TWM573492U - Insurance and caring device - Google Patents

Abstract

An insurance care device includes a wear care mechanism, a remote server, an insurance judgment mechanism, and a disease analysis mechanism. The wear care mechanism is wearable by the caregiver and generates a reference information; the remote server can wirelessly receive the reference information generated by the wear care mechanism; the insurance judgment mechanism is connected to the remote server, The reference information is used to determine the physiological condition of the care recipient to determine whether the insurance or premium is adjusted; the disease analysis institution is connected to the remote server, and the reference information can be used to analyze the disease of the caregiver and notify the caregiver treatment. Thereby, the physiological condition of the care recipient can be tracked regularly or irregularly to determine the basis of the insurance or premium adjustment according to the physiological condition of the care recipient or the treatment status of the disease.

Description

Insurance device

The present invention relates to an insurance care device, and more particularly to an insurance care device that can adjust the basis of the underwriting or premium adjustment according to the physiological condition of the caregiver or the treatment state of the disease.

At present, after the general insurer undertakes the policy of the insured, it usually uses the risk status as the basis for the premium. However, the insurer usually only knows the insured's medical status before the insurance and cannot track the current insurance. The physiological condition of the person causes the insurer to fail to rely on the current physiological condition of the insured as the basis for the reduction of premiums. In order to solve the various problems in the past, the creators of this case have devoted themselves to the development of an insurance care device to effectively improve the shortcomings of the use.

The main purpose of this creation is to track the physiological condition of the caregiver on a regular or irregular basis to determine whether the underwriting or premium adjustment is based on the physiological condition of the caregiver or the condition of the disease treatment.

For the above purposes, the present invention is an insurance care device comprising: a wearable care mechanism, a remote server, an insurance judgment mechanism, and a disease analysis mechanism. The wear care mechanism is wearable by the caregiver and generates a reference information; the remote server can wirelessly receive the reference information generated by the wear care mechanism; the insurance judgment mechanism is connected to the remote server, Refer to the information to determine the physiological condition of the caregiver to determine whether the insurance or premium is adjusted; the disease analysis agency and the remote servo The device is connected to analyze the disease of the caregiver via the reference information and notify the caregiver to treat.

In the above-mentioned insurance and care device, the wear-protecting mechanism includes at least one wearing unit, a processing unit disposed in the wearing unit, an operating unit disposed in the wearing unit and connected to the processing unit, and a a sensing unit that is coupled to the processing unit, a wireless transmission unit that is disposed in the wearing unit and that is connected to the processing unit, and a communication unit that is disposed in the wearing unit and that is connected to the processing unit.

In the above-described insurance care device, the wearing unit can be worn by an care recipient.

In the above-mentioned insurance care device, the processing unit can be operated and processed as the operation unit, the sensing unit, the wireless transmission unit, and the communication unit.

In the above-mentioned insurance care device, the operating unit can be operated as various inputs and outputs.

In the above-mentioned insurance care device, the sensing unit can sense the physiological information of the care recipient and generate a reference information.

In the above-mentioned insurance care device, the wireless transmission unit can communicate with the remote server.

In the above-mentioned insurance device, the communication unit can communicate wirelessly with a communication device.

The above-mentioned insurance care device further includes a monitoring mechanism connected to the remote server, which can monitor the treatment situation of the care recipient.

The above-mentioned insurance care device further includes a care mechanism coupled to the remote server, the care mechanism providing reference information related to the caregiver.

The above-mentioned insurance care device further includes a social service organization connected to the remote server, and the social service organization can provide social service information related to the caregiver.

1‧‧‧Wearing care institutions

11‧‧‧ wearing unit

12‧‧‧Processing unit

13‧‧‧Operating unit

14‧‧‧Sensor unit

15‧‧‧Wireless transmission unit

16‧‧‧Communication unit

2‧‧‧Remote Server

3‧‧‧Insurance judgment agency

4‧‧‧ disease analysis agency

5‧‧‧Monitoring agency

6‧‧‧ care institutions

7‧‧‧Social agency

Figure 1 is a schematic diagram of the basic structure of this creation.

Figure 2 is a block diagram of the creation.

Fig. 3 is a block diagram showing another embodiment of the present creation.

Please refer to the "Figure 1 to Figure 3" for a schematic diagram of the basic architecture of the creation, a block diagram of the creation, and a block diagram of another embodiment of the present creation. As shown in the figure, the present invention is an insurance care device comprising a wear care mechanism 1, a remote server 2, an insurance judgment mechanism 3, and a disease analysis mechanism 4.

The wearable care facility 1 can be worn by an caregiver and generate a reference message.

The remote server 2 can wirelessly receive the reference information generated by the wearable care mechanism 1.

The insurance judging mechanism 3 is connected to the remote server 2, and can determine the physiological condition of the caregiver via the reference information to determine whether the insurance or premium is adjusted or not.

The disease analysis unit 4 is connected to the remote server 2, and can analyze the disease of the caregiver via the reference information and notify the caregiver to perform treatment.

When the present invention is in use, the wearable care institution 1 can be worn by the caregiver, and the wearer care institution 1 senses the reference information of the caregiver (eg, sensing blood pressure, blood oxygen, body temperature, etc.) and The reference information is transmitted to the remote server 2, and when the remote server 2 receives the reference information generated by the wearable care mechanism 1, the insurance judgment mechanism 3 can receive the reference information and determine the physiological condition of the care recipient. To determine whether the insurance or premium adjustments are made. When the insurance judging mechanism 3 judges that the physiological condition of the care recipient is abnormal, the disease analysis organization 4 can perform related disease analysis according to the reference information of the care recipient (for example, having a stroke precursor, a heart disease, a kidney disease, a chronic disease... Etc.), and notify the caregiver to treat, if the care recipient is treated, it can be used as the basis for underwriting or downgrading premiums. Otherwise, if the care recipient is unwilling to receive treatment, the premium will not be lowered.

