Automated insurance enrollment, underwriting, and claims adjusting
First Claim
1. A computer-implemented method for insurance enrollment and underwriting, comprising:
- displaying on a display of a computer system a first user interface with one or more controls configured to receive user input to specify a breed of a pet to be insured and to specify one or more health conditions of the pet in an enrollment application for pet health insurance;
receiving on the computer system data representing the breed of the pet and one or more health conditions specified through the first user interface;
electronically processing on the computer system the data representing the one or more health conditions and electronically flagging each condition as a condition that is acceptable, precluded, or for manual review, wherein the flagging is based on the breed of the pet;
calculating on the computer system a geographic insurance rating, including;
identifying a location associated with the pet;
identifying a geographic risk zone;
comparing the location to the geographic risk zone to determine if the location is at least partially within the geographic risk zone; and
calculating an insurance rating according to the comparison;
calculating on the computer system a dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions, the plurality of diagnoses including one or more diagnoses related to the breed of the pet and one or more of the health conditions, wherein calculating a dollar limit of coverage includes calculating a dollar limit of coverage for each of the plurality of diagnoses based at least in part on the geographic insurance rating;
where all conditions are flagged as acceptable or determined to be acceptable following a manual review, packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each of the plurality of diagnoses up to each diagnosis'"'"' corresponding dollar limit of coverage; and
displaying on the display a second user interface presenting information indicating approved enrollment, if all of the conditions are flagged as acceptable.
2 Assignments
0 Petitions
Accused Products
Abstract
An insurance enrollment and underwriting method includes providing a first user interface with one or more controls for enabling a user to specify one or more health conditions in an enrollment application for pet health insurance. Data representing one or more health conditions specified through the first user interface is received. That data is electronically processed. Each condition is electronically flagged as a condition that is acceptable, precluded, or for manual review. A dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions is calculated. The plurality of diagnoses include one or more diagnoses related to one or more of the health conditions. Where all conditions are and flagged as acceptable or determined to be acceptable following a manual review, an active policy is packaged to include coverage for each of the plurality of diagnoses up to each diagnosis'"'"' corresponding dollar limit of coverage.
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Citations
33 Claims
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1. A computer-implemented method for insurance enrollment and underwriting, comprising:
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displaying on a display of a computer system a first user interface with one or more controls configured to receive user input to specify a breed of a pet to be insured and to specify one or more health conditions of the pet in an enrollment application for pet health insurance; receiving on the computer system data representing the breed of the pet and one or more health conditions specified through the first user interface; electronically processing on the computer system the data representing the one or more health conditions and electronically flagging each condition as a condition that is acceptable, precluded, or for manual review, wherein the flagging is based on the breed of the pet; calculating on the computer system a geographic insurance rating, including; identifying a location associated with the pet; identifying a geographic risk zone; comparing the location to the geographic risk zone to determine if the location is at least partially within the geographic risk zone; and calculating an insurance rating according to the comparison; calculating on the computer system a dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions, the plurality of diagnoses including one or more diagnoses related to the breed of the pet and one or more of the health conditions, wherein calculating a dollar limit of coverage includes calculating a dollar limit of coverage for each of the plurality of diagnoses based at least in part on the geographic insurance rating; where all conditions are flagged as acceptable or determined to be acceptable following a manual review, packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each of the plurality of diagnoses up to each diagnosis'"'"' corresponding dollar limit of coverage; and displaying on the display a second user interface presenting information indicating approved enrollment, if all of the conditions are flagged as acceptable. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A non-transitory computer readable storage medium having stored thereon computer readable instructions that, if executed by a computing device, cause the computing device to perform operations for insurance enrollment and underwriting, the operations comprising:
