| 摘要 |
A Personal Health Application (PHA) management system stores templates that are used to generate customized PHA documents. The PHA management system receives a request for a PHA document, where the request includes information that describes a new insurance policy or modification of a policy that an insurance consumer is requesting, that indicates the state or other area in which the insurance consumer lives, that indicates the reason that the consumer is requesting the new policy or modification, and/or other information. The PHA management system generates a PHA document based on a stored template and the information included in the request, and the generated PHA document may be provided to the insurance consumer. |
| 主权项 |
1. A system for generating a customized Personal Health Application document related to an insurance policy associated with a group insurance plan, the system comprising:
a communication interface configured to receive a message from a computing device that indicates a request for a customized Personal Health Application document for obtaining evidence of insurability information and identifying the insurance consumer, wherein the group insurance plan is offered by an employer of the insurance consumer; and at least one processor configured to:
obtain consumer data that indicates one or more attributes of the insurance consumer;obtain employer data that indicates one or more attributes of the employer of the insurance consumer;obtain jurisdiction data that identifies a jurisdiction whose legal requirements apply to the customized Personal Health Application document; andobtain a template document including data and at least a first conditional expression and a second conditional expression, the template document for generating the customized Personal Health Application document, including information that indicates a plurality of questions that solicit evidence of insurability information;evaluate the first conditional expression to filter a first question from the plurality of questions to indicate whether the first question from the plurality of questions should be included in the customized Personal Health Application document based on at least one of the consumer data, the employer data, and the jurisdiction data;evaluate the second conditional expression to indicate that concepts identified in the template document be described using particular words or phrases in the customized Personal Health Application document as determined based on at least one of the consumer data, the employer data, and the jurisdiction data; and generate the customized Personal Health Application document including the first filtered question and the described concepts, wherein the document is based on the template data, the insurance consumer data, the employer data, and the jurisdiction data; and wherein the communication interface is further configured to transmit the customized Personal Health Application document to the computing device for presentation to the insurance consumer, wherein the plurality of questions includes a second question, wherein the second question solicits information that the insurance consumer is required to provide to in order to obtain a disability insurance policy, and wherein the template data includes a third conditional expression that indicates that the second question should be included in the customized Personal Health Application document when the insurance policy within a group insurance plan is a disability insurance policy. |
