Determining likely outcomes of active insurance claims by calculating and examining aggregated outcomes of matching historic claims
First Claim
1. An insurance claim analysis system for generating information indicative of an outcome of an active insurance claim comprising:
- a historic insurance claim information database configured to hold historic information about historic insurance claims;
a database query module that has one or more processors configured to query the historic insurance claim information database for historic insurance claims that match search criteria indicative of one or more aspects of the active insurance claim;
a data aggregation module that has one or more processors configured to calculate an aggregate of an aspect of the historic information about the historic insurance claims that match the search criteria or a subset thereof; and
a report generation module that has one or more processors configured to generate a report that includes the calculated aggregate of the aspect of the historic informationwhereinthe historic information about each historic insurance claim includes information indicative of the payment made for medical services that were provided in connection with the historic insurance claim and the type of that medical services, and the calculated aggregate of an aspect of the historic information is an average of the total payments made for a medical service of each type in connection with the historic insurance claims that match the search criteria;
orthe historic information about each historic insurance claim includes a number of disability days;
the calculated aggregate of an assert of the historic information is an average of the number of disability days for the historic insurance claims that match the search criteria;
the historic information about some of the historic insurance claims includes one or more co-morbidity factors, each indicative of a complicating medical factor relating to the historic insurance claim; and
the calculated aggregate of an aspect of the historic information includes;
an average of the number of disability days for the historic insurance claims that match search criteria that includes at least one co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim; and
an average of the number of disability days for the historic insurance claims that match search criteria that does not include any co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim.
1 Assignment
0 Petitions
Accused Products
Abstract
An insurance claim analysis system may generate information indicative of a possible outcome of an active insurance claim. A historic insurance claim information database may hold historic information about historic insurance claims. A database query module may query the historic insurance claim information database for historic insurance claims that match search criteria indicative of one or more aspects of the active insurance claim. A data aggregation module may calculate an aggregate of an aspect of the historic information about the historic insurance claims that match the search criteria or a subset thereof. A report generation module may generate a report that includes the calculated aggregate of the aspect of the historic information.
23 Citations
20 Claims
-
1. An insurance claim analysis system for generating information indicative of an outcome of an active insurance claim comprising:
-
a historic insurance claim information database configured to hold historic information about historic insurance claims; a database query module that has one or more processors configured to query the historic insurance claim information database for historic insurance claims that match search criteria indicative of one or more aspects of the active insurance claim; a data aggregation module that has one or more processors configured to calculate an aggregate of an aspect of the historic information about the historic insurance claims that match the search criteria or a subset thereof; and a report generation module that has one or more processors configured to generate a report that includes the calculated aggregate of the aspect of the historic information wherein the historic information about each historic insurance claim includes information indicative of the payment made for medical services that were provided in connection with the historic insurance claim and the type of that medical services, and the calculated aggregate of an aspect of the historic information is an average of the total payments made for a medical service of each type in connection with the historic insurance claims that match the search criteria;
orthe historic information about each historic insurance claim includes a number of disability days;
the calculated aggregate of an assert of the historic information is an average of the number of disability days for the historic insurance claims that match the search criteria;
the historic information about some of the historic insurance claims includes one or more co-morbidity factors, each indicative of a complicating medical factor relating to the historic insurance claim; and
the calculated aggregate of an aspect of the historic information includes;
an average of the number of disability days for the historic insurance claims that match search criteria that includes at least one co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim; and
an average of the number of disability days for the historic insurance claims that match search criteria that does not include any co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
-
-
20. Non-transitory, tangible, computer-readable media containing a program of computer instructions configured to implement the following process for generating information indicative of an outcome of an active insurance claim when run in a computer system:
-
querying a historic insurance claim information database that holds historic information about historic insurance claims for historic insurance claims that match search criteria indicative of one or more aspects of the active insurance claim; calculating an aggregate of an aspect of the historic information about the historic insurance claims that match the search criteria or a subset thereof; and generating a report that includes the calculated aggregate of the aspect of the historic information, wherein; the historic information about each historic insurance claim includes information indicative of the payment made for medical services that were provided in connection with the historic insurance claim and the type of that medical services, and the calculated aggregate of an aspect of the historic information is an average of the total payments made for a medical service of each type in connection with the historic insurance claims that match the search criteria;
orthe historic information about each historic insurance claim includes a number of disability days;
the calculated aggregate of an aspect of the historic information is an average of the number of disability days for the historic insurance claims that match the search criteria;
the historic information about some of the historic insurance claims includes one or more co-morbidity factors, each indicative of a complicating medical factor relating to the historic insurance claim; and
the calculated aggregate of an aspect of the historic information includes;
an average of the number of disability days for the historic insurance claims that match search criteria that includes at least one co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim; and
an average of the number of disability days for the historic insurance claims that match search criteria that does not include any co-morbidity factor indicative of a complicating medical factor relating to the active insurance claim.
-
Specification