KR20050042418A - Apparatus for offering health condition information and method for guiding entry of insurance using health condition information offer apparatus - Google Patents

Abstract

The present invention relates to an apparatus for providing health status information and a method for inducing insurance subscription using the same, and the present invention receives medical information for calculating health age of a check-up subject who wants to check a health status by health age, and inputs it into a health age information database. Health age paperweight information input unit for storing / managing; The result of questionnaire is calculated by mapping the input questionnaire information of the examinee to the default value for each questionnaire item, and the calculated questionnaire result is calculated by exponential calculation to derive the change in age, and then the corresponding change in age. Health age calculation unit for calculating the health age by adding to the actual age of the; And health status information providing device including a health age result output unit for outputting health status result information based on the calculated health age, and informing the prospective customers of the health status by health age by using the health status information providing device. The present invention relates to a method of inducing insurance, which emphasizes the need for insurance.

Description

Apparatus for offering health condition information and method for guiding entry of insurance using health condition information offer apparatus}

The present invention relates to a health state information providing apparatus and insurance induction method using the same, and more specifically, to inform the health state by the age of health, various diseases (for example, cardiovascular disease, myocardial infarction, stroke, lung cancer, laryngeal cancer, Induces insurance by providing health status information device that provides the risk of occurrence (hereafter referred to as health risk) and health score for liver cancer, stomach cancer and breast cancer) and the health status information providing device. It is about how to.

As the public's interest in health increases, insurance is being proposed as a measure to prevent deterioration and the occurrence of diseases. Insurers have developed a variety of insurance products and recommend them to the prospective customers (ie, uninsured customers, third-party insurance customers, etc.) by explaining the necessity of insurance and the advantages of their own insurance.

However, these insurers (strictly speaking, insurers belonging to insurers) are generally encouraging prospective customers to insure by solicitation through acquaintances or in-laws. Such insurance business method is limited to the insurance target, and there is a limit that can not accurately appeal the need of insurance to prospective customers. Therefore, there is a need for a new sales method to increase the understanding of insurance to prospective customers to induce their insurance.

The present invention has been made to solve the above-mentioned conventional problems, a health state information providing apparatus for providing a health state by health age, health risks and health scores for various diseases, and the health state information providing apparatus By informing the prospective customers of the health status by the age of health, the need for insurance is emphasized. Also, the insurance customers are informed that the health risk and health score for various diseases are provided. Its purpose is to provide a method of inducing insurance underwriting.

The health state information providing apparatus according to the present invention for achieving the above object is a health age for receiving medical information for calculating the health age of the examination subjects who want to check the health state by health age to store / manage in the health age information database Paperweight information input unit; The result of the questionnaire is calculated by mapping the received questionnaire information of the screening subject to a preset default value for each questionnaire item, and calculating the change in age by exponentially calculating the calculated questionnaire result value, and then examining the corresponding change in age. A health age calculation unit for calculating a health age by adding to the actual age of the subject; And a health age result output unit configured to output health state result information based on the calculated health age.

On the other hand, the insurance induction method using the health status information providing apparatus according to the present invention for achieving the above object is (a) the health age information providing apparatus health age to the terminal of the insurance planner through the communication network at the request of the insurance planner Downloading a program for checking a health condition by; (b) displaying a questionnaire information input screen in order to receive the questionnaire information for calculating the health age on the insurance company's terminal when the health insurance is requested by the insurance agent for the health status of the prospective customers; (c) Based on the questionnaire information input screen, the questionnaire information of the prospective customers entered by the insurance agent is mapped to the default value for each questionnaire item to calculate the questionnaire result value, and the questionnaire result value to the health age calculation function. Deriving a change amount converted into an age by an index operation process, and then calculating the health age by adding the change amount of the age to the actual age of the insurance target customer; And (d) the health status of the prospective customer on the basis of the health age calculated in step (c) on the policyholder's terminal so that the insurance agent can inform the prospective customer of the health status of the client. Outputting the information.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of a health state information providing apparatus and an insurance induction method using the same according to the present invention will be described.

1 is a functional block diagram of a health state information providing apparatus according to the present invention, referring to FIG. 1, the health state information providing apparatus 100 according to the present invention includes a database unit 110 and a health age questionnaire information input unit ( 120), health age calculation unit 130, health age result output unit 140, health risk basic diagnosis information input unit 150, health risk deriving unit 160 and health risk result providing unit 170 do. Here, the database unit 110 includes a health age information DB 111 and a health risk information DB 112.

