can be accurately corrected using this accurately corrected insurance claim correction table. Can be corrected more accurately.

The insurance money calculation device includes an advice creation unit that creates advice information for reducing the risk of contracting a predetermined disease based on the post-contract detection data and the insured person data, and the advice information. , The notification unit for notifying the insured person's terminal of the information regarding the insurance money corrected by the correction unit may be further provided.

With such a configuration, advice information for reducing the risk of contracting a predetermined disease is created based on the post-contract detection data and the insured person data, and the created advice information and the corrected insurance money Since the information about the insured person is notified to the insured person's terminal, it becomes possible to easily understand what the insured person can do to further reduce the risk of contracting various diseases, and the insured person can be renewed. Can support your health efforts.

The advice creation unit collects the behavior information of the insured person, and based on the behavior information, creates an alternative behavior for improving the health of the insured person as the advice information, and the notification unit prepares the alternative behavior. The action may be notified to the insured person's terminal.

With such a configuration, the insured's behavior information is collected, and based on the collected behavior information, alternative actions that improve the insured's health are created as advice information, and the created alternative actions are created by the insured. By notifying the terminal, it becomes possible for the insured to understand concretely what can be done to further reduce the risk of contracting various diseases, further supporting the insured's further health efforts. be able to.

Further, the present disclosure can be realized not only as an insurance money calculation device having the above-mentioned characteristic configuration, but also an insurance that executes characteristic processing corresponding to the characteristic configuration of the insurance money calculation device. It can also be realized as a money calculation method. Further, it can be realized as a computer program that causes a computer to execute a characteristic process included in such an insurance claim calculation method. Therefore, the same effect as that of the above-mentioned insurance money calculation device can be obtained in the following other aspects as well.

The insurance claim calculation method according to another aspect of the present disclosure is a method of calculating insurance claims according to the type of illness, and acquires detection data including at least one of the insured's vital data and lifestyle data. Then, based on the detection data and the insured person data including at least the age of the insured person, the insurance money is determined for each type of the disease.

The insurance claim calculation program according to another aspect of the present disclosure is a program for operating a computer as a device for calculating insurance claims according to the type of illness, and the computer is used to provide vital data of the insured and the insured person's vital data. The detection data including at least one of the lifestyle data is acquired, and the insurance money is determined for each type of the disease based on the detection data and the insured person data including at least the age of the insured person. Let the process be executed.

Needless to say, such a computer program can be distributed via a computer-readable non-temporary recording medium such as a CD-ROM or a communication network such as the Internet.

The embodiments described below are all specific examples of the present disclosure. The numerical values, shapes, components, steps, order of steps, etc. shown in the following embodiments are examples, and are not intended to limit the present disclosure. Further, among the components in the following embodiments, the components not described in the independent claims indicating the highest level concept are described as arbitrary components. In addition, each content can be combined in all the embodiments.

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings.

(Embodiment 1)
FIG. 3 is a block diagram showing an example of the configuration of the insurance money calculation system according to the embodiment of the present disclosure. The insurance money calculation system shown in FIG. 3 includes a vital detection device 10, a lifestyle detection device 20, a mobile terminal 30, and an insurance money calculation device 40.

The vital detection device 10, the lifestyle detection device 20, the mobile terminal 30, and the insurance money calculation device 40 are communicably connected to each other via a predetermined wired or wireless network NT such as the Internet or a dedicated line.

For ease of illustration, FIG. 3 shows one vital detection device 10, one lifestyle-related detection device 20, and one mobile terminal 30, but the present invention is particularly limited to this example. Instead, one insured person (including a person who can be an insured person) may use a plurality of vital detection devices, lifestyle-related detection devices and mobile terminals, and a plurality of insured persons may use this insurance money. When using the calculation system, one or a plurality of vital detection devices, lifestyle-related detection devices and mobile terminals may be used for each insured person.

The vital detection device 10 is composed of, for example, a wearable device such as a smart watch capable of acquiring vital data (biological information). The vital detection device 10 detects vital data represented by the blood pressure value and blood glucose level of the insured person (insurance member), and transmits the detected vital data to the insurance money calculation device 40 via the network NT. The vital detection device 10 is not particularly limited to the above example, and various vital detection devices that detect various vital data can be used.

The lifestyle-related detection device 20 is composed of, for example, a refrigerator, an oven range, a microwave oven, an air conditioner, an air purifier, etc., which have a function of detecting lifestyle-related data in addition to a normal home appliance function. The lifestyle-related detection device 20 detects lifestyle-related data of the insured such as smoking, and transmits the detected lifestyle-related data to the insurance money calculation device 40 via the network NT. The lifestyle-related detection device 20 is not particularly limited to the above example, and various lifestyle-related detection devices that detect various lifestyle-related data can be used.

The insurance money calculation device 40 is composed of, for example, a cloud server including a processor, a memory, an external storage device, and the like. The insurance money calculation device 40 receives the insured person's vital data from the vital detection device 10 and the insured person's lifestyle data from the lifestyle detection device 20 as detection data, and the received detection data and the insured person described later. Based on the insurer data, the insurance money (initial value of insurance money and / or benefit, and adjusted insurance money and / or benefit) is determined for each type of disease.

Here, as the type of illness, for example, the classification of the illness described in the receipt such as the medical treatment fee statement, the dispensing fee statement, and the home-visit nursing care expense statement can be used. The type of disease is not particularly limited to this example, and for example, insurance claims are determined for each major category such as adult diseases, malignant tumors, visceral diseases, and trauma, or for each medically subdivided disease. Various changes such as determining the insurance money are possible.

In addition, the insurance claim calculation device 40 creates advice information for reducing the risk of contracting a predetermined disease based on the insured person's post-contract detection data after the insurance contract and the insured person data. The created advice information and the information on the determined insurance money are transmitted to the mobile terminal 30 via the network NT.

The mobile terminal 30 is composed of, for example, a smartphone or the like, displays advice information and information related to insurance money transmitted from the insurance money calculation device 40, and notifies the insured person. The mobile terminal 30 is not particularly limited to the above example, and other terminals such as tablets, stationary or portable personal computers may be used.

FIG. 4 is a block diagram showing an example of the configuration of the vital detection device 10, the lifestyle-related detection device 20, and the insurance money calculation device 40 shown in FIG. Note that in FIG. 4, the network NT is not shown for ease of drawing.

The vital detection device 10 includes a vital detection unit 11, a vital storage unit 12, and a transmission unit 13. The lifestyle-related detection device 20 includes a lifestyle-related detection unit 21, a lifestyle-related storage unit 22, and a transmission unit 23. The insurance money calculation device 40 includes a receiving unit 41, a vital storage unit 42, a lifestyle storage unit 43, a personal information DB (database) 44, an initial insurance money calculation unit 45, an insurance money initial value storage unit 46, and a first disease DB ( A database) 47, an insurance money storage unit 48, an advice creation unit 49, a notification unit 50, an insurance money correction unit 51, an insurance money correction value storage unit 52, and a second disease DB (database) 53 are provided.

First, in the insurance money calculation system of the present embodiment, how the initial value of the insurance money is determined will be described with reference to FIG.

The vital detection unit 11 of the vital detection device 10 measures and detects vital data of the insured such as blood pressure. The vital storage unit 12 temporarily stores the vital data detected by the vital detection unit 11. The transmission unit 13 transmits the vital data stored in the vital storage unit 12 as the initial detection data to the insurance money calculation device 40.

In the present embodiment, the vital data is detected by using the vital detection device 10 and transmitted to the insurance money calculation device 40, but the present invention is not particularly limited to this example, and various changes can be made. For example, the insurance solicitor may manually input the vital data of the insured person measured in the health examination into the insurance claim calculation device 40, or a paper on which the vital data measured in the health examination is printed. It may be read as a character string by a health examination reading device (not shown in the figure), and the read character string may be input to the insurance claim calculation device 40.

The lifestyle-related detection unit 21 of the lifestyle-related detection device 20 acquires and detects lifestyle-related data of the insured such as a smoking state. The lifestyle-related memory unit 22 temporarily accumulates lifestyle-related data detected by the lifestyle-related detection unit 21. The transmission unit 23 transmits the lifestyle data stored in the lifestyle storage unit 22 to the insurance money calculation device 40 as the initial detection data.