In addition, the wireless transmission between the wearable care institution 1 and the remote server 2 can be performed in at least two ways:

1. After wearing the care organization 1 and the smart phone or various computers wirelessly connected via WI-FI/BT/3G/4G/5G wireless transmission, the smart phone or various computers via WI-FI/BT/3G/4G The /5G and other wireless transmissions are connected to the network cloud and then communicated with the remote server 2.

2. After the wearable care institution 1 and the wireless AP are connected through the WI-FI, the AP connects to the network cloud through the wired network to communicate with the remote server 2.

In a preferred embodiment of the present invention, the wear and care mechanism 1 includes at least one wearing unit 11 , a processing unit 12 disposed on the wearing unit 11 , and a connecting unit 11 and connecting the processing unit. An operating unit 13 of the unit 12, a sensing unit 14 disposed in the wearing unit 11 and connected to the processing unit 12, a wireless transmission unit 15 disposed in the wearing unit 11 and connected to the processing unit 12, and a device The unit 11 is connected to the communication unit 16 of the processing unit 12.

Thereby, the wearing unit 11 can be worn by the caregiver, and the operation and processing of the processing unit 12 as the operating unit 13, the sensing unit 14, the wireless transmission unit 15, and the communication unit 16 can be operated and processed. And the operation unit 13 can be a human interface as an operation of each input and output; the sensing unit 14 can sense the physiological information of the care recipient and generate a reference information; the wireless transmission unit 15 can The remote server 2 performs handshake communication to transmit the reference information; the communication unit 16 can communicate wirelessly with a communication device (for example, a smart phone or various computers). By Make this creation more suitable for practical use.

In a preferred embodiment of the present invention, the method further includes a monitoring mechanism 5 (shown in FIG. 3) connected to the remote server 2, and the monitoring mechanism can be used if the care recipient is receiving treatment. 5 communicates with the wireless transmission unit 15 through the remote server 2, and the sensing unit 14 of the wearing care institution 1 monitors the treatment situation of the caregiver as the basis for the adjustment of the premium. In order to make this creation more suitable for practical use.

In a preferred embodiment of the present invention, the method further includes a care mechanism 6 (shown in FIG. 3) connected to the remote server 2, and the care mechanism 6 can communicate with the remote server 2 The wireless transmission unit 15 communicates with the operator and provides the reference information related to the caregiver by the operation unit 13 of the wearable care institution 1, for example, providing medical information or medical information related to the chronic care provider. In order to make this creation more suitable for practical use.

In a preferred embodiment of the present invention, the method further includes a social service organization 7 (as shown in FIG. 3) connected to the remote server 2, and the social service organization 7 can transmit the remote server. 2 Communicating with the wireless transmission unit 15 and providing the social service information related to the caregiver by the operation unit 13 of the wear protection organization 1, for example, applying for care or contacting the social worker to know whether the care recipient needs various assistance. In order to make this creation more suitable for practical use.

In summary, the creation of the insurance care device can effectively improve the shortcomings of the abuse, and can track the physiological condition of the caregiver regularly or irregularly to determine the insurance or premium according to the physiological condition of the care recipient and the treatment status of the disease. Whether it is adjusted or not; furthermore, the creation of this creation can be more progressive, more practical, and more in line with the needs of consumers. It has indeed met the requirements for the creation of a patent application, and has filed a patent application according to law.

However, the above descriptions are only preferred embodiments of the present invention, and the scope of the present invention cannot be limited by this; therefore, the simple equivalent changes and modifications made by the scope of the patent application and the contents of the new manual are All should remain within the scope of this creation patent.

Claims (11)

An insurance care device comprising: a wearable care mechanism for being worn by an caregiver and generating a reference information; and a remote server for wirelessly receiving reference information generated by the wearable care institution; a judging mechanism, which is connected to the remote server, can determine the physiological condition of the care recipient through the reference information to determine whether the insurance or premium is adjusted; and a disease analysis mechanism that is connected to the remote server. The reference information can be used to analyze the caregiver's disease and notify the caregiver for treatment. The health care device of claim 1, wherein the wear care mechanism comprises at least one wearing unit, a processing unit disposed on the wearing unit, and a connecting unit and connecting the processing unit An operation unit, a sensing unit disposed in the wearing unit and connected to the processing unit, a wireless transmission unit disposed in the wearing unit and connected to the processing unit, and a device disposed in the wearing unit and connected to the processing The communication unit of the unit. The insurance device according to claim 2, wherein the wearing unit is wearable by an care recipient. The insurance device according to claim 2, wherein the processing unit is operable and processed as the operation unit, the sensing unit, the wireless transmission unit, and the communication unit. The insurance device according to claim 2, wherein the operation unit is operable as an input and an output. The insurance device according to claim 2, wherein the sensing unit It can sense the physiological message of the caregiver and generate a care message. The insurance device according to claim 2, wherein the wireless transmission unit can communicate with the remote server. The insurance device according to claim 2, wherein the communication unit can communicate wirelessly with a communication device. The insurance care device of claim 1, further comprising a monitoring mechanism coupled to the remote server, the monitoring mechanism monitoring the condition of the caregiver. The insurance device of claim 1, further comprising a care mechanism coupled to the remote server, the care mechanism providing reference information related to the caregiver. The insurance care device of claim 1, further comprising a social service organization connected to the remote server, wherein the social service organization can provide social service information related to the caregiver.