Information processing system, program, and insurance condition determination method

Abstract

To properly determine insurance conditions on the basis of a history 105 of using an application 103 for medical treatment.SOLUTION: An information processing apparatus is connected to communicate with a terminal device of a patient on which an application for medical treatment prescribed by a doctor to the patient has been installed thereon, the information processing apparatus including: a receiving unit which receives a history of using the application for medical treatment; and a determination unit which evaluates how frequently the patient uses the application for medical treatment on the basis of the history of use, and determines insurance conditions of an insurance for the patient on the basis of the evaluation.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention relates to an information processing system, a program, and an insurance condition determination method. [Background technology]

[0002] Among various insurance products, for example, in the case of disability insurance, the condition for payment of benefits may be that the insured is devoted to treatment according to the doctor's instructions. In addition, in the case of medical insurance, when applying for the medical insurance, the insured's health condition (for example, the results of the insured's medical examination and the insured's declaration of health condition) may determine whether or not the insured can apply for the medical insurance, and the premium for the insurance that can be applied for may be calculated.

[0003] Patent document 1 discloses a technology for calculating and setting insurance premiums for an insurance contract with a second insurance institution in which a user subscribes as an insured person, based on a first insurance contract based on biometric information provided by a first insurance institution in which the user subscribes as an insured person.

[0004] Patent Document 2 discloses a technology for managing whether a user has taken a medicine and giving an incentive to a user who takes the medicine in accordance with the dosage and administration instructions.

[0005] In recent years, digital technology has been increasingly used in the fields of medicine and health, and doctors may prescribe therapeutic applications to patients to treat illnesses and improve their health in their daily lives. The patient downloads the therapeutic application onto a smartphone or the like and sequentially inputs data indicating the patient's health condition in their daily lives. The data indicating the patient's health condition is provided to a medical professional such as a doctor, and the medical professional can provide the patient with advice such as health guidance at an appropriate time based on the data indicating the patient's health condition. There are various types of therapeutic applications, including apps for treating panic disorder, depression, obesity, alcoholism, high blood pressure, diabetes, and the like. [Prior art documents] [Patent documents]

[0006] [Patent Document 1] Patent Publication No. 2021-135987 [Patent Document 2] Patent Publication No. 2021-177330 Summary of the Invention [Problem to be solved by the invention]

[0007] Conventionally, insurance conditions such as the conditions for payment of insurance claims, the conditions for joining the insurance, or the conditions for calculating insurance premiums have been determined based on declarations by the insured, and have not always been determined appropriately.

[0008] Therefore, the present invention provides an information processing system, a program, and an insurance condition determination method that appropriately determine insurance conditions based on the usage history of a therapeutic application. [Means for solving the problem]

[0009] In order to solve the above problems, the present invention provides an information processing device communicably connected to a terminal device of a patient on which a treatment application prescribed by a doctor for the patient is installed, the information processing device comprising: a receiving unit for receiving a usage history of the therapeutic application; a determination unit that evaluates a frequency of use of the therapeutic application by the patient based on the usage history, and determines insurance conditions of insurance for the patient based on the evaluation; The present invention proposes an information processing device having the following features. Effect of the Invention

[0010] According to the present invention, insurance conditions can be appropriately determined based on the usage history of a medical application. [Brief description of the drawings]

[0011] [Figure 1]1 is an overall configuration diagram showing an insurance condition determination system 100. FIG. [Diagram 2] FIG. 1 is a hardware block diagram of an information processing device 130. [Diagram 3] FIG. 13 is a diagram showing an example of a screen of a medical treatment application 103. [Figure 4] FIG. 13 is a diagram showing an example of input data 104. [Diagram 5] FIG. 2 is a diagram showing an example of a usage history 105. [Figure 6] FIG. 2 illustrates an example of a management DB 203a. [Figure 7] 1 is a flowchart showing a method for determining insurance conditions (insurance condition determining method). DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0012] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. However, the scope of the present invention is not limited to the embodiments described here, and various modifications can be made without departing from the spirit of the present invention.