In the present embodiment, the lifestyle-related data is detected by using the lifestyle-related detection device 20 and transmitted to the insurance money calculation device 40, but the present invention is not particularly limited to this example, and various changes can be made. is there. For example, the insurance solicitor may hear from a potential insured person and input it to the insurance money calculation device 40, or the lifestyle data accumulated by the potential insured person before taking out insurance may be input. It may be input to the insurance money calculation device 40. In addition, for example, when the data stored in a home appliance such as a refrigerator owned by a person who can be an insured person is stored in a cloud server or the like owned by a seller or a developer of the home appliance such as a refrigerator. The lifestyle data held by the sales business operator or the development business operator may be input to the insurance money calculation device 40.

That is, regarding the acquisition of vital data and lifestyle data required for the insurance money calculation device 40 to calculate the initial value of insurance money, any method may be used as long as the vital data and lifestyle data are highly reliable. Further, in the present embodiment, both vital data and lifestyle data are used as the initial detection data, but only one of the vital data and lifestyle data may be used.

The insurance money calculation device 40 receives the vital data acquired by the vital detection device 10 and the lifestyle data acquired by the lifestyle-related detection device 20 at the receiving unit 41 in order to calculate the initial value of the insurance money. , Vital data is stored in the vital storage unit 42, and lifestyle data is stored in the lifestyle storage unit 43. The personal information DB 44 stores personal information (insured person data) including the age and gender of a person who can be an insured person in advance.

The initial insurance claim calculation unit 45 uses the vital data and lifestyle data obtained from the vital accumulation unit 42 and the lifestyle accumulation unit 43 as the first input, and the age of the person who can be the insured person stored in the personal information DB 44. When the insured person's data such as sex and gender is used as the second input, and the insurance money initial value storage unit 46 in which the insurance money initial value table for each type of disease is stored is referred to, and the patient is hospitalized due to each disease. Calculate the initial value of the insurance money paid to. The initial insurance money calculation unit 45 stores the calculated initial value of the insurance money in the insurance money storage unit 48 and outputs it to the advice creation unit 49 and the notification unit 50.

The method of acquiring the insured person data is not particularly limited to the above example, and various changes such as acquisition from another server or the like that stores the insured person data are possible. Further, the information included in the insured person data is not particularly limited to the above example, and may be at least information including the age of the insured person, and may include other information such as height, weight, and family structure. May be good.

Next, an example of the insurance claim initial value table for each type of disease stored in the insurance claim initial value storage unit 46 will be described. FIG. 5 shows the initial value of the insurance money for ischemic disease, which is stored in the insurance money initial value storage unit 46 shown in FIG. 4, and defines the insurance premium for the blood pressure value and age and the insurance money when suffering from ischemic disease. It is a figure which shows an example of a table.

The initial insurance money table for ischemic disease shown in FIG. 5 is based on the insured's blood pressure value and age, and is hospitalized when the insured becomes an ischemic disease having a strong correlation with the high and low blood pressure value and the morbidity probability. This is an initial insurance claim table showing the insurance claims (benefits) paid as a daily amount. In this insurance claim initial value table, blood pressure values are classified into optimal, normal, normal high, I-degree hypertension, II-degree hypertension, and III-degree hypertension categories, and insurance premiums and insurance claims are applied to each category and age. It has been set. For example, a 41-year-old person with high blood pressure I has a monthly premium of 1100 yen, and if the same person suffers from an ischemic disease and is hospitalized, a daily benefit of 8000 yen is used as a benefit (initial value of insurance money). Indicates that you will be paid.

FIG. 6 is an example of a diabetic insurance claim initial value table that defines the insurance premium for the blood glucose level and age and the insurance claim when suffering from diabetes, which is stored in the insurance claim initial value storage unit 46 shown in FIG. It is a figure which shows.

The initial insurance claim table for diabetes shown in FIG. 6 is another example of the initial insurance claim table, and has a strong correlation between high and low blood glucose levels and the probability of morbidity based on the blood glucose level and age of the insured. This is an initial insurance value table showing the insurance money (benefit) paid as the daily amount of hospitalization when the patient is hospitalized. In this insurance money initial value table, the blood glucose level is classified into categories such as normal, normal high value, and boundary area, and insurance premiums and insurance claims are set for each category and age. For example, a person who is 42 years old and has a borderline blood sugar level pays a monthly premium of 1200 yen, and if the same person suffers from diabetes and is hospitalized, a daily benefit of 8000 yen (initial value of the insurance money). ) Indicates that the payment will be made.

FIG. 7 shows an example of an insurance money initial value table for lung cancer that defines the insurance premium for the smoking calendar and age stored in the insurance money initial value storage unit 46 shown in FIG. 4 and the insurance money when suffering from lung cancer. It is a figure.

The initial insurance money table for lung cancer shown in FIG. 7 is yet another example of the initial insurance money table, and is used for lung cancer having a strong correlation between the smoking history and the morbidity probability based on the insured's smoking history and age. It is a table showing the insurance money (benefit) paid as the daily amount of hospitalization when the patient is hospitalized. In this insurance claim initial value table, smoking status is classified into categories of no smoking history, smoking, smoking cessation for 1 year or more, smoking cessation for 3 years or more, and smoking cessation for 5 years or more, and premiums and insurance for each category and age. Gold is set. For example, the insurance premium paid by an insured person who is smoking at the age of 42 is 1200 yen per month, and if the same person suffers from lung cancer and is hospitalized, 5000 yen per day will be paid as a benefit (initial value of insurance money). It means that it will be done.

What is important here is that when an insured person purchases an insurance product, the insurance money (benefit) is based on the vital data and lifestyle data at the time of purchase for each type of illness that is highly correlated with the vital data and lifestyle. The amount of money (initial value) is set.

FIG. 8 is a diagram showing an example of the initial value of the insurance money for each type of illness at the time of taking out insurance. For example, assuming that the insured person is 40 years old, the blood pressure is II degree hypertension, the blood glucose level is in the boundary region, and the quitting period is one year or more, the initial stage of each insurance claim shown in FIGS. From the value table, as shown in Fig. 8, the daily amount is 6000 yen when hospitalized for ischemic disease, 8000 yen daily when hospitalized for diabetes, and 6000 yen daily when hospitalized for lung cancer. Yen is the initial value of insurance money for each type of illness at the time of insurance coverage.

In this way, regardless of the type of illness, a flat amount is not paid when hospitalization occurs, but it correlates with each vital data and each lifestyle data at the time of insurance coverage (before the insured's insurance contract). Since different insurance claims are set for strong illnesses, from the standpoint of the insured, which illness should be focused on when taking out insurance is the insurance claim for each type of illness shown in Fig. 8. It is clarified by the numerical value represented by the initial value of, and in the case of the insured mentioned above, it is shown that improvement of blood pressure and continuation of quitting are more important than control of blood glucose level.

In addition, up to this point, it has been explained that the insurance money is calculated based on the insurance money initial value table for each type of disease in the insurance money initial value storage unit 46, but in the actual insurance money calculation, a plurality of vitals are used. The initial value of insurance money for each type of illness may be obtained based on the data or a plurality of lifestyle data. For example, when calculating the initial value of insurance money when hospitalized due to an ischemic disease, if it is known that not only the blood pressure value but also the blood glucose level is correlated, it is the blood pressure value. The initial value table for ischemic disease insurance, which calculates the insurance money for hospitalization due to ischemic disease from both the blood glucose level, may be used, or a calculation formula may be used instead of the table format. ..

In addition, the insurance money initial value storage unit 46 is connected to the first disease DB 47, and the first disease DB 47 stores in advance various vital data and a plurality of knowledge information showing the relationship between lifestyle and various diseases. Will be added in a timely manner. The insurance money initial value storage unit 46 corrects and updates the insurance money initial value table based on the knowledge information accumulated in the first disease DB 47.

For example, when there is knowledge information that an insured person with a long commuting time, which is one of the lifestyles, takes more steps every day than an insured person with a short commuting time, and as a result, is healthy. May add the knowledge information to the first disease DB 47 and accumulate it. In this case, the insurance money initial value storage unit 46 refers to the knowledge information accumulated in the first disease DB 47 and shows the insurance money for each disease with respect to the commuting time as the insurance money initial value table for each type of disease. Add and memorize the insurance claim initial value table and calculation formula.

