PATIENT DATA TRIGGERED SYSTEM FOR RISK TRANSFER LINKED TO PROLONGING INDEPENDENT LIVING BY ELDERLY ILLNESS OCCURRENCE AND CORRESPONDING METHOD THEREOF

摘要

Proposed is a patient data-driven insurance system for multi-pillar triggered risk transfer associated with prolonged independent living under elderly illness occurrence by providing a dynamic self-sufficient risk protection for a variable number risk exposure components (21, 22, 23,...) by means of a resource pooling system (1). The system (1) generates a multi-dimensional trigger-table (7) comprising a multi-layered data structure with predefined searchable elderly illness (71,..., 75) parameters for triggering, by means of elderly illness triggers (31,..., 35) in the patient dataflow pathway (213, 223, 233), the predefined parameters of a first-layer data structure (71) providing measuring parameters for the occurrence of serious elderly illnesses, and the predefined parameters of a second-layer data structure (72) providing measuring parameters for the occurrence of an acute broken bone trauma, and the predefined parameters of a third-layer data structure (73) providing measuring parameters for long-term care indications, and the predefined parameters of a fourth-layer data structure (74) providing measuring parameters for assisted living indications, and the predefined parameters of a fifth-layer data structure (75) providing measuring parameters for extended assistance indications. The insurance system (1) comprises elderly illness triggers (31,..., 35) triggering measuring values in patient dataflow pathways (213, 223, 233) of the connected risk exposure components (21, 22, 23,...). If an occurrence of an elderly illness (71,..., 73) is triggered by exceeding one of the predefined searchable elderly illness (71,..., 75) parameters, a corresponding trigger-flag is set and a parametric transfer of payments is assigned to that trigger-flag, wherein a loss associated with the acute or chronic elderly illness (71,..., 75) is covered separately by the insurance system (1) based on the respective trigger-flag and based on the received and stored payment parameters (214, 224, 234) from risk exposure components (21, 22, 23) by at least one parametric payment transfer to the risk exposure component (21, 22, 23,...), i.e., the insured elderly person.