IoT Medical Insurance Risk Evaluation via Segmented Feature Processing
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Solution Overview
Problem
Insurance companies face challenges in accurately evaluating medical insurance risks due to the complexity of assessing individual and related person's medical and insurance features, leading to inefficient risk management and decision-making.
Innovation Solution
A method and system utilizing IoT technology, specifically a medical management platform, to obtain and analyze risk query requests, medical features, and insurance features of evaluation objects and related persons, determining target features and evaluating insurance risks through a synergistic approach, while maintaining privacy protection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If comprehensive medical and insurance features of evaluation object and related persons are assessed, then insurance risk evaluation accuracy is improved, but system complexity increases
Solution Approach 1:
The patent segments the complex risk evaluation system into multiple independent modules: feature acquisition module, feature processing module, risk evaluation module, and feedback module. Each module handles specific tasks (obtaining medical/insurance features, processing related person data, calculating risk scores), which reduces overall system complexity while maintaining comprehensive evaluation capability through modular architecture.
Solution Approach 2:
The patent introduces an intermediary processing layer that receives comprehensive medical and insurance features from multiple sources, processes them through standardized algorithms, and outputs simplified risk evaluation results. This intermediary layer acts as a buffer between complex data inputs and decision-making outputs, managing complexity while preserving evaluation accuracy.
2Loss of information
If multiple data sources including population information platform and medical information platform are integrated, then evaluation comprehensiveness is improved, but information processing time increases
Solution Approach 1:
The patent implements preliminary action by pre-processing and storing medical features and insurance features in standardized formats before actual risk evaluation. Data from population information platform and medical information platform are acquired and structured in advance, so that during the actual evaluation process, pre-processed data can be quickly retrieved and combined without extensive real-time processing.
Solution Approach 2:
The patent transforms complex multi-source data into standardized parameters and features that can be efficiently processed. By converting diverse information from different platforms into uniform parameter formats (medical features, insurance features, related person features), the system enables faster processing while maintaining comprehensive evaluation coverage.
3Measurement precision
If risk evaluation considers both evaluation object and related persons, then risk assessment accuracy is improved, but data processing complexity increases
Solution Approach 1:
The patent segments the data processing task into distinct components: processing the evaluation object's features separately, processing related persons' features separately, and then integrating them through a standardized combination algorithm. This segmentation allows each processing step to be optimized independently while maintaining the ability to comprehensively assess both the evaluation object and related persons.
Data Source
AI summary
Methods and systems for evaluating medical insurance data in a smart city based on the IoT are provided. The method includes: obtaining a risk query request of a user based on a service platform through a user platform, wherein the risk query request may be used to evaluate an insurance risk of an evaluation object; obtaining a related person of the evaluation object based on a population platform; obtaining medical features and insuring features of the evaluation object and the related person based on a medical information platform; determining a target medical feature and a target insuring feature based on the medical features and insuring features of the evaluation object and the related person; determining an evaluation value of the insurance risk based on the target medical feature and the target insuring feature; feeding back the evaluation value to the user through the user platform based on the service platform.