In this way, knowledge information based on the latest medical knowledge is accumulated in the first disease DB 47, and the initial insurance money calculation unit 45 stores the insurance money initial value table for each type of disease based on this knowledge information. The initial value of the insurance premium is set by using the insurance money initial value storage unit 46. Therefore, the relationship between vital data and lifestyle and specific diseases becomes clearer, and the insured can improve what kind of vital data and lifestyle through the setting of initial premiums based on the latest medicine. It becomes possible to know if is necessary.

The notification unit 50 transmits information such as an initial value of the insurance money calculated by the initial insurance money calculation unit 45 to the mobile terminal 30 used by the insured person. The mobile terminal 30 presents information such as an initial value of the insurance money transmitted from the insurance money calculation device 40 to the insured person.

The advice creation unit 49 acquires the initial detection data before the insurance contract, the insured person data, and the initial value of the insurance money from the initial insurance money calculation unit 45, in order to reduce the risk of contracting a predetermined disease. The advice information of is created and output to the notification unit 50. The notification unit 50 transmits the advice information and the like created by the advice creation unit 49 to the mobile terminal 30 used by the insured person. The mobile terminal 30 presents the advice information and the like transmitted from the insurance money calculation device 40 to the insured person.

Next, the initial value determination process for determining the initial value of the insurance money of the insurance money calculation device 40 configured as described above will be described. FIG. 9 is a flowchart showing an example of an initial value determination process for determining an initial value of insurance money by the insurance money calculation device 40 shown in FIG.

First, the insurance money calculation device 40 performs a process of acquiring vital data of the insured person (step S11). Specifically, the receiving unit 41 receives and acquires the vital data detected by the vital detection device 10, accumulates the vital data in the vital storage unit 42, and the initial insurance money calculation unit 45 is the vital storage unit 42. Get vital data from. The vital data acquired here may be detected by the vital detection device 10 represented by a blood pressure monitor or the like as described above, or the health examination result may be acquired electronically or on paper. As long as the reliability of the vital data to be obtained is high, the acquisition method does not matter.

Next, the insurance money calculation device 40 performs a process of acquiring lifestyle-related data of the insured person (step S12). Specifically, the receiving unit 41 receives and acquires the lifestyle-related data detected by the lifestyle-related detection device 20, stores the lifestyle-related data in the lifestyle-related storage unit 43, and the initial insurance money calculation unit 45 receives the lifestyle-related data. Lifestyle-related data is acquired from the lifestyle-related storage unit 43. The lifestyle-related data acquired here may also be performed by the lifestyle-related detection device 20 as described above, may be based on a questionnaire from the insured, or when it is difficult to acquire the lifestyle-related data. In the above, the lifestyle-related acquisition process may be skipped.

Next, the insurance money calculation device 40 acquires at least the age of the insured person (step S13). Specifically, the initial insurance claim calculation unit 45 acquires insured person data including the insured person's age from the personal information DB 44.

Next, the initial insurance claim calculation unit 45 refers to the insurance claim initial value table for each type of disease stored in the insurance claim initial value storage unit 46, and has acquired vital data, lifestyle data, and age. Based on the above, the initial value of the insurance money for each type of illness is determined (step S14).

Finally, the notification unit 50 transmits the initial value of the insurance money for each type of illness determined by the initial insurance money calculation unit 45 to the mobile terminal 30, and the initial insurance money calculation unit 45 provides insurance for each type of illness. The initial value of gold is set in the insurance money storage unit 48 (step S15).

Next, how the initial value of the above insurance money is corrected by the transition of the insured's vital data and the improvement of lifestyle habits will be described.

After the initial value of the above insurance money is set and the insured has taken out insurance, the vital data such as blood pressure detected by the vital detection unit 11 is used as the post-contract detection data in the vital storage unit in the same manner as above. It is accumulated in 12 and transmitted to the insurance money calculation device 40 through the transmission unit 13.

In addition, lifestyle-related data such as smoking status and number of steps detected by the lifestyle-related detection unit 21 after the above-mentioned initial value of insurance money is set and the insured has taken out insurance can be used as post-contract detection data. It is stored in the lifestyle-related storage unit 22 and transmitted to the insurance money calculation device 40 through the transmission unit 23. In the present embodiment, both vital data and lifestyle data are used as post-contract detection data, but only one of the vital data and lifestyle data may be used.

The vital data detected by the vital detection device 10 is received by the receiving unit 41 and stored in the vital storage unit 42. Further, the lifestyle-related data detected by the lifestyle-related detection device 20 is received by the receiving unit 41 and accumulated in the lifestyle-related storage unit 43.

The insurance money storage unit 48 stores the initial value of the insurance money calculated by the initial insurance money calculation unit 45. In order to correct the initial value of the insurance money, the insurance money correction unit 51 uses the vital data and the lifestyle data obtained from the vital storage unit 42 and the lifestyle storage unit 43 as the first input, and inputs the vital data and the lifestyle data to the insurance money storage unit 48. The initial value of the stored insurance money is used as the second input, and if necessary, the insured data such as the age and gender of the insured stored in the personal information DB 44 is used as the third input and corrected. With reference to the insurance claim correction value storage unit 52 in which the insurance claim table is stored, the initial value of the insurance claim paid when hospitalized due to each disease is corrected. The insurance money correction unit 51 stores the corrected insurance money as the corrected insurance money in the insurance money storage unit 48, and outputs the corrected insurance money to the advice creation unit 49 and the notification unit 50.

The corrected insurance money is notified to the insured person's mobile terminal 30 by the notification unit 50, and is recorded and updated in the insurance money storage unit 48 each time the insurance money is corrected.

Here, the first input vital data and lifestyle data are post-contract detection data measured after the insured has taken out insurance (after the insurance contract). For example, blood pressure and blood sugar levels measured at home or on the way to work, smoking status that can be detected by an air purifier, dietary data measured from a refrigerator or microwave, etc., which are related to the health of the insured. Vital data and lifestyle data are the targets of the first input.

Next, the insurance claim correction table for each type of illness stored in the insurance claim correction value storage unit 52 will be described. FIG. 10 is a diagram showing an example of an insurance claim correction table for each disease based on vital data, lifestyle data, and disease risk stored in the insurance claim correction value storage unit 52 shown in FIG.

In the insurance claim correction table shown in FIG. 10, compensation claims are set for changes in post-contract detection data and types of diseases. In the example shown in the upper part of FIG. 10, for example, when the blood pressure of the insured person improves from hypertension II to normal blood pressure, the compensation insurance amount Δ for each disease (ischemic disease, diabetes, lung cancer) is shown. There is. For example, if the insured who contracted with the initial value of the insurance money shown in FIG. 8 achieved the above-mentioned improvement in blood pressure, the insurance money when he was hospitalized due to an ischemic disease was initially 6000 yen. On the other hand, since the value of the supplementary insurance money Δ is plus 300 yen, when this insured suffers from an ischemic disease and is hospitalized, the insurance money (benefit) of 300 yen is based on the improvement of blood pressure. Will be added extra, and a daily amount of 6300 yen will be paid as insurance money.

In FIG. 10, the insurance money is corrected only when the blood pressure value becomes normal, but for an insured person who measures the blood pressure more than a predetermined number of times (for example, once a day). The insurance money may be increased or decreased regardless of the blood pressure value. From a medical point of view, if the blood pressure level is not normal as shown in FIG. 10, the risk of ischemic disease is not reduced, and therefore the insurance money is not increased or decreased. However, the idea of insurance is that if 100 people measure their blood pressure every day and 30 people take actions to lower their blood pressure, such as paying attention to diet and exercise, the risk of 30 people will be reduced. The insurance money paid by the company will be reduced. That is, the insurance money can be increased or decreased for 100 people who measure their blood pressure every day.

