Risk assessment for personalized health insurance based on real-world data

Artikel

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.

Object Details

• Language: Englisch

References and Relationships

• Bibliographic citation: Journal: Risks ; ISSN: 2227-9091 ; Volume: 9 ; Year: 2021 ; Issue: 3 ; Pages: 1-15 ; Basel: MDPI

Classification and Topics

• Classification: Wirtschaft
• Subject: classification ; explainable AI ; machine learning ; risk assessment

Contributors, Places and Time

• Event: Geistige Schöpfung
• (who): Pnevmatikakis, Aristodemos ; Kanavos, Stathis ; Matikas, George ; Kostopoulou, Konstantina ; Cesario, Alfredo ; Kyriazakos, Sophoklēs
• Event: Veröffentlichung
• (who): MDPI
• (where): Basel
• (when): 2021

Further information

• DOI: doi:10.3390/risks9030046
• Handle: http://hdl.handle.net/10419/258135
• Last update: 10.03.2025, 11:43 AM CET