Health Condition Indicator Evaluation System
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Solution Overview
Problem
Insurance companies face challenges in accurately categorizing individuals into health-based insurance types due to subjective and inefficient evaluation methods, which affect the determination of insurance services and fees.
Innovation Solution
A method and system for evaluating a health condition indicator using a host with a processor and storage circuit, which obtains a reference heart rate, determines a heart rate indicator, a fitness indicator, and an age indicator, and combines these to calculate a health condition indicator, enabling objective categorization of individuals.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If traditional subjective evaluation methods are used to assess health conditions, then the evaluation process is simple, but the accuracy and objectivity of health categorization deteriorates
Solution Approach 1:
The health condition assessment is divided into multiple independent indicator dimensions including heart rate indicator, fitness indicator, age indicator, and other health parameters. Each indicator is evaluated separately using specific measurement methods, then combined to form the overall health condition assessment. This segmentation enables objective, multi-dimensional evaluation while maintaining system manageability.
Solution Approach 2:
The patent replaces traditional subjective manual evaluation methods with an automated computer-based assessment system. The system automatically collects physiological data (heart rate, fitness parameters), processes information through computational algorithms, and generates objective health categorizations. This substitution eliminates human bias and subjectivity while improving measurement precision through standardized digital metrics.
2Measurement precision
If comprehensive health indicators are collected and processed, then the accuracy of risk assessment improves, but the time required for evaluation increases
Solution Approach 1:
The system pre-establishes reference values, weightings, and computational algorithms for health indicators before actual assessment. Reference heart rates, fitness thresholds, and age adjustments are predetermined based on population data and medical standards. This preliminary preparation enables rapid automated evaluation during actual insurance assessment without requiring time-consuming calculations or subjective judgments during the assessment process.
Solution Approach 2:
Manual health assessment procedures are replaced with automated computer processing that rapidly calculates health indicators and generates categorizations. The system automatically processes physiological data, applies pre-programmed algorithms, and produces risk assessments instantaneously, eliminating the time-consuming nature of manual evaluation while maintaining comprehensive assessment coverage.
Data Source
AI summary
The embodiments of the disclosure provide a method for evaluating a health condition indicator of a subject, a host, and a computer readable storage medium. The method includes: obtaining a reference heart rate of the subject and determining a heart rate indicator of the subject according to the reference heart rate; determining a fitness indicator of the subject based on physiological information of the subject; determining an age indicator of the subject based on an age of the subject; and determining the health condition indicator of the subject at least based on the heart rate indicator, the fitness indicator, and the age indicator.