Similarly, as shown in the middle part of FIG. 10, even when the blood glucose level becomes normal from the boundary region, the insurance money for each disease (ischemic disease, diabetes, lung cancer) is corrected. In this example, the improvement of the blood glucose level affects not only diabetes but also the probability of being hospitalized due to ischemic disease, and the insurance money for ischemic disease is also corrected. This example assumes that the blood glucose level is not only correlated with the prevalence of diabetes but also slightly correlated with the prevalence of ischemic disease. Therefore, for the improvement of blood glucose level, the corrected insurance money Δ when suffering from diabetes is plus 400 yen, the corrected insurance money Δ when suffering from ischemic disease is plus 100 yen, and so on, specific vital data and various diseases. The value of the supplementary insurance money Δ is set according to the magnitude of the correlation with.

In addition, as shown in the lower part of FIG. 10, when smoking cessation is continued for 2 years or more, the compensation insurance amount Δ when suffering from ischemic disease is plus 100 yen, and the compensation insurance money Δ when suffering from diabetes is plus 100 yen. Yen, the supplementary insurance money Δ when suffering from lung cancer is plus 1000 yen. By accumulating these vital data and lifestyle-related improvements and adjusting the insurance money for each disease, the corrected insurance money is presented to the insured.

FIG. 11 is a diagram showing an example of the corrected insurance money for each type of illness after taking out insurance. As shown in FIG. 11, due to the above correction, for example, a daily fee of 6500 yen when hospitalized for ischemic disease, a daily fee of 8500 yen when hospitalized for diabetes, and a daily fee when hospitalized for lung cancer. The amount of 7,000 yen will be the adjusted insurance money (benefit) for each type of illness.

In the above example, the insurance money was corrected using the correction insurance money table shown in FIG. 10, but the insurance money is not limited to this, and for example, data such as blood pressure value, blood glucose level, and lifestyle can be obtained. It may be judged by the formula to be input. Further, in the supplementary insurance money table shown in FIG. 10, the amount of increase in insurance money due to the improvement of vital data or lifestyle is set as the supplementary insurance money, but the present invention is not particularly limited to this example, and for example, vital data or life. Various changes are possible, such as setting the amount of reduction in insurance claims as supplementary insurance claims when habits are changed.

Further, the insurance claim correction value storage unit 52 is connected to the second disease DB 53, which is an example of the disease database unit. The second disease DB 53 stores in advance various vital data and a plurality of knowledge information representing the relationship between lifestyle and various diseases, and also receives vital data from the vital detection device 10 and life via the receiving unit 41. Lifestyle data from the habit detection device 20 is accumulated, and knowledge information based on these data is added in a timely manner. The insurance claim correction value storage unit 52 corrects and updates the compensation insurance claim table based on the knowledge information and the like accumulated in the second disease DB 53.

As described above, the second disease DB 53 continuously stores the vital data and the lifestyle data acquired by the receiving unit 41, and finds out about the transition of the vital data and the lifestyle data and the probability of contracting a predetermined disease. Accumulate information. The insurance claim correction value storage unit 52 corrects the insurance claim correction value table by using the knowledge information accumulated in the second disease DB 53. The insurance money correction unit 51 corrects the initial value of the insurance money for each type of illness using the corrected insurance money correction table.

The basic idea in this case is the same as that of the insurance money initial value storage unit 46 shown in FIG. 4, but the difference between the insurance money correction value storage unit 52 and the insurance money initial value storage unit 46 is the insurance money correction. The knowledge information referred to by the value storage unit 52 is the knowledge information mainly based on the amount of change in vital data and the amount of change in lifestyle, whereas the knowledge information referred to by the insurance claim initial value storage unit 46 is. , It is knowledge information based on the instantaneous value of vital data and the instantaneous value of lifestyle rather than the amount of change.

That is, the insurance claim initial value storage unit 46 uses the knowledge information describing the increase / decrease in the probability of contracting a specific disease based on the temporary high / low blood pressure measured in a regular medical examination or the like, and uses the insurance claim initial value. In contrast to correcting the table, the insurance claim correction value storage unit 52 displays vital data such as how much the prevalence of a specific disease is reduced if the blood pressure value improves from which value to another value. And the insurance claim correction table will be corrected using the knowledge information based on the amount of change in lifestyle.

Until now, the accumulation of vital data and lifestyle-related data has been obtained mainly through annual examinations such as health examinations and hearings by doctors, so medical knowledge is obtained about once a year. The main research was to track how many specific diseases will occur in the future based on tests.

That is, the knowledge information accumulated in the first disease DB 47 is a lot of information obtained from the medical knowledge so far. On the other hand, in the second disease DB53, which focuses on the change values of vital data and lifestyle-related data, the transition of vital data and lifestyle-related data detected frequently or continuously in daily life such as at home, and the transition of specific diseases We are accumulating knowledge and information on the probability of getting sick. In this way, it is not about the annual health checkup, but about the changes in vital data and lifestyles that are frequently or continuously accumulated and studied in daily life such as at home, and the probability of contracting a specific disease. It is thought that the knowledge information will become more important.

The notification unit 50 transmits information such as the corrected insurance money calculated by the insurance money correction value storage unit 52 to the mobile terminal 30 used by the insured person. The mobile terminal 30 presents to the insured person information such as the corrected insurance money transmitted from the insurance money calculation device 40.

The advice creation unit 49 acquires the post-contract detection data after the insurance contract, the insured person data, and the corrected insurance money from the insurance money correction value storage unit 52, and reduces the risk of contracting a predetermined disease. The advice information for this is created and output to the notification unit 50. The notification unit 50 transmits the advice information and the like created by the advice creation unit 49 to the mobile terminal 30 used by the insured person. The mobile terminal 30 presents the advice information and the like transmitted from the insurance money calculation device 40 to the insured person.

As described above, in the present embodiment, based on the latest medical knowledge accumulated in the second disease DB 53, the transition of vital data and lifestyle data, and the knowledge information regarding the probability of contracting a specific disease. As the insurance claims are amended, the relationship between the insured's vital data and lifestyle and specific illnesses becomes clearer, and the insured knows the amended insurance claims based on the latest medicine. It becomes possible.

In this way, in this embodiment, the insurance money to be paid for each type of illness is determined based on vital data and lifestyle, instead of the insurance money fixed at the time of insurance enrollment as in the past insurance. Furthermore, by improving vital data and lifestyles, the insurance money paid for each type of illness is corrected. Therefore, the insured can reduce the risk of future illness and maintain his / her health by improving the vital data and lifestyle, and the amount of insurance money corrected for each type of illness. It becomes possible to easily know as.

In addition, regarding the correction of insurance claims for each type of illness mentioned above, a table and calculation formula are set so that the insured can accumulate health efforts little by little and the insurance claims once raised by the correction will not be reduced. By doing so, the insured may be encouraged to continue his or her health efforts.

Further, when the lifestyle-related detection device 20 is, for example, a device that detects eating habits based on the opening / closing of a refrigerator, the usage history of a microwave oven, etc. Habits do not always point to the lifestyle of an insured person living in the same house. For example, in a family of four, it is possible that the husband is insured, the family other than the husband has a healthy diet, and the husband eats out a lot and has an unhealthy diet. ..

In such a case, the family structure is added to the personal information DB 44, and the husband uses the GPS (Global Positioning System) information of the smartphone (for example, the mobile terminal 30) owned by the husband to bring the husband home during the meal time. The husband's eating habits may be detected more precisely by identifying whether he is present or outside his home. In addition, in the case of a lifestyle in which each family member cannot be identified, the lifestyle may not be added to the calculation or correction of insurance claims.

Next, the insurance money correction process for correcting the insurance money for each type of disease of the insurance money calculation device 40 configured as described above will be described. FIG. 12 is a flowchart showing an example of an insurance claim correction process for correcting an insurance claim by the insurance claim calculation device 40 shown in FIG.

First, the insurance claim correction unit 51 of the insurance claim calculation device 40 acquires the initial value of the insurance claim from the insurance claim storage unit 48, and the vital data and lifestyle data used when calculating the initial value of the insurance claim. Is obtained from the vital accumulation unit 42 and the lifestyle accumulation unit 43 (step S21).

Next, the insurance money calculation device 40 performs a process of acquiring vital data after the insured has taken out insurance (step S22). Specifically, the receiving unit 41 receives and acquires the vital data after insurance coverage detected by the vital detection device 10, stores the vital data in the vital storage unit 42, and the insurance money correction unit 51 receives the vital data. Vital data is acquired from the storage unit 42. The vital data acquired here may be detected by the vital detection device 10 represented by a blood pressure monitor or the like as described above, or the health examination result may be acquired electronically or on paper. As long as the reliability of the vital data to be obtained is high, the acquisition method does not matter.

