Personal Health Data Gathering for Incentive and Insurance Rating Purposes

摘要

An insurance method and computer system provides incentives and insurance ratings to a policy holder. The policy holder may opt to participate in an incentives program in which the method and system may receive baseline personal health data that indicates a baseline health condition and a target goal to improve or maintain that baseline health condition over a specified time period. The method and system may then receive and analyze personal health data generated by a sensor that monitors a current health condition over the specified time period to determine whether the target goal has been achieved. The method and system may provide an indication of an incentive to the policy holder in response to receiving the personal health data generated by the sensor, and may provide an indication of a further incentive in response to determining that the target goal has been met.

主权项

1. A computer-implemented method of encouraging low-loss personal health behaviors, the method comprising:
determining, via one or more processors executing a processor-implemented instruction module, if an individual insurance policy holder has opted to participate in an incentives program; in response to determining that the individual insurance policy holder has opted to participate in the incentives program, receiving, via the processor-implemented instruction module, baseline personal health data generated by a sensor that measures a baseline personal health condition of the individual insurance policy holder; based on the received baseline personal health data, receiving, via the processor-implemented instruction module, a target goal set by the individual insurance policy holder to improve or maintain the baseline personal health condition of the individual insurance policy holder over a specified time period; receiving, via the processor-implemented instruction module, personal health data generated by the sensor that monitors a current personal health condition of the individual insurance policy holder over the specified time period; in response to having first received the personal health data generated by the sensor, providing, via the processor-implemented instruction module, an indication to the individual insurance policy holder to indicate that an incentive will be directly provided to the individual insurance policy holder; determining, via the processor-implemented instruction module, if the target goal has been achieved by analyzing the received personal health data and baseline personal health data to determine whether the baseline personal health condition of the individual insurance policy holder has been improved or maintained by the current personal health condition of the individual insurance policy holder over the specified time period; and in response to determining that the target goal has been achieved, providing, via the processor-implemented instruction module, another indication to the individual insurance policy holder to indicate that a further incentive will be directly provided to the individual insurance policy holder.