KR20150049993A - Method and apparatus for providing customized insurance information - Google Patents

Abstract

A method for providing customized insurance information according to an embodiment of the present invention consists of a step for an insurance information provision device to receive health information from a health information provision device; a step to predict more than one disease type for the patient likely to suffer in the future; a step to make an insurance protection analysis on insurance products for which the customer signed up; and a step to recommend additional insurance products which can complement current protection based on the analysis results.

Description

METHOD AND APPARATUS FOR PROVIDING CUSTOMIZED INSURANCE INFORMATION

The present disclosure relates to a method and apparatus for providing personalized insurance information.

Insurance is a system to make a certain amount of money in advance for possible future accidents or illnesses, and to pay a fixed amount when the agreed conditions are satisfied. A typical example of insurance is health insurance.

Health insurance covers the cost of medical treatment or the reduction of income if the insured person is disadvantaged by medical treatment or has a decrease in income due to human biological accident such as injury, illness, pregnancy, childbirth or death. Insurance, and other insurance. Therefore, injury, illness and health insurance as general insurance as well as social insurance are included in this concept.

On the other hand, the type of disease and probability of onset vary according to various factors such as health condition, constitution, lifestyle, and so on. Nonetheless, because you are only enrolled in health insurance according to gender, age, and occupation, you may be required to pay a high premium for diseases that are relatively unlikely to be taken, or you may not be prepared for the necessary diseases.

To solve these problems, it is required to provide a customized insurance product based on a personalized guarantee analysis considering the health state characteristic of an individual and a system therefor.

If it is possible to accurately calculate the total amount of insurance benefits that can be paid from the insurance that you are entitled to at a certain point in the future at the time of occurrence of a specific disease or payment item with a high probability of being taken by yourself, The insurance coverage can be strengthened by inserting a new insurance policy according to the result of the determination.

Accordingly, one embodiment of the present disclosure is intended to provide a personalized insurance product considering the health of an individual.

To this end, according to a first aspect of the present invention, a personalized insurance information providing apparatus according to the present invention includes a data transmitting / receiving unit receiving health information of a customer from an external device, Estimating at least one relative risk disease requiring a guarantee using the health information of the customer and the database unit and providing recommended product information using the information on the estimated relative risk disease and the insurance product information of the customer And a control unit. Wherein the control unit obtains a disease corresponding to a predetermined risk of a future onset as the relative risk disease using the insurance product information of the customer and provides the insurance product information The information on the product corresponding to the vulnerable disease is provided as recommended product information.

According to a second aspect of the present invention, there is provided a personalized insurance information providing method of an insurance information providing apparatus, comprising: receiving health information from a health information providing apparatus; The method of claim 1, further comprising: estimating at least one of the at least one relative risk disease, the at least one relative risk disease, And providing recommended product information. Wherein the step of performing the guarantee analysis comprises the steps of: calculating a guarantee asset guaranteed by the affiliated insurance product when the disease risk is assumed to have occurred for a relative risk disease for which the onset risk corresponds to a predetermined condition; And selecting a disease with less guarantee assets based on the insurance product information as a guaranteed vulnerable disease than a preset reference compensation value.

According to one embodiment of the present invention, it is possible to provide a personalized insurance service through objective underwriting based on a result of a health examination of a customer.

For insurers, marketing can be conducted for customers who are highly aware of health insurance, which makes sales easier.

From the standpoint of the customer, it is possible to make a reasonable consumption because it recommends the customized insurance product considering the health condition of the individual.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is an exemplary diagram for explaining a configuration of an insurance information system according to an embodiment of the present invention; FIG.
2 is an exemplary diagram illustrating the configuration of an insurance information device according to an embodiment of the present invention.
3 is a flowchart of an insurance information providing process of an insurance information device according to an embodiment of the present invention.
4 is an exemplary view showing an example of a result of a health examination analysis according to an embodiment of the present invention.
FIG. 5 is an exemplary view illustrating an example of a guarantee analysis result for a relative risk disease according to an embodiment of the present invention.
FIG. 6 is an exemplary view showing another example of the guarantee analysis result for the relative risk disease according to the embodiment of the present invention. FIG.