[0013] The overall configuration of the insurance condition determination system 100 including the information processing device 130 will be described with reference to FIG. 1. FIG. 1 is an overall configuration diagram showing the insurance condition determination system 100. The doctor 101 may prescribe a therapeutic application 103 (hereinafter, "application" will be abbreviated to "app" as appropriate, for example, "therapeutic application 103" will be abbreviated to "therapeutic app 103") according to the health condition of the patient 102. The therapeutic app 103 is, for example, an app prescribed for hypertension patients. The patient 102 inputs daily blood pressure information into the app. The blood pressure information input into the app is provided to a medical professional such as the doctor 101, and the doctor 101 can provide the patient with appropriate and timely advice based on the provided blood pressure information. The therapeutic app 103 may be not only the above-mentioned application for hypertension patients, but also an app prescribed for diabetes patients having a function of managing daily blood glucose level information, or an application prescribed for nicotine-dependent patients having a function of managing daily breath CO concentration information. The medical treatment application 103 prescribed by the doctor 101 may be an application that is covered by public medical insurance, or may not be an application that is covered by public medical insurance.

[0014] (Insurance condition determination system 100) The insurance condition determination system 100 includes a terminal device 110 of a patient 102 in which a therapeutic application 103 is installed, a therapeutic application management device 120 communicatively connected via a network to a terminal device (not shown) available to the terminal device 110 and a doctor 101, and an information processing device 130 communicatively connected to the therapeutic application management device 120 via the network.

[0015] (Terminal device 110) The terminal device 110 is owned by the patient 102, and is, for example, a smartphone, a tablet, or a laptop computer. The doctor 101 prescribes the therapeutic app 103 to the patient 102, and the patient 102 installs the prescribed therapeutic app 103 in the terminal device 110. In order for the patient 102 to use the prescribed therapeutic app 103, an activation operation of the therapeutic app 103 is required. For example, the doctor 101 issues a code to the patient 102 when prescribing the therapeutic app 103, and the patient 102 activates the therapeutic app 103 by inputting the code into the therapeutic app 103. The code may be a barcode, a two-dimensional code, or character information combining alphabets, numbers, and the like. Note that, in the case where a pharmacist at a pharmacy or the like can provide the therapeutic app 103 to the patient 102 under the system of each country, the pharmacist may prescribe the therapeutic app 103. In this case, the pharmacist issues the code to the patient 102.

[0016] (Therapeutic App 103) The therapeutic application 103 has a function of inputting data indicating daily health conditions (for example, blood pressure information, blood glucose level information, and exhaled CO concentration information), a function of transmitting the input data 104 to the therapeutic application management device 120, and a function of receiving advice from the doctor 101. Note that the therapeutic application 103 may have a function of not only receiving advice from the doctor 101, but also exchanging messages and the like between the doctor 101 and the patient 102.

[0017] (Medical application management device 120) The therapeutic application management device 120 receives input data 104 input to the therapeutic application 103 and manages the input data for each therapeutic application 103. For example, the therapeutic application management device 120 is a system operated and managed by an application maker that provides the therapeutic application 103, and is a cloud server or an on-premise server. The input data 104 managed by the therapeutic application management device 120 is provided to a terminal device (not shown) that can be used by the doctor 101. The doctor 101 refers to the provided input data 104 and transmits advice to the therapeutic application 103 for the patient 102.

[0018] The therapeutic application management device 120 also provides the use history 105 of the therapeutic application 103 to the information processing device 130. The use history 105 is a masked version of the input data 104, and does not include, for example, the content of the input data 104 that indicates a health condition.

[0019] (Information processing device 130) The information processing device 130 manages various information of insurance for the patient 102. The insurance for the patient 102 is, for example, insurance for which the patient 102 is the insured person, and insurance conditions are determined according to the health condition of the patient 102. The insurance for which the insurance conditions are determined is assumed to be private insurance, such as disability insurance, medical insurance, life insurance, and cancer insurance. Specifically, the insurance conditions of the contracted insurance for the patient 102 are whether or not the insurance payment can be made. Furthermore, the insurance conditions of the uncontracted insurance for the patient 102 (insurance to be enrolled in) are whether or not the insurance can be enrolled, or the insurance premium for the insurance. The insurance for the patient 102 does not need to be the policyholder, and the patient 102 does not need to be the beneficiary.

[0020] It should be noted that insurance benefits are money paid by an insurance company to a beneficiary in accordance with an insurance contract, and insurance premiums are money paid by an insured person to an insurance company in accordance with an insurance contract.

[0021] For example, the information processing device 130 is an insurance system operated and managed by an insurance company that handles various insurance products, and is a cloud server or an on-premise server, etc. The information processing device 130 determines the insurance conditions of the insurance for the patient 102 based on the usage history 105 of the medical treatment app 103 used by the patient 102.

