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CLINICAL DATA EVALUATION AND SCORING FOR NON CLINICAL PURPOSES SUCH AS BUSINESS METHODS FOR HEALTH INSURANCE OPTIONS
CLINICAL DATA EVALUATION AND SCORING FOR NON CLINICAL PURPOSES SUCH AS BUSINESS METHODS FOR HEALTH INSURANCE OPTIONS
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机译：非临床用途的临床数据评估和评分，例如健康保险选择的商业方法
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摘要
A method of doing business is disclosed for the sale of insurance options. An individual is assigned a Health Risk Score (HRS); in a preferred embodiment, the HRS is determined by using an automated case-based method for assessing risk. The individual may then purchase an option for insurance coverage that will begin only after a predetermined period of time. At the beginning of that period, the individual's HRS is re-evaluated, and if it remains within predetermined acceptable limits, the individual may then obtain insurance coverage with premiums and benefits defined at the time of the purchase of the option. A case-based method for assessing risk is disclosed, in which various risk factors and their combinations are used to provide a scoring matrix. This scoring matrix is then used to evaluate the individual's HRS.
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