WO2020062326A1

WO2020062326A1 - Smart health management and life safety insurance system, and implementation method therefor

Info

Publication number: WO2020062326A1
Application number: PCT/CN2018/109642
Authority: WO
Inventors: 朱继平
Original assignee: 上海笛乐护斯健康科技有限公司
Priority date: 2018-09-30
Filing date: 2018-10-10
Publication date: 2020-04-02
Also published as: CN110969534A

Abstract

A smart health management and life safety insurance system, and an implementation method for said system. Said system comprises: a smart wearable terminal, a big data server, a monitoring service center, a third-party service platform (comprising a medical institution, etc.) and an insurance company platform; the big data server receives an insured person's real-time health data acquired by the smart wearable terminal and diagnosis data acquired by the third-party service platform, stores and analyzes the data, and forms a health report of the insured person; the insurance company platform receives the health report of the insured person from the big data server, and performs underwriting or claim settlement according to the report; and the monitoring service center receives the health report of the insured person from the big data server, and provides a service to a user, i.e., the insured person, of the smart wearable terminal according to the situations. Thus, the present invention realizes real-time monitoring for a user, provides a targeted feedback, improves the user experience, simplifies the underwriting and claim settlement procedures, and reduces the labor cost.

Description

Intelligent health management and life safety insurance system and implementation method thereof

Technical field

The invention relates to an insurance system, in particular to an intelligent health management and life safety insurance system; in addition, the invention also relates to a method for implementing the intelligent health management and life safety insurance system.

Background technique:

In recent years, with the improvement of people's living standards, healthy longevity has become a focus of attention of the people. At the same time, health insurance has gradually become the first choice for people to buy insurance.

Existing health insurance products have strict requirements on users. Most potential users are denied entry, violate the purpose of insurance for the people's livelihood, and cannot provide support for a healthy China and the people's longing for a better life and a comprehensive well-off society.

Product homogeneity is serious, and market competitiveness mostly comes from policy resources.

The insurance services experienced by customers or relatives of customers are limited to ex post claims.

The income and profit sources of insurance companies and the room for improvement are very limited: dead spreads, interest spreads, and fee spreads.

The current health insurance products have a great workload for insurance, underwriting and claims settlement. When underwriting, insurance companies usually need the insured to provide their health status (requires the insured to issue a specific inspection report), and verify that the information provided is consistent and authentic, and provide a certificate issued by a third-party medical institution if necessary. When making a claim, the insured is required to provide relevant claim materials (including medical records, medical status (social security / own expense); details of accidents, original bills for medical expenses, etc.). The insurance company's claims focus review the doctor's diagnosis of the disease name, the date of the first diagnosis, the visiting hospital and its address, phone number, medical status (social security / own expense), details of the accident, etc., and appraisal or opinions of relevant departments. For insurance companies, the current workload of underwriting and claims for health insurance products is very large, the procedures are complex, time-consuming, and labor costs are high. For the insured, a large number of materials need to be provided and the procedures are cumbersome.

Chinese invention patent CN201410121802.8 discloses a health management system and method based on the Internet of Things and cloud computing. The drawbacks are: its data source is to be collected through another instrument (health testing equipment), the health testing The device is not a wearable smart terminal, and still needs to manually collect data manually, and not real-time data collection, which has certain limitations; the system is only data feedback, no data analysis and targeted services; the system is not specifically targeted at Design for problems in the insurance industry. The insurance client involved in this system is used to assist medical insurance and social security units in grasping the health status of participating users, and only solves the problem of data interaction with medical insurance units and social security units. However, it does not solve the core problem of commercial insurance: existing health insurance products have strict requirements on users, and most potential users are rejected. For insurance companies, the current workload of underwriting and claims for health insurance products is very large, the procedures are complex, time-consuming, and labor costs are high. For the insured, a large number of materials need to be provided and the procedures are cumbersome.

Summary of the Invention

One of the technical problems to be solved by the present invention is to provide an intelligent health management and life safety insurance system, which can solve the above technical problems existing in current health insurance products, and provide customers with an intelligent health management and life safety monitoring system. Carry out real-time monitoring, provide targeted feedback, and use big data as the support to dynamically adjust the rate or / and the sum insured according to the monitoring results. At the same time, combine insurance management with health management, medical rehabilitation, emergency rescue, and financial services to make insurance services available in advance and in advance. In the new insurance business, realizing insurance service + real-time and improving user experience. At the same time, the system can simplify underwriting and claims procedures, reduce labor costs, and expand sales channels.

