Systems and Methods For Sensor-Based Activity Evaluation
First Claim
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1. An activity evaluation system comprising:
- a communications device configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and
a computer hardware server, operated by a risk management entity and in communication with the communications device, configured to adjust data corresponding to a parameter of the risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual;
wherein the computer hardware server is further configured to generate, based at least in part on the activity evaluation, data indicative of a risk management recommendation for one or both of the covered entity and a healthcare provider, and output a communication having the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider.
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Abstract
Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user'"'"'s employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.
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Citations
20 Claims
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1. An activity evaluation system comprising:
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a communications device configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and a computer hardware server, operated by a risk management entity and in communication with the communications device, configured to adjust data corresponding to a parameter of the risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual; wherein the computer hardware server is further configured to generate, based at least in part on the activity evaluation, data indicative of a risk management recommendation for one or both of the covered entity and a healthcare provider, and output a communication having the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for evaluating activity of an individual associated with and distinct from a covered entity, comprising:
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receiving by a server hardware, the server hardware comprising at least one processor, (1) sensor data based on at least one sensor monitoring activity of the individual associated with and distinct from the covered entity, and (2) an activity evaluation for the individual; adjusting, by the server hardware, data corresponding to risk management parameters covering the covered entity based on the sensor data and the activity evaluation, the adjusting comprising adjusting the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual; generating, by the server hardware, based at least in part on the activity evaluation, data indicative of a risk management recommendation to one or both of the covered entity and a healthcare provider; and outputting, by an output device, the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. An activity evaluation system for use in managing a risk management policy, comprising:
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a communications device operated by a risk management entity configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and a computer hardware server, operated by the risk management entity and in communication with the communications device, configured to adjust data corresponding to a parameter of the risk management policy covering the covered entity based on the sensor data, the activity evaluation, and demographic data about the individual, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual; wherein the computer hardware server is further configured to generate, based at least in part on the activity evaluation, data indicative of a risk management recommendation for one or both of the covered entity and a healthcare provider, and output the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider. - View Dependent Claims (19, 20)
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Specification