System for summerizing information for insurance underwriting suitable for use by an automated system
First Claim
1. A system for summarizing and standardizing attending physician statements for use in an insurance application underwriting system, the system comprising:
- means for accessing a general form for a patient;
means for verifying that the attending physician statement to be summarized and standardized corresponds to the patent associated with the general form;
means for entering information into a plurality of data fields within the general form based on information contained within the attending physician statement, where the plurality of data fields comprise at least one required field;
means for presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into any required data fields;
means for selecting at least one condition specific form;
means for entering information into a plurality of condition specific data fields within the at least one condition specific form based on information contained within the attending physician statement, where the plurality of condition specific data fields comprise at least one required data field; and
means for presenting the completed at least one condition specific form for validation.
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Abstract
A system to structure and summarize the key information required by automated decision-making systems for insurance underwriting is described. The automated underwriting system may be based on rules corresponding to underwriting components, wherein based on the degree of satisfaction of each rule, a component may be assigned to a category, and based on the category for each component, the insurance application may be assigned an underwriting category, or the automated underwriting system may be based on an evaluation of the similarity of a given application to previous application requests, to decide an underwriting category. Most of the key information required for automated insurance underwriting is structured and standardized, except for the Attending Physician Statement (APS), which is almost as unique as each individual physician. The system to structure and summarize the APS information captures the relevant variables that characterize a given medical impairment, allowing an automated reasoning system to determine the degree of severity of such impairment and to estimate the underlying insurance risk.
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Citations
76 Claims
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1. A system for summarizing and standardizing attending physician statements for use in an insurance application underwriting system, the system comprising:
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means for accessing a general form for a patient;
means for verifying that the attending physician statement to be summarized and standardized corresponds to the patent associated with the general form;
means for entering information into a plurality of data fields within the general form based on information contained within the attending physician statement, where the plurality of data fields comprise at least one required field;
means for presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into any required data fields;
means for selecting at least one condition specific form;
means for entering information into a plurality of condition specific data fields within the at least one condition specific form based on information contained within the attending physician statement, where the plurality of condition specific data fields comprise at least one required data field; and
means for presenting the completed at least one condition specific form for validation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system for summarizing and standardizing an information submission for use in an insurance application underwriting system, the system comprising:
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means for accessing a general form for an applicant;
means for verifying that the information submission to be summarized and standardized corresponds to the applicant associated with the general form;
means for entering information into a plurality of data fields within the general form based on information contained within the information submission, where the plurality of data fields comprise at least one required data field;
means for presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into the at least one required data field, and verifying that the data entered is within specific numerical or text ranges;
means for selecting at least one supplemental form;
means for entering information into a plurality of supplemental data fields within the at least one supplemental form based on information contained within the information submission, where the plurality of supplemental data fields comprise at least one required data field; and
means for presenting the completed at least one condition specific form for validation. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22)
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23. A system for summarizing and standardizing attending physician statements for use in an insurance application underwriting system, the system comprising:
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means for accessing a general form for an applicant;
means for verifying that the attending physician statement to be summarized and standardized corresponds to the applicant associated with the general form;
means for entering information into a plurality of data fields within the general form based on information contained within the attending physician statement, where the plurality of data fields comprise at least one required field; and
means for presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into the at least of the required data field and may include range (for numerical entries) and membership (for text entries) validation. - View Dependent Claims (24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38)
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39. A system for summarizing and standardizing attending physician statements for use in an insurance application underwriting system, the system comprising:
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an access module for accessing a general form for a patient;
a verification module for verifying that the attending physician statement to be summarized and standardized corresponds to the patent associated with the general form;
a selection module for selecting at least one condition specific form;
an input module for;
a) entering information into a plurality of data fields within the general form based on information contained within the attending physician statement, where the plurality of data fields comprise at least one required field; and
b) entering information into a plurality of condition specific data fields within the at least one condition specific form based on information contained within the attending physician statement, where the plurality of condition specific data fields comprise at least one required data field; and
a presentation module for;
a) presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into the at least one required data field; and
b) a presentation module for presenting the completed at least one condition specific form for validation. - View Dependent Claims (40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50)
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51. A system for summarizing and standardizing an information submission for use in an insurance application underwriting system, the system comprising:
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an access module for accessing;
a) a general form for an applicant; and
b) at least one supplemental form;
a verification module for verifying that the information submission to be summarized and standardized corresponds to the applicant associated with the general form;
an input module for;
a) entering information into a plurality of data fields within the general form based on information contained within the information submission, where the plurality of data fields comprise at least one required data field; and
b) entering information into a plurality of supplemental data fields within the at least one supplemental form based on information contained within the information submission, where the plurality of data fields comprises at least one required data field; and
a presentation module for;
a) presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into the at least one required data field;
b) means for presenting the completed at least one supplemental form for validation. - View Dependent Claims (52, 53, 54, 55, 56, 57, 58, 59, 60)
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61. A system for summarizing and standardizing attending physician statements for use in an insurance application underwriting system, the system comprising:
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an access module for accessing a general form for a patient;
a verification module for verifying that the attending physician statement to be summarized and standardized corresponds to the patient (better to use applicant) associated with the general form;
an input module for entering information into a plurality of data fields within the general form based on information contained within the attending physician statement, where the plurality of data fields comprise at least one required data field; and
a presentation module for presenting the completed general form for validation, where validation comprises ensuring that the information has been entered into the at least one required data field. - View Dependent Claims (62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76)
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Specification