Systems and methods for managing insurance account documents

• US 8,805,706 B2
• Filed: 04/29/2011
• Issued: 08/12/2014
• Est. Priority Date: 04/29/2011
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Cunningham, Kathleen Anne, Pabilonia, James L. Jr., Vitti, Robert
• Primary Examiner(s): CAMPEN, KELLY SCAGGS
• Application Number:
  US13/097,560
• Publication Number:
  US 20120278107A1
• Time in Patent Office: 1,201 Days
• Field of Search: 705/2, 705/3, 705/4, 705/35, 705/38, 705/39
• US Class Current: 705/4
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 10/20 for electronic clinical trials or questionnaires

Abstract

A Personal Health Application (PHA) management system stores templates that are used to generate customized PHA documents. The PHA management system receives a request for a PHA document, where the request includes information that describes a new insurance policy or modification of a policy that an insurance consumer is requesting, that indicates the state or other area in which the insurance consumer lives, that indicates the reason that the consumer is requesting the new policy or modification, and/or other information. The PHA management system generates a PHA document based on a stored template and the information included in the request, and the generated PHA document may be provided to the insurance consumer.

Claims

1. A system for generating a customized Personal Health Application document related to an insurance policy associated with a group insurance plan, the system comprising:

a communication interface configured to receive a message from a computing device that indicates a request for a customized Personal Health Application document for obtaining evidence of insurability information and identifying the insurance consumer, wherein the group insurance plan is offered by an employer of the insurance consumer; and

at least one processor configured to;

obtain consumer data that indicates one or more attributes of the insurance consumer;

obtain employer data that indicates one or more attributes of the employer of the insurance consumer;

obtain jurisdiction data that identifies a jurisdiction whose legal requirements apply to the customized Personal Health Application document; and

obtain a template document including data and at least a first conditional expression and a second conditional expression, the template document for generating the customized Personal Health Application document, including information that indicates a plurality of questions that solicit evidence of insurability information;

evaluate the first conditional expression to filter a first question from the plurality of questions to indicate whether the first question from the plurality of questions should be included in the customized Personal Health Application document based on at least one of the consumer data, the employer data, and the jurisdiction data;

evaluate the second conditional expression to indicate that concepts identified in the template document be described using particular words or phrases in the customized Personal Health Application document as determined based on at least one of the consumer data, the employer data, and the jurisdiction data; and

generate the customized Personal Health Application document including the first filtered question and the described concepts, wherein the document is based on the template data, the insurance consumer data, the employer data, and the jurisdiction data; and

wherein the communication interface is further configured to transmit the customized Personal Health Application document to the computing device for presentation to the insurance consumer,

wherein the plurality of questions includes a second question, wherein the second question solicits information that the insurance consumer is required to provide to in order to obtain a disability insurance policy, and

wherein the template data includes a third conditional expression that indicates that the second question should be included in the customized Personal Health Application document when the insurance policy within a group insurance plan is a disability insurance policy.

2. The system of claim 1, wherein the first question solicits information related to a Human Immunodeficiency Virus status of the insurance consumer, and wherein the first conditional expression indicates whether the first question should be included in the Personal Health Application document based on the jurisdiction data.

3. The system of claim 1, wherein the section of the Personal Health Application document is a fraud warning section, and wherein the second conditional expression indicates that the contents of the section of the Personal Health Application document should be determined based on the jurisdiction data.

4. The system of claim 1,

wherein the first question solicits information regarding a spouse of the insurance consumer, and

wherein the first conditional expression indicates that, if the insurance consumer has a spouse, the first question should be included in the Personal Health Application document.

5. The system of claim 1, wherein the at least one processor is further configured to pre-fill information related to the insurance consumer in the Personal Health Application document, wherein the information related to the insurance consumer includes one or more of:

a name of the consumer;

an address of the consumer;

a gender of the consumer;

a phone number of the consumer; and

a name of an occupation of the consumer.

6. The system of claim 1, wherein the request by the insurance consumer for the insurance policy is a request for a supplemental life insurance policy.

7. A computer-implemented method for generating a customized Personal Health Application document for obtaining evidence of insurability information and identifying the insurance consumer, the method comprising:

receiving, via a communication interface, a message from a computing device that indicates a request for a customized Personal Health Application document related to an insurance policy;

at least one processor obtaining a template document including data and at least a first conditional expression, the template document for generating the customized Personal Health Application document, the template data including information that indicates a plurality of questions that solicit evidence of insurability information;

the at least one processor calculating the first conditional expression to filter a first question from the plurality of questions to indicate whether the first question from the plurality of questions should be included in the customized Personal Health Application document based on at least one of consumer data that indicates one or more attributes of the insurance consumer, and jurisdiction data that identifies a jurisdiction whose legal requirements apply to the customized Personal Health Application document;

the at least one processor generating the customized Personal Health Application document including the first filtered question, wherein the document is based on the template data, and the calculation of the first conditional expression; and

transmitting, via the communication interface, the customized Personal Health Application document to the computing device for presentation to the insurance consumer,

wherein the template data includes a second conditional expression that indicates that contents of a section of the customized Personal Health Application document should be determined based on one or more of;

the insurance consumer data;

the employer data;

or the jurisdiction data, and

wherein the generating the customized Personal Health Application document includes evaluating the second conditional expression.

