Medical insurance system

• US 20010056360A1
• Filed: 04/24/2001
• Published: 12/27/2001
• Est. Priority Date: 04/25/2000
• Status: Abandoned Application

• Current Assignee: Ishii, Hikaru
• Original Assignee: Ishii, Hikaru
• Inventors: Ishii, Hikaru
• Application Number:
  US09/840,841
• Publication Number:
  US 20010056360A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A medical insurance system wherein disclosure of preexisting conditions is appropriately performed upon the creation of an insurance contract. A party wishing to purchase insurance from an insurance company 10 agrees that personal medical data obtained from a database 16 of a medical facility 14, possibly including data from a physical examination conducted at the medical facility 14 or a prior diagnosis of illness, is stored in a database 12 of the insurance company 10. The parties agree that in this manner disclosure of preexisting conditions is regarded as being complete. Disclosure of preexisting conditions is easily and accurately performed.

Claims

1. A medical insurance system for paying prescribed benefits for medical treatment of sickness or bodily injury comprising:

a database in which an insurer stores personal medical data about the health of an individual;

wherein

disclosure of preexisting conditions is regarded as being completed when said personal medical data of the individual is stored in said database.

2. A medical insurance system according to

claim 1

, wherein a percentage of exclusions is established against said disclosed preexisting conditions of the individual according to details of the preexisting conditions.

3. A medical insurance system according to

claim 1

or

2

, wherein said medical data is received from a database of a medical facility at which the individual has received a diagnosis or a physical examination.

4. A medical insurance system according to

claim 3

, wherein said medical data stored in the database of said medical facility is accessible to an insurer.

5. A medical insurance system according to

claim 3

, wherein said medical data stored in the database of said medical facility is delivered to a database of the insurer through a network.

6. A medical insurance system according to any one of

claims 3

to

5

, wherein the medical data stored in the database of said medical facility is can be accessed by another medical facility through a network.

7. A medical insurance system according to any one of

claims 3

to

5

, wherein the medical data stored in the database of said medical facility can be stored in a portable health data system.