It is noted that the technical terms used herein are used only to describe specific embodiments and are not intended to limit the invention. It is also to be understood that the technical terms used herein are to be interpreted in a sense generally understood by a person skilled in the art to which the present invention belongs, Should not be construed to mean, or be interpreted in an excessively reduced sense. Further, when a technical term used herein is an erroneous technical term that does not accurately express the spirit of the present invention, it should be understood that technical terms that can be understood by a person skilled in the art are replaced. In addition, the general terms used in the present invention should be interpreted according to a predefined or prior context, and should not be construed as being excessively reduced.

Also, the singular forms "as used herein include plural referents unless the context clearly dictates otherwise. In the present application, the term "comprising" or "comprising" or the like should not be construed as necessarily including the various elements or steps described in the specification, Or may be further comprised of additional components or steps.

Further, the suffix "module" and "part" for components used in the present specification are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

Furthermore, terms including ordinals such as first, second, etc. used in this specification can be used to describe various elements, but the elements should not be limited by the terms. The terms are used only for the purpose of distinguishing one component from another. For example, without departing from the scope of the present invention, the first component may be referred to as a second component, and similarly, the second component may also be referred to as a first component.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings, wherein like reference numerals refer to like or similar elements throughout the several views, and redundant description thereof will be omitted.

In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail. It is to be noted that the accompanying drawings are only for the purpose of facilitating understanding of the present invention, and should not be construed as limiting the scope of the present invention with reference to the accompanying drawings.

BRIEF DESCRIPTION OF DRAWINGS FIG. 1 is an exemplary diagram for explaining a configuration of an insurance information system according to an embodiment of the present invention; FIG.

Referring to FIG. 1, an insurance information system according to an embodiment of the present invention may include a health information providing apparatus 100 and an insurance information providing apparatus 200. The insurance information system may further include the terminal 300.

The health information providing apparatus 100 is a device for providing health information installed in a medical institution. The health information providing apparatus 100 provides health check diagnosis information of the customer who has performed the health check. The health checkup diagnosis information is information for confirming the current health status of the customer and may include any one or more of the diagnosis of the medical staff or the result of the examination according to one or more examination items.

The insurance information providing apparatus 200 stores the insurance information for the guarantee items of the customer, analyzes the guarantee of the insurance product according to the request, and provides the recommended financial product information about the fragile portion. More specifically, the insurance information providing apparatus 200 analyzes the health information acquired from the health information providing apparatus 100 to predict a probability (hereinafter referred to as a future disease probability) for a disease that the customer may take in the future, And performs assurance analysis on the above-mentioned insurance products centered on this high future disease. The insurance information providing apparatus 200 can recommend the product to the portion where the guarantee is weak according to the result of the guarantee analysis.

The terminal 300 refers to a terminal having a browser for communicating with the insurance information providing apparatus 200 through a communication network, a memory for storing programs and protocols, and a microprocessor for executing and controlling various programs . The terminal 300 is a broad concept including all communication computing devices such as a mobile communication terminal capable of communicating with the insurance information providing apparatus 200, a PDA, a smart phone, and a tablet PC.

The terminal 300 can access the insurance information providing apparatus 200 through a web server (not shown). A customer accesses a web server through a web browser of a customer terminal, and then can input necessary information, request information, and confirm information through a web interface.

If an application server is used instead of a web server, a separate protocol may be used instead of the web protocol. It is possible to connect to the application server through a separate application installed in the terminal, and then to input required information, request information, and confirm information through the interface provided by the application and the application server.

The web server mediates communication between the terminal and the insurance information providing apparatus 200. The user can input information or transmit a request message through the interface provided by the web server, and the insurance information providing apparatus 200 can receive the information and / or the request message transmitted by the terminal through the web server.

In a variation, the web server may be implemented substantially to be included in the insurance information device.

A concrete operation method of the insurance information system of FIG. 1 will be described later with reference to FIG. 2 to FIG.

2 is an exemplary diagram illustrating the configuration of an insurance information device according to an embodiment of the present invention.

Referring to FIG. 2, the insurance information providing apparatus 200 according to an embodiment of the present invention may include a data transmission / reception unit 210, a control unit 220, and a database unit 230. In another modification, the database unit 230 may be separately configured.

The data transmission / reception unit 210 transmits / receives data to / from an external device. In particular, the data transmission / reception unit 210 receives information (hereinafter referred to as health information) that can confirm the current health status of the customer from the health information providing apparatus 100 and transmits the received information to the control unit 220. Here, the health information may include any one or more of the results of the health examination and the questionnaire. The questionnaire is prepared by the subject prior to the health checkup. The written questionnaire is used to check the patient 's usual lifestyle, past medical history, etc.