Next, the insurance money calculation device 40 performs a process of acquiring lifestyle-related data after the insured has taken out insurance (step S23). Specifically, the receiving unit 41 receives and acquires the lifestyle-related data after insurance coverage detected by the lifestyle-related detection device 20, stores the lifestyle-related data in the lifestyle-related storage unit 43, and accumulates the lifestyle-related data in the lifestyle-related storage unit 43. 51 acquires lifestyle-related data from the lifestyle-related storage unit 43. The lifestyle-related data acquired here may also be performed by the lifestyle-related detection device 20 as described above, may be based on a questionnaire from the insured, or when it is difficult to acquire the lifestyle-related data. In the above, the lifestyle-related acquisition process may be skipped.

Next, the insurance claim correction unit 51 compares the vital data and lifestyle data at the time of setting the initial value of insurance claims acquired in step S21 with the vital data and lifestyle data acquired in steps S22 and S23, and makes vitals. The degree of improvement in data and lifestyle is determined (step S24).

Next, the insurance claim correction unit 51 refers to the compensation insurance claim table for each type of illness stored in the insurance claim correction value storage unit 52, and based on the degree of improvement of vital data and lifestyle-related data, the illness The initial value of the insurance money for each type of is corrected (step S25).

Finally, the notification unit 50 transmits the corrected insurance money for each type of illness corrected by the insurance money correction unit 51 to the mobile terminal 30, and the insurance money correction unit 51 after the correction for each type of illness. The insurance money is set in the insurance money storage unit 48 (step S26).

In this way, in the present embodiment, the vital data and lifestyle when the initial value of the insurance money is set is determined by determining how the vital data and the lifestyle have changed after the insurance is taken out. Clarify differences in data and lifestyles, and correct insurance claims. In the above insurance claim correction process, the vital data and lifestyle data used when calculating the initial value of the insurance claim are compared with the vital data and lifestyle data after the insurance contract to perform the initial insurance claim. Although the process of correcting the value has been described, the correction of the insurance money is not particularly limited to the above example, and the insurance money corrected as described above according to the change of the vital data and the lifestyle data after the insurance contract. Various changes such as further correction are possible.

In addition, in order to compare the vital data and lifestyle data measured in the past with the currently measured vital data and lifestyle data as described above, the vital storage unit 42 and the lifestyle storage unit 43 are provided with It is desirable that vital data and lifestyle-related data including past measurement values are recorded. At this time, for example, if the smoking period exceeds 5 years and the risk of illness is the same as that of a person without a smoking calendar, the lifestyle-related lifestyle is recorded only for the past 5 years, so that the lifestyle-related accumulation unit 43 The required capacity of the recording medium required for the above may be reduced.

Next, how to notify the insured who purchases the insurance product of the insurance claim amendment will be described.

FIG. 13 is a diagram showing an example of a change in insurance money when suffering from a predetermined disease. FIG. 13 shows an example of a screen presented on a display screen of a mobile terminal 30 composed of, for example, an insured person's smartphone or the like. In this example, it is shown that the amount of insurance money paid when hospitalized due to ischemic disease is 6,500 yen this year, compared to 6,000 yen last year.

The notification to such an insured person is created by the notification unit 50. That is, by inputting the vital data detected by the vital detection device 10 and the lifestyle data detected by the lifestyle-related detection device 20, the insurance money correction unit 51 calculates the corrected insurance money, and the notification unit 50 This is realized by notifying the insured person of a smartphone or other device having a display (for example, a mobile terminal 30).

In this way, the insurance money is corrected by the insurance money correction unit 51 based on the vital data detected by the vital detection device 10 and the lifestyle data detected by the lifestyle habit detection device 20, and further, from the insurance money calculation device 40. Considering the form of notifying the mobile terminal 30 such as a smartphone, it is desirable that the insurance money calculation device 40 is configured on the calculation device constituting the cloud.

As described above, by showing the transition of the amount of benefits for a specific disease, it becomes possible for the insured to easily understand the increase or decrease in the risk of contracting the specific disease.

FIG. 14 is a diagram showing an example of changes in insurance claims and factors of change when suffering from a predetermined disease. The example shown in FIG. 14 is a derivative example of FIG. 13, but the difference from FIG. 13 is that the insured has improved vital data and lifestyle, and the insurance money of 6000 yen last year is the insurance of this year. It is a point that it is added whether the amount was increased to 6500 yen. In this example, the amount is increased by 300 yen for maintaining blood pressure, 100 yen for improving blood sugar level, and 100 yen for smoking cessation. In this way, by clearly showing the relationship between the improvement and the increase / decrease in benefits on the display screen of the mobile terminal 30 or the like, the insured can look back on his / her health efforts and what kind of vital data It is possible to know whether improvement or improvement of lifestyle has led to health.

Next, an example of presenting a graph showing the amount of benefits for a plurality of diseases on the display screen of the mobile terminal 30 such as a smartphone will be described. FIG. 15 is a diagram showing an example of a list of insurance claims for each type of illness.

In the example shown in FIG. 15, the benefit when suffering from an ischemic disease is 6000 yen, the benefit when suffering from diabetes is 7500 yen, and the benefit when suffering from lung cancer is 6000 yen. This is an example. In this way, by displaying on the display screen of the mobile terminal 30 or the like so that the insured can understand at a glance how much insurance money will be paid for each type of illness, the risk of contracting any illness is high. You can understand at a glance.

FIG. 16 is a diagram showing a list of examples of changes in insurance claims paid when suffering from each disease. The example shown in FIG. 16 is an example in which the transition of the insurance money for each type of the disease shown in FIGS. 13 and 14 is displayed in a list so that the insured can view it on one screen. In the example shown in FIG. 16, the insurance money for suffering from ischemic disease is increased by 500 yen to 6500 yen, the insurance money for suffering from diabetes is increased by 500 yen to 8000 yen, and when suffering from lung cancer. The insurance money has been increased by 1000 yen to 7000 yen. In this way, by displaying on the display screen of the mobile terminal 30 or the like so that the insured can understand at a glance how much the insurance money will be increased for each type of illness, which illness will be affected. You can understand at a glance whether there is a high risk of illness, and at a glance the amount of increase in insurance money from last year.

Further, when the advice creation unit 49 creates advice information for reducing the risk of contracting each disease, the notification unit 50 creates a screen including the advice information and transmits it to the mobile terminal 30, and the mobile terminal 30 , Display a screen containing advice information. FIG. 17 is a diagram showing an example of advice information that presents how the probability of contracting a predetermined disease can be reduced.

Specifically, when the insured clicks on the graph or disease name showing the insurance money for each type of disease on the screen shown in FIG. 15, an advice request is sent from the mobile terminal 30 to the notification unit 50 to notify the notification. The unit 50 transmits screen information including advice information to the mobile terminal 30. For example, when an ischemic disease is clicked, as shown in FIG. 17, along with an insurance money of 6000 yen for the ischemic disease, advice information such as "let's reduce salt content" and "let's walk 10,000 steps" is provided on the mobile terminal. It is displayed on the display screen of 30.

In this way, by displaying advice information on how the insured can reduce the risk of contracting each disease, what the insured can do to further reduce the risk of contracting various diseases can be determined. It will be easy to understand, and it is expected that further health efforts of the insured will be supported.

As described above, in the present embodiment, the insured person's vital data and lifestyle data are received, and the received vital data and lifestyle data are based on the insured person data including at least the insured person's age. In addition, since the insurance money is determined for each type of illness, the handling of the insurance money for each type of illness can be appropriately set according to the insured's vital data and / or lifestyle. In addition to encouraging insurers to manage their health properly, it is possible to improve motivation for fighting illness even if they suffer from illness.

In the present embodiment, the calculation of the initial value of the insurance money and the correction of the initial value of the insurance money are performed by the insurance money calculation device 40, but the present invention is not particularly limited to this example, and the initial value of the insurance money is used. The insurance money initial value calculation device for calculating and the insurance money correction device for correcting the initial value of insurance money may be separately configured.

