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DYNAMIC MODELING AND SCORING RISK ASSESSMENT

  • US 20080033767A1
  • Filed: 08/08/2007
  • Published: 02/07/2008
  • Est. Priority Date: 09/25/1998
  • Status: Active Grant
First Claim
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1. A method for pricing insurance premiums for a group including at least one individual based upon aggregate risk information, comprising:

  • acquiring a first set of data from each individual of the group regarding health information;

    assigning a first risk score to the group based upon analysis of the first set of data from each individual of the group;

    storing said first risk score of the group;

    computing a first insurance premium for the group based upon the first risk score of the group;

    acquiring a second set of data from each individual of the group regarding health information;

    assigning a second risk score to the group based upon the second set of data;

    storing said second risk score of the group; and

    computing a second insurance premium for the group based upon the second risk score for the group.

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