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Patient data triggered pooling-system for risk sharing of cronic critical illness risks of cohorts of elderly persons and corresponding method thereof
Patient data triggered pooling-system for risk sharing of cronic critical illness risks of cohorts of elderly persons and corresponding method thereof
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机译:用于老年人群的慢性危疾风险分担的患者数据触发汇总系统及其相应方法
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摘要
Proposed are a parametric, event-driven critical illness insurance system based on a resource-pooling system (1) and method for risk sharing of critical illness risks associated with elderly persons by providing a dynamic self-sufficient risk protection for a variable number of 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 multiple event-driven core-engine (3) with critical illness triggers (31, 32, 33) triggering in a patient dataflow pathway (213, 223, 233) to provide risk protection for a specific risk exposure component (21, 22, 23) for the occurrence of acute and/or chronic critical illnesses, as e.g. dementia and/or heart attack. The operation of the resource pooling system (1) is further supported by a parametric multi-trigger stage risk-cover.
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