MEANS AND METHOD OF OBTAINING AND PROCESSING DATA FOR USE IN MEDICAL OR HEALTH ASSESSMENT
First Claim
1. A method of obtaining and processing data for use in insurance underwriting;
- said method comprising;
a. compiling a set of influencing factors;
b. providing an application questionnaire including a series of application questions relating to a plurality of influencing factors;
c. providing a plurality of possible application responses to each application question;
d. assigning risk-scores to at least a portion of said application responses;
e. presenting said application questionnaire to an applicant;
f. collecting application responses to at least a portion of the application questions;
g. optionally compiling at least one expert questionnaire including all questions left unanswered by the applicant;
h. optionally presenting said expert questionnaires to at least one expert;
i. collecting responses to the expert questionnaires; and
,j. determining a total response for the applicant.
1 Assignment
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Accused Products
Abstract
Present invention discloses a system and a method of obtaining and processing data for use in insurance underwriting which comprise a set of influencing factors, provide an application questionnaire including a series of application questions relating to a plurality of influencing factors and a plurality of possible application responses to each application question, assign risk-scores to at least a portion of said application responses, present said application questionnaire to an applicant, collect application responses to at least a portion of the application questions, compile optionally at least one expert questionnaire including all questions left unanswered by the applicant, present optionally said expert questionnaires to at least one expert, and collect responses to the expert questionnaires and determine a total response for the applicant.
8 Citations
14 Claims
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1. A method of obtaining and processing data for use in insurance underwriting;
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said method comprising; a. compiling a set of influencing factors; b. providing an application questionnaire including a series of application questions relating to a plurality of influencing factors; c. providing a plurality of possible application responses to each application question; d. assigning risk-scores to at least a portion of said application responses; e. presenting said application questionnaire to an applicant; f. collecting application responses to at least a portion of the application questions; g. optionally compiling at least one expert questionnaire including all questions left unanswered by the applicant; h. optionally presenting said expert questionnaires to at least one expert; i. collecting responses to the expert questionnaires; and
,j. determining a total response for the applicant. - View Dependent Claims (2, 3, 5, 6, 7)
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4. The method according to claim I, additionally including a plurality of application questions with a plurality of selectable application responses.
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8. An insurance underwriting system of obtaining and processing data for use in insurance underwriting;
- said system comprising;
a. a set of influencing factors; b. an application questionnaire including a series of application questions relating to a plurality of influencing factors; c. a plurality of possible application responses to each application question; d. risk-scores assigned to each application response; e. a means of presenting said application questionnaire to an applicant; f. a means of collecting application responses to at least a portion of the application questions; g. at least one expert questionnaire including all questions left unanswered by the applicant; h. a means of presenting said expert questionnaires to at least one expert; i. a means of collecting responses to the expert questionnaires; and
,j. a means of determining a total risk-score for the applicant. - View Dependent Claims (9, 10, 11, 12, 13, 14)
- said system comprising;
Specification