[0022] When an insurance company determines whether to pay an insurance claim for an insurance that has already been contracted, the information processing device 130 determines whether the insurance claim can be paid based on the usage history 105 of the patient 102. When an insurance company determines that a specific insurance claim is to be subscribed to but has not yet been contracted, the information processing device 130 determines whether the insurance claim can be subscribed to based on the usage history 105 of the patient 102. Then, when the information processing device 130 determines that the insurance claim can be subscribed to, it determines the premium for the insurance. The determined insurance conditions are provided to the patient 102.

[0023] (Hardware configuration of information processing device 130) 2 is a hardware block diagram of the information processing device 130. Next, the hardware configuration of the information processing device 130 will be described with reference to FIG.

[0024] The information processing device 130 includes a processor 201, a main memory unit 202, an auxiliary memory unit 203, a communication I / F 204, and an input / output I / F 205. The processor 201 is a central processing unit that performs various calculations. The processor 201 is, for example, a central processing unit (CPU), a graphics processing unit (GPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), etc. The main memory unit 202 stores programs executed by the processor 201, data required for executing the programs, etc. The main memory unit 202 is, for example, a random access memory (RAM), a flash memory, etc. The auxiliary memory unit 203 stores various programs (for example, an insurance condition determination program 203b) and various data (for example, a management DB 203a). The auxiliary storage unit 203 is, for example, a solid state drive (SSD) device, a hard disk drive (HDD) device, or a combination thereof. The communication I / F 204 is a network controller communicatively connected to a network. The input / output I / F 205 is a device controller communicatively connected to a keyboard, a mouse, a display, and the like. Details of the insurance condition determination program 203b and the management DB 203a will be described later.

[0025] The communication I / F 204 is an example of a receiving unit that receives the usage history 105 of the medical treatment application 103, and the processor 201 is an example of a determination unit that determines the insurance conditions of the insurance for the patient 102 based on the usage history 105.

[0026] (Screenshot of Therapeutic App 103) FIG. 3 is a diagram showing an example of a screen of the therapeutic application 103. Next, an example of the screen of the therapeutic application 103 will be described with reference to FIG. 3. The screen shown in FIG. 3 is a screen displayed by the therapeutic application 103 prescribed for a hypertension patient. Note that if the therapeutic application 103 is a different type of application, the content of the screen will naturally be different. Note that the therapeutic application 103 may be a Web application, a native application, or a hybrid application.

[0027] The treatment application 103 displays, for example, a blood pressure registration screen 310 shown in FIG. 3(a) and an outpatient consultation date registration screen 320 shown in FIG. 3(b).

[0028] The patient 102 inputs the blood pressure measured by the sphygmomanometer into the blood pressure registration screen 310. In the example of the blood pressure registration screen 310 in Fig. 3(a), the measured systolic blood pressure "140" is input into the systolic blood pressure input field 311, and the measured diastolic blood pressure "89" is input into the diastolic blood pressure input field 312. When the register button 313 is selected with the systolic blood pressure and diastolic blood pressure input, the systolic blood pressure and diastolic blood pressure are transmitted to the therapeutic application management device 120 together with the date and time when the register button 313 was selected, and are registered. When the back button 314 is selected, the screen returns to the previous screen.

[0029] The patient 102 also inputs the outpatient visit date in the outpatient visit date registration screen 320. In the example of the outpatient visit date registration screen 320 in Fig. 3(b), the outpatient visit date "4 / 4" is input in the outpatient visit date input field 321, and the name of the medical institution "XX Clinic" where the patient visited is input in the medical institution name input field 322. When the register button 323 is selected with the outpatient visit date and medical institution name input, the outpatient visit date and medical institution name are transmitted to the therapeutic application management device 120 together with the date and time when the register button 323 was selected, and are registered. When the back button 324 is selected, the screen returns to the previous screen.

[0030] (Input data 104) Fig. 4 is a diagram showing an example of the input data 104. Next, an example of the input data 104 will be described with reference to Fig. 4. The input data 104 is transmitted from the therapeutic application 103 to the therapeutic application management device 120. The input data 104 may be transmitted to the therapeutic application management device 120 every time data is registered in the therapeutic application 103, or the input data 104 accumulated in a buffer secured by the therapeutic application 103 may be transmitted all at once at a predetermined timing.

