WO2017148160A1 - Health insurance risk assessment system based on bio-information - Google Patents

Health insurance risk assessment system based on bio-information Download PDF

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Publication number
WO2017148160A1
WO2017148160A1 PCT/CN2016/103037 CN2016103037W WO2017148160A1 WO 2017148160 A1 WO2017148160 A1 WO 2017148160A1 CN 2016103037 W CN2016103037 W CN 2016103037W WO 2017148160 A1 WO2017148160 A1 WO 2017148160A1
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Prior art keywords
database
risk assessment
index
risk
health insurance
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PCT/CN2016/103037
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French (fr)
Chinese (zh)
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张贯京
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深圳市前海安测信息技术有限公司
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Publication of WO2017148160A1 publication Critical patent/WO2017148160A1/en

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    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16Z—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS, NOT OTHERWISE PROVIDED FOR
    • G16Z99/00—Subject matter not provided for in other main groups of this subclass
    • G06F19/328—
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H50/00—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
    • G16H50/30—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for calculating health indices; for individual health risk assessment

Definitions

  • the present invention relates to the field of medical information processing, and in particular, to a health insurance risk assessment system based on biological information.
  • Bioinformatics provides orderly data and related information that grows exponentially. After analysis and collation, the risk control concept and innovative thinking of health insurance can be obtained from massive information. Therefore, it is necessary to establish a nuclear insurance and actuarial system for assessing the risk of health insurance targets, and apply bioinformatics database technology to the underwriting and actuarial risk assessment of health insurance, thereby reducing the underwriting cost of health insurance companies. Strengthen the risk control and core competitiveness of health insurance companies.
  • the main object of the present invention is to provide a bio-information-based health insurance risk assessment system, which aims to solve the technical problem that the existing insurance risk assessment system cannot combine the bio-information assessment health insurance risk to cause a large risk assessment.
  • the present invention provides a bio-information-based health insurance risk assessment system, which includes a risk assessment database system, a database search engine, and a bio-nuclear insurance claims risk index analysis system.
  • the risk assessment database system is connected to the bio-nuclear insurance risk index analysis system by the database search engine, wherein:
  • the risk assessment database system includes a historical risk assessment database, a realistic risk assessment database, a predictive risk assessment database, a financial risk rating database, and a biometric risk assessment data.
  • the biological nuclear insurance risk index analysis system includes a biological genetic detection subsystem, a human health early warning subsystem, and a biological nuclear insurance compensation risk control subsystem;
  • the biological gene detection subsystem is configured to detect a biological gene of a human disease based on a biological brain grid
  • the human health early warning subsystem is configured to use an biosensor to perform an early warning on a human disease type according to a biological genetic detection result
  • the bio-nuclear insurance risk control subsystem is configured to analyze and evaluate risk factors of the insured's health insurance underwriting and health insurance claims to obtain an assessment result of the health insurance risk.
  • the historical risk assessment database comprises a population vital sign database, a family genetic database, a family disease database, an individual past medical history database, an individual growth environment database, and a living area infectious disease incidence database.
  • the real-life risk assessment database includes an air pollution index database of an individual living area, a traffic accident occurrence index database, an individual physical examination index database, an individual real biochemical index library, an individual lifestyle index database, and an individual.
  • the social security index database of living areas includes an air pollution index database of an individual living area, a traffic accident occurrence index database, an individual physical examination index database, an individual real biochemical index library, an individual lifestyle index database, and an individual.
  • the predictive risk assessment database includes a disease gene database.
  • the financial risk rating database includes a health insurance demand index database, a financial status index database, a real financial index database, and a revenue insured ratio information database.
  • the biometric risk assessment database includes an insured fingerprint database and an insured iris database.
  • the health insurance underwriting index database comprises a standard body nuclear insurance index database, a secondary standard body nuclear insurance index database, an extended insurance index database, a refusal index database, and a nuclear insurance comprehensive index database.
  • the actuarial rate index library includes a multi-function life function library, an interest function library, a basic annuity database, an actuarial present value database, a policy cash value database, and a solvency index database.
  • the risk assessment database system is disposed in a database server.
  • the bio-nuclear insurance risk index analysis system is set in an application server.
  • the bio-information-based health insurance risk assessment system of the present invention adopts the above technical solution, and achieves the following technical effects: a multi-dimensional information database is adopted, and data information in all information databases is quantitatively classified. With the advantages of large amount of information and comprehensive information, it can be widely used in the life insurance industry.
  • the assessment of health insurance risks combined with bioinformatics reduces the risk of assessment, reduces the cost of underwriting for life insurance companies, and strengthens the risk control and core competitiveness of life insurance companies.
  • FIG. 1 is a schematic diagram showing the system configuration of a preferred embodiment of the bioinformation-based health insurance risk assessment system of the present invention
  • FIG. 2 is a schematic structural diagram of a preferred embodiment of the risk assessment database system of FIG. 1;
  • FIG. 3 is a schematic structural diagram of a preferred embodiment of the bio-nuclear insurance claim risk index analysis system of FIG. 1.
