Systems and methods for sensor-enhanced activity evaluation
First Claim
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1. An activity evaluation system for use in managing an insurance-related process, comprising:
- a communications module operated by the insurance company comprising at least one processor configured to receive sensor data from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity and an activity evaluation for the individual;
a computer processor, operated by the insurance company and in communication with the communications module, configured to;
adjust a term of an insurance policy covering the insured entity based on the sensor data and the activity evaluation, wherein the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive to the activity evaluation being indicative of desired activity by the individual; and
an output device configured to provide an insurance recommendation to one or both of the insured entity and a healthcare provider that is based at least in part on the activity evaluation, wherein the insurance recommendation comprises one of a loss-control recommendation, an exposure management recommendation, an insurance risk evaluation recommendation, an underwriting workflow recommendation, and a claims management workflow recommendation.
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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
17 Claims
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1. An activity evaluation system for use in managing an insurance-related process, comprising:
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a communications module operated by the insurance company comprising at least one processor configured to receive sensor data from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity and an activity evaluation for the individual; a computer processor, operated by the insurance company and in communication with the communications module, configured to; adjust a term of an insurance policy covering the insured entity based on the sensor data and the activity evaluation, wherein the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive to the activity evaluation being indicative of desired activity by the individual; and an output device configured to provide an insurance recommendation to one or both of the insured entity and a healthcare provider that is based at least in part on the activity evaluation, wherein the insurance recommendation comprises one of a loss-control recommendation, an exposure management recommendation, an insurance risk evaluation recommendation, an underwriting workflow recommendation, and a claims management workflow recommendation. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for evaluating activity of an individual associated with and distinct from an insured entity for use in managing an insurance-related process, comprising:
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receiving by a server, the server comprising at least one processor, activity data derived at least in part from at least one sensor monitoring activity of the individual associated with and distinct from the insured entity; and adjusting by a computer processor an insurance-related parameter associated with the insured entity based at least in part on an activity analysis based on the received activity data and demographic information about the individual, the adjusting comprising adjusting the parameter so as to provide an adjustment favorable to the insured entity responsive to the activity analysis being indicative of desired activity by the individual; and providing, by an output device, an insurance recommendation to one or both of the insured entity and a healthcare provider that is based at least in part on the activity analysis, wherein the insurance recommendation comprises one of a loss-control recommendation, an exposure management recommendation, an insurance risk evaluation recommendation, an underwriting workflow recommendation, and a claims management workflow recommendation. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. An activity evaluation system for use in managing an insurance-related process, comprising:
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a data storage device storing demographic information about a plurality of individuals associated with and distinct from an insured entity; an activity evaluation module comprising at least one processor configured to; receive sensor data from at least one sensor configured to monitor activity of a plurality of individuals associated with and distinct from an insured entity; analyze the sensor data to determine activity characteristics of the plurality of individuals; and output an activity evaluation based on the determined activity characteristics and the demographic information about the plurality of individuals to an insurance company system for adjusting a term of an insurance policy covering the insured entity; wherein the sensor data comprises raw sensor data and further comprising a preprocessing module for preprocessing the raw sensor data before it is received by the activity evaluation module, wherein the preprocessing comprises processing the raw sensor data to generate sensor data indicative of one or more of horizontal body positions, vertical body positions, turning of a body, twisting of a body, sitting postures, and standing postures. - View Dependent Claims (16, 17)
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Specification