[0031] The input data 104 is data in which various data (such as systolic blood pressure, assessed blood pressure, outpatient visit date, and name of medical institution) input by a user (patient 102) of the therapeutic application 103 is linked with an application ID for identifying the therapeutic application 103. As shown in FIG. 4, the input data 104 has an application ID 400, date and time data 401, attribute data 402, and an input value 403. The application ID 400 is an ID for identifying the therapeutic application 103 prescribed to the patient. The date and time data 401 indicates the date and time when the therapeutic application 103 is operated, and corresponds to the date and time when the above-mentioned registration buttons 313 and 323 are selected. In addition, the attribute data 402 indicates the attribute of the input value 403, and indicates "blood pressure" indicating the systolic blood pressure or diastolic blood pressure, or "outpatient visit" indicating the outpatient visit date or the name of the medical institution. The input value 403 corresponds to the value input by the user of the therapeutic application 103 to each of the input fields 311, 312, 321, and 322.

[0032] The therapeutic application management device 120 stores the input data 104 transmitted from the therapeutic applications 103 for each application, and transmits the input data 104 to a terminal device used by the doctor 101 or the like upon request from the doctor 101 or the like or at a predetermined timing. Note that the therapeutic application management device 120 may transmit the input data 104 to a server of a medical institution where the doctor 101 works, and the doctor 101 may access the server from the terminal used by the doctor 101 to refer to the input data 104.

[0033] (Usage history 105) FIG. 5 is a diagram showing an example of the usage history 105. Next, the usage history 105 will be described in detail with reference to FIG. 5. The therapeutic application management device 120 transmits a part of the above-mentioned input data 104 to the information processing device 130 as the usage history 105. This usage history 105 may include not only the input data 104 input by the patient 102 but also a login history to the therapeutic application 103, and may include an operation history and a browsing history of the therapeutic application 103. The information processing device 130 can receive only the usage history that the patient 102 has agreed to be transmitted to the information processing device 130. For example, when the patient 102 refuses the use of data related to a health condition and permits the use of only the usage history of the therapeutic application 103, the therapeutic application management device 120 transmits only the usage history of the therapeutic application 103 to the information processing device 130. Note that, although a part of the input data 104 is used as the usage history 105 here, the entire input data 104 may be transmitted to the information processing device 130 as the usage history 105 if the patient 102 agrees.

[0034] A user (e.g., an employee of an insurance company) who operates the information processing device 130 cannot grasp the health condition of the patient 102 by referring to the usage history 105, but can determine whether the patient 102 is concerned about his / her health condition and is concentrating on his / her treatment.

[0035] The usage history 105 has an application ID 500, date and time data 501, attribute data 502, and input value 503. The contents of the application ID 500, date and time data 501, attribute data 502, and input value 503 are similar to those of the input data 104 described above, and therefore will not be described. Note that, compared to the input value 403, the input value 503 of this embodiment has some information masked. For example, the input value 503 does not include a value related to the health condition of the patient 102. In the example of FIG. 5, the input value 403 of the attribute "blood pressure" of the attribute data 402 and the input data 104 that does not include the name of the medical institution of the input value 403 of the attribute "outpatient visit" are set as the usage history 105.

[0036] (Management DB203a) FIG. 6 is a diagram showing an example of the management DB 203a. Next, the management DB 203a will be described in detail with reference to FIG. 6. The management DB 203a is a database that stores various information for each insurance contract. In this embodiment, the management DB 203a stores an application ID 605 that identifies the medical treatment application 103 and a usage history 606 of the medical treatment application 103 identified by the application ID 605, in association with various information related to the insurance contract. The management DB 203a has an insurance contract ID 601, insured person information 602, an insurance contract 603, reporting data 604, an application ID 605, and a usage history 606. The management DB 203a may further have various information of the policyholder. The management DB 203a is an example of an ID storage unit that stores the insurance contract ID 601 and the application ID 605 (or an ID associated with the application ID 605) in association with each other as described above. In this manner, the management 203a can store the insurance contract ID 601 in association with the usage history 606 of the medical treatment application 103 identified by the application ID 605.

[0037] The insurance contract ID 601 is an ID given to the insurance. The insurance contract ID 601 may be an ID given to an insurance that has already been contracted, or may be a temporary ID given to an insurance that has not yet been contracted (an insurance that is about to be subscribed).

