Insurance processing systems and methods using mobile devices for medical monitoring

1. An insurance system, comprising:

a data storage device for storing, updating and providing access to data defining a plurality of medical monitoring rules;

a computer processor for executing program instructions and for retrieving said medical monitoring rule data from the data storage device;

a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to

process an insurance request message, said insurance request message including data identifying an insurance request from a user associated with a mobile device;

determine that said insurance request is associated with at least one medical monitoring rule;

generate an insurance monitoring request for transmission to said user associated with said mobile device, said insurance monitoring request including data identifying a medical monitoring application to be installed on said mobile device and operated to collect medical data from said user associated with said mobile device said insurance monitoring request and said medical monitoring application selected based on said at least one medical monitoring rule;

receiving information associated with said medical data collected from said mobile device operating said medical monitoring application; and

generating a response to said insurance request message based at least in part on said medical data.

2. The insurance system of claim 1 , further comprising:

an insurance determination module, coupled to a computer processor, and storing program instructions for execution by the computer processor to adjust a premium associated with an insurance policy based at least in part on said medical data.

3. The insurance system of claim 1 , further storing program instructions for execution by the computer processor to:

apply said at least one medical monitoring rule to said medical data collected from said mobile device to determine a premium level for said user.

4. The insurance system of claim 1 , further storing program instructions for execution by the computer processor to:

provide, to said medical monitoring application of said mobile device associated with said user, instructions to collect further medical data associated with said at least one medical monitoring rule; and

receive further information associated with said further medical data collected from said mobile device operating said medical monitoring application.

5. The insurance system of claim 1 , further storing program instructions for execution by the computer processor to:

generate information for transmission to said medical monitoring application of said mobile device associated with said user, said information for presentation to a user of said mobile device, and said information associated with said medical data received from said mobile device.

6. The insurance system of claim 1 , wherein said medical monitoring rule is associated with at least two types of insurance coverages, at least one of which is a life insurance coverage.

7. A method for operating a mobile device, comprising:

installing a medical monitoring application associated with a user of said mobile device, said medical monitoring application including configuration data associated with at least a first medical monitoring rule, said medical monitoring application and said configuration data generated by an insurance company in response to an insurance request by said user;

displaying, under control of said medical monitoring application, a series of instructions to cause said mobile device to be configured to communicate with at least a first biometric sensor;

collecting, based on said at least first medical monitoring rule, a set of biometric data from said at least first biometric sensor; and

transmitting said set of biometric data from said mobile device to a remote processing system.

8. The method of claim 7 , wherein said at least first medical monitoring rule specifies at least one of a frequency and a schedule of said collecting a set of biometric data.

9. The method of claim 7 , wherein said medical monitoring application further includes at least a first verification rule.

10. The method of claim 9 , the method further comprising:

collecting, based on said at least one verification rule, verification data to verify an identity of said user prior to said collecting said set of biometric data.

11. The method of claim 10 , further comprising:

transmitting said verification data with said set of biometric data to said remote processing system.

12. The method of claim 10 , wherein said verification data is based at least in part on biometric data associated with said user.

13. The method of claim 7 , wherein said medical monitoring application further includes configuration data associated with a second medical monitoring rule, the method further comprising:

displaying, under control of said medical monitoring application, a series of instructions to cause said mobile device to be configured to communicate with a second biometric sensor;

collecting, based on said at least second medical monitoring rule, a second set of biometric data from said second biometric sensor; and

transmitting said set of biometric data and said second set of biometric data to said remote processing system.

14. The method of claim 7 , wherein said first biometric sensor is configured to communicate with said mobile device using at least one of a wireless or a wired interface.

15. A computer-implemented insurance processing method, comprising:

receiving, by a computer system, an insurance request from a user, said insurance request including data identifying a medical condition of said user;

determining that medical data associated with said user and said medical condition is required to process said insurance request;

identifying, based on said medical condition, at least a first medical monitoring rule;

providing, to a mobile device associated with said user, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said mobile device associated with said user;

receiving, from said mobile device, biometric data associated with said first medical monitoring rule; and

processing, by a computer system, said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data.

16. The computer-implemented insurance processing method of claim 15 , wherein said insurance request is a request for a new insurance policy.

17. The computer-implemented insurance processing method of claim 15 , wherein said insurance request is a request for a renewal of an existing insurance policy.

18. The computer-implemented insurance processing method of claim 15 , wherein said configuration data associated with said at least first medical monitoring rule defines a frequency and schedule associated with the collection of said biometric data.

19. The computer-implemented insurance processing method of claim 15 , further comprising generating at least a first user verification rule, wherein said medical monitoring application further includes configuration data for applying said at least first user verification rule.

20. The computer-implemented insurance processing method of claim 19 , wherein said receiving said biometric data further comprises receiving verification data based on said at least first user verification rule, the method further comprising:

verifying an identity of said user based on said verification data.

21. A portable wireless communication device, comprising:

a touch-sensitive display screen;

a communication port;

a processor;

a memory;

and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including:

instructions for presentation to a user of said device, said instructions defining a sequence of steps to configure a sensor for use with said device, the instructions established based on configuration data defined by at least a first medical monitoring rule identified in response to an insurance request by said user;

instructions for collecting data from said sensor, said instructions including information specifying a schedule for said collecting and information specifying a user authentication process, the schedule for said collecting based on configuration data defined by said at least first medical monitoring rule; and

instructions for transmitting said collected data and said results of said user authentication process to a remote insurance processing system using said communication port.

22. The device of claim 21 , further comprising:

instructions for receiving a response message from said remote insurance processing system using said communications port, said response message including instructions for collecting further data from said sensor.

23. A computer-implemented insurance processing method, comprising:

receiving, at an insurance computer system, an insurance request associated with a policy covering a plurality of individuals, said insurance request including data identifying said plurality of individuals and an associated medical condition of said individuals;

determining that medical data associated with said plurality of individuals and said associated medical condition is required to process said insurance request;

identifying, based on said medical condition, at least a first medical monitoring rule;

providing, to a plurality of mobile devices associated with said plurality of individuals, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said plurality of mobile devices associated with said plurality of individuals;

receiving, from each of said plurality of mobile devices, biometric data associated with said first medical monitoring rule collected from each of said plurality of individuals; and

processing said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data.

24. The computer-implemented insurance processing method of claim 23 , wherein said insurance request is a request for a new insurance policy.

25. The computer-implemented insurance processing method of claim 23 , wherein said insurance request is a request for a renewal of an existing insurance policy.

26. The computer-implemented insurance processing method of claim 23 , wherein said configuration data associated with said at least first medical monitoring rule defines a frequency and schedule associated with the collection of said biometric data.

27. The computer-implemented insurance processing method of claim 23 , wherein said policy is at least one of a group benefits policy, a workers compensation policy and a commercial insurance policy.