  • FIG. 1 is a schematic structural diagram of a system of a biometric-based health insurance risk assessment system according to a preferred embodiment of the present invention.
  • the biometric-based health insurance risk assessment system includes a risk assessment database system 1, a database search engine 2, and a bio-nuclear insurance risk index analysis system 3, wherein the risk assessment database system 1
  • the database search engine 2 is connected to the bio-nuclear insurance risk index analysis system 3.
  • the risk assessment database system 1 is disposed in the database server 10, and the bio-nuclear insurance risk index analysis system 3 is disposed in the application server 30.
  • FIG. 2 is a schematic structural diagram of a preferred embodiment of the risk assessment database system of FIG. 1.
  • the risk assessment database system 1 includes a historical risk assessment database 11, a realistic risk assessment database 12, a predictive risk assessment database 13, a financial risk rating database 14, a biometric risk assessment database 15, and health.
  • the historical risk assessment database 11 includes a population vital sign database 111, a family genetic database 1 12, a family disease database 113, an individual past medical history database 114, an individual growth environment database 115, and a living area infectious disease incidence database 116.
  • the real risk assessment database 12 includes an air pollution index database 121 in an individual living area, a traffic accident occurrence index database 122, an individual physical examination index library 123, an individual real biochemical index library 124, and an individual lifestyle index database. 125 and the social security index library 126 of the individual living area.
  • the individual life index library 125 stores a physical index BMI, an intellectual index IQ+EQ, a marital status, a number of children, a smoking habit, a physical exercise, a sleep, an education level, a career, a change, a social situation, a place of residence, and a place to go to work. Distance and other information.
  • the predictive risk assessment database 13 includes a disease gene database 131 for storing genetic test data for common human diseases.
  • genetic testing methods can detect whether anti-cancer genes and oncogenes are defective at a very early stage, and the probability of possible onset; breast cancer mothers have daughters suffering from breast cancer It is 15 times that of ordinary people.
  • People with defective CYP and GST in the liver can eat 60 yuan more than the average person if they often eat stinky tofu, preserved food, and bad habits such as smoking and drinking.
  • the chance of hepatitis B with the original person becoming a liver cancer is 223 times that of a normal person.
  • the genetic susceptibility gene of hepatitis B helps to predict the risk of hepatitis B. If the Apo E gene on chromosome 19 is defective, it is prone to heart disease and Alzheimer's disease (ie, dementia). If the CETP gene on the 16th chromosome has a problem, it is easy to have arteriosclerosis, vascular embolism, and the risk of myocardial infarction.
  • the financial risk rating database 14 includes a health insurance demand index library 141, a financial condition index library 142, a real financial index library 143, and a revenue insured ratio information repository 144.
  • the existing international health insurance demand function model and the health service demand function model are used to estimate the life insurance insurance demand in China under the framework of human capital, and to control the possible selective deviation and endogeneity. Deviation and omission variable deviations are used to distinguish the impact of institutional changes on stability, health and longevity and the impact of health and insurance service needs.
  • the biometric risk assessment database 15 includes an insured fingerprint database 151 and an insured iris database 152.
  • the insured fingerprint database 151 is used to store insured fingerprint information
  • the insured iris database 152 is used to store the insured iris information.
  • the health insurance underwriting index database 16 includes a standard body nuclear insurance index library 161, a secondary standard body nuclear insurance index library 1
  • the actuarial rate index library 17 includes a multivariate life function library 171, an interest function library 172, a basic annuity database 173, an actuarial present value database 174, a policy cash value database 175, and a solvency index library.
  • FIG. 3 is a schematic structural diagram of a preferred embodiment of the bio-nuclear insurance risk index analysis system of FIG. 1.
  • the bio-nuclear insurance risk index analysis system 3 includes a biological genetic detection subsystem 31, a human health early warning subsystem 32, and a biological nuclear insurance compensation risk control subsystem 33.
  • the biological gene detection subsystem 31 is connected to the human health early warning subsystem 32, and the biological genetic detection subsystem 31 and the human health early warning subsystem 32 are connected to the biological nuclear insurance risk control subsystem 33. .
  • the biological gene detection subsystem 31 is configured to detect a biological gene of a human disease based on a biological brain grid; the human health early warning subsystem 32 is configured to use a biosensor to perform an early warning on a human disease type according to a biological genetic detection result;
  • the bio-nuclear insurance risk control subsystem 33 is configured to analyze and evaluate the insured's health insurance underwriting and health insurance claims risk factors to obtain health insurance risk assessment results, thereby reducing the health insurance service risk.
  • the bio-information-based health insurance risk assessment system of the present invention adopts a multi-dimensional information database, and the data information in all information databases are quantitatively graded, and has the advantages of large amount of information and comprehensive information, and has strong operability. , can be widely used in the life insurance industry.
  • the present invention combines bioinformatics to assess health insurance risks, reduces assessment risk, reduces life insurance company's underwriting cost, and enhances life insurance company's risk control and core competitiveness.