[0038] The insured information 602 is information on the insured of the insurance specified by the insurance contract ID 601. The insured information 602 includes, for example, an ID given to the insured, the name of the insured, the address of the insured, the age of the insured, and the sex of the insured.

[0039] The insurance 603 indicates the details of the insurance contracted by the insurance contract ID 601. The insurance 603 may be the details of the insurance to be purchased by the customer, which is specified by the temporary ID.

[0040] The reported data 604 is data indicating the health condition of the insured person reported by the insured person, such as the results of a medical examination of the insured person, or information indicating the health condition verbally obtained from the insured person.

[0041] The application ID 605 is an ID given to the medical treatment application 103 used by the insured person identified by the insurance contract ID 601 .

[0042] The usage history 606 is the usage history 105 described above.

[0043] The information processing device 130 acquires the application ID 605 of the therapeutic application 103 used by the insured person, and registers it in the management DB 203a. This application ID 605 may be an ID directly obtained from the insured person (patient 102), or may be an ID obtained by inquiring with the therapeutic application management device 120. Then, the information processing device 130 stores the usage history 105 received from the therapeutic application management device 120 in the usage history 606 of the management DB 203a. For example, the information processing device 130 searches for a record having an application ID that matches the application ID 500 of the usage history 105 received from the therapeutic application management device 120, and stores the usage history 105 received from the therapeutic application management device 120 in the usage history 606 of the record.

[0044] (Insurance condition determination method) Fig. 7 is a flowchart showing a method for determining insurance conditions (insurance condition determining method) The processor 201 of the information processing device 130 executes the insurance condition determining program 203b, thereby executing each process of the flowchart in Fig. 7.

[0045] First, the information processing device 130 registers the insurance contract ID 601, the insured person information 602, the insurance subscribed 603, and the declaration data 604 in the management DB 203a of the information processing device 130 according to input by a user of the information processing device 130 (for example, an employee of an insurance company) (S701).

[0046] Furthermore, the information processing device 130 registers the application ID of the medical treatment application 103 used by the insured person (patient 102) in the management DB 203a of the information processing device 130 in accordance with the user's input (S702).

[0047] Furthermore, when determining the insurance conditions, the user inputs an instruction to determine the insurance conditions to the information processing device 130. The information processing device 130 receives the instruction to determine from the user (S703). For example, when determining whether or not an insurance payment can be made, the user inputs the instruction to determine the insurance conditions to the information processing device 130. Furthermore, an employee of an insurance company inputs the instruction to determine the insurance conditions to the information processing device 130 when determining whether or not insurance can be purchased.

[0048] The information processing device 130 acquires the usage history 105 from the therapeutic application management device 120 in accordance with the determination instruction (S704). Specifically, the information processing device 130 transmits a request to the therapeutic application management device 120 in accordance with the determination instruction and receives the usage history 105 in response to the request. The communication I / F 204 of the information processing device 130 is an example of a usage history transmission request unit that requests the therapeutic application management device 120 or the therapeutic application 103 to transmit the usage history 105, and is also an example of a usage history receiving unit that receives the usage history in response to the request. Note that the therapeutic application management device 120 transmits the usage history 105 to the information processing device 130 on the condition that consent is given by the patient 102. Note that although the information processing device 130 receives the usage history 105 in accordance with the determination instruction, the timing of acquiring the usage history 105 is not limited to the time of input of the determination instruction. For example, the information processing device 130 may acquire the usage history 105 periodically, or may acquire the usage history 105 when data is input to the medical treatment application 103.

[0049] Then, the information processing device 130 determines the insurance conditions based on the preregistered declaration data 604 and the usage history 105 (usage history 606). Note that the information processing device 130 may determine the insurance conditions using the usage history 105 without using the declaration data 604.