The control unit 220 controls the operation of the insurance information providing apparatus 200 as a whole. More specifically, the control unit 220 stores the health information of the customer received by the data transmitting and receiving unit 210 in the database unit 230, and analyzes the guarantee of the insurance product to which the customer subscribes based on the health information , And recommends any insurance product other than the insured products in accordance with the analysis result.

The control unit 220 may include a health information analysis module 222, a subscription insurance analysis module 224, and a product recommendation module 226.

The health information analysis module 222 acquires the disease corresponding to the predetermined risk of the onset of the disease that the customer may take in the future as a relative risk disease based on the health information of the customer. In order to acquire the relative risk disease, the health information analysis module 222 finds a disease associated with the disease of the customer, analyzes the health information of the customer, and determines the relative risk disease Disease name, probability of onset, etc. can be predicted. The predetermined condition may be a probability of cumulative onset at a preset time, for example, five years or more, which is a preset value or more. In some cases, it is possible to set two or more predetermined time points so that the sum of the occurrence probabilities of the different diseases is equal to or greater than a predetermined value.

The subscription insurance analysis module 224 performs the guarantee analysis on the relative risk disease having a high probability of being taken by the agreement of the insurance of the subscribed insurance of the customer who is not the information about the predicted relative risk disease. Assurance analysis refers to the comprehensive analysis of insurance coverage by analyzing the insured 's insurance to see if there are no duplicated guarantees or guarantees for the necessary items.

The commodity recommendation module 226 inquires of the commodity information database about the commodity for guaranteeing the insecure item based on the guarantee analysis result by the subscription insurance analysis module 224 and provides the commodity information. Product information includes insurance information including product name, warranty details, and insurance premiums.

The database unit 230 may store information received by the communication unit 210 and information and program codes necessary for operation of the other insurance information providing apparatus 200. [ The database unit 230 may include various analysis programs and a product information database.

All of the above-described components are not necessarily required, and some of them may be omitted.

The specific operation of each component of Fig. 2 will be described later with reference to Figs. 3 to 5. Fig.

3 is a flowchart of an insurance information providing process of the insurance information providing apparatus 200 according to an embodiment of the present invention.

First, the insurance information providing apparatus 200 receives customer health information from an external apparatus such as a health information providing apparatus 100 (FIG. 1) (S10). The received health information is stored in association with the customer identification information in the database unit.

The insurance information providing apparatus 200 predicts the relative risk disease using the received health information (S20). Relative risk disease refers to a disease in which the risk of the customer is set in advance based on the health information of the customer in the future. For example, diseases with high relative risks are described with reference to Table 1 below.

Table 1 is random customer health checkup data for diabetes items.

normal Pre-diabetic stage diabetes Number per hunger 99 or less 100 to 125 126 or more Glycosylated hemoglobin 5.6 or less 5.7 ~ 6.4 6.5 or higher

It is assumed that the pre-stored disease probability prediction data includes the following items.

1) The prevalence of cardiovascular disease at pre-diabetes stage is higher than that of healthy people by 30%.

2) The risk of developing ischemic heart disease in the pre-diabetes stage is 17-30% higher than in healthy people. If you get diabetes, this chance increases to 95%

3) 40% if not controlled by a pre-diabetic person. Diagnosis of diabetes after 4 years.

Referring to Table 1 and the disease probability prediction data, if the current number of customers included in the customer's health information is 115, and the standard of the sugar value diagnosed as diabetes is 126, the customer is not presently diabetes, Compared to healthy average adults, cardiovascular disease, ischemic heart disease and diabetes can be predicted as relative risk disease when customers do not keep health care for diabetes prevention steadily.

For convenience of description, the data is simplified and presented, but it is not limited to this, and various statistical analysis data analyzing the disease-related linkage information can be stored and utilized in advance. In some cases, as illustrated in FIG. 4, the health information analysis result may be provided by estimating the probability of taking a relative risk disease for each item according to age.

In step S30, a guarantee analysis is performed on the customer's insurance in consideration of the health information analysis result.

For assurance analysis, it is necessary to identify a guaranteed asset that is assured when the disease is assumed to have occurred at an arbitrary point in the future with respect to the relative risk disease for which the assurance is required, And a disease with low insurance assets based on the insurance product information is selected as a vulnerable disease. For example, a guarantee amount guaranteed in case of a relative risk disease included in the health information analysis result. As shown in FIG. 5, the results of the guarantee analysis can be provided as tables or graphs so that the degree of guarantee for each relative risk disease can be easily understood at a glance.