FIG. 18 is a block diagram showing an example of the configuration of the insurance money initial value calculation device which is a modification of the insurance money calculation device shown in FIG. 4, and FIG. 19 is another modification of the insurance money calculation device shown in FIG. It is a block diagram which shows an example of the structure of the insurance money correction device which is an example.

The insurance money initial value calculation device 40a shown in FIG. 18 includes a receiving unit 41, a vital storage unit 42, a lifestyle-related storage unit 43, a personal information DB 44, an initial insurance money calculation unit 45, and a vital-disease-specific insurance money initial value table 46a. It is equipped with a vital / lifestyle-disease DB (database) 47a and an initial insurance claim notification unit 50a.

Reception unit 41, vital storage unit 42, lifestyle storage unit 43, personal information DB 44, initial insurance claim calculation unit 45, vital-insurance claim initial value table 46a, vital / lifestyle-disease DB 47a, and The initial insurance money notification unit 50a includes a receiving unit 41, a vital storage unit 42, a lifestyle storage unit 43, a personal information DB 44, an initial insurance money calculation unit 45, an insurance money initial value storage unit 46, and a first disease DB 47 shown in FIG. , And the notification unit 50, the insurance claim initial value calculation device 40a calculates the initial value of the insurance claim by executing the initial value determination process shown in FIG.

Further, the insurance money correction device 40b shown in FIG. 19 includes a receiving unit 41, a vital storage unit 42, a lifestyle-related storage unit 43, a personal information DB 44, an insurance money storage unit 48, a correction insurance money notification unit 50b, and an insurance money correction unit 51. , A supplementary insurance claim table 52a, and a vital / lifestyle-disease DB (database) 53a.

Receiving unit 41, vital storage unit 42, lifestyle storage unit 43, personal information DB 44, insurance money storage unit 48, supplementary insurance money notification unit 50b, insurance money correction unit 51, supplementary insurance money table 52a, and vitals shown in FIG. / Lifestyle-disease DB53a includes a receiving unit 41, a vital storage unit 42, a lifestyle storage unit 43, a personal information DB 44, an insurance money storage unit 48, a notification unit 50, an insurance money correction unit 51, and an insurance money correction unit shown in FIG. The insurance claim correction device 40b, which is configured in the same manner as the value storage unit 52 and the second disease DB 53, corrects the initial value of the insurance claim by executing the insurance claim correction process shown in FIG.

In the above case as well, the same effect as described above can be obtained by the insurance claim initial value calculation device 40a and the insurance claim correction device 40b.

(Embodiment 2)
As described above, the amount of insurance money for each type of illness is corrected by the vital data of the insured and the improvement of lifestyle, and the corrected insurance money is used as the insurance money paid for each type of illness. By being presented to the insured, we showed what actions the insured should take to reduce the risk of contracting a given disease. What is important here is to encourage the insured to take actions to improve various vital data and lifestyles, and in this embodiment, in addition to presenting an increase or decrease in insurance claims, more We will explain the methods for effectively having the insured perform behavioral changes that lead to health.

FIG. 20 is a block diagram showing an example of the configuration of the alternative action proposal system according to the second embodiment of the present disclosure. The alternative behavior proposal system of the present embodiment proposes to the insured to replace exercise and eating behavior in daily life with alternative behaviors that lead to better health improvement. Hereinafter, the operation of this alternative action proposal system will be described with reference to FIG.

The alternative action proposal system shown in FIG. 20 includes a carrying device 70 and an alternative action proposal device 80. The carrying device 70 and the alternative action proposing device 80 are communicably connected via a predetermined wired or wireless network (not shown) such as the Internet or a dedicated line.

The carrying device 70 includes a motion detection unit 71, an eating behavior detection unit 72, an alternative behavior proposal display unit 73, and a communication unit 74. The carrying device 70 is a device carried by an insured person (insurance member), and is composed of, for example, a wearable device such as a smart watch that can acquire information such as exercise and eating behavior of the insured person. The carrying device 70 is not particularly limited to the above example, and various changes such as substituting the vital detection device 10 and substituting the lifestyle detection device 20 are possible.

When the carrying device 70 is used for the purpose of improving exercise habits, the exercise detection unit 71 measures an index related to the amount of exercise of the insured person to carry at predetermined time intervals to generate exercise information, and generates exercise information, and the communication unit 74. It is transmitted to the alternative action proposal device 80 via. When the carrying device 70 is used for the purpose of improving eating habits, the eating behavior detection unit 72 takes in information on the food purchased by the insured person to carry, generates the purchased food information, and uses the communication unit 74. Is transmitted to the alternative action proposal device 80. The alternative action proposal display unit 73 presents to the insured the alternative action proposal information indicating the alternative action presented by the alternative action proposal device 80 via the communication unit 74.

The motion detection unit 71 preferably detects the motion information by measuring the number of steps and activity of the insured person by an acceleration sensor or the like and the movement amount of the insured person by a GPS (Global Positioning System) sensor or the like. .. In addition, the eating behavior detection unit 72 preferably includes an acquisition unit that acquires purchase history data such as online shopping in cooperation with each other, a reading unit that captures and reads an image of a receipt at the time of food purchase, and a food purchased by the insured. Foods purchased or ingested by the insured by either an input unit for inputting data, or a detection unit that detects eating habits from the usage history of a refrigerator or microwave oven. Incorporate the name and its quantity as purchased food information.

The communication unit 74 uses the insured person ID for identifying the insured person who uses the carrying device 70 for the exercise information detected by the exercise detection unit 71 and / or the purchased food information detected by the eating behavior detection unit 72. It is transmitted to the alternative action proposal device 80 together with (identification information).

The alternative action proposal device 80 is composed of, for example, a cloud server including a processor, a memory, an external storage device, and the like. The alternative action proposal device 80 includes an action collection unit 81, a substitutable behavior pattern detection unit 82, an alternative behavior database 83, a precursory behavior pattern detection unit 84, an alternative behavior search unit 85, an alternative effect calculation unit 86, a characteristic database 87, and an alternative. An action proposal sending unit 88 is provided.

The behavior collection unit 81 collects exercise information and / or purchased food information (hereinafter, exercise information and purchased food information are collectively referred to as behavior information) from the carrying device 70, and collects the collected behavior information and the behavior information from the carrying device 70. The insured person ID is output to the substitutable behavior pattern detection unit 82 and the precursor behavior pattern detection unit 84.

The substitutable behavior pattern detection unit 82 uses the time-series pattern of the insured's behavior information collected by the behavior collection unit 81 to match the insured's behavior that matches the substitutable behavior registered in the alternative behavior database 83. The time-series pattern of information is detected as a substitutable behavior pattern. In addition, the substitutable behavior pattern detection unit 82 determines the time-series pattern of the insured's behavior information recorded immediately before the substitutable behavior pattern when the detection frequency of the substitutable behavior pattern exceeds a predetermined value. Extract commonalities as precursor behavior patterns. Further, the substitutable behavior pattern detection unit 82 generates one or more substitutable behavior pattern information in which the insured person ID, the detected substitutable behavior pattern and its detection frequency, and the extracted precursory behavior pattern are associated with each other. Then, it is output to the precursor behavior pattern detection unit 84.

Specifically, as an example of substitutable behavior, there is a time-series pattern of exercise information in which the amount of movement in the vertical direction is large even though the amount of increase in the number of steps and the amount of activity of the insured are low. This substitutable action is considered to correspond to the action of moving upstairs using an elevator or an escalator, and as an alternative action, the action of moving upstairs using stairs is registered in the alternative action database 83.

In this case, when the substitutable behavior pattern detection unit 82 detects the substitutable behavior pattern "moved to the upper floor by the elevator", the detection frequency in a predetermined period is calculated. The substitutable behavior pattern detection unit 82 is insured immediately before the same substitutable behavior pattern is detected when the detection frequency reaches a certain level or more (for example, detection of once a day or more per week) in a predetermined period. The time-series data of the movement information of the person is analyzed, and the common pattern (for example, the movement route to the position of a specific elevator and its time zone) is calculated as a precursory behavior pattern.

