Reducing risk using behavioral and financial rewards

Details Reducing risk using behavioral and financial rewards Reducing risk using behavioral and financial rewards

G - Physics

06

Q

G06Q 40/00 (2006.01)

Patent

CA 2310648

The invention provides a set of techniques and products in which one or more insured persons and one or more associated beneficiaries are monitored with regard to dynamic risk reassessment, given feedback information in response to that dynamic risk reassessment, and are encouraged to comply with the feedback. The insured persons and associated beneficiaries are coupled to a client-server system disposed for dynamic measurement of medical information, and the client-server system is disposed for alerting the insured persons and associated beneficiaries to suggested behaviors for reducing risk. The invention includes an insurance product in which portions of the insurance premium are allocated to one or more components, in response to compliance with the suggested behaviors.

L'invention concerne une série de techniques et de produits qui permet de surveiller au moins un individu assuré et au moins un bénéficiaire associé en fonction de la réévaluation des risques dynamique, des informations en retour données en réponse à la réévaluation des risques dynamique, et qui permet d'encourager ledit individu et assuré à se conformer au retour des informations. Ces individus et bénéficiaires sont couplés à un système client-serveur conçu pour mesurer de façon dynamique des informations médicales, et pour aviser lesdits individus et bénéficiaires des comportements suggérés en vue de réduire les risques. Cette invention a trait à un produit d'assurance dont les parties de la prime d'assurance sont attribuées à au moins un élément, en réponse à l'observation des comportements suggérés. -

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