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displaying on a display of a computer system a first user interface with one or more controls configured to receive user input to specify a breed of a pet to be insured and to specify one or more health conditions of the pet in an enrollment application for pet health insurance; receiving data representing the breed of the pet and one or more health conditions specified through the first user interface; electronically processing the data representing the one or more health conditions and electronically flagging each as a condition that is acceptable, precluded, or manual review, wherein the flagging is based on the breed of the pet; and calculating on the computer system a geographic insurance rating, including; identifying a location associated with the pet; identifying a geographic risk zone; comparing the location to the geographic risk zone to determine if the location is at least partially within the geographic risk zone; and calculating an insurance rating according to the comparison; where all conditions are and flagged as acceptable or determined to be acceptable following a manual review, calculating, a dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions, the plurality of diagnoses including one or more diagnoses related to one or more of the health conditions, wherein calculating a dollar limit of coverage includes calculating a dollar limit of coverage for each of the plurality of diagnoses based at least in part on the geographic insurance rating, and packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each of the plurality of diagnoses up to each diagnosis'"'"' corresponding dollar limit of coverage; and displaying on the display a second user interface presenting information indicating approved enrollment, if all of the conditions are flagged as acceptable. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. An insurance enrollment and underwriting system, comprising:
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one or more server computing devices configured to be networked via a link that provides electronic communication between the one or more servers and one or more client computing devices, the one or more server computing devices comprising a processor operably connected to a non-transitory memory embodied with instructions that, when executed by the processor, cause the processor to perform operations for insurance enrollment and underwriting, the operations comprising; providing to the one or more client computing devices a first user interface with one or more controls configured to receive user input to specify a breed of a pet to be insured and to specify one or more health conditions of the pet in an enrollment application for pet health insurance; receiving from the one or more client computing devices data representing the breed of the pet and one or more health conditions specified through the first user interface; electronically processing the data representing the breed of the pet and one or more health conditions specified through the first user interface to electronically flag each as a condition that is acceptable, precluded, or for manual review, wherein the flagging is based on the breed of the pet; calculating on the computer system a geographic insurance rating, including; identifying a location associated with the pet; identifying a geographic risk zone; comparing the location to the geographic risk zone to determine if the location is at least partially within the geographic risk zone; and calculating an insurance rating according to the comparison; where all conditions are flagged as acceptable or determined to be acceptable following a manual review, calculating, a dollar limit of coverage for each of a plurality of diagnoses in lieu of one or more exclusions, the plurality of diagnoses including one or more diagnoses related to the one or more of the health conditions, wherein calculating a dollar limit of coverage includes calculating a dollar limit of coverage for each of the plurality of diagnoses based at least in part on the geographic insurance rating, and packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each of the plurality of diagnoses up to each diagnosis'"'"' corresponding dollar limit of coverage; and providing to the one or more client computing devices a second user interface presenting information indicating approved enrollment, if all of the conditions are flagged as acceptable. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
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25. A computer-implemented method for insurance enrollment and underwriting, comprising:
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causing to be displayed on a display a first user interface with one or more controls configured to receive user input in an enrollment application for pet health insurance, the user input specifying a breed of a pet to be insured, one or more health conditions of the pet, and a location associated with the pet; receiving, on a computer system, data specified through the first user interface, the data representing the breed of the pet, the one or more health conditions, and the location associated with the pet; comparing the location associated with the pet to an identified geographic risk zone to determine if the location is at least partially within the geographic risk zone and calculating a geographic insurance rating according to the comparison; electronically processing on the computer system the data representing the one or more health conditions and electronically flagging each condition as a condition that is acceptable, precluded, or for manual review, wherein the flagging is based on the breed of the pet; calculating on the computer system a dollar limit of coverage for each of a plurality of diagnoses based at least in part on the geographic insurance rating, the plurality of diagnoses including one or more diagnoses related to the breed of the pet and one or more of the health conditions; where all conditions are flagged as acceptable or determined to be acceptable following a manual review, packaging an active insurance policy on the pet, wherein the insurance policy includes coverage for each given diagnosis of the plurality of diagnoses up to the corresponding dollar limit of coverage of the given diagnosis; and displaying on the display information indicating approved enrollment, if all of the conditions are flagged as acceptable. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33)
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Specification