  • the bio-information-based health insurance risk assessment system of the present invention adopts the above technical solutions, and achieves the following technical effects:
  • a multi-dimensional information database is adopted, and data information in all information databases is quantized and graded, and has information.
  • the large quantity and comprehensive information advantages can be widely applied in the life insurance industry.
  • the assessment of health insurance risks combined with biological information reduces the risk of assessment, reduces the cost of underwriting for life insurance companies, and strengthens the risk control and core competitiveness of life insurance companies.

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Abstract

Disclosed is a health insurance risk assessment system based on bio-information, comprising: a risk assessment database system, a database search engine, and a biological underwriting and claims assessment risk index analysis system, wherein the risk assessment database system is connected to the biological underwriting and claims assessment risk index analysis system by means of the database search engine. The risk assessment database system comprises a historical risk assessment database, a realistic risk assessment database, a predictive risk assessment database, a financial risk level assessment database, a biological recognition risk assessment database, a health insurance underwriting index library, and an actuarial rate index library. The biological underwriting and claims assessment risk index analysis system comprises a bio-gene detection subsystem, a human health early warning subsystem, and a biological underwriting risk control subsystem. The present invention assesses health insurance by using multidimensional information databases having quantitatively graded information and in combination with bio-information, thereby reducing assessment risks and underwriting costs.

Description

说明书 发明名称：基于生物信息的健康保险风险评估系统 技术领域  Manual Title: Health Information Risk Assessment System Based on Bioinformatics
[0001] 本发明涉及医疗信息处理领域， 尤其涉及一种基于生物信息的健康保险风险评 估系统。  [0001] The present invention relates to the field of medical information processing, and in particular, to a health insurance risk assessment system based on biological information.
背景技术  Background technique
[0002] 随着我国经济的持续增长， 用于健康和人寿保险的支出不断增加。 健康、 生命 和教育一样， 是人力资本的主要组成部分， 安定、 卫生和健康投资可以直接提 高社会生产力。 因而研究人寿保险和健康保险的需求， 具有重要的经济和社会 意义， 对保险公司核保和精算更具现实意义。  [0002] As China's economy continues to grow, spending on health and life insurance continues to increase. Health, life and education are major components of human capital, and stability, health and wellness investments can directly increase social productivity. Therefore, studying the needs of life insurance and health insurance has important economic and social significance, and it is more practical for underwriting and actuarial insurance companies.
[0003] 生物信息技术提供了以指数增长的有序数据及相关信息， 经过分析与整理， 从 海量信息中可以获得健康保险的风险控制理念和创新思维。 因此， 有必要建立 一种用于评估健康保险标的风险的核保和精算系统， 将生物信息数据库技术应 用于健康保险的核保和精算的风险评估中， 从而减少健康保险公司的核保成本 ， 加强健康保险公司的风险控制和核心竞争力。  [0003] Bioinformatics provides orderly data and related information that grows exponentially. After analysis and collation, the risk control concept and innovative thinking of health insurance can be obtained from massive information. Therefore, it is necessary to establish a nuclear insurance and actuarial system for assessing the risk of health insurance targets, and apply bioinformatics database technology to the underwriting and actuarial risk assessment of health insurance, thereby reducing the underwriting cost of health insurance companies. Strengthen the risk control and core competitiveness of health insurance companies.
技术问题  technical problem
[0004] 本发明的主要目的在于提供一种基于生物信息的健康保险风险评估系统， 旨在 解决现有保险风险评估系统不能结合生物信息评估健康保险风险而导致评估风 险大的技术问题。  [0004] The main object of the present invention is to provide a bio-information-based health insurance risk assessment system, which aims to solve the technical problem that the existing insurance risk assessment system cannot combine the bio-information assessment health insurance risk to cause a large risk assessment.