The second technical problem to be solved by the present invention is to provide an implementation method of an intelligent health management and life safety insurance system.

To solve the above technical problems, the present invention adopts the following technical solutions:

In one aspect of the present invention, an intelligent health management and life safety insurance system is provided, including: a wearable intelligent terminal, a big data server, a monitoring service center, a third-party service platform, and an insurance company platform; the big data server is respectively connected with Wearable smart terminals, monitoring service centers, third-party service platforms, and insurance company platforms are connected through the network; third-party service platforms include medical institutions, fitness institutions, diet and nutrition institutions, and psychological consulting agencies;

The wearable smart terminal is used to automatically detect and collect the health data of the insured in real time, and transmit the health data and other information of the insured (such as age, gender, blood type, medical history, allergy history, etc.) to the institute. Describe the big data server.

The third-party service platform transmits diagnostic data of the insured in the medical institution to the big data server;

The big data server receives real-time health data of the insured collected from the wearable smart terminal and diagnostic data collected from the third-party service platform, stores the data, and analyzes the data to form an insured health report;

The insurance company platform receives the insured's health report from the big data server, and can automatically underwrite or settle claims based on the report;

The monitoring service center receives the health report of the insured from the big data server, and provides services to the wearable smart terminal user, the insured, according to the situation.

As a preferred technical solution of the present invention, the system further includes a volunteer platform including a volunteer network, social public resources, a community property platform, a nursing home, and the like.

As a preferred technical solution of the present invention, the wearable smart terminal includes a positioning module, a communication module, a detection module, an intelligent classification module, and a sending module;

The positioning module is used to intelligently locate the user of the wearable smart terminal, that is, the insured;

The communication module is used for wired or wireless connection to the network;

The detection module is used to automatically detect and collect the life and health signs data of the wearable smart terminal user and the insured; the life and health signs data includes: 1. vital signs data, such as body temperature, heart rate, breathing Frequency, blood pressure, etc .; 2. Behavioral habits data, including diet, sleep, mood, exercise, etc .; 3. Medical index data, including blood glucose, blood oxygen, and so on.

The intelligent classification module is used to receive and classify the life and health signs data collected by the detection module; the intelligent classification module classifies the life and health signs data into the following 5 categories: A, normal; B, health consultation; C, See your doctor as soon as possible; D. See your doctor immediately; E. First aid.

The sending module is used to distributed, encrypted, and securely send the user's health classification status received from the intelligent classification module to the user himself, contacts, monitoring service center, third-party service platform, insurance company platform, volunteer platform , And other participants in the ecosystem.

As a preferred technical solution of the present invention, the present invention adopts blockchain technology. The wearable smart terminal, the monitoring service center, the third-party service platform, the insurance company platform, and the volunteer platform will collect The data is distributed to each of the big data servers, and all participants are scored with tokens, which can be transferred and used. The invention adopts the application of the blockchain technology, which is specifically: 1. There is a reward for logging in every day; 2. There is a reward for the authentication of other people's data; 3. If there is an abnormality in the user, provide help and reward; 4. Share with others. Reward; all participants (wearable smart end users, third-party service platforms, insurance company platforms, monitoring service centers, volunteer platforms, big data servers) are scored with tokens, which can be transferred and used; its advantages are: 1. Once the data is tampered, all participants will know that it can avoid data tampering and ensure the authenticity and credibility of the data; 2. The data is real-time and can dynamically monitor the collected data.

As a preferred technical solution of the present invention, the big data server includes a data acquisition module, a data storage module, and a data analysis module;

The data collection module is configured to receive and collect real-time health data of users from the wearable smart terminal and diagnostic data from the third-party service platform;

The data storage module is configured to store data from the data acquisition module and the data analysis module;

The data analysis module is configured to perform calculation analysis on real-time health data and diagnosis data of users from the data collection module.

As a preferred technical solution of the present invention, the wearable smart terminal uses wearable bracelets, watches, necklaces, clothes, shoes, socks, belts and other clothing, clothing, or sports protective gear.

As a preferred technical solution of the present invention, the services provided by the monitoring service center include health reports, health consultations, medical consultations, green channels, automatic alarms, manual alarms, emergency rescues, and the like.