Health age information DB (111) stores basic information of the examination subjects who want to check the health status by the health age, medical information input for calculating the health age for each examination subject and health age result information for each examination subject. .

2A is an exemplary diagram of the health age information DB 111 according to the present invention. Referring to FIG. 2A, the health age information DB 111 may include a basic information field 1111, a questionnaire information field 1112, and the like. The health age result information field 1113 is included. At this time, in the basic information field 1111, for example, a name, a resident registration number, and the like are recorded as basic information of the examination subjects. In the questionnaire information field 1112, as the questionnaire information input for calculating the health age of the examinees, for example, drinking information, smoking information, physical condition information (eg, height, weight, systolic blood pressure, etc.), current health Status information, eating habits information (e.g., diet, vegetable intake, exercise amount) and the like are recorded. In addition, in the health age result information field 1113, risk factors (for example, smoking factors, hypertension factors, drinking factors, eating factors, and exercise factors) affecting the health age and the health age of each examination subject are recorded.

Health risk information DB 112 is a basic information of the screening subjects to check the health status for various diseases (eg, cardiovascular disease, myocardial infarction, stroke, lung cancer, laryngeal cancer, liver cancer, stomach cancer, breast cancer) and to each screening subject For the purpose of evaluating the health risk for each disease (or the risk of occurrence of each disease), the information about the questionnaire and blood collected and the health risk result information for each test subject are stored.

2B is an exemplary diagram of the health risk information DB 112 according to the present invention. Referring to FIG. 2B, the health risk information DB 112 includes a basic information field 1121 and a questionnaire information field 1122. And a blood collection information field 1123 and a health risk result information field 1124 for each disease. In this case, the basic information field 1121 records information such as a name, a resident registration number, a contact number (for example, a phone number, a home address, a work address, an e-mail address), and the like for each examination target person. And, in the questionnaire information field 1122, as the questionnaire information inputted to evaluate health risks of each disease for each screening subject, physical condition, family history / past history, eating habits, drinking / smoking, nicotine dependence, smoking cessation, and lifestyle Information such as stress, quality of life, and women's information is recorded in detail. In addition, in the blood collection information field 1123, information such as cholesterol, blood sugar, triglycerides, hepatitis antigens, hepatitis antibodies, and liver function values for each examination subject is recorded. Finally, in the health risk result information field 1124 for each disease, information on the health risk for each disease and the factors influencing the health risk for each disease and the health score are evaluated.

Health age questionnaire information input unit 120 receives the questionnaire information for the screening subjects who want to check the health status by health age and stores / manages it in the health age information DB (111).

The health age calculator 130 calculates the questionnaire result value by mapping the questionnaire information of the examinee subject input through the health age questionnaire information input unit 120 to a default value for each questionnaire item. Here, the process of calculating the questionnaire result value for the predetermined examination subject will be described.

3A is an exemplary diagram of a default value for each questionnaire item for calculating the health age provided by the apparatus 100 for providing health status information according to the present invention. Referring to FIG. 3A, a default value for each questionnaire item is set in advance. It can be seen that. In this case, the default value of each questionnaire item is a figure calculated from mortality statistics derived for each questionnaire item by long-term follow-up / study of a plurality of general people (especially Koreans).

In order to calculate the questionnaire result value of a predetermined test subject with reference to FIG. 3A, for example, the actual test subject information is' 40 ', the current age is smoking, the systolic blood pressure is 160 mmHg, and the alcohol concentration is' Assuming that there is a disease of over 100 'and the current health condition is' 1 ', the selection value of the questionnaire item mapped to each questionnaire information is' 1 'and the selection value of the questionnaire item not mapped to the questionnaire information is' In the case of 0 ', the paperweight result is calculated by multiplying a default value and a selection value for each paperweight item, and then adding a constant (e.g., -3.5432) to the totally calculated result (e.g., 1.7282). That is, the patient's checkup result value p is '-1.815'.

When the questionnaire result value (p) of the examinee is calculated through the above-described process, the health age calculator 130 calculates the change amount converted into age by exponentially calculating the questionnaire result value (p) by the health age calculation function ( Or variation value (hereinafter referred to as age variation). At this time, the health age calculation function is as defined in Equation 1 below.

Herein, if the questionnaire result value p is '-1.815', the age variation derived by the health age calculation function P defined in Equation 1 is '1.75044'.

