Devices and methods for managing risk profiles
OwnerDavid A. DILL, Cheryl Dill +2inventors
InventorsDavid A. DILL, Cheryl Dill, Stephanie C. Dill, Andrea P. Terril
Life of this patent
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Abstract
The present application provides a method for determining and managing a subject's risk profile. The risk profile may include the presence or absence of nocturia. The present application further provides methods of using such a risk profile, such methods for underwriting or managing the cost of life insurances or health insurances, methods for calculating risk associated with the risk profile in an insurance candidate/insured subject, and methods for improving lifespan of the insured based on the risk profile.
Claims19
A computer system, comprising a processor and a memory device, wherein the memory device stores a risk point matrix and wherein the processor is configured to:
- (1) receive or generate a risk profile concerning the subject, wherein the risk profile comprises a plurality of risk factors including a severity level of the subject's nocturia;
- (2) assign a risk point value to the subject based on the severity level of the subject's nocturia and a risk point matrix stored in the memory device;
- (3) assign additional risk point values to the subject based on other risk factors in the subject's risk profile;
- (4) determine a total risk point value of the subject;
- and
- (5a) if the total risk point value equals to or exceeds a predetermined threshold value, reject the subject as an insurance candidate, or
- (5b) if the total risk point value is below the predetermined threshold, generate an insurance premium for the subject based on an insurance premium matrix stored in the memory device.
A tangible computer readable medium having instructions stored thereon for insurance underwriting based on risk factors including the severity of nocturia, the instructions when executed by a processor causing the processor to:
- (1) receive or generate a risk profile concerning the subject, wherein the risk profile comprises a plurality of risk factors including the severity level of the subject's nocturia;
- (2) assign a risk point value to the subject based on the severity level of the subject's nocturia and the risk point matrix stored in the memory device;
- (3) assign additional risk point values to the subject based on other risk factors in the subject's risk profile;
- (4) determine a total risk point value of the subject;
- and
- (5a) if the total risk point value equals to or exceeds a predetermined threshold value, reject the subject as an insurance candidate, or
- (5b) if the total risk point value is below the predetermined threshold, generate an insurance premium for the subject based on an insurance premium matrix stored in the memory device.
A method for managing the cost of life insurances or health insurances, comprising:
- screening an insured subject for the presence or absence of one or more risk factors including nocturia, wherein the presence and severity of nocturia is determined by:
- (1) an answer provided by the insured subject or an authorized representative of insured subject or medical professional in response to a question about the average frequency of urination at night, and/or
- (2) measuring a level of urinary prostaglandin E2 (PGE2), urinary prostaglandin F2α (PGF2α), urinary nerve growth factor (UNGF), plasma arginine vasopressin (AVP), plasma atrial natriuretic hormone (ANH), plasma renin-angiotensin aldosterone (RAA) or combinations thereof in the insured subject;
- providing to the insured subject information about how to reduce risk associated with one or more risk factors present in the insured subject, wherein the information includes information about behavior, or medications, or diet, or drinking habit, or exercises that would help to reduce severity of nocturia or to reduce the risks associated with nocturia;
- and
- providing incentives to the insured subject to encourage positive behavior by the insured subject, wherein the incentive include reduced insurance premium or discounts or other form of financial or other reward based on proven performance of one or more positive behavior.
A computer system, comprising a processor and a memory device, wherein the memory device stores a risk point matrix and wherein the processor is configured to:
- Receive or generate a risk profile concerning the subject, wherein the risk profile comprises a plurality of risk factors including the severity level of the subject's nocturia;
- assign a risk point value to the subject based on the severity level of the subject's nocturia and the risk point matrix stored in the memory device;
- assign additional risk point values to the subject based on other risk factors in the subject's risk profile;
- and
- retrieve information about positive behavior that reduces risks associated with nocturia and/or other risk factors from the memory device and deliver the information to the subject.
A computer system, comprising a processor and a memory device, wherein the memory device stores a selection point matrix and wherein the processor is configured to:
- (1) receive or generate a selection profile concerning a potential candidate, wherein the selection profile comprises a plurality of selection factors including the severity level of the potential candidate's nocturia;
- (2) assign a selection point value to the subject based on the severity level of the potential candidate's nocturia and the risk point matrix stored in the memory device;
- (3) assign additional selection point values to the subject based on other selection factors in the potential candidate's selection profile;
- (4) determine a total selection point value of the potential candidate;
- and
- (5a) if the total selection point value equals to or exceeds a predetermined threshold value, accept the potential candidate as a clinical trial candidate, or
- (5b) if the total selection point value is below the predetermined threshold, reject the potential candidate as a candidate of the clinical trial.
A tangible computer readable medium comprising instructions stored thereon for selecting candidate for a clinical trial based on selection factors including the severity of nocturia, the instructions when executed by a processor causing the processor to:
- (1) receive or generate a selection profile concerning a potential candidate, wherein the selection profile comprises a plurality of selection factors including the severity level of the potential candidate's nocturia;
- (2) assign a selection point value to the potential candidate based on the severity level of the potential candidate's nocturia and the risk point matrix stored in the memory device;
- (3) assign additional selection point values to the subject based on other selection factors in the potential candidate's selection profile;
- (4) determine a total selection point value of the potential candidate;
- and
- (5a) if the total selection point value equals to or exceeds a predetermined threshold value, accept the potential candidate as a clinical trial candidate, or
- (5b) if the total selection point value is below the predetermined threshold, reject the potential candidate as a candidate of the clinical trial.
Dependencies are inferred from the claim text.