In addition, another example of substitutable behavior is the purchase behavior of high-calorie foodstuffs having lower-calorie substitute foodstuffs. In this case, the substitutable behavior pattern detection unit 82 calculates a common pattern regarding time and position as a precursor behavior pattern, such as approaching a frequently used food retail store during the time zone or day of the week when the substitutable high-calorie foodstuff is purchased. To do.

The precursor behavior pattern detection unit 84 can substitute the substitutable behavior pattern from the time-series patterns of the insured's behavior information collected by the behavior collection unit 81 after one or more substitutable behavior pattern information is generated. Any of the precursor behavior patterns included in the information is detected, and the detected precursor behavior pattern, the substitutable behavior pattern corresponding to the precursor behavior pattern, and the insured person ID are output to the alternative behavior search unit 85.

The alternative behavior search unit 85 uses the alternative behavior pattern 83 to determine the alternative behavior and the unit consumption energy or unit intake energy of the alternative behavior according to the alternative behavior pattern corresponding to the precursor behavior pattern detected by the precursor behavior pattern detection unit 84. Is acquired and output to the substitution effect calculation unit 86 together with the alternative behavior pattern, its detection frequency, and the insured person ID.

The substitution effect calculation unit 86 receives the substitutable behavior pattern and its detection frequency, the unit consumption energy or unit intake energy due to the alternative behavior and the alternative behavior, and the insured person ID from the alternative behavior search unit 85, and corresponds to the insured person ID. The insured person's characteristic information is received from the characteristic database 87, and the expected value of the amount of weight loss when the alternative behavior pattern for a predetermined period (one year, etc.) is replaced with the alternative behavior is calculated as the substitution effect.

The alternative action proposal sending unit 88 sends the alternative action proposal information including the content of the alternative action acquired by the alternative action search unit 85 and the alternative effect calculated by the alternative effect calculation unit 86 to the carrying device 70 as advice information. To do.

Specifically, according to the example of "movement to the upper floor by the elevator" shown as an example of the above alternative behavior, the precursor behavior pattern detection unit 84 is a time series of exercise information that can be acquired from the behavior collection unit 81. From the patterns, motion information indicating "movement to a specific elevator position" specified in the substitutable behavior pattern information as a precursor behavior pattern is detected. The alternative action search unit 85 acquires the corresponding alternative action "movement to the upper floor on the stairs" from the alternative action database 83, and a person with a standard physique at that time stairs at a height of 1 m. Acquire the energy consumption when moving with as a unit energy consumption.

The substitution effect calculation unit 86 receives from the alternative behavior search unit 85 the alternative behavior pattern and the insured person ID, which are exercise information while moving in the elevator, and the insured person including at least the weight corresponding to the insured person ID. The characteristic information is acquired from the characteristic database 87, and the energy consumption before substitution is calculated from the substitutable behavior pattern and the insured characteristic information.

Further, the substitution effect calculation unit 86 includes insured person characteristic information including at least the weight corresponding to the unit energy consumption of the alternative action received from the alternative action search unit 85, the movement height in the alternative action pattern, and the insured person ID. From, the energy consumption after substitution is calculated. The difference between the energy consumption after substitution and the energy consumption before substitution indicates the increase in energy consumption when one movement upstairs by the elevator is replaced with the movement upstairs by the stairs.

Further, the substitution effect calculation unit 86 receives the detection frequency of the substitute behavior pattern from the alternative behavior search unit 85, and for example, the number of times that the elevator moves to the upper floor that can occur in one year and the above-mentioned Multiply by the increase in energy consumption to calculate the increase in energy consumption when taking alternative actions for one year. The alternative effect calculation unit 86 converts the calculated increase in energy consumption into the burned weight of the accumulated fat, calculates the expected value of the weight loss effect for one year, and uses the alternative action proposal sending unit 88 for one year. The alternative effect such as the weight loss effect of is transmitted to the carrying device 70. The alternative action proposal display unit 73 of the carrying device 70 presents this alternative effect to the insured at the same time as presenting the alternative action proposal.

Further, according to the example of "purchasing a high-calorie foodstuff having a low-calorie substitute foodstuff" shown as another example of the above-mentioned substitutable behavior, the precursor behavior pattern detection unit 84 is a purchase that can be obtained from the behavior collection unit 81. From the time-series pattern of food information, the purchased food information indicating "approaching a specific food retail store at a specific time zone or day" specified in the substitutable behavior pattern information as a precursory behavior pattern is detected. The alternative behavior search unit 85 acquires the corresponding alternative behavior "purchase of low-calorie alternative ingredients" from the alternative behavior database 83, and when a person of a standard physique ingests the alternative ingredients in a unit quantity. Acquire the intake energy as a unit intake energy.

The substitution effect calculation unit 86 uses the same method as the above-mentioned example of replacing the elevator with stair climbing, for example, ingestion when the high-calorie foodstuff that has been ingested for one year is replaced with the same amount of low-calorie substitute foodstuff. Calculate the amount of energy loss and convert this to the amount of fat loss. The substitution effect calculation unit 86 calculates the expected value of the reduction effect for one year from the weight loss of fat and the like, and transmits the substitution effect such as the reduction effect for one year to the carrying device 70 using the alternative action proposal sending unit 88. To do. The alternative action proposal display unit 73 of the carrying device 70 presents this alternative effect to the insured at the same time as presenting the alternative action proposal.

By the above processing, the insured's behavior information is collected, the alternative behavior to improve the insured's health is created as advice information based on the collected behavior information, and the created alternative behavior is used as the insured's carrying device. By notifying 70, it becomes possible for the insured to understand concretely what can be done to further reduce the risk of contracting various diseases, further supporting the insured's further health efforts. be able to.

According to the above configuration, the effect of increasing the insured's amount of exercise (energy consumption) is small with one meal, or the effect of reducing the insured's energy intake with one meal is small. Proposals (advice information) that can be expected to have a high health improvement effect by increasing the number of substitutions by capturing the opportunities that frequently occur in the insured's daily life for easy alternative actions, showing the magnitude of the effect It can be carried out. In addition, immediately before the insured takes an action to be substituted, it is possible to propose an appropriate alternative action in a timely manner by predicting the precursory behavior pattern. As a result, it is possible to effectively induce the implementation of alternative actions for improving the health of the insured, which promotes the improvement of the health of the insured and reduces the payment of insurance money related to medical expenses. It can be expected to have an effect on improving the balance of payments of the insurance business.

In the present embodiment, the carrying device 70 has been described as one device having all the configurations of the motion detection unit 71, the eating behavior detection unit 72, and the alternative behavior proposal display unit 73. It may be configured by a plurality of devices including a part.

Further, regarding the registration of the insured person's characteristic information such as the weight of each insured person in the characteristic database 87, the data acquired by measurement or interview when registering the insured person may be registered. In order to make a proposal according to the weight change of the insured person, the data measured by the weight scale (not shown) is periodically transmitted from the carrying device 70 to the behavior collection unit 81, and the contents of the characteristic database 87 are updated. It is desirable to. In that case, the measurement data may be manually input by the insured person on the carrying device 70, or may be directly acquired from the weight scale associated with the carrying device 70.

Further, the eating behavior detection unit 72 included in the carrying device 70 has decided to generate the purchased food information that incorporates the information of the purchased food, but the ingested food information that incorporates the information of the food that the insured has ingested. May be configured to generate. In this case, a low-calorie alternative food to be ingested instead of the high-calorie food will be presented before the intake.

Further, the configuration of the alternative action proposal device 80 is not particularly limited to the above example. For example, each configuration of the alternative action proposal device 80 is added to the advice creation unit 49 shown in FIG. 4, and the insurance money calculation device 40 The above advice information may be transmitted to the carrying device 70 and presented to the insured person. In this case, even in the first embodiment, the same effect as that of the second embodiment can be obtained.

In the first and second embodiments, it is disclosed that the insurance money is increased or decreased, but other factors related to medical insurance (for example, the length of hospital stay and the lump-sum payment paid when a predetermined illness occurs). , Insurance premiums) may be increased or decreased.

The insurance claim calculation system and the like according to one aspect of the present disclosure have been described above based on the above-described embodiment, but the present disclosure is not limited to the above-described embodiment. As long as it does not deviate from the gist of the present disclosure, the scope of the present disclosure also includes a form in which various modifications conceived by those skilled in the art are applied to the present embodiment, or a form constructed by combining components in different embodiments. Is done.

