Parametric draw-down system for risks sharing of critical illness risk and corresponding method thereof

摘要

Proposed area parametric, event-driven critical illness insurance system based on a resource-pooling system (1) and method for risk sharing of critical illness risks of a variable number of risk exposure components (21, 22, 23) by providing a dynamic self-sufficient risk protection for the risk exposure components (21, 22, 23) by means of the resource-pooling system (1). The resource-pooling system (1) comprises an assembly module (5) to process risk-related component data (211, 221, 231) 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 event-driven core-engine (3) with critical illness triggers (31, 32, 33) triggering in a patient data flow pathway (213, 223, 233) to provide risk protection for a specific risk exposure component (21, 22, 23). The operation of the resource pooling system (1) is supported by a parametric draw-down risk-cover which can additionally be related to multiple occurrences of critical illness parameters 71,72,73 triggered in the related patient data flow pathway (213, 223, 233).