Insurance processing systems and methods using mobile devices for medical monitoring

A method for operating a mobile device, comprising:

• installing a medical monitoring application associated with a user of said mobile device, said medical monitoring application including configuration data associated with at least a first medical monitoring rule, said medical monitoring application and said configuration data generated by an insurance company in response to an insurance request by said user;
• displaying, under control of said medical monitoring application, a series of instructions to cause said mobile device to be configured to communicate with at least a first biometric sensor;
• collecting, based on said at least first medical monitoring rule, a set of biometric data from said at least first biometric sensor;
• and
• transmitting said set of biometric data from said mobile device to a remote processing system.

A computer-implemented insurance processing method, comprising:

• receiving, by a computer system, an insurance request from a user, said insurance request including data identifying a medical condition of said user;
• determining that medical data associated with said user and said medical condition is required to process said insurance request;
• identifying, based on said medical condition, at least a first medical monitoring rule;
• providing, to a mobile device associated with said user, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said mobile device associated with said user;
• receiving, from said mobile device, biometric data associated with said first medical monitoring rule;
• and
• processing, by a computer system, said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data.

A portable wireless communication device, comprising:

• a touch-sensitive display screen;
• a communication port;
• a processor;
• a memory;
• and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including:
• instructions for presentation to a user of said device, said instructions defining a sequence of steps to configure a sensor for use with said device, the instructions established based on configuration data defined by at least a first medical monitoring rule identified in response to an insurance request by said user;
• instructions for collecting data from said sensor, said instructions including information specifying a schedule for said collecting and information specifying a user authentication process, the schedule for said collecting based on configuration data defined by said at least first medical monitoring rule;
• and
• instructions for transmitting said collected data and said results of said user authentication process to a remote insurance processing system using said communication port.

A computer-implemented insurance processing method, comprising:

• receiving, at an insurance computer system, an insurance request associated with a policy covering a plurality of individuals, said insurance request including data identifying said plurality of individuals and an associated medical condition of said individuals;
• determining that medical data associated with said plurality of individuals and said associated medical condition is required to process said insurance request;
• identifying, based on said medical condition, at least a first medical monitoring rule;
• providing, to a plurality of mobile devices associated with said plurality of individuals, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said plurality of mobile devices associated with said plurality of individuals;
• receiving, from each of said plurality of mobile devices, biometric data associated with said first medical monitoring rule collected from each of said plurality of individuals;
• and
• processing said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data.