A health insurance recommendation system

Abstract

The present invention relates to a system (1) for recommending the most suitable health insurance by analyzing habits and frequency of visits of customers to the doctor, times of illness, staff / patient capacities of hospitals and hospitals close to their location, monthly payment capacity and the risks of illness due to their occupation.

Description

[0001] A HEALTH INSURANCE RECOMMENDATION SYSTEM

[0002] Technical Field

[0003] The present invention relates to a system for recommending the most suitable health insurance by analyzing habits and frequency of visits of customers to the doctor, times of illness, staff / patient capacities of hospitals and hospitals close to their location, monthly payment capacity and the risks of illness due to their occupation.

[0004] Background of the Invention

[0005] Today, health insurance is offered to customers by taking into account the age, gender and previous illnesses of the customer. However, there are no available applications that enable the customer to be offered health insurance premiums by considering the hospitals in the vicinity of the location of the patient and the density created by the ratio of the number of doctors / patients working in these hospitals, by also analyzing the staff and patient capacities in the hospitals in addition to taking into account the time / frequency of the visits of the customers to the doctor and the time of the illnesses, and that enable the customer to be offered the most suitable premium by analyzing the monthly payment capacity of the customer and the risks of getting / transmitting / carrying diseases due to his / her occupation while doing so.

[0006] For this reason, considering the studies and deficiencies included in the current technique, it is understood that there is a need for a system for recommending the most suitable health insurance by analyzing habits and frequency of visits of customers to the doctor, times of illness, staff / patient capacities of hospitals and hospitals close to their location, monthly payment capacity and the risks of illness due to their occupation.

[0007] The United States patent document no. US2023032514, an application included in the state of the art, discloses an insurance recommendation system. The invention subject to the said United States patent document includes techniques for initiating insurance offers based on medical diagnostic examinations, including, for each of a plurality of stored examination results: with a patient's or customer's affirmative consent or permission, determining a health profile of a respective patient; determining, based upon contents of the health profile, whether or not the patient is eligible for one or more offers of insurance; providing the health profile of an eligible patient to one or more insurance providers; and / or receiving one or more insurance offers that include binding quotes for insurance. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically selected and provided with insurance offers for which they have been pre-approved. The insurance offers may include binding quotes for insurance coverage. As a result, insurance or other cost savings may be provided to patients or other customers (e.g., parents of young patients).

[0008] Summary of the Invention

[0009] An object of the present invention is to realize a system developed with the aim of recommending the most suitable health insurance by analyzing habits and frequency of visits of customers to the doctor, times of illness, staff / patient capacities of hospitals and hospitals close to their location, monthly payment capacity and the risks of illness due to their occupation.

[0010] Detailed Description of the Invention

[0011] “A Health Insurance Recommendation System” realized to fulfil the objective of the present invention is shown in the figure attached, in which: Figure 1 is a schematic view of the inventive system.

[0012] The components illustrated in the figure are individually numbered, where the numbers refer to the following:

[0013] 1. System

[0014] 2. Electronic device

[0015] 3. Interface

[0016] 4. Server

[0017] The inventive system (1) developed with the aim of enabling the most suitable health insurance to be recommended comprises at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one application thereon; at least one interface (3) which is configured to be run on the electronic device (2); and to enable the most suitable health insurance premium to be displayed and confirmed; and at least one server (4) which is configured to establish connection with the electronic device (2) by using any communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection; to calculate the most suitable health insurance premium according to customer and hospital status and to present it on the interface (3).

[0018] The electronic device (2) included in the inventive system (1) is configured to exchange data by using any remote communication protocol and to run at least one application thereon. The electronic device (2) is a device in the form of a cell phone, tablet computer, desktop computer and / or portable computer. The electronic device (2) is configured to run the interface (3) thereon. The electronic device (2) is configured to establish connection with the server (4) by using any remote communication protocol included in the state of the art.

[0019] The interface (3) included in the inventive system (1) is configured to be run on the electronic device (2). The interface (3) is configured to enable users to display and confirm the most suitable health insurance premium calculated through the server (4). The server (4) included in the inventive system (1) is configured to establish connection with the electronic device (2) by using any communication protocol included in the state of the art, and to establish communication with the interface (3) run on the electronic device (2) through this established connection. The server (4) is configured to analyze the habits of customers to visit the doctor. The server (4) is configured to analyze the time and frequency of illnesses of the customers. The server (4) is configured to analyze the hospitals located near the customer and the average daily staff and patient capacity of these hospitals. The server (4) is configured to calculate the monthly payment capacity of the customer and the risk of getting / carrying the disease of the occupational group in which s / he works. The server (4) is configured to calculate the most suitable health insurance premium for the customer and present it to the customer on the interface (3) by taking into account the analysis of the habits of the customers to visit the doctor, the analysis of the time and frequency of the illnesses of the customers, the analysis of the hospitals located near the customer and the average daily staff and patient capacity of these hospitals, the monthly payment capacity of the customer and the risk of getting / carrying the disease of the occupational group in which s / he works.

[0020] Industrial Application of the Invention

[0021] In the inventive system (1), it is enabled to recommend the most suitable health insurance by analyzing habits and frequency of visits of customers to the doctor, times of illness, staff / patient capacities of hospitals and hospitals close to their location, monthly payment capacity and the risks of illness due to their occupation.

[0022] Within these basic concepts; it is possible to develop various embodiments of the inventive “A Health Insurance Recommendation System (1)”; the invention cannot be limited to examples disclosed herein and it is essentially according to claims.

Claims

CLAIMS1. A system (1) developed with the aim of enabling the most suitable health insurance to be recommended; comprising at least one electronic device (2) which is configured to exchange data by using any remote communication protocol and to run at least one application thereon; at least one interface (3) which is configured to be run on the electronic device (2); and to enable the most suitable health insurance premium to be displayed and confirmed; and characterized by at least one server (4) which is configured to establish connection with the electronic device (2) by using any communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection; to calculate the most suitable health insurance premium according to customer and hospital status and to present it on the interface (3).

2. A system (1) according to Claim 1; characterized by the electronic device (2) which is a device in the form of a cell phone, tablet computer, desktop computer and / or portable computer; and is configured to exchange data by using any remote communication protocol and to run at least one application thereon.

3. A system (1) according to Claim 1 or 2; characterized by the electronic device (2) which is configured to run the interface (3) thereon.

4. A system (1) according to Claim 3; characterized by the electronic device (2) which is configured to establish connection with the server (4) by using any remote communication protocol.

5. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to be run on the electronic device (2).

6. A system (1) according to any one of the preceding claims; characterized by the interface (3) which is configured to enable users to display and confirm the most suitable health insurance premium calculated through the server (4).

7. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to establish connection with the electronic device (2) by using any remote communication protocol; and to establish communication with the interface (3) run on the electronic device (2) through this established connection.

8. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to analyze the habits of customers to visit the doctor.

9. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to analyze the time and frequency of illnesses of the customers.

10. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to analyze the hospitals located near the customer and the average daily staff and patient capacity of these hospitals.

11. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to calculate the monthly paymentcapacity of the customer and the risk of getting / carrying the disease of the occupational group in which s / he works.

12. A system (1) according to any one of the preceding claims; characterized by the server (4) which is configured to calculate the most suitable health insurance premium for the customer and present it to the customer on the interface (3) by taking into account the analysis of the habits of the customers to visit the doctor, the analysis of the time and frequency of the illnesses of the customers, the analysis of the hospitals located near the customer and the average daily staff and patient capacity of these hospitals, the monthly payment capacity of the customer and the risk of getting / carrying the disease of the occupational group in which s / he works.

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