问题的解决方案  Problem solution
技术解决方案  Technical solution
[0005] 为实现上述目的， 本发明提供了一种基于生物信息的健康保险风险评估系统， 该健康保险风险评估系统包括风险评估数据库系统、 数据库搜索引擎器以及生 物核保核赔风险指数分析系统， 所述风险评估数据库系统通过所述数据库搜索 弓 I擎器连接至所述生物核保核赔风险指数分析系统， 其中：  [0005] In order to achieve the above object, the present invention provides a bio-information-based health insurance risk assessment system, which includes a risk assessment database system, a database search engine, and a bio-nuclear insurance claims risk index analysis system. The risk assessment database system is connected to the bio-nuclear insurance risk index analysis system by the database search engine, wherein:
[0006] 所述风险评估数据库系统包括历史性风险评估数据库、 现实性风险评估数据库 、 预测性风险评估数据库、 财务风险等级评估数据库、 生物识别风险评估数据 库、 健康保险核保指数库以及精算费率指数库； [0006] The risk assessment database system includes a historical risk assessment database, a realistic risk assessment database, a predictive risk assessment database, a financial risk rating database, and a biometric risk assessment data. Library, health insurance underwriting index database and actuarial rate index library;
[0007] 所述生物核保核赔风险指数分析系统包括生物基因检测子系统、 人体健康预警 子系统以及生物核保核赔风险控制子系统；  [0007] The biological nuclear insurance risk index analysis system includes a biological genetic detection subsystem, a human health early warning subsystem, and a biological nuclear insurance compensation risk control subsystem;
[0008] 所述生物基因检测子系统用于基于生物脑网格对人体疾病的生物基因进行检测 [0008] The biological gene detection subsystem is configured to detect a biological gene of a human disease based on a biological brain grid
[0009] 所述人体健康预警子系统用于根据生物基因检测结果采用生物传感器对人体疾 病类型进行预警； [0009] the human health early warning subsystem is configured to use an biosensor to perform an early warning on a human disease type according to a biological genetic detection result;
[0010] 所述生物核保核赔风险控制子系统用于对被保险人的健康保险核保以及健康保 险理赔的危险因素进行分析与评估以获得健康保险风险的评估结果。  [0010] The bio-nuclear insurance risk control subsystem is configured to analyze and evaluate risk factors of the insured's health insurance underwriting and health insurance claims to obtain an assessment result of the health insurance risk.
[0011] 优选的， 所述历史性风险评估数据库包括群体生命体征数据库、 家族遗传数据 库、 家族疾病数据库、 个体既往病史数据库、 个体生长环境数据库以及生活地 区传染病发病率数据库。  [0011] Preferably, the historical risk assessment database comprises a population vital sign database, a family genetic database, a family disease database, an individual past medical history database, an individual growth environment database, and a living area infectious disease incidence database.
[0012] 优选的， 所述现实性风险评估数据库包括个体生活地区大气污染指数库、 交通 事故发生率指数库、 个体实吋体检指标库、 个体实吋生化指标库、 个体生活方 式指数库以及个体生活地区社会治安指数库。  [0012] Preferably, the real-life risk assessment database includes an air pollution index database of an individual living area, a traffic accident occurrence index database, an individual physical examination index database, an individual real biochemical index library, an individual lifestyle index database, and an individual. The social security index database of living areas.
[0013] 优选的， 所述预测性风险评估数据库包括疾病基因数据库。  [0013] Preferably, the predictive risk assessment database includes a disease gene database.
[0014] 优选的， 所述财务风险等级评估数据库包括健康保险需求指数库、 财务状况指 数库、 实吋金融指数库以及收入保额比值信息库。  [0014] Preferably, the financial risk rating database includes a health insurance demand index database, a financial status index database, a real financial index database, and a revenue insured ratio information database.
[0015] 优选的， 所述生物识别风险评估数据库包括被保险人指纹数据库以及被保险人 虹膜数据库。 [0015] Preferably, the biometric risk assessment database includes an insured fingerprint database and an insured iris database.
[0016] 优选的， 所述健康保险核保指数库包括标准体核保指数库、 次标准体核保指数 库、 延保指数库、 拒保指数库以及核保综合指数库。  [0016] Preferably, the health insurance underwriting index database comprises a standard body nuclear insurance index database, a secondary standard body nuclear insurance index database, an extended insurance index database, a refusal index database, and a nuclear insurance comprehensive index database.
[0017] 优选的， 所述精算费率指数库包括多元生命函数库、 利息函数库、 基础年金数 据库、 精算现值数据库、 保单现金价值数据库以及偿付能力指数库。 [0017] Preferably, the actuarial rate index library includes a multi-function life function library, an interest function library, a basic annuity database, an actuarial present value database, a policy cash value database, and a solvency index database.
[0018] 优选的， 所述风险评估数据库系统设置于数据库服务器中。 [0018] Preferably, the risk assessment database system is disposed in a database server.
[0019] 优选的， 所述生物核保核赔风险指数分析系统设置于应用服务器中。 [0019] Preferably, the bio-nuclear insurance risk index analysis system is set in an application server.
发明的有益效果  Advantageous effects of the invention
有益效果 [0020] 相较于现有技术， 本发明所述基于生物信息的健康保险风险评估系统采用上述 技术方案， 达到了如下技术效果： 采用了多维信息数据库， 所有信息数据库中 数据信息都采用量化分级， 具有信息量大及信息全面性优点， 能够广泛应用在 人寿保险行业。 此外， 结合生物信息评估健康保险风险降低了评估风险， 减少 了人寿保险公司的核保成本， 加强了人寿保险公司的风险控制和核心竞争力。 对附图的简要说明 Beneficial effect Compared with the prior art, the bio-information-based health insurance risk assessment system of the present invention adopts the above technical solution, and achieves the following technical effects: a multi-dimensional information database is adopted, and data information in all information databases is quantitatively classified. With the advantages of large amount of information and comprehensive information, it can be widely used in the life insurance industry. In addition, the assessment of health insurance risks combined with bioinformatics reduces the risk of assessment, reduces the cost of underwriting for life insurance companies, and strengthens the risk control and core competitiveness of life insurance companies. Brief description of the drawing
附图说明  DRAWINGS
[0021] 图 1是本发明基于生物信息的健康保险风险评估系统较佳实施例的系统结构示 意图；  1 is a schematic diagram showing the system configuration of a preferred embodiment of the bioinformation-based health insurance risk assessment system of the present invention;
[0022] 图 2是图 1中的风险评估数据库系统较佳实施例的结构示意图；  2 is a schematic structural diagram of a preferred embodiment of the risk assessment database system of FIG. 1;
[0023] 图 3是图 1中的生物核保核赔风险指数分析系统较佳实施例的结构示意图。  3 is a schematic structural diagram of a preferred embodiment of the bio-nuclear insurance claim risk index analysis system of FIG. 1.
