MEDICAL DIAGNOSTIC-INITIATED INSURANCE OFFERING
Techniques for procuring insurance based upon medical diagnostic examinations may include, with a patient's or customer's permission or consent, auctioning a health profile of the patient or customer, including providing the customer's health profile to one or more insurance providers and receiving one or more bids. A winning bid may be selected, and based upon the winning bid, and existing insurance policy of the customer may be updated, or a new insurance policy with a customer may be established. When the customer's health profile changes, updated insurance or new insurance may automatically be provided to the customer. Using the techniques disclosed herein, patients who have undergone medical examinations may be automatically provided with insurance for which they have been pre-approved and that has a competitive cost, as well as more accurately reflects the patient's risk profile. As a result, insurance or other cost savings may be provided to customers.
1 - 20 . (canceled)
21 . A computer-implemented method for auctioning an opportunity to provide insurance to a group of similarly-situated customers, the method comprising:
analyzing, via one or more processors of a system, customers' medical diagnostic examination results to determine respective health characteristics;
analyzing, via the one or more processors of the system, insurance policy preferences for the customers;
classifying, via the one or more processors of the system, the customers into segments based upon (i) the respective health characteristics, and (ii) the insurance policy preferences;
auctioning or offering for sale, via the one or more processors of the system, an opportunity to provide insurance to a particular segment of customers by transmitting an indication of the particular segment of customers including a description of the common health characteristics and insurance policy preferences for the particular segment for display to potential insurance provider bidders via an electronic or online auction;
receiving, via the one or more processors of the system, a plurality of bids to provide insurance to the particular segment of customers having common health characteristics and insurance policy preferences, the plurality of bids determined by a plurality of insurance provider computing systems;
determining, via the one or more processors of the system, a winning bid from the plurality of bids by comparing each of the plurality of bids against a set of predetermined, prioritized criteria; and
transmitting to a mobile device operated by a customer in the particular segment of customers, via the one or more processors of the system, an indication of a selected insurance offer based on the winning bid, thereby reducing network traffic by automatically selecting the insurance offer without transmitting a plurality of non-binding quotes for the customers to cyclically hone in on acceptable insurance terms.
22 . The computer-implemented method of claim 21 , wherein the predetermined, prioritized criteria include premium cost or insurance provider rating.
23 . The computer-implemented method of claim 21 , wherein the insurance policy preferences include insurance coverage, deductibles, or limits.
24 . The computer-implemented method of claim 21 , wherein the customers' medical diagnostic results are analyzed by the one or more processors of the system to determine respective health characteristics.
25 . The computer-implemented method of claim 24 , wherein the health characteristics include risk scores.
26 . The computer-implemented method of claim 24 , wherein the health characteristics include body mass index, blood pressure level, or medications.
27 . The computer-implemented method of claim 21 , wherein the particular customer segment is based upon occupation, or insurance claim expectations.
28 . The computer-implemented method of claim 21 , the method further comprising:
notifying, via the one or more processors of the system, the customers of new life or health-related insurance policies, premiums, or discounts.
29 . The computer-implemented method of claim 21 , the method further comprising:
automatically detecting, via the one or more processors of the system, health-related events that impact risk associated with a customer or customers.
30 . The computer-implemented method of claim 29 , the method further comprising:
updating, via the one or more processors of the systems, a health profile for customer based upon changes to the customer's health.
31 . The computer-implemented method of claim 30 , the method further comprising:
reassigning, via the one or more processors of the system, a customer to a new segment based upon the customer's updated health profile.
32 . The computer-implemented method of claim 21 , the method further comprising:
reassigning, via the one or more processors of the system, a customer to a new segment based upon their interest in additional insurance.
33 . The computer-implemented method of claim 21 , the method further comprising:
reassigning, via the one or more processors of the system, a customer to a new segment based upon their interest in using telematics device or gathering telematics data.
34 . A computer system for auctioning an opportunity to provide insurance to a group of similarly-situated customers, the system comprising:
one or more network interfaces communicatively coupling the system to respective computing systems of the plurality of insurance providers via one or more electronic or communications networks: and
one or more tangible, non-transitory memories storing particular computer-executable instructions thereon, thereby particularly configuring the system and that, when executed by one or more processors of the system, cause the system to:
analyze customers' medical diagnostic examination results to determine respective health characteristics;
analyze insurance policy preferences for the customers;
classify the customers into segments based upon (i) the respective health characteristics, and (ii) the insurance policy preferences;
auction or offer for sale an opportunity to provide insurance to a particular segment of customers by transmitting an indication of the particular segment of customers including a description of the common health characteristics and insurance policy preferences for the particular segment for display to potential insurance provider bidders via an electronic or online auction;
receive, via the one or more network interfaces, a plurality of bids to provide insurance to the particular segment of customers having common health characteristics and insurance policy preferences, the plurality of bids determined by a plurality of insurance provider computing systems;
determine a winning bid from the plurality of bids by comparing each of the plurality of bids against a set of predetermined, prioritized criteria; and
transmit to a mobile device operated by a customer in the particular segment of customers, via the one or more network interfaces, an indication of a selected insurance offer based on the winning bid, thereby reducing network traffic by automatically selecting the insurance offer without transmitting a plurality of non-binding quotes for the customers to cyclically hone in on acceptable insurance terms.
35 . The computer system of claim 34 , wherein the predetermined, prioritized criteria include premium cost or insurance provider rating.
36 . The computer system of claim 34 , wherein the insurance policy preferences include insurance coverage, deductibles, or limits.
37 . The computer system of claim 34 , wherein the customers' medical diagnostic results are analyzed by the one or more processors of the system to determine respective health characteristics.
38 . The computer system of claim 34 , the system further configured to: notify customers of new life or health-related insurance policies, premiums, or discounts.
39 . The computer system of claim 34 , the system further configured to: automatically detect health-related events that impact risk associated with a customer or customers.
40 . The computer system of claim 39 , the system further configured to: update a health profile for customer based upon changes to the customer's health.