[0050] For example, when determining whether or not to subscribe to insurance and the insurance premium at the time of subscription, the information processing device 130 evaluates the frequency of use of the medical treatment app 103 for each predetermined period. Specifically, the information processing device 130 evaluates the frequency of use of the medical treatment app 103 (degree of dedication to treatment) according to the number of times an input value of a specific attribute (e.g., "blood pressure") is registered for each predetermined period (January, February, ...). In addition, the information processing device 130 evaluates whether or not outpatient visits are appropriately performed according to whether or not an input value of a specific attribute (e.g., "outpatient visit") is registered for each predetermined period (January, February, ...). In addition, the information processing device 130 evaluates the report data 604 by classifying it into normal, slightly abnormal, abnormal, etc. The information processing device 130 determines whether or not to subscribe to insurance and the insurance premium at the time of subscription based on the evaluation of the frequency of use of the medical treatment app 103, the evaluation of the outpatient visit, and the rank of the report data. For example, if the frequency of use of the medical treatment app 103 is high, outpatient visits are appropriately performed, and the report data is normal, subscription to insurance is possible and the insurance premium at the time of subscription is low. On the other hand, if the frequency of use of the medical treatment application 103 is low, the patient does not undergo outpatient treatment, and the declared data is abnormal, the patient may not be able to subscribe to the insurance or the insurance premium may be high.

[0051] When determining whether or not to pay the insurance money, the information processing device 130 evaluates the frequency of use of the therapeutic app 103 and evaluates whether the outpatient visit is appropriately made. Then, the information processing device 130 determines whether or not to pay the insurance money based on the evaluation of the frequency of use of the therapeutic app 103 and the evaluation of the outpatient visit. For example, if the frequency of use of the therapeutic app 103 is high and the outpatient visit is appropriately made, it determines that the insurance money can be paid, and if the frequency of use of the therapeutic app 103 is low and the outpatient visit is not appropriately made, it determines that the insurance money cannot be paid.

[0052] In addition, when determining whether or not the insurance can be subscribed to and the insurance premium at the time of subscription, the evaluation of the frequency of use of the therapeutic app 103, the evaluation of outpatient visit, and the rank of the declared data are used, but it is not necessary to use all of them. For example, when determining whether or not the insurance can be subscribed to and the insurance premium at the time of subscription, it is sufficient to use either the evaluation of the frequency of use of the therapeutic app 103 or the evaluation of outpatient visit. In addition, when determining whether or not the insurance payment can be made, the evaluation of the frequency of use of the therapeutic app 103 and the evaluation of outpatient visit are used, but it is not necessary to use all of them. For example, when determining whether or not the insurance payment can be made, it is sufficient to use either the evaluation of the frequency of use of the therapeutic app 103 or the evaluation of outpatient visit.

[0053] Then, the information processing device 130 notifies the determined insurance conditions to the policyholder or the person about to enter into a contract. The method of notifying the insurance conditions may be to display the insurance conditions on a display unit of a terminal device used by an employee of the insurance company, to send an e-mail containing the insurance conditions to the policyholder or the person about to enter into a contract, or to send a document containing the insurance conditions to the policyholder or the person about to enter into a contract.

[0054] (Insurance Condition Judgment Program 203b) The insurance condition determination program 203b executes the following program to control a computer including the processor 201 and the main memory unit 202 of the information processing device 130: A receiving means for receiving a usage history 105 of the medical application 103; and It functions as a determination means for determining the insurance conditions of the insurance for the patient 102 based on the usage history 105.

[0055] The determining means may determine the insurance conditions based on declared data regarding the health condition declared by the patient and the usage history.

[0056] The receiving means may receive only the usage history that the patient 102 has consented to being transmitted.

[0057] The program 203b may cause the computer to function as an ID storage unit that stores an insurance ID (insurance contract ID 601) and an ID of the medical application 103 (application ID 605) or an ID linked to the ID of the medical application 103 in association with each other.

[0058] Furthermore, the program 203b may cause the computer to function as a usage history transmission requesting means for requesting the transmission of a usage history, and as a usage history receiving means for receiving a usage history in response to the request.

[0059] (Modification) Although the present invention has been described above with reference to the embodiments, the embodiments are merely illustrative of the specific examples of the present invention, and the technical scope of the present invention should not be interpreted as being limited by these embodiments. In other words, the present invention can be embodied in various forms without departing from its technical concept or main features.

[0060] For example, in the above embodiment, the information processing device 130 receives the usage history 105 when an insurance contract is made or an insurance payment is made, but the information processing device 130 may receive the usage history 105 when an insurance contract is renewed. The information processing device 130 may determine whether or not to renew an insurance contract based on the received usage history 105, or may determine whether to review the contract details (e.g., insurance premium, insurance period) of the insurance to be renewed.

[0061] Furthermore, when the information processing device 130 is unable to obtain the usage history 105 at the time of contracting the above-mentioned insurance, at the time of paying the insurance money, or at the time of renewing the insurance, the information processing device 130 may notify the patient 102 to check the treatment status.

