System and method of determining an insurance premium quote based on human telematic data and structure related telematic data
First Claim
1. A method for processing health telematic data and building telematic data related to the determination of an insurance quote provided to a user using a non-transitory computer-readable storage medium with instructions stored thereon that, when executed, direct a processor to perform acts comprising:
- sensing a health telematic data via a wearable telematics data acquisition device worn by a user that provides substantially continuous health telematic data status monitoring, wherein the health telematic data relates to at least one user health condition data;
receiving the health telematic data via a communications interface, health telematics data collected by the wearable telematics data acquisition device;
receiving building telematic data via the communications interface, building telematics data collected by a building telematics data acquisition device, the building telematic data being indicative of historic building data and the historical nature of prior building use;
determining an insurance quote based on the received health telematic data and the received building telematic data, and,transmitting the insurance quote to the user via a mobile device for immediate acceptance.
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Abstract
Systems and methods are disclosed herein for pricing an insurance premium based on analysis of various telematic data. The system includes a user with a wearable human telematic sensor providing telematic data about the wearer. Also, the system and method includes at least one building/environment telematic sensor configured to provide telematic data about the building and surrounding environment. The various telematic data is communicated and processed to provide an insurance quote to the user based upon analysis of the telematic data.
22 Citations
20 Claims
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1. A method for processing health telematic data and building telematic data related to the determination of an insurance quote provided to a user using a non-transitory computer-readable storage medium with instructions stored thereon that, when executed, direct a processor to perform acts comprising:
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sensing a health telematic data via a wearable telematics data acquisition device worn by a user that provides substantially continuous health telematic data status monitoring, wherein the health telematic data relates to at least one user health condition data; receiving the health telematic data via a communications interface, health telematics data collected by the wearable telematics data acquisition device; receiving building telematic data via the communications interface, building telematics data collected by a building telematics data acquisition device, the building telematic data being indicative of historic building data and the historical nature of prior building use; determining an insurance quote based on the received health telematic data and the received building telematic data, and, transmitting the insurance quote to the user via a mobile device for immediate acceptance. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method to perform acts comprising:
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providing a first sensor, the first sensor being a wearable device configured to substantially continually sense a health telematic data while the user is within a building, the first sensor providing data indicative of measured at least one user health telematic data relating to at least one of a body mass index, blood pressure, respiratory rate, heart rate, perspiration, body temperature, blood sugar level, brain function (EEG), vacillations in blood sugar level, hours of sleep, physical activity rate and duration, water consumption, food consumption, alcohol consumption, amount of sunlight exposure, and/or exposure to air or water pollutants; providing a second sensor, in communication with a building being occupied by the user, the second sensor outputting a second sensor data indicative of a at least one historic building telematic data including data of prior building use; providing a computing unit, in communication with the first sensor and the second sensor, the computing unit storing program instructions for execution by the computing unit to; receive the first sensor data and the second sensor data; calculate a risk level associated with the first sensor data and the second sensor data; determine an insurance quote based on the risk level; and
,transmit the insurance quote to the user via a mobile device for immediate acceptance. - View Dependent Claims (14, 15, 16)
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17. A method performed using a tangible computer-readable storage medium with instructions stored thereon that, when executed, direct a processor to perform the method comprising:
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receiving a user health telematic data collected substantially continuously, the health telematic data being indicative of a user'"'"'s current health status while within a building; receiving a user environmental telematic data indicative of an environmental quality around the user; receiving a historic building telematic data indicative of historical building data and the historical nature of prior building use; calculating a risk level associated with the received user health telematic data, user environmental telematic data, and the historic building telematic data; and
,calculating an insurance quote indicative of the risk level based upon the user health telematic data, user environmental telematic data, and the historic building telematic data, and; transmitting the insurance quote to the user via a mobile device for immediate acceptance. - View Dependent Claims (18, 19, 20)
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Specification