Thereafter, the health age calculation unit 130 calculates the health age (eg, 41.75044) by adding the derived age variation (eg, 1.75044) to the actual age (eg, 40) of the subject, and calculates the calculated age of the subject. Health age is stored / managed in the health age information DB (111).

Health age result output unit 140 is the risk factors affecting the health age and health age of the subjects calculated through the health age calculation unit 130 (eg smoking factors, hypertension factors, drinking factors, eating factors) Outputs

On the other hand, if a certain health age risk factors (eg, smoking factors) among the health age risk factors outputted through the health age result output unit 140 are improved (for example, when the current smoking state is changed to a smoking state), The health age calculating unit 130 recalculates the health age of the corresponding examination subject by reflecting the questionnaire information on the changed risk factors for health age. For example, assuming that the health age of the current subject being smoked is '41 .75044 ', when the target person quits smoking, the health age of the subject based on FIG. 3A becomes '41 .30041'. Here, it can be seen that by improving the risk factors (eg, smoking factors) affecting the health age of the examinee, the health age of the examinee is lowered.

Health risk basic diagnosis information input unit 150 is to check the health risk by the age of health and to evaluate the health risks for various diseases of the screening subjects (hereinafter referred to as member screening subjects), each member, Receives the questionnaire information and blood collection information of the test subjects are stored / managed in the health risk information DB (112). On the other hand, the health risk basic diagnosis information input unit 150 obtains the questionnaire information input when calculating the health age of the member screening subjects based on the health age information DB 111 only for the member screening health risk information DB (120) It can also be stored / managed in.

The health risk deriving unit 160 maps the questionnaire information and blood collection information of the member screening subjects inputted through the health risk basic diagnosis information input unit 150 to the default values of basic diagnosis items for each disease, and thereby provides basic diagnosis result values for each disease. To calculate. Here, the basic diagnosis information including the questionnaire information and the blood collection information is called, and the items included in the basic diagnosis information are called the basic diagnosis items. On the other hand, the default value of basic diagnosis items for each disease is set differently for each disease for the same basic diagnosis items. For example, assuming that the basic diagnosis items for smoking information are the current smoking items, the current smoking items, the current smoking cigarette types items, the nicotine content items of the current smoking cigarettes, the current smoking tobacco number items, and the like, stomach cancer and diseases In calculating the health risk of human lung cancer, the application range and index of each basic diagnosis item are applied differently.

Here, the process of calculating the basic diagnosis result value for each disease for a predetermined member medical examination will be described. FIG. 3B is an exemplary diagram of basic diagnosis item default values for diseases (eg, breast cancer) for evaluating health risk for each disease provided by the apparatus 100 for providing health state information according to the present invention. Referring to FIG. 3B, FIG. It can be seen that the default value for each basic diagnosis item is set in advance. The basic value of the basic diagnosis items for breast cancer is the statistical value derived for each basic diagnosis item by long-term follow-up / study of a large number of ordinary people (especially Koreans).

In order to calculate the result of the basic diagnosis of breast cancer of a predetermined member of the subject, referring to FIG. 3B, the basic diagnosis information of the member of the member, for example, is between 40 and 49 years old. Blood pressure is between 120≤140, prefers vegetables, is healthy, does not exercise, and menarche age is between 11 and 12 years old, does not breastfeed, does not drink coffee, If there is a cancer family and the first child's birth age is '25 years old ', the selection value of basic diagnosis items mapped to each basic diagnosis information is' 1' (except BMI (Body Mass Index) Index), the selection value of the basic diagnosis item is '23'), and if the selection value of the basic diagnosis item that is not mapped to the basic diagnosis information is '0', the breast cancer basic diagnosis result value is each basic diagnosis item. Multiply the default and selection for, then add up It is calculated by adding a constant (e.g. -5.37641) to the calculated result (e.g. -0.1861). That is, the breast cancer basic diagnosis result value (h) is '-5.56251'.

Similarly, the health risk deriving unit 160 calculates the basic diagnosis result for each disease by repeatedly performing the above-described process for each disease.

Thereafter, the health risk deriving unit 160 derives the health risk for each disease by performing an index operation on the basic diagnosis result for each disease by the health risk calculation function. At this time, the health risk calculation function is as defined in Equation 2 below.

Where h is the basic diagnosis result of each disease. In this case, if the breast cancer basic diagnosis result value (h) is '-5.56251', the health risk for breast cancer is derived as '0.076489' by the health risk calculation function (H) defined in Equation 2. Here, the breast cancer health risk of '0.076489' represents the incidence of breast cancer of the member screening subject.

