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Software, system and method for computer based assessing of health insurance risk profiles for a group seeking health insurance and providing a composite insurance policy
Software, system and method for computer based assessing of health insurance risk profiles for a group seeking health insurance and providing a composite insurance policy
The present invention provides a computer system including software with computer implemented methods for assessing health insurance risk profiles for a company group and for its individual employees, which system provides methods for assigning the appropriate health insurance costs and/or rates for the company group. In a preferred aspect, the software and methods provide an improved way to manage and control medical costs through lower administration and sales costs. The present invention further relates to electronic commerce in general, and, more particularly, to a computer implemented data processing system that provides an efficient market for the provision of insurance directly to those seeking insurance by an online computer insurance brokerage, rating and underwriting service that is combined with carrier and/or third party provider services and which may optionally avoid the need for those seeking such insurance to utilize a broker/agent/consultant.
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