[0024] 本发明目的的实现、 功能特点及优点将结合实施例， 参照附图做进一步说明。  [0024] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings.
实施该发明的最佳实施例  BEST MODE FOR CARRYING OUT THE INVENTION
本发明的最佳实施方式  BEST MODE FOR CARRYING OUT THE INVENTION
[0025] 为更进一步阐述本发明为达成上述目的所采取的技术手段及功效， 以下结合附 图及较佳实施例， 对本发明的具体实施方式、 结构、 特征及其功效进行详细说 明。 应当理解， 此处所描述的具体实施例仅仅用以解释本发明， 并不用于限定 本发明。 The specific embodiments, structures, features and utilities of the present invention are described in detail below with reference to the accompanying drawings and preferred embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
[0026] 参考图 1所示， 图 1是本发明基于生物信息的健康保险风险评估系统较佳实施例 的系统结构示意图。 在本发明中， 所述基于生物信息的健康保险风险评估系统 包括风险评估数据库系统 1、 数据库搜索引擎器 2以及生物核保核赔风险指数分 析系统 3， 所述风险评估数据库系统 1通过所述数据库搜索引擎器 2连接至所述生 物核保核赔风险指数分析系统 3。 所述风险评估数据库系统 1设置于数据库服务 器 10中， 所述生物核保核赔风险指数分析系统 3设置于应用服务器 30中。 所述生 物核保核赔风险指数分析系统 3通过数据库搜索引擎器 2从所述风险评估数据库 系统 1获取与健康保险风险评估相关的数据信息， 并根据所述数据信息对健康保 险的风险进行实吋监测、 分析与评估， 以降低健康保险风险的评估风险并减少 核保成本。 [0027] 参考图 2所示， 图 2是图 1中的风险评估数据库系统较佳实施例的结构示意图。 在本实施例中， 所述风险评估数据库系统 1包括历史性风险评估数据库 11、 现实 性风险评估数据库 12、 预测性风险评估数据库 13、 财务风险等级评估数据库 14 、 生物识别风险评估数据库 15、 健康保险核保指数库 16以及精算费率指数库 17 Referring to FIG. 1, FIG. 1 is a schematic structural diagram of a system of a biometric-based health insurance risk assessment system according to a preferred embodiment of the present invention. In the present invention, the biometric-based health insurance risk assessment system includes a risk assessment database system 1, a database search engine 2, and a bio-nuclear insurance risk index analysis system 3, wherein the risk assessment database system 1 The database search engine 2 is connected to the bio-nuclear insurance risk index analysis system 3. The risk assessment database system 1 is disposed in the database server 10, and the bio-nuclear insurance risk index analysis system 3 is disposed in the application server 30. The bio-nuclear insurance risk index analysis system 3 obtains data information related to the health insurance risk assessment from the risk assessment database system 1 through the database search engine 2, and implements the risk of the health insurance according to the data information.吋 Monitoring, analysis and assessment to reduce the risk of assessing health insurance risks and reduce underwriting costs. [0027] Referring to FIG. 2, FIG. 2 is a schematic structural diagram of a preferred embodiment of the risk assessment database system of FIG. 1. In this embodiment, the risk assessment database system 1 includes a historical risk assessment database 11, a realistic risk assessment database 12, a predictive risk assessment database 13, a financial risk rating database 14, a biometric risk assessment database 15, and health. Insurance underwriting index database 16 and actuarial rate index library 17
[0028] 所述历史性风险评估数据库 11包括群体生命体征数据库 111、 家族遗传数据库 1 12、 家族疾病数据库 113、 个体既往病史数据库 114、 个体生长环境数据库 115以 及生活地区传染病发病率数据库 116。 [0028] The historical risk assessment database 11 includes a population vital sign database 111, a family genetic database 1 12, a family disease database 113, an individual past medical history database 114, an individual growth environment database 115, and a living area infectious disease incidence database 116.
