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WO2018195567A1 - Procédé d'exploitation d'un régime d'assurance - Google Patents

Procédé d'exploitation d'un régime d'assurance Download PDF

Info

Publication number
WO2018195567A1
WO2018195567A1 PCT/ZA2018/050020 ZA2018050020W WO2018195567A1 WO 2018195567 A1 WO2018195567 A1 WO 2018195567A1 ZA 2018050020 W ZA2018050020 W ZA 2018050020W WO 2018195567 A1 WO2018195567 A1 WO 2018195567A1
Authority
WO
WIPO (PCT)
Prior art keywords
person
insured
input variables
likelihood
age
Prior art date
Application number
PCT/ZA2018/050020
Other languages
English (en)
Inventor
Johannes Jacobus ROSSOUW
Original Assignee
Rossouw Johannes Jacobus
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Rossouw Johannes Jacobus filed Critical Rossouw Johannes Jacobus
Publication of WO2018195567A1 publication Critical patent/WO2018195567A1/fr
Priority to ZA2019/07544A priority Critical patent/ZA201907544B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • a method for operating an insurance scheme which includes: - determining input variables for a particular person to be insured; capturing the input variables according to data of the particular person; determining a likelihood of the person living to a specified age, the likelihood being based on the input variables; determining a monthly premium payable by an insured person based on the likelihood; and determining a pay-out amount to be paid to the insured user in the event that the insured person lives to the specified age.
  • the input variables may include a choice of the user as to desired pay-out age and to a desired pay-out amount.
  • the input variables may be weighted according to their relative influence on the likelihood of the person to be insured to live to the specified age.
  • the input variables may further include life expectancy data and/or health data, both of which may correspond to any suitable group and/or population of people.
  • the health data may correspond to a family member of the person to be insured or to the person directly.
  • the health data of the person to be insured may include any one or more of the group comprising occupation, age, activity data, health history and smoking status.
  • the payment of monthly premiums may be tracked and captured until the insured user reaches the specified age so as to ensure that all required payments are made before the insured user is paid the pay-out amount.
  • Figure 1 shows a flow chart depicting a general overview of the method of operating an insurance scheme in accordance with the present invention
  • Figure 2 shows a hypothetical timeline depicting a portion of the scheme to be carried out once a user is insured; and Figure 3 shows a diagram depicting the various constituents of health data.
  • a method for operating an insurance scheme 10 includes determining input variables 12 for a particular person 14 to be insured, capturing the input variables 12 according to data of the particular person 14, determining a likelihood 16 of the person 14 living to a specified age 18, the likelihood 16 being based on the input variables 12, determining a monthly premium 20 payable by an insured person 22 based on the likelihood 16 and determining a pay-out amount 24 to be paid to the insured person 22 in the event that the insured person 22 lives to the specified age 18.
  • the input variables 12 include a choice 32 of the person to be insured 14 as to pay-out age 18 and pay-out amount 24.
  • the input variables 12 are weighted so as to accommodate the varying extent to which the input variables 12 influence the likelihood 16 of the person to be insured 14 living to the specified age 18.
  • the input variables 12 further include life expectancy data 26 and health data 28, both of which correspond to any suitable group of people.
  • the health data 28 corresponds to a family member (not shown) of the person to be insured 14 and to the person 14 directly.
  • the health data 28 of the person to be insured 14 includes any one or more of the group comprising occupation 34, current age 36, activity data 38, health history 40 and smoking status 42.
  • the payment of monthly premiums 20 are tracked and captured until the insured person 22 reaches the specified age 18 so as to ensure that all required payments are made before the insured user 22 is paid the pay-out amount 24. In the event that the insured user 22 does not live to the specified pay-out age 18, the payout amount 24 will not be paid out.
  • the specified age to which an insured user is to live in order to be paid the pay-out amount is chosen to be 90 years old.
  • Person A is a healthy 25-year-old. Person A does not smoke and maintains a healthy lifestyle which includes regular exercise and a balanced diet.
  • Person B is 60 years old and is a smoker. Person B has a history of high blood pressure and does not exercise regularly.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé d'exploitation d'un régime d'assurance (10) qui consiste à : déterminer des variables d'entrée (12) pour une personne particulière (14) devant être assurée ; capturer les variables d'entrée (12) en fonction des données de la personne particulière (14) ; déterminer une probabilité (16) que la personne (14) vive jusqu'à un âge spécifié (18), la probabilité (16) étant basée sur les variables d'entrée (12) ; déterminer une prime mensuelle (20) payable par la personne assurée (14) d'après cette probabilité (16) et déterminer un montant de paiement (24) qui doit être payé à la personne assurée (14) dans le cas où la personne assurée (14) vivrait jusqu'à l'âge spécifié (18).
PCT/ZA2018/050020 2017-04-21 2018-04-23 Procédé d'exploitation d'un régime d'assurance WO2018195567A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
ZA2019/07544A ZA201907544B (en) 2017-04-21 2019-11-14 A method for operating an insurance scheme

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA201702805 2017-04-21
ZAZAP2017/02805 2017-04-21

Publications (1)

Publication Number Publication Date
WO2018195567A1 true WO2018195567A1 (fr) 2018-10-25

Family

ID=63855404

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2018/050020 WO2018195567A1 (fr) 2017-04-21 2018-04-23 Procédé d'exploitation d'un régime d'assurance

Country Status (2)

Country Link
WO (1) WO2018195567A1 (fr)
ZA (1) ZA201907544B (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002073360A2 (fr) * 2001-03-13 2002-09-19 M Financial Holdings, Inc., Doing Business As M Financial Group Produits d'assurance-vie sous forme reglementaire unique
US20060080155A1 (en) * 2000-01-03 2006-04-13 Renters Legal Liability, LLC, a limited liability company of the State of Utah Method and apparatus for insuring multiple unit dwellings
EP2431935A1 (fr) * 2005-10-21 2012-03-21 Jonathan Samuels Option d'assurance-vie

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060080155A1 (en) * 2000-01-03 2006-04-13 Renters Legal Liability, LLC, a limited liability company of the State of Utah Method and apparatus for insuring multiple unit dwellings
WO2002073360A2 (fr) * 2001-03-13 2002-09-19 M Financial Holdings, Inc., Doing Business As M Financial Group Produits d'assurance-vie sous forme reglementaire unique
EP2431935A1 (fr) * 2005-10-21 2012-03-21 Jonathan Samuels Option d'assurance-vie

Also Published As

Publication number Publication date
ZA201907544B (en) 2022-04-28

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