In addition, the present invention also provides a method for implementing the intelligent health management and life safety insurance system, including the following steps:

(1) The insurance company provides the wearable smart terminal to the insured, and the wearable smart terminal detects the health status of the insured in real time;

(2) The big data server receives real-time health data of the insured collected from the wearable smart terminal and diagnostic data collected from the third-party service platform. After analyzing the data, artificial intelligence automatically forms an insured health assessment analysis report. , Can be transmitted to the insurance company;

(3) Based on the health evaluation analysis report of the insured, or further evaluation, the insurance company refuses the insurance if the evaluation results do not meet the required conditions. If the required conditions are met, the insurance contract takes effect, and the wearable smart terminal continues to be carried out on the insured. Daily real-time detection;

(4) The evaluation is based on the daily real-time detection data of the wearable smart terminal. If it is found that the health conditions are not met, timely feedback to the following objects: the insured himself, the contact person, the monitoring service center, the third-party service platform, and the insurance company Platforms, volunteer platforms, etc .;

(5) The system provides services such as health reports, health consultations, medical consultations, green channels, automatic alarms, manual alarms, emergency rescues and other services to the insured, and urges the insured and its contacts to self-adjust for different health conditions 2. Go to the designated service agency or other agencies and deal with it in time to restore the health status as soon as possible;

(6) According to the health condition of the user, the insurance company can dynamically adjust the sum insured, premium, refusal, fixed loss, and automatic claims settlement. If the insured does not respond in time and fails to meet the health conditions for more than N times (for example, 3 times), the insurance company can dynamically adjust the rate, sum insured or denial of insurance; the system is based on the behavior and health status of the insured. Artificial intelligence evaluates, determines damages and informs insurance companies for automatic claims settlement.

As a preferred technical solution of the present invention, in step (3), when the insurance contract becomes effective, the insurance contract can be used for bank mortgage and loan.

Compared with the prior art, the beneficial effects of the present invention are:

1. Provide customers with intelligent health management and life safety monitoring systems, monitor them in real time, provide targeted feedback, and use big data as the support to dynamically adjust rates and insurance amounts based on the monitoring results, while combining health management, medical rehabilitation, and emergency response. Rescue and financial services, a new insurance business that will make insurance services available before and during the event, realize insurance service + real-time, and improve user experience.

2. Simplify the current underwriting and claims procedures for health insurance products, reduce labor costs for insurance companies, and improve user experience;

3. Expand the customer base—Persons who did not accept insurance before can apply for the product with controllable risks, and do not need prior medical examination;

4. Expand sales channels, improve sales efficiency, and reduce customer acquisition costs;

5. Customers are healthier and longer-lived, and customer experience and stickiness are greatly improved;

6. Improve user loyalty and life brand-insurance is always with you, and it is convenient and convenient;

7. Revenue increased due to the increase of new customer groups, increased market share of differentiated products, prolonged user insurance time, and value-added services;

8. Reduce the surrender rate and the cost of customer acquisition, thereby increasing profits and profit margins;

9. The payout rate is reduced;

10. Share health big data, make insurance before and during the event, intelligentize the functions of underwriting, underwriting, determining losses, and claiming, and reduce labor costs.

11. The present invention adopts blockchain technology. Once the data is tampered, all participants will know that it can avoid data tampering and ensure the authenticity and credibility of the data. In addition, the data is real-time and can dynamically monitor the collected data.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is a schematic structural diagram of an intelligent health management and life safety insurance system according to the present invention.

FIG. 2 is a schematic structural diagram of a wearable smart terminal in the system of the present invention.

FIG. 3 is a structural framework diagram of a big data server in the system of the present invention.

FIG. 4 is a program flowchart of a method for implementing an intelligent health management and life safety insurance system according to the present invention.

detailed description

The present invention is further described below with reference to the drawings and specific embodiments.

