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A cloud based health insurance plan recommendation system: A user centered approach

机译:基于云的健康保险计划推荐系统:以用户为中心的方法

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摘要

The recent concept of "Health Insurance Marketplace" introduced to facilitate the purchase of health insurance by comparing different insurance plans in terms of price, coverage benefits, and quality designates a key role to the health insurance providers. Currently, the web based tools available to search for health insurance plans are deficient in offering personalized recommendations based on the coverage benefits and cost. Therefore, anticipating the users' needs we propose a cloud based framework that offers personalized recommendations about the health insurance plans. We use the Multi-attribute Utility Theory (MAUT) to help users compare different health insurance plans based on coverage and cost criteria, such as: (a) premium, (b) co-pay, (c) deductibles, (d) co-insurance, and (e) maximum benefit offered by a plan. To overcome the issues arising possibly due to the heterogeneous data formats and different plan representations across the providers, we present a standardized representation for the health insurance plans. The plan information of each of the providers is retrieved using the Data as a Service (DaaS). The framework is implemented as Software as a Service (SaaS) to offer customized recommendations by applying a ranking technique for the identified plans according to the user specified criteria.
机译:通过在价格,承保范围和质量方面比较不同的保险计划来引入最新的“健康保险市场”概念,以促进健康保险的购买,这为健康保险提供者发挥了关键作用。当前,可用于搜索健康保险计划的基于Web的工具不足以根据承保范围和成本提供个性化建议。因此,根据用户的需求,我们提出了一个基于云的框架,该框架提供有关健康保险计划的个性化建议。我们使用多属性效用理论(MAUT)帮助用户根据承保范围和成本标准比较不同的健康保险计划,例如:(a)保费,(b)共付额,(c)自付额,(d)合作方-保险,以及(e)计划提供的最大利益。为了克服可能由于异构数据格式和提供商之间不同的计划表示而引起的问题,我们提出了健康保险计划的标准化表示。使用数据即服务(DaaS)检索每个提供者的计划信息。该框架被实现为软件即服务(SaaS),以通过根据用户指定的标准对所识别的计划应用排名技术来提供定制的建议。

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