The recommended insurance product is recommended considering the result of the insurance coverage analysis (S40). And stores the retrieved product information as recommended product information by inquiring the stored product information for guaranteeing the selected guarantee vulnerable disease.

For example, assuming that the customer has a health information analysis result as shown in FIG. 4 and has the guarantee analysis results as shown in FIG. 5 and FIG. 6 for the relative risk diseases A, B and C with high probability of invention, It is possible to select the B disease and the C disease which are low in guarantee assets by disease as vulnerable diseases. When a vulnerable disease is selected, it is recommended to inquire products that can guarantee the selected disease, B and C diseases. Here, the standard model means a product model in which a predetermined reference compensation value is defined.

The product recommendation may recommend a new insurance product or recommend an exemption from the insurance product you have. Or if the insurance product of the customer can guarantee the B disease and the C disease, which are guaranteed vulnerable diseases, as special treatments, the special agreement can be recommended when the special insurance is possible.

In some cases, it may be advisable to replace an existing insurance product with another one.

Not all illustrated steps are necessarily required, and some steps may be omitted.

The above-described method can be implemented by various means. For example, embodiments of the present invention may be implemented by hardware, firmware, software, or a combination thereof.

For a hardware implementation, the method according to embodiments of the present invention may be implemented in one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs) , Field programmable gate arrays (FPGAs), processors, controllers, microcontrollers, microprocessors, and the like.

In the case of an implementation by firmware or software, the method according to embodiments of the present invention may be implemented in the form of a module, a procedure or a function for performing the functions or operations described above. The software code can be stored in a memory unit and driven by the processor. The memory unit may be located inside or outside the processor, and may exchange data with the processor by various well-known means.

The embodiments disclosed herein have been described with reference to the accompanying drawings. Thus, the embodiments shown in the drawings are not to be construed as limiting, and those skilled in the art will understand that the present invention can be combined with each other, and when combined, some of the components may be omitted.

Here, terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary meanings, but should be construed as meaning and concept consistent with the technical idea disclosed in the present specification.

Therefore, the embodiments described in the present specification and the configurations shown in the drawings are only examples described in the present specification, and not all of the technical ideas disclosed in the present specification are described. Therefore, various modifications It is to be understood that equivalents and modifications are possible.

100: Health information providing device
200: Insurance information device
210: Data transmission /
220:
230:

Claims (8)

A data transmission / reception unit receiving health information of a customer from an external device;
A database unit for storing the affiliated insurance product information of the customer; And
A control unit for predicting one or more relative risk diseases requiring guarantee using the health information of the received customer and providing recommended product information using the information on the predicted relative risk disease and the insurance product information of the customer,
And a personalized insurance information providing device. 2. The method according to claim 1, wherein the controller obtains, as the relative risk disease, a disease corresponding to a predetermined risk of a future onset risk using the insurance product information of the customer, Extracts a guarantee vulnerable disease having a small amount of guarantee assets based on the insurance product information, and provides information on products corresponding to the vulnerable disease as recommended product information. The method according to claim 1,
Wherein the health information includes at least one of a health check result and a questionnaire prepared by a customer. [2] The apparatus of claim 1, wherein the controller predicts an onset probability based on the age of the customer for the relative risk disease. Receiving health information from the health information providing apparatus;
Predicting one or more relative risk diseases requiring assurance using the health information;
Performing a guarantee analysis on a customer's registered insurance product for the predicted at least one relative risk disease; And
Providing recommended product information that can compensate for a portion where the guarantee is weak based on the guarantee analysis result
And a personalized insurance information providing method of the insurance information providing apparatus. 6. The method of claim 5, wherein the step of predicting the relative risk disease comprises:
And estimating the relative risk disease using the health information and the pre-stored disease-related onset statistics data. 6. The method of claim 5,
Calculating a guarantee asset guaranteed by the affiliated insurance product when the disease risk is assumed to have occurred for a relative risk disease corresponding to a predetermined condition; And
A step of selecting, as a vulnerable disease, a disease in which the calculated assurance property is smaller than the predetermined reference compensation value,
And providing the insurance information to the insurance information provider. 8. The method as claimed in claim 7, wherein the step of providing recommended product information capable of supplementing a vulnerable part based on the guarantee analysis result comprises:
And providing the information of the commodity corresponding to the selected vulnerable disease as recommendation commodity information.

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