As shown in Figure 1, an intelligent health management and life safety insurance system of the present invention includes: a wearable intelligent terminal, a big data server, a monitoring service center, a third-party service platform, a volunteer platform, and an insurance company platform; a third-party service The platforms include medical institutions, fitness institutions, diet and nutrition institutions, psychological counseling institutions, etc .; the volunteer platforms include volunteer networks, social public resources, community property platforms, nursing homes, etc. The big data server is connected to a wearable smart terminal, a monitoring service center, a third-party service platform, and an insurance company platform through a network; the wearable smart terminal is used to automatically detect and collect health data of the insured in real time, and The health data and other information of the insured (for example, information such as age, gender, blood type, medical history, allergy history, etc.) are distributed to each of the big data servers; the third-party service platform distributes the insured's diagnostic data To each of the big data servers; the big data servers receive real-time health data collected from the wearable smart terminal and diagnostic data collected from the third-party service platform, store the data, and Analyze the data to form an insured health report; the insurance company platform receives the insured health reports from the various big data servers, and automatically underwrites or claims based on the reports; the monitoring service center receives The insured health report of each big data server The wearable intelligent terminal user ie insurers to provide health reporting, health advice, seek medical inquiry, the green channel, automatic alarm, manual alarm, emergency and rescue services. The present invention adopts blockchain technology, and the wearable intelligent terminal, the monitoring service center, the third-party service platform, the insurance company platform, and the volunteer platform distribute the collected data to each of the distributed The big data server scores tokens for all participants, and the tokens can be transferred and used. The invention adopts the application of the blockchain technology, which is specifically: 1. There is a reward for logging in every day; 2. There is a reward for the authentication of other people's data; 3. If there is an abnormality in the user, provide help and reward; 4. Share with others. Reward; all participants (wearable smart end users, third-party service platforms, insurance company platforms, monitoring service centers, volunteer platforms, big data servers) are scored with tokens, which can be transferred and used; its advantages are: 1. Once the data is tampered, all participants will know that it can avoid data tampering and ensure the authenticity and credibility of the data; 2. The data is real-time and can dynamically monitor the collected data.

As shown in FIG. 2, the wearable smart terminal includes a positioning module, a communication module, a detection module, a smart classification module, and a sending module; the positioning module is used to intelligently locate a user of the wearable smart terminal, that is, an insured person. Location; the communication module is used for wired or wireless connection to the network; the detection module is used to automatically detect and collect the life and health signs data of the wearable smart terminal user, ie, the insured, in real time Including: 1. Vital signs data, such as body temperature, heart rate, breathing frequency, blood pressure, etc .; 2. Behavioral habits data, including diet, sleep, mood, exercise, etc .; 3. Medical index data, including blood glucose, blood oxygen, and so on. The intelligent classification module is used to receive and classify the life and health signs data collected by the detection module; the intelligent classification module classifies the life and health signs data into the following 5 categories: A, normal; B, health consultation; C, See your doctor as soon as possible; D. See your doctor immediately; E. First aid. The sending module is used to distributed, encrypted, and securely send the user's health classification status received from the intelligent classification module to the user himself, contacts, monitoring service center, third-party service platform, insurance company platform, volunteer platform , And other participants in the ecosystem. The wearable smart terminal may use wearable bracelets, watches, necklaces, clothes, shoes, socks, belts and other clothing, clothing, or sports protective gear.

As shown in FIG. 3, the big data server includes a data acquisition module, a data storage module, and a data analysis module; the data acquisition module is configured to receive and collect real-time health data of users from the wearable smart terminal and from the user Diagnostic data of a third-party service platform; the data storage module is configured to store data from the data acquisition module and the data analysis module; the data analysis module is used to real-time users from the data acquisition module Health data and diagnostic data are calculated and analyzed.

As shown in FIG. 4, the present invention also provides a method for implementing an intelligent health management and life safety insurance system, including the following steps:

(2) The big data server receives real-time health data of the insured collected from the wearable smart terminal and diagnostic data collected from the third-party service platform, and analyzes the data to automatically form an insured health assessment analysis report. To the insurance company;

(3) Based on the health evaluation analysis report of the insured, or further evaluation, the insurance company refuses the insurance if the evaluation results do not meet the required conditions. If the required conditions are met, the insurance contract takes effect, and the wearable smart terminal continues to be carried out on the insured. Daily real-time detection; when the insurance contract takes effect, the insurance contract can be used for bank mortgages and loans;

(5) The system provides services such as health reports, health consultations, medical consultations, green channels, automatic alarms, manual alarms, emergency rescue and other services to the insured; and urges the insured and its contacts to self-adjust for different health conditions 2. Go to the designated service agency or other agencies and deal with it in time to restore the health status as soon as possible;

(6) According to the health condition of the user, the insurance company can dynamically adjust the sum insured, premium, refusal, fixed loss, and automatic claims settlement. If it is found that the feedback from the insured is not processed in time and the health conditions are not met 3 times or more, the insurance company may dynamically adjust the rate, sum insured or deny the insurance; if the feedback that does not meet the health conditions is less than 3 times, the system will The insurer's behavior and health status, artificial intelligence to assess, determine the damage and inform the insurance company to make automatic claims.