[0062] In the above embodiment, the information processing device 130 is described as communicating with the therapeutic application management device 120, but the information processing device 130 may communicate with the therapeutic application 103 without going through the therapeutic application management device 120. For example, the information processing device 130 may receive the usage history 105 from the terminal device 110 of the patient 102 in which the therapeutic application 103 is installed, or may transmit a notification to the terminal device 110 to check the above-mentioned treatment status. [Explanation of symbols]

[0063] 100: Insurance condition determination system, 101: Doctor, 102: Patient, 103: Medical application, 104: Input data, 105: Usage history, 110: Terminal device, 120: Medical application management device, 130: Information processing device

Claims

1. An information processing device communicably connected to a terminal device of a patient on which a treatment application prescribed by a doctor for the patient is installed, a receiving unit for receiving a usage history of the therapeutic application; a determination unit that evaluates a frequency of use of the therapeutic application by the patient based on the usage history, and determines insurance conditions of insurance for the patient based on the evaluation; having the determination unit evaluates the usage frequency according to the number of times an input value of a specific attribute is registered in the usage history; The determination unit determines the insurance conditions so that the insurance conditions are more advantageous for the policyholder as the usage frequency increases.

23. An information processing apparatus comprising:

2. The insurance condition of the contracted insurance for the patient is whether or not the insurance payment is possible.

2. The information processing apparatus according to claim 1,

3. The insurance conditions of the uncontracted insurance for the patient are whether or not the patient can enroll in the insurance, or the premium for the insurance.

2. The information processing apparatus according to claim 1,

4. The receiving unit receives only the usage history that the patient has agreed to be transmitted.

2. The information processing apparatus according to claim 1,

5. The insurance ID and the ID of the medical application or an ID linked to the ID of the medical application are stored in association with each other.

2. The information processing apparatus according to claim 1,

6. The determination unit determines the insurance conditions, the evaluation further including an evaluation result as to whether the patient is appropriately receiving outpatient care, the evaluation result being based on declared data regarding a health condition declared by the patient and the usage history.

2. The information processing apparatus according to claim 1,

7. a usage history transmission request unit for requesting transmission of the usage history; a usage history receiving unit that receives the usage history in response to the request; 2. The information processing apparatus according to claim 1,

8. A computer communicably connected to a terminal device of a patient on which a treatment application prescribed by a doctor for the patient is installed, A receiving means for receiving a usage history of the therapeutic application; and evaluating a frequency of use of the therapeutic application by the patient based on the usage history, and determining insurance conditions of insurance for the patient based on the evaluation; the determination means evaluates the usage frequency according to the number of times an input value of a specific attribute is registered in the usage history; The determining means determines the insurance conditions so that the higher the frequency of use, the more advantageous the insurance conditions will be for the policyholder. A program characterized by:

9. The insurance condition of the uncontracted insurance for the patient is whether or not the insurance payment is possible.

9. The program according to claim 8 .

10. The insurance conditions of the uncontracted insurance for the patient are whether or not the patient can enroll in the insurance, or the premium for the insurance.

9. The program according to claim 8 .

11. The receiving means receives only the usage history that the patient has agreed to be transmitted.

9. The program according to claim 8 .

12. The computer, and functioning as an ID storage means for storing the insurance ID and the ID of the medical application or an ID linked to the ID of the medical application in association with each other.

9. The program according to claim 8 .

13. The evaluation means further includes an evaluation result as to whether the patient is appropriately receiving outpatient care, the evaluation result being based on declared data regarding a health condition declared by the patient and the usage history, and determines the insurance conditions.

9. The program according to claim 8 .

14. The computer, a usage history transmission request means for requesting the transmission of the usage history; and 9. The program according to claim 8, further comprising a usage history receiving unit that receives the usage history in response to the request.

15. A computer communicably connected to a terminal device of a patient on which a therapeutic application prescribed by a doctor for the patient is installed receives a usage history of the therapeutic application; and evaluating a frequency of use of the therapeutic application by the patient based on the usage history, and determining insurance terms for insurance covering the patient based on the evaluation; In the determining step, the usage frequency is evaluated according to the number of times an input value of a specific attribute is registered in the usage history; In the determination, the insurance conditions are determined so that the higher the frequency of use, the more advantageous the insurance conditions are for the policyholder. A method for determining insurance conditions.

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