[0029] 所述现实性风险评估数据库 12包括个体生活地区大气污染指数库 121、 交通事 故发生率指数库 122、 个体实吋体检指标库 123、 个体实吋生化指标库 124、 个体 生活方式指数库 125以及个体生活地区社会治安指数库 126。 例如， 所述个体生 活指数库 125存储有体格指数 BMI、 智力指数 IQ+EQ、 婚姻状况、 孩子数量、 抽 烟饮酒习惯、 体育锻炼、 睡眠、 教育程度、 职业、 变迁、 社交情况、 住处与上 班地点距离等信息。  [0029] The real risk assessment database 12 includes an air pollution index database 121 in an individual living area, a traffic accident occurrence index database 122, an individual physical examination index library 123, an individual real biochemical index library 124, and an individual lifestyle index database. 125 and the social security index library 126 of the individual living area. For example, the individual life index library 125 stores a physical index BMI, an intellectual index IQ+EQ, a marital status, a number of children, a smoking habit, a physical exercise, a sleep, an education level, a career, a change, a social situation, a place of residence, and a place to go to work. Distance and other information.
[0030] 所述预测性风险评估数据库 13包括疾病基因数据库 131， 用于存储人类常见疾 病的基因检测数据。 例如， 对于人类健康主要杀手心脏血管疾病和癌症， 采用 基因检测方法可以在非常早期就测得抗癌基因和致癌基因是否有缺陷， 可能发 病的机率有多大； 乳癌母亲所生的女儿罹患乳癌机率是常人的 15倍， 肝脏内解 毒基因 CYP、 GST有缺陷的人， 如果又常吃臭豆腐、 腌制食品， 以及抽烟、 喝酒 等不良习惯， 发生肝癌的机会比一般人高 60倍。 乙型肝炎带原者演变成肝癌的 机会是平常人的 223倍。 乙型肝炎的遗传易感基因， 有助于对乙型肝炎进行风险 预测。 如果第 19对染色体上的 Apo E基因有缺陷， 就容易罹患心脏病和阿兹海默 症 （即老人失智症） 。 如果第 16对染色体上的 CETP基因出问题， 容易动脉硬化 、 血管栓塞、 心肌梗塞的机率。  [0030] The predictive risk assessment database 13 includes a disease gene database 131 for storing genetic test data for common human diseases. For example, for human health major killer cardiovascular diseases and cancer, genetic testing methods can detect whether anti-cancer genes and oncogenes are defective at a very early stage, and the probability of possible onset; breast cancer mothers have daughters suffering from breast cancer It is 15 times that of ordinary people. People with defective CYP and GST in the liver can eat 60 yuan more than the average person if they often eat stinky tofu, preserved food, and bad habits such as smoking and drinking. The chance of hepatitis B with the original person becoming a liver cancer is 223 times that of a normal person. The genetic susceptibility gene of hepatitis B helps to predict the risk of hepatitis B. If the Apo E gene on chromosome 19 is defective, it is prone to heart disease and Alzheimer's disease (ie, dementia). If the CETP gene on the 16th chromosome has a problem, it is easy to have arteriosclerosis, vascular embolism, and the risk of myocardial infarction.
[0031] 所述财务风险等级评估数据库 14包括健康保险需求指数库 141、 财务状况指数 库 142、 实吋金融指数库 143以及收入保额比值信息库 144。 在本发明， 利用现有 国际通行的健康保险需求函数模型和卫生服务需求函数模型， 在人力资本的框 架下来估算我国的人寿健康保险需求， 并控制可能发生的选择性偏差、 内生性 偏差和遗漏变量偏差， 来区分制度变化对安定、 健康和长寿的需求和卫生， 保 险服务需求产生的影响。 [0031] The financial risk rating database 14 includes a health insurance demand index library 141, a financial condition index library 142, a real financial index library 143, and a revenue insured ratio information repository 144. In the present invention, the existing international health insurance demand function model and the health service demand function model are used to estimate the life insurance insurance demand in China under the framework of human capital, and to control the possible selective deviation and endogeneity. Deviation and omission variable deviations are used to distinguish the impact of institutional changes on stability, health and longevity and the impact of health and insurance service needs.
[0032] 所述生物识别风险评估数据库 15包括被保险人指纹数据库 151以及被保险人虹 膜数据库 152。 所述被保险人指纹数据库 151用于存储被保险人指纹信息， 所述 被保险人虹膜数据库 152用于存储被保险人虹膜信息。  [0032] The biometric risk assessment database 15 includes an insured fingerprint database 151 and an insured iris database 152. The insured fingerprint database 151 is used to store insured fingerprint information, and the insured iris database 152 is used to store the insured iris information.
[0033] 所述健康保险核保指数库 16包括标准体核保指数库 161、 次标准体核保指数库 1[0033] The health insurance underwriting index database 16 includes a standard body nuclear insurance index library 161, a secondary standard body nuclear insurance index library 1
62、 延保指数库 163、 拒保指数库 164以及核保综合指数库 165。 62. The extended insurance index database 163, the refusal index database 164 and the underwriting comprehensive index database 165.