Claims

An intelligent health management and life safety insurance system, comprising: a wearable smart terminal, a big data server, a monitoring service center, a third-party service platform, and an insurance company platform; the big data server and the wearable smart terminal, respectively , Monitoring service centers, third-party service platforms, and insurance company platforms are connected through the network; third-party service platforms include medical institutions, fitness institutions, diet and nutrition institutions, and psychological consulting agencies;

The wearable smart terminal is used to automatically detect and collect health data of the insured in real time, and transmit the data to the big data server;

The third-party service platform transmits diagnostic data of the insured to the big data server;

The big data server receives real-time health data of the insured collected from the wearable smart terminal and diagnostic data collected from the third-party service platform, stores the data, and analyzes the data to form an insured health report;

The insurance company platform receives an insured health report from the big data server, and automatically underwrites or claims based on the report;

The monitoring service center receives the health report of the insured from the big data server, and provides services to the wearable smart terminal user, the insured, according to the situation.
The system according to claim 1, further comprising a volunteer platform including a volunteer network, a social public resource, a community property platform, and a nursing home.
The system according to claim 1, wherein the wearable smart terminal comprises a positioning module, a communication module, a detection module, an intelligent classification module, and a sending module;

The positioning module is used to intelligently locate the user of the wearable smart terminal, that is, the insured;

The communication module is used for wired or wireless connection to the network;

The detection module is configured to automatically detect and collect data on life and health signs of a user of the wearable smart terminal, that is, an insured person;

The intelligent classification module is configured to receive and classify life and health signs data collected by the detection module;

The sending module is used to distributed, encrypted, and securely send the user's health classification status received from the intelligent classification module to the user himself, contacts, monitoring service center, third-party service platform, insurance company platform, volunteer platform .
The system according to claim 3, wherein the vital health data includes vital vital data, behavioral habit data, and medical index data; the intelligent classification module divides the vital health data into the following five categories: A, Normal; B. Health consultation; C. See a doctor as soon as possible; D. See a doctor immediately; E. First aid.
The system according to claim 2, wherein the wearable smart terminal, the monitoring service center, the third-party service platform, the insurance company platform, and the volunteer platform distribute the collected data It is transmitted to each of the big data servers, and the blockchain technology is used to score all participants with tokens, which can be transferred and used.
The system according to claim 1, wherein the big data server comprises a data acquisition module, a data storage module, and a data analysis module;

The data collection module is configured to receive and collect real-time health data of users from the wearable smart terminal and diagnostic data from the third-party service platform;

The data storage module is configured to store data from the data acquisition module and the data analysis module;

The data analysis module is configured to perform calculation analysis on real-time health data and diagnosis data of users from the data collection module.
The system according to claim 3, wherein the wearable smart terminal is a wearable bracelet, watch, necklace, clothes, shoes, socks, belt, or other clothing, clothing, or sports protective gear.
The system according to claim 1, wherein the services provided by the monitoring service center include health reports, health consultations, medical consultations, green channels, automatic alarms, manual alarms, and emergency rescue.
A method for implementing an intelligent health management and life safety insurance system according to any one of claims 1 to 8, further comprising the following steps:

(1) The insurance company provides the wearable smart terminal to the insured, and the wearable smart terminal detects the health status of the insured in real time;

(2) The big data server receives real-time health data of the insured collected from the wearable smart terminal and diagnostic data collected from the third-party service platform. After analyzing the data, artificial intelligence automatically forms an insured health assessment analysis report. To the insurance company;

(3) Based on the health evaluation analysis report of the insured, or further evaluation, the insurance company refuses the insurance if the evaluation results do not meet the required conditions. If the required conditions are met, the insurance contract takes effect, and the wearable smart terminal continues to be carried out on the insured Daily real-time detection;

(4) The evaluation is based on the daily real-time detection data of the wearable smart terminal. If it is found that the health conditions are not met, timely feedback to the following objects: the insured himself, the contact person, the monitoring service center, the third-party service platform, and the insurance company Platform, volunteer platform;

(5) The system provides services such as health reports, health consultations, medical consultations, green channels, automatic alarms, manual alarms, and emergency rescue to the insured;

(6) According to the health condition of the user, the insurance company can dynamically adjust the sum insured, premium, refusal, fixed loss, and automatic claims settlement.
The method according to claim 9, characterized in that, in step (3), when the insurance contract becomes effective, the insurance contract can be used for bank mortgage and loan.