CATEGORY: eHealth, Health monitoring, e-Health applications

Risk Assessment for Personalized Health Insurance Based on Real-World Data

1   Innovation Sprint Sprl, Clos Chapelle-aux-Champs 30, 1200 Brussels, Belgium 2   Scientific Directorate, Fondazione Policlinico A. Gemelli IRCCS, 00168 Rome, Italy 3   Business Development and Technology Department, School of Business and Social Sciences, Aarhus University, Birk Centerpark 15, 7400 Herning, Denmark *   Author to whom correspondence should be addressed.

The way one leads their life is considered an important factor in health. In this paper we propose a system to provide risk assessment based on behavior for the health insurance sector. To do so we built a platform to collect real-world data that enumerate different aspects of behavior, and a simulator to augment actual data with synthetic. Using the data, we built classifiers to predict variations in important quantities for the lifestyle of a person. We offer a risk assessment service to the health insurance professionals by manipulating the classifier predictions in the long-term. We also address virtual coaching by using explainable Artificial Intelligence (AI) techniques on the classifier itself to gain insights on the advice to be offered to insurance customers.

Keywords: machine learning; classification; explainable AI; risk assessment

More Publications

Your Privacy

This website uses Cookies to optimize the website use, as well as to adapt to the users’ interests and needs. By browsing the website, the user accepts the use of cookies according to this policy, which is an expansion of the banner for the use of cookies, which appears when a user visits for first time the company’s website home page. Cookies are small text files stored on the user’s computer or other devices (smartphones/tablets) when browsing the website, so that the latter be able to retrieve that information and provide the user with more efficient navigation features.

More Information