[0034] 所述精算费率指数库 17包括多元生命函数库 171、 利息函数库 172、 基础年金数 据库 173、 精算现值数据库 174、 保单现金价值数据库 175以及偿付能力指数库 17[0034] The actuarial rate index library 17 includes a multivariate life function library 171, an interest function library 172, a basic annuity database 173, an actuarial present value database 174, a policy cash value database 175, and a solvency index library.
6。 6.
[0035] 参考图 3所示， 图 3是图 1中的生物核保核赔风险指数分析系统较佳实施例的结 构示意图。 在本实施例中， 所述生物核保核赔风险指数分析系统 3包括生物基因 检测子系统 31、 人体健康预警子系统 32以及生物核保核赔风险控制子系统 33。 所述生物基因检测子系统 31连接至所述人体健康预警子系统 32， 所述生物基因 检测子系统 31和所述人体健康预警子系统 32连接至所述生物核保核赔风险控制 子系统 33。 所述生物基因检测子系统 31用于基于生物脑网格对人体疾病的生物 基因进行检测； 所述人体健康预警子系统 32用于根据生物基因检测结果采用生 物传感器对人体疾病类型进行预警； 所述生物核保核赔风险控制子系统 33用于 对被保险人的健康保险核保以及健康保险理赔的危险因素进行分析与评估以获 得健康保险风险的评估结果， 从而降低健康保险的服务风险。  Referring to FIG. 3, FIG. 3 is a schematic structural diagram of a preferred embodiment of the bio-nuclear insurance risk index analysis system of FIG. 1. In this embodiment, the bio-nuclear insurance risk index analysis system 3 includes a biological genetic detection subsystem 31, a human health early warning subsystem 32, and a biological nuclear insurance compensation risk control subsystem 33. The biological gene detection subsystem 31 is connected to the human health early warning subsystem 32, and the biological genetic detection subsystem 31 and the human health early warning subsystem 32 are connected to the biological nuclear insurance risk control subsystem 33. . The biological gene detection subsystem 31 is configured to detect a biological gene of a human disease based on a biological brain grid; the human health early warning subsystem 32 is configured to use a biosensor to perform an early warning on a human disease type according to a biological genetic detection result; The bio-nuclear insurance risk control subsystem 33 is configured to analyze and evaluate the insured's health insurance underwriting and health insurance claims risk factors to obtain health insurance risk assessment results, thereby reducing the health insurance service risk.
[0036] 本发明所述基于生物信息的健康保险风险评估系统采用了多维信息数据库， 所 有信息数据库中数据信息都采用量化分级， 具有信息量大及信息全面性优点， 具备很强的可操作性， 能够广泛应用在人寿保险行业。 此外， 本发明结合生物 信息评估健康保险风险降低了评估风险， 减少了人寿保险公司的核保成本， 加 强了人寿保险公司的风险控制和核心竞争力。  [0036] The bio-information-based health insurance risk assessment system of the present invention adopts a multi-dimensional information database, and the data information in all information databases are quantitatively graded, and has the advantages of large amount of information and comprehensive information, and has strong operability. , can be widely used in the life insurance industry. In addition, the present invention combines bioinformatics to assess health insurance risks, reduces assessment risk, reduces life insurance company's underwriting cost, and enhances life insurance company's risk control and core competitiveness.
[0037] 以上仅为本发明的优选实施例， 并非因此限制本发明的专利范围， 凡是利用本 发明说明书及附图内容所作的等效结构或等效功能变换， 或直接或间接运用在 其他相关的技术领域， 均同理包括在本发明的专利保护范围内。 工业实用性 The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the invention, and the equivalent structure or equivalent function changes made by the description of the present invention and the contents of the drawings, or directly or indirectly applied to other related The technical field is equally included in the scope of patent protection of the present invention. Industrial applicability
相较于现有技术， 本发明所述基于生物信息的健康保险风险评估系统采用上述 技术方案， 达到了如下技术效果： 采用了多维信息数据库， 所有信息数据库中 数据信息都采用量化分级， 具有信息量大及信息全面性优点， 能够广泛应用在 人寿保险行业。 此外， 结合生物信息评估健康保险风险降低了评估风险， 减少 了人寿保险公司的核保成本， 加强了人寿保险公司的风险控制和核心竞争力。  Compared with the prior art, the bio-information-based health insurance risk assessment system of the present invention adopts the above technical solutions, and achieves the following technical effects: A multi-dimensional information database is adopted, and data information in all information databases is quantized and graded, and has information. The large quantity and comprehensive information advantages can be widely applied in the life insurance industry. In addition, the assessment of health insurance risks combined with biological information reduces the risk of assessment, reduces the cost of underwriting for life insurance companies, and strengthens the risk control and core competitiveness of life insurance companies.

