HEALTH INSURANCE RISK ASSESSMENT SYSTEM BASED ON BIO-INFORMATION

摘要

Disclosed is a health insurance risk assessment system based on bio-information, comprising: a risk assessment database system, a database search engine, and a biological underwriting and claims assessment risk index analysis system, wherein the risk assessment database system is connected to the biological underwriting and claims assessment risk index analysis system by means of the database search engine. The risk assessment database system comprises a historical risk assessment database, a realistic risk assessment database, a predictive risk assessment database, a financial risk level assessment database, a biological recognition risk assessment database, a health insurance underwriting index library, and an actuarial rate index library. The biological underwriting and claims assessment risk index analysis system comprises a bio-gene detection subsystem, a human health early warning subsystem, and a biological underwriting risk control subsystem. The present invention assesses health insurance by using multidimensional information databases having quantitatively graded information and in combination with bio-information, thereby reducing assessment risks and underwriting costs.