Facial Video Risk Scoring for Personalized Insurance Premiums
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Solution Overview
Problem
Existing life insurance premium systems fail to account for individual health conditions, leading to suboptimal pricing for insurance contractors.
Innovation Solution
An information processing device that estimates mental, brain, and physical disease risk scores from facial video data to tailor health proposals and insurance premiums based on individual health conditions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If uniform life insurance premiums are set for all insurance contractors, then administrative simplicity is maintained, but individual health condition differentiation is lost leading to suboptimal pricing
Solution Approach 1:
The patent segments the uniform insurance premium into multiple differentiated premiums based on individual health conditions. By dividing the population into segments with different health risk profiles (mental, brain, physical diseases) and assigning different premiums to each segment, the system achieves both individualized pricing and administrative feasibility through automated health assessment.
Solution Approach 2:
The patent changes the parameter of insurance premium from a fixed uniform value to a variable value that depends on health condition parameters. By introducing health risk scores as additional parameters that modify the base premium, the system enables dynamic premium adjustment based on individual health status while maintaining a structured pricing framework.
2Measurement precision
If comprehensive health assessments are conducted to personalize insurance premiums, then pricing accuracy is improved, but system complexity and assessment costs increase
Solution Approach 1:
The patent replaces complex manual health assessment procedures with automated image processing and AI-based analysis systems. By substituting mechanical/physical examination methods with computational image analysis of facial features, the system achieves comprehensive health assessment with reduced operational complexity and cost.
Solution Approach 2:
The patent uses facial images as a copy or proxy for comprehensive physical examination. Instead of conducting full medical examinations, the system creates a health risk profile by analyzing facial characteristics that correlate with various diseases, providing a simplified yet effective assessment mechanism.
3Measurement precision
If multiple disease risk scores (mental, brain, physical) are estimated from face video, then comprehensive health assessment is achieved, but processing complexity and data requirements increase
Solution Approach 1:
The patent merges multiple disease risk assessments (mental, brain, physical) into a single integrated evaluation system that processes facial images simultaneously. By combining multiple risk score estimations into one unified processing framework, the system achieves comprehensive health assessment without proportionally increasing processing complexity.
Solution Approach 2:
The patent creates a universal facial image analysis system that serves multiple functions: assessing mental health risks, brain disease risks, and physical disease risks all from the same input data. This multi-functional approach allows comprehensive health evaluation while avoiding the need for separate specialized assessment systems for each disease type.
Data Source
AI summary
In an information processing device, a face video data acquisition means acquires a face video of the subject. A disease risk estimation means estimates a disease risk score including a mental disease risk score, a brain disease risk score, and a physical disease risk score based on the face video of the subject. A proposal means decides a proposal content for the subject based on a combination of the mental disease risk score, the brain disease risk score, and the physical disease risk score. The information processing device can support optimal decision-making regarding the provision of services and products.