Patient data triggered pooling-system for risk sharing of cronic critical illness risks of cohorts of elderly persons and corresponding method thereof

摘要

#$%^&*AU2017265030A120171207.pdf#####Patient Data Triggered Pooling-System For Risk Sharing of Chronic Critical Illness Risks of Cohorts of Elderly Persons And Corresponding Method Thereof Abstract Proposed are a parametric, event-driven crit- ical illness insurance system based on a resource-pooling system (1) and method for risk sharing of critical illness risks associated with elderly persons by providing a dynamic self-sufficient risk protection for a variable number of risk exposure components (21, 22, 23) by means of the resource- pooling system (1). The resource-pooling system (1) corn- prises an assembly module (5) to process riskrelated corn- ponent data (211, 221, 23 1) and to provide the likelihood (212, 222, 232) of said risk exposure for one or a plurality of the pooled risk exposure components (21, 22, 23,...) based on the risk-related component data (211, 221, 231). The risk exposure components (21, 22, 23) are connected to the resource-pooling system (1) for the pooling of their risks and resources, and wherein the resource-pooling system (1) comprises an multiple event-driven core-engine (3) with critical illness triggers (31, 32, 33) triggering in a patient dataflow pathway (213, 223, 233) to provide risk protection for a specific risk exposure component (21, 22, 23) for the occurrence of acute and/or chronic critical illnesses, as e.g. dementia and/or heart attack. The operation of the resource pooling system (1) is further supported by a parametric mul- ti-trigger stage risk-cover.