Claims

权利要求书 Claim
[权利要求 1] 一种基于生物信息的健康保险风险评估系统， 其特征在于， 该健康保 险风险评估系统包括风险评估数据库系统、 数据库搜索弓 I擎器以及生 物核保核赔风险指数分析系统， 所述风险评估数据库系统通过所述数 据库搜索弓 I擎器连接至所述生物核保核赔风险指数分析系统， 其中： 所述风险评估数据库系统包括历史性风险评估数据库、 现实性风险评 估数据库、 预测性风险评估数据库、 财务风险等级评估数据库、 生物 识别风险评估数据库、 健康保险核保指数库以及精算费率指数库； 所 述生物核保核赔风险指数分析系统包括生物基因检测子系统、 人体健 康预警子系统以及生物核保核赔风险控制子系统； 所述生物基因检测 子系统用于基于生物脑网格对人体疾病的生物基因进行检测； 所述人 体健康预警子系统用于根据生物基因检测结果采用生物传感器对人体 疾病类型进行预警； 所述生物核保核赔风险控制子系统用于对被保险 人的健康保险核保以及健康保险理赔的危险因素进行分析与评估以获 得健康保险风险的评估结果。  [Claim 1] A bio-information-based health insurance risk assessment system, wherein the health insurance risk assessment system includes a risk assessment database system, a database search arch engine, and a bio-nuclear insurance risk index analysis system. The risk assessment database system is connected to the bio-nuclear insurance risk index analysis system by the database search engine, wherein: the risk assessment database system includes a historical risk assessment database, a realistic risk assessment database, a predictive risk assessment database, a financial risk rating database, a biometric risk assessment database, a health insurance underwriting index database, and an actuarial rate index database; the bionuclear insurance risk index analysis system includes a biological genetic testing subsystem, a human body a health warning subsystem and a biological nuclear insurance risk control subsystem; the biological genetic detection subsystem is configured to detect a biological gene of a human disease based on a biological brain grid; the human health early warning subsystem is used according to a biological gene Detection The biosensor is used to alert the human disease type; the bio-nuclear insurance risk control subsystem is used to analyze and evaluate the insured's health insurance underwriting and health insurance claims risk factors to obtain health insurance risks. evaluation result.
[权利要求 2] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述历史性风险评估数据库包括群体生命体征数据库、 家族遗 传数据库、 家族疾病数据库、 个体既往病史数据库、 个体生长环境数 据库以及生活地区传染病发病率数据库。  [Claim 2] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the historical risk assessment database includes a population vital sign database, a family genetic database, a family disease database, and an individual medical history. Database, individual growth environment database, and infectious disease incidence database in living areas.
[权利要求 3] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述现实性风险评估数据库包括个体生活地区大气污染指数库 、 交通事故发生率指数库、 个体实吋体检指标库、 个体实吋生化指标 库、 个体生活方式指数库以及个体生活地区社会治安指数库。  [Claim 3] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the real-life risk assessment database includes an air pollution index database of an individual living area, a traffic accident occurrence rate index database, and an individual. The physical examination index database, the individual biochemical index database, the individual lifestyle index database, and the social security index database of the individual living area.
[权利要求 4] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述预测性风险评估数据库包括疾病基因数据库。  [Claim 4] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the predictive risk assessment database includes a disease gene database.
[权利要求 5] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述财务风险等级评估数据库包括健康保险需求指数库、 财务 状况指数库、 实吋金融指数库以及收入保额比值信息库。 [Claim 5] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the financial risk rating database includes a health insurance demand index database, a financial condition index database, and a real financial index database. And a income insured ratio information base.
[权利要求 6] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述生物识别风险评估数据库包括被保险人指纹数据库以及被 保险人虹膜数据库。 [Claim 6] The biometric-based health insurance risk assessment system according to claim 1, wherein the biometric risk assessment database includes an insured fingerprint database and an insured iris database.
[权利要求 7] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述健康保险核保指数库包括标准体核保指数库、 次标准体核 保指数库、 延保指数库、 拒保指数库以及核保综合指数库。  [Claim 7] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the health insurance underwriting index database includes a standard body nuclear insurance index database, a secondary standard body nuclear insurance index database, Extended warranty index library, refusal index database and underwriting comprehensive index database.
[权利要求 8] 如权利要求 1所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述精算费率指数库包括多元生命函数库、 利息函数库、 基础 年金数据库、 精算现值数据库、 保单现金价值数据库以及偿付能力指 数库。  [Claim 8] The bioinformation-based health insurance risk assessment system according to claim 1, wherein the actuarial rate index database includes a multivariate life function library, an interest function library, a basic annuity database, and an actuarial present value. Database, policy cash value database and solvency index library.
[权利要求 9] 如权利要求 1至 8任一项所述的基于生物信息的健康保险风险评估系统 [Claim 9] The bioinformation-based health insurance risk assessment system according to any one of claims 1 to 8.
， 其特征在于， 所述风险评估数据库系统设置于数据库服务器中。 And characterized in that the risk assessment database system is set in a database server.
[权利要求 10] 如权利要求 9所述的基于生物信息的健康保险风险评估系统， 其特征 在于， 所述生物核保核赔风险指数分析系统设置于应用服务器中。  [Claim 10] The biometric-based health insurance risk assessment system according to claim 9, wherein the bio-nuclear insurance risk index analysis system is provided in an application server.
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