8. The method of claim 7, wherein the first question solicits information related to a Human Immunodeficiency Virus status of the insurance consumer, and wherein the first conditional expression indicates whether the first question should be included in the Personal Health Application document based on the jurisdiction data.

9. The method of claim 7, wherein the insurance policy is an insurance policy within a group insurance plan offered by an employer of the insurance consumer.

10. The method of claim 9, wherein the first conditional expression further indicates whether the first question from the plurality of questions should be included in the Personal Health Application document based on employer data that that indicates one or more attributes of the employer of the insurance consumer.

11. The method of claim 7, wherein the section of the Personal Health Application document is a fraud warning section, and wherein the second conditional expression indicates that the contents of the section of the Personal Health Application document should be determined based on the jurisdiction data.

12. The method of claim 7,

wherein the insurance consumer data indicates whether the insurance consumer has a spouse,

wherein the plurality of questions includes a second question, wherein the second question solicits information regarding a spouse of the insurance consumer,

wherein the template data includes a second conditional expression that indicates that, if the insurance consumer has a spouse, the second question should be included in the Personal Health Application document, and

wherein the generating the Personal Health Application document includes evaluating the second conditional expression.

13. The method of claim 7,

wherein the plurality of questions includes a second question, wherein the second question solicits information that the insurance consumer is required to provide to in order to obtain a disability insurance policy, and

wherein the template data includes a second conditional expression that indicates that the second question should be included in the Personal Health Application document when the insurance policy to which the Personal Health Application document is related is a disability insurance policy.

14. A non-transitory computer-readable medium having processor-executable instructions stored thereon which, when executed by at least one processor, will cause the at least one processor to perform a method for generating a customized Personal Health Application document, the method comprising:

receiving, via a communication interface, a message from a computing device that indicates a request for a customized Personal Health Application document related to an insurance policy;

obtaining a template document including data and one or more conditional expressions, the template documents for generating the customized Personal Health Application document, wherein the template document includes;

information that indicates a plurality of questions that solicit evidence of insurability information; and

one or more conditional expressions for determining content to include in the customized Personal Health Application document;

generating the customized Personal Health Application document based on the template data, wherein the generating the customized Personal Health Application document includes evaluating the one or more conditional expressions; and

transmitting, via the communication interface, the customized Personal Health Application document to the computing device,

wherein the one or more conditional expressions include a first conditional expression that indicates whether a first question from the plurality of questions should be included in the customized Personal Health Application document based on one or more of;

insurance consumer data that indicates one or more attributes of the insurance consumer;

employer data that that indicates one or more attributes of an employer of the insurance consumer;

or

jurisdiction data that identifies a jurisdiction whose legal requirements apply to the customized Personal Health Application document.

15. The non-transitory computer-readable medium of claim 14, wherein the first question solicits information related to a Human Immunodeficiency Virus status of the insurance consumer, and wherein the first conditional expression indicates whether the first question should be included in the Personal Health Application document based on the jurisdiction data.

16. The non-transitory computer-readable medium of claim 14, wherein the insurance policy is associated with a group insurance plan offered by an employer of the insurance consumer.

17. The non-transitory computer-readable medium of claim 14,

wherein the one or more conditional expressions include a first conditional expression that indicates that contents of a section of the Personal Health Application document should be determined based on one or more of:

insurance consumer data that indicates one or more attributes of the insurance consumer;

employer data that that indicates one or more attributes of an employer of the insurance consumer;

or

jurisdiction data that identifies a jurisdiction whose legal requirements apply to the Personal Health Application document.

18. The non-transitory computer-readable medium of claim 17, wherein the section of the customized Personal Health Application document is a fraud warning section, and wherein the first conditional expression indicates that the contents of the section of the customized Personal Health Application document should be determined based on the jurisdiction data.

19. The non-transitory computer-readable medium of claim 14,

wherein the plurality of questions includes a first question, wherein the first question solicits information regarding a spouse of the insurance consumer, and

wherein the one or more conditional expressions include a conditional expression that indicates that, if the insurance consumer has a spouse, the first question should be included in the customized Personal Health Application document.

20. The non-transitory computer-readable medium of claim 14,

wherein the plurality of questions includes a first question, wherein the first question solicits information that the insurance consumer is required to provide to in order to obtain a disability insurance policy, and

wherein the one or more conditional expressions include a conditional expression that indicates that the first question should be included in the customized Personal Health Application document when the insurance policy to which the customized Personal Health Application document is related is a disability insurance policy.