Dynamic modeling and scoring risk assessment

摘要

The invention provides for modeling and scoring risk-assessment and a set of insurance products derived therefrom. Risk indicators are determined at a selected time. A population is assessed at that time and afterward for those risk indicators and for consequences associated therewith. Population members are coupled to client devices for determining risk indicators and consequences. A server receives data from each client, and in response thereto and in conjunction with an expert operator, (1) reassesses weights assigned to the risk indicators, (2) determines new risk indicators, (3) determines new measures for determining risk indicators and consequences, and (4) presents treatment options to each population member. The server determines, in response to the data from each client, and possibly other data, a measure of risk for each indicated consequence or for a set of such consequences. The server provides this measure with regard to each population member, or with regard to population subsets. The expert operator uses this measure to determine either (1) an individual course of treatment, (2) a resource utilization review model, (3) a risk-assessment model, or (4) an insurance pricing model, for each individual population member or for selected population subsets. Information requested by the client, information determined and presented by the server, and responsive measurements, are adapted dynamically to changing population aspects or changing population membership, or of an external environment having relevance to the population.