Further, in the present disclosure, all or a part of a unit, a device, a member or a part, or all or a part of a functional block in the block diagram shown in the above figure is a semiconductor device, a semiconductor integrated circuit (IC), or an LSI. It may be performed by one or more electronic circuits including (large scale integration). The LSI or IC may be integrated on one chip, or may be configured by combining a plurality of chips. For example, functional blocks other than the storage element may be integrated on one chip. Here, it is called an LSI or an IC, but the name changes depending on the degree of integration, and it may be called a system LSI, a VLSI (very large scale integration), or a ULSI (ultra large scale integration). A Field Programmable Gate Array (FPGA), which is programmed after the LSI is manufactured, or a reconfigurable logistic device that can reconfigure the junction relationship inside the LSI or set up the circuit partition inside the LSI can also be used for the same purpose.

Further, all or part of the function or operation of a unit, device, member or part can be performed by software processing. In this case, the software is recorded on a non-temporary recording medium such as one or more ROMs, optical disks, hard disk drives, etc., and is identified by the software when it is executed by a processor. Functions are performed by the processor and peripherals. The system or device may include one or more non-temporary recording media on which the software is recorded, a processor, and the required hardware device, such as an interface.

In this disclosure, for various types of insurance, the insured who has improved to an appropriate health condition by sensing vital data or lifestyle-related data that may lead to illness, or the insured who maintains an appropriate health condition. Since it is possible to reward a person with insurance money, it is useful as an insurance money calculation device for calculating insurance money.

10 Vital detection device 11 Vital detection unit 12 Vital storage unit 13 Transmission unit 20 Lifestyle-related detection device 21 Lifestyle-related detection unit 22 Lifestyle-related storage unit 23 Transmission unit 30 Mobile terminal 40 Insurance money calculation device 41 Reception unit 42 Vital storage unit
43 Lifestyle Accumulation Department 44 Personal Information DB
45 Initial Insurance Claim Calculation Department 46 Insurance Claim Initial Value Memory Department 46a Vital-Insurance Claim Initial Value Table by Disease 47 First Disease DB
47a Vital / Lifestyle-Disease DB
48 Insurance claim storage section 49 Advice creation section 50 Notification section 50a Initial insurance claim notification section 50b Corrected insurance claim notification section 51 Insurance claim compensation section 52 Insurance claim correction value storage section 52a Corrected insurance claim table 53 Second disease DB
53a Vital / Lifestyle-Disease DB
70 Carrying device 71 Motion detection unit 72 Food behavior detection unit 73 Alternative behavior proposal display unit 74 Communication unit 80 Alternative behavior proposal device 81 Behavior collection unit 82 Substitutable behavior pattern detection unit 83 Alternative behavior database 84 Precursor behavior pattern detection unit 85 Alternative behavior Search unit 86 Alternative effect calculation unit 87 Characteristic database 88 Alternative action proposal transmission unit

Claims (10)

It is a device that calculates insurance money according to the type of illness.
An acquisition department that acquires detection data including at least one of the insured's vital data and lifestyle data,
And said detection data, based on the insured data including age of at least the insured, Bei example a determining section for determining the insurance money for each type of the disease,
The acquisition unit acquires initial detection data including at least one of the insured's vital data and lifestyle data before the insurance contract.
The determination unit includes an initial value determination unit that determines an initial value of insurance money for each type of the disease based on the initial detection data and the insured person data.
A plurality of categories in which the initial detection data is classified into a plurality of categories for each type of disease having a correlation with the initial detection data, and an initial value of insurance money is set for each category and the age of the insured person. It also has an insurance claim initial value storage unit that stores the insurance claim initial value table.
The initial value determination unit determines the initial value of the insurance money for each type of the disease by using the plurality of insurance money initial value tables.
Insurance claim calculation device. The acquisition unit acquires post-contract detection data including at least one of the insured's post-insurance vital data and lifestyle data.
The determination unit includes a correction unit that corrects the initial value of the insurance money for each type of the disease based on the initial detection data, the post-contract detection data, and the insured person data.
The insurance claim calculation device according to claim 1 . Further provided with a correction insurance claim storage unit that stores an insurance claim compensation table in which compensation claims are set for changes in the post-contract detection data and the type of the disease.
The correction unit corrects the initial value of the insurance money for each type of the disease by using the insurance money correction table.
The insurance claim calculation device according to claim 2 . The acquisition unit acquires the vital data from the vital detection device that detects the vital data of the insured person.
A vital accumulation unit for accumulating the vital data acquired by the acquisition unit is further provided.
The correction unit corrects the initial value of the insurance money for each type of disease based on the change of the vital data accumulated in the vital storage unit.
The insurance claim calculation device according to claim 2 or 3 . The acquisition unit acquires the lifestyle-related data from the lifestyle-related detection device that detects the lifestyle-related data of the insured person.
A lifestyle-related storage unit that stores the lifestyle-related data acquired by the acquisition unit is further provided.
The correction unit corrects the initial value of the insurance money for each type of disease based on the change in the lifestyle data accumulated in the lifestyle accumulation unit.
The insurance claim calculation device according to any one of claims 2 to 4 . The acquisition unit acquires the vital data from the vital detection device that detects the vital data of the insured person, and acquires the lifestyle-related data from the lifestyle-related detection device that detects the lifestyle-related data of the insured person. Acquired,
A disease database that continuously stores the vital data and the lifestyle-related data acquired by the acquisition unit, and accumulates knowledge information regarding the transition of the vital data and the lifestyle-related data and the probability of contracting a predetermined disease. With more parts
The supplementary insurance claim storage unit corrects the insurance claim compensation table with reference to the disease database section.
The correction unit corrects the initial value of the insurance money for each type of the disease by using the corrected insurance money correction table.
The insurance claim calculation device according to claim 3 . An advice creation unit that creates advice information for reducing the risk of contracting a predetermined disease based on the post-contract detection data and the insured person data.
It further includes a notification unit that notifies the insured person's terminal of the advice information and information on the insurance money corrected by the correction unit.
The insurance claim calculation device according to any one of claims 2 to 6 . The advice creation unit collects the behavior information of the insured person, and based on the behavior information, creates an alternative behavior for improving the health of the insured person as the advice information.
The notification unit notifies the insured person's terminal of the alternative action.
The insurance claim calculation device according to claim 7 . It is a method of calculating insurance money in an insurance money calculation device that calculates insurance money according to the type of illness.
Acquire detection data including at least one of the insured's vital data and lifestyle data,
Based on the detection data and the insured person data including at least the age of the insured person, the insurance money is determined for each type of the disease.
In the acquisition of the detection data, the initial detection data including at least one of the vital data and the lifestyle data before the insurance contract of the insured person is acquired.
In the determination of the insurance money, the initial value of the insurance money is determined for each type of the disease based on the initial detection data and the insured person data.
In determining the initial value of the insurance money, the initial value of the insurance money is determined for each type of the disease by using a plurality of insurance money initial value tables stored in the insurance money initial value storage unit.
The plurality of insurance claim initial value tables classify the initial detection data into a plurality of categories for each type of disease having a correlation with the initial detection data, and for each category and the age of the insured person. The initial value of insurance money is set,
Insurance claim calculation method. A program for operating a computer as a device for calculating insurance claims according to the type of illness.
On the computer
Acquire detection data including at least one of the insured's vital data and lifestyle data,
Based on the detection data and the insured person data including at least the age of the insured person, the insurance money is determined for each type of the disease.
In the acquisition of the detection data, the initial detection data including at least one of the vital data and the lifestyle data before the insurance contract of the insured person is acquired.
In the determination of the insurance money, the initial value of the insurance money is determined for each type of the disease based on the initial detection data and the insured person data.
In determining the initial value of the insurance money, the initial value of the insurance money is determined for each type of the disease by using a plurality of insurance money initial value tables stored in the insurance money initial value storage unit.
Let the process be executed
The plurality of insurance claim initial value tables classify the initial detection data into a plurality of categories for each type of disease having a correlation with the initial detection data, and for each category and the age of the insured person. The initial value of insurance money is set,
Insurance claim calculation program.

Images