Systems and methods for sensor-enhanced activity evaluation

摘要

Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.

主权项

1. An activity evaluation system for use in managing an insurance-related process, comprising:
a communications module operated by the insurance company comprising at least one processor configured to receive sensor data from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity and an activity evaluation for the individual; a computer processor, operated by the insurance company and in communication with the communications module, configured to:
adjust a term of an insurance policy covering the insured entity based on the sensor data and the activity evaluation, wherein the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive to the activity evaluation being indicative of desired activity by the individual; and an output device configured to provide an insurance recommendation to one or both of the insured entity and a healthcare provider that is based at least in part on the activity evaluation, wherein the insurance recommendation comprises one of a loss-control recommendation, an exposure management recommendation, an insurance risk evaluation recommendation, an underwriting workflow recommendation, and a claims management workflow recommendation.