In addition, the health risk deriving unit 160 stores / manages the health risk derived for each disease of the member screening subject in the health risk information DB 112.

Meanwhile, the health risk deriving unit 160 maps the questionnaire information and blood collection information of the member screening target to the default health score for each basic diagnosis item, and calculates an initial diagnosis result of the health score, and calculates the initial health score. The health score of the member subjects can be derived by indexing the value by the health risk calculation function. Here, the default health score for each basic diagnosis item used for calculating the health score is set differently from the default for the basic diagnosis item for each disease.

The health risk result providing unit 170 derives the health status result information of the corresponding member screening subjects based on the health risks of the member screening subjects and the health scores derived through the health risk deriving unit 160, and checks the member health examination results. Notify the subject. That is, the health risk result providing unit 170 compares the health score of the member screening subject to a predetermined health classification reference value (for example, 70 points) and compares the health status of the member screening subject (eg, the health score). A health score of 70 or more indicates that you belong to a health group, and a health score of 70 or less indicates you are a high risk group. The current health risk for the disease, the optimal health status for the disease, etc.) are notified to the member screening subject. Here, for example, e-mail, DM sending, etc. may be used as a method of notifying the health status result information.

4 is a flowchart illustrating an operation process of the apparatus 100 for providing health state information according to the present invention. Referring to FIG. 4, the apparatus 100 for providing health status information according to the present invention first inputs questionnaire information for calculating a health age of a corresponding examination subject to a examination subject who wants to check a health condition by a health age ( s10), the questionnaire result value is calculated by mapping the input questionnaire information to a preset default value for each questionnaire item (s11).

Then, an age change is derived by exponentially calculating the questionnaire result value calculated in step s11 (s12), and the health age is calculated by adding the derived age change to the actual age of the screening subject (s13).

Subsequently, the apparatus 100 for providing health state information according to the present invention outputs a checkup result of the corresponding examination subject based on the calculated age of health (s14).

In addition, the health state information providing apparatus 100 according to the present invention, if the questionnaire information and blood collection information of a predetermined screening target for evaluating the health risk (ie, the risk of occurrence of each disease) for each disease is input (s15), The results of the basic diagnosis for each disease are calculated by mapping the questionnaire information and blood collection information to the default values of basic diagnosis items for each disease (s16).

After deriving the health risk value of each disease by exponentially calculating the basic diagnosis result value of each disease calculated in step s16 (s17), the subjects of the examination are notified of the health risk evaluation result of each disease (s18).

On the other hand, after step s15, the health state information providing apparatus 100 according to the present invention maps the questionnaire information and blood collection information of the subject to the default health score for each basic diagnosis item to calculate the initial score of the health score In addition, a process of deriving the health score may be inserted by performing an exponential operation on the calculated health score initial diagnosis result value.

5 is a schematic process flowchart of the insurance induction method using the health state information providing apparatus 100 according to the present invention.

First, the health state information providing apparatus 100 according to the present invention is a terminal (eg, notebook, PC) of the insurance planners at the request of the insurance companies 200 belonging to the insurance company associated with the health state information providing apparatus 100. Download the program (hereinafter referred to as health age screening program) that checks the health status by health age in advance (s101) (s101). Here, the health age screening program provided by the health state information providing apparatus 100 includes the health age questionnaire information input unit 120, the health age calculator 130, the health age result output unit 140, and health shown in FIG. 1. It consists of the age information DB (111).

In addition, the insurance agent 200 visits the prospective customer 300 for insurance in order to induce the insurance (S102). At this time, the insurance planner 200 induces the insurance of the customer 300 by checking the health status by the health age of the insurance potential customer 300 rather than direct description to the insurance potential customer 300.

The insurance agent 200 acquires basic information (eg, name and social security number) of the prospective customer 300 to be subscribed to (s103), and runs a health age screening program installed on its terminal to provide the basic information of the corresponding customer 300. Input the information (s104).

Then, the insurance agent 200 is based on the questionnaire information input screen displayed on its terminal screen (ie, FIG. 6A) as the basic information of the prospective customer 300 to be subscribed to the insurance prospective customer 300 Enter the questionnaire information for step (s105). Here, the paperweight information input screen may be provided in various forms.

