Systems and methods of automating determination of hepatitis risk

• US 8,019,628 B1
• Filed: 07/31/2007
• Issued: 09/13/2011
• Est. Priority Date: 12/28/2005
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Goral, James E.
• Primary Examiner(s): Morgan; Robert W
• Assistant Examiner(s): SEREBOFF, NEAL
• Application Number:
  US11/831,293
• Time in Patent Office: 1,505 Days
• Field of Search: 705 2- 4
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 50/30 for calculating health indices; for individual health risk assessment
• CPC Class Codes: G16H 70/60 relating to pathologies
• CPC Class Codes: Y02A 90/10 Information and communication technologies [ICT] supporting adaptation to climate change, e.g. for weather forecasting or climate simulation

Abstract

Systems, methods, and computer-readable media automate determination of a risk category for hepatitis associated with issuance of a life insurance policy.

Claims

1. A non-transitory computer-readable medium tangibly storing computer-executable hepatitis risk evaluation, said instructions comprising instructions for:

receiving at least one risk criteria value for a first characteristic from a life insurance application for a life insurance applicant;

receiving at least one risk criteria value for a second characteristic from a laboratory test; and

assigning through computer-automated operations a risk category for hepatitis markers based on the risk criteria values for the first and second characteristics; and

identifying at least one test for the life insurance applicant in order to be assigned a best potential risk category upon reconsideration of the risk category for hepatitis markers.

2. The computer-readable instructions of claim 1, further comprising instructions for receiving at least one of the risk criteria values as an entry from a user input device.

3. The computer-readable instructions of claim 1, further comprising instructions for displaying the first and second characteristics.

4. The computer-readable instructions of claim 1, further comprising instructions for displaying the risk category.

5. The computer-readable instructions of claim 1, further comprising instructions for generating and displaying a hepatitis condition in addition to the risk category.

6. The computer-readable instructions of claim 1, further comprising instructions for calculating the risk category and hepatitis condition for at least one type of hepatitis.

7. The computer-readable instructions of claim 1, further comprising instructions for using at least one table calculator to generate the hepatitis condition and risk category.

8. A non-transitory computer-readable medium storing computer-executable hepatitis risk assessment, said instructions comprising instructions for:

comparing, through computer-automated operations, at least one risk criteria value to at least one predetermined value; and

determining a risk category for hepatitis markers based on the comparison; and

identifying at least one test for the life insurance applicant in order to be assigned a best potential risk category upon reconsideration of the risk category for hepatitis markers.

9. The computer-readable instructions of claim 8, further comprising instructions for receiving the at least one risk criteria value as an entry from a user input device.

10. The computer-readable instructions of claim 8, further comprising instructions for receiving, as the at least one risk criteria value, at least one of a Hepatitis A marker, a Hepatitis B marker, a Hepatitis C marker, a Hepatitis E marker, age, level of aspartate aminotransferase, level of alanine transaminase, and whether treated for hepatitis.

11. The computer-readable instructions of claim 8, further comprising instructions for determining the risk category only if the at least one risk criteria value matches the at least one predetermined value.

12. The computer-readable instructions of claim 8, further comprising instructions for generating and displaying a hepatitis condition in addition to determining the risk category.

13. The computer-readable instructions of claim 8, further comprising instructions for using a table calculator to perform the determining operation.

14. The computer-readable instructions of claim 8, further comprising instructions for referring the risk assessment to a medical director if a risk category is not determined.

15. A non-transitory computer-readable medium tangibly storing computer-executable life insurance underwriting, said instructions comprising instructions for:

determining an initial risk category for hepatitis markers for a life insurance applicant;

obtaining an indication that the initial risk category should be reconsidered;

identifying a test for the life insurance applicant in order to be assigned a best potential risk category upon reconsidering the initial risk category;

obtaining results of the identified test;

determining a reconsidered risk category for hepatitis markers for the life insurance applicant using the results of the identified test; and

incorporating the reconsidered risk category for hepatitis markers into an automated life insurance underwriting process.

16. The computer-readable instructions of claim 15 further comprising instructions for receiving at least one risk criteria value for one of a first characteristic from a life insurance application, a second characteristic from a medical examination, and a third characteristic from a laboratory test.

17. The computer-readable instructions of claim 16 further comprising instructions for displaying the first characteristic, second characteristic, and third characteristic.

18. The computer-readable instructions of claim 15 further comprising instructions for using an underwriting feedback subsystem, coupled to an underwriting database subsystem, to adjust the risk category determining to meet financial objectives.

19. The computer-readable instructions of claim 18 wherein the underwriting database subsystem is to store historical relationships among insurance risk classes, insurance premiums, and losses payable.

20. The computer-readable instructions of claim 15 further comprising instructions for using a table calculator to determine the risk category.

21. The computer-readable instructions of claim 20 wherein the table calculator comprises at least one list of physical and hepatitis parameters, and at least one risk class display.