首页>
外国专利>
Computerized medical underwriting of group life insurance using medical claims data
Computerized medical underwriting of group life insurance using medical claims data
展开▼
机译:使用医疗理赔数据的团体人寿保险的计算机化医疗承保
展开▼
页面导航
摘要
著录项
相似文献
摘要
A method of underwriting group life insurance for a policy period includes collecting medical claims data for the group to be underwritten, where each medical claim being related to a particular employee of the group. Morbidity categories are provided that categorize the medical claims in the medical claims data. A conditional probability model is developed and applied to the morbidity categories for each employee in the group using his medical claims, thereby calculating the expected conditional probability for each employee dying during the policy period. For each employee, an estimate of the expected life claim cost is estimated using an index of the life coverage to salary. Combining the expected conditional probability for each employee dying during the policy period with the estimate of the expected claim cost of death gives an estimate of the group's total life exposure.
展开▼