Subsequently, the insurance agent 200 provides the questionnaire result (FIG. 6B and FIG. 6C) provided by completing the questionnaire information of the prospective customer 300 to be subscribed to the corresponding prospective customer 300 and provides the questionnaire result. It explains (s106, s107). At this time, the insurance planner 200 may show the change in health age to the prospective customer 300 by changing the state of the risk factors affecting the health age of the prospective customer 300. 6B and 6C are result screens according to the questionnaire of the prospective customer 300, and in particular, FIG. 6B is an exemplary view of the health age result screen, and FIG. 6C is a risk factor affecting the health age. (Eg, smoking, high blood pressure, drinking, eating habits, exercise, etc.) and an example of a screen showing changes in health age according to changes in risk factors for each health age. On the other hand, the process of deriving the result of the questionnaire (that is, health age) based on the predetermined questionnaire information by the health age examination program installed in the terminal of the insurance agent 200, the health of the health state information providing apparatus 100 with reference to FIG. Since it is already mentioned when the operation of the age questionnaire information input unit 120, the health age calculator 130, and the health age result output unit 140 has been already described, it will be omitted.

Subsequently, when the insurance potential customer 300 applies for insurance (s108), the insurance agent 200 processes the insurance for the insurance potential customer 300 (s109), and the insurance potential customer ( The health status information providing apparatus 100 is notified of the result of the insurance of 300 (s110). Here, the insurance agent 200 is a health risk of the customer (ie, disease) to the insurance potential customer 300 for various diseases (eg, cardiovascular disease, myocardial infarction, stroke, lung cancer, laryngeal cancer, liver cancer, stomach cancer, breast cancer, etc.) The risk of occurrence) to notify the health status information providing apparatus 100 whether the insurance coverage prospective customer 300 is insured.

Subsequently, the health state information providing apparatus 100 according to the present invention receives the basic information (eg, name and resident registration number) of the insured prospective customer 300 insured from the insurance agent 200, the corresponding insured prospective customer. (300) (hereinafter referred to as insurance customers) obtains the questionnaire information and blood collection information (s111). That is, the health state information providing apparatus 100 according to the present invention sends a nurse to the insurance customer 300 separately to collect the questionnaire data and blood collection data of the customer 300, and the corresponding customer ( It receives the questionnaire information and blood collection information for 300). At this time, the health state information providing apparatus 100 according to the present invention receives the questionnaire information and blood collection information for the insurance customer 300 through the basic diagnosis information input screen as shown in FIG.

Finally, the health state information providing apparatus 100 according to the present invention derives / stores the health risk for each disease of the corresponding customer 300 through a predetermined calculation process with the questionnaire information and blood collection information of the insurance customer 300 (S112), and informs the insurance customer 300 of the result (s113). Here, detailed descriptions of the steps s112 and s113 are described in the operation of the health risk deriving unit 160 and the health risk result providing unit 170 of the health state information providing apparatus 100 according to the present invention with reference to FIG. 1. Omitted since already mentioned.

The above description is merely an example of an embodiment, and the present invention is not limited to the above-described embodiment and can be variously changed within the scope of the appended claims. For example, the shape and structure of each component specifically shown in the embodiment of the present invention can be modified.

According to the present invention, there is an effect that can inform the health status through the health age and also inform the risk factors affecting the health age can inspire people the importance of health care for life expectancy, life extension.

In addition, it is effective to prevent the disease in advance by telling the health risk for each disease.

In addition, it informs the prospective customers of the health status through the health age of the customer and increases the understanding of the need of insurance by informing the insurance customers that the service is provided to provide the health risk for each disease for the customer. This can have the advantage of making insurance more effective.

1 is a functional block diagram of an apparatus for providing health state information according to the present invention;

2a and 2b is an exemplary view of a database managed in the health state information providing apparatus according to the present invention,

Figure 3a is an illustration of the default value for each questionnaire for calculating the health age provided by the health state information providing apparatus according to the present invention,

Figure 3b is an illustration of the basic diagnosis item default value for each disease provided by the apparatus for providing health state information according to the present invention,

4 is a flowchart illustrating the operation of the health state information providing apparatus according to the present invention;

5 is a schematic flowchart of an insurance induction method using the health state information providing apparatus according to the present invention;

6A to 6D are exemplary views of screens provided by the apparatus for providing health state information according to the present invention.

