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

Risks

Alfredo Cesario¹  Aristodemos Pnevmatikakis¹  Stathis Kanavos¹  Sofoklis Kyriazakos¹  George Matikas¹  Konstantina Kostopoulou¹ 

[1] Innovation Sprint Sprl, Clos Chapelle-aux-Champs 30, 1200 Brussels, Belgium;

关键词: machine learning;    classification;    explainable AI;    risk assessment;   

DOI  :  10.3390/risks9030046

来源: DOAJ

【 摘 要 】

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.

【 授权许可】

Unknown