♣ Explanation of symbols for the main parts of the drawing ♣

100: health state information providing device 110: database unit

111: Health age information DB 112: Health risk information DB

120: health age questionnaire information input unit 130: health age calculation unit

140: health age result output unit 150: health risk basic diagnosis information input unit

160: health risk derivation unit 170: health risk result providing unit

Claims (10)

Health age questionnaire information input unit for receiving the questionnaire information for calculating the health age of the examination target subjects to check the health status by health age in a health age information database; The result of the questionnaire is calculated by mapping the received questionnaire information of the screening subject to a preset default value for each questionnaire item, and calculating the change in age by exponentially calculating the calculated questionnaire result value, and then examining the corresponding change in age. A health age calculation unit for calculating a health age by adding to the actual age of the subject; And And a health age result output unit configured to output health state result information based on the calculated health age. According to claim 1, wherein the questionnaire information for calculating the health age Health status information providing apparatus, characterized in that the drinking information, smoking information, physical condition information, current health status information and lifestyle information are included in the plurality. The method of claim 1, Age variation is derived by the health age calculation function, The health age calculation function (P) is And p is a check result value of the examination subject. The method of claim 3, wherein the health age calculation unit Based on the health status result information output through the health age result output unit, if predetermined questionnaire information causing the change in health age is changed, the questionnaire result value is recalculated by reflecting the default value of the questionnaire item corresponding to the changed questionnaire information. Recalculating the age change by exponentially processing the recalculated questionnaire result value using the health age calculation function, and recalculating the health age by adding the re-derived age change to the actual age of the subject. Health status information providing device. The method of claim 1, In order to evaluate the health risks of each of the subjects who are examined by the age of health and enrolled as members, the health risks that receive the questionnaire information and blood collection information of the relevant member checkups are stored and managed in the health risk information database. Basic diagnostic information input unit; The result of basic diagnosis for each disease is calculated by mapping the received medical examination information and blood collection information of the basic diagnosis items for each disease, and the basic diagnosis result for each disease is calculated by exponential calculation. Health risk derivation unit for deriving health risks for each disease of the subject, And a health risk result providing unit for notifying the corresponding member checkup subjects of the health state result information based on the health risks for each disease derived. The method of claim 5, Health risk for each disease is derived by the health risk calculation function, The health risk calculation function (H) is H is a basic diagnosis result value for each disease. The method of claim 6, wherein the health risk derivation unit The result of the initial diagnosis of the health score is calculated by mapping the received medical examination information and the blood collection information of the basic diagnosis item to the default value of the health score for each basic diagnosis item, and the calculated health score initial diagnosis result is calculated by the health risk calculation function. Health status information providing device, characterized in that to derive the health score of the member examination subject by index calculation processing. The method of claim 5 or 7, wherein the health risk result provider Health status information providing apparatus, characterized in that to notify the health status of the member screening subject based on the health score of the member screening target and the disease-specific health risk derived by the health risk derivation unit. (a) downloading, by the health condition information providing apparatus, a program for checking a health condition due to health age through a communication network to a terminal of the corresponding insurance agent at the request of the insurance agent; (b) displaying a questionnaire information input screen in order to receive the questionnaire information for calculating the health age on the insurance company's terminal when the health insurance is requested by the insurance agent for the health status of the prospective customers; (c) Based on the questionnaire information input screen, the questionnaire information of the prospective customers entered by the insurance agent is mapped to the default value for each questionnaire item to calculate the questionnaire result value, and the questionnaire result value to the health age calculation function. Deriving a change amount converted into an age by an index operation process, and then calculating the health age by adding the change amount of the age to the actual age of the insurance target customer; And (d) The health status result information of the prospective prospective client on the basis of the health age calculated in step (c) on the policyholder's terminal so that the insurer may inform the prospective client of the prospective client's health status. Insurance induction method using a health state information providing device, characterized in that comprising the step of outputting. The method of claim 9, (e) If the health condition information providing device receives the information of the insured customer from the insurance agent through the communication network, a questionnaire for the insured customer is assessed to evaluate the health risk of at least one disease of the insured customer. Obtaining information and blood collection information, (f) The results of the initial diagnosis of the health score are calculated by mapping the questionnaire information and the blood collection information obtained in step (e) to the default value of the health score for each basic diagnosis item, and the health risk calculation is calculated from the calculated initial score of the health score. Deriving the health score of the insured client by exponentially calculating the function; (g) The results of basic diagnosis for each disease are calculated by mapping the questionnaire information and blood collection information obtained in step (e) to the default values of basic diagnosis items for each disease, and the basic diagnosis results for each disease are calculated. Deriving health risk for each disease by exponentially processing by risk calculation function, (h) The method of inducing insurance using the health status information providing apparatus, further comprising the step of informing the insured customer of the health status result information based on the derived health score and health risk for each disease. .