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

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Innovation Sprint Sprl, Clos Chapelle-aux-Champs 30, 1200 Brussels, Belgium
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Scientific Directorate, Fondazione Policlinico A. Gemelli IRCCS, 00168 Rome, Italy
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Business Development and Technology Department, School of Business and Social Sciences, Aarhus University, Birk Centerpark 15, 7400 Herning, Denmark
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Author to whom correspondence should be addressed.
Academic Editor: Mogens Steffensen
Risks 2021, 9(3), 46; https://doi.org/10.3390/risks9030046
Received: 2 February 2021 / Revised: 19 February 2021 / Accepted: 21 February 2021 / Published: 1 March 2021
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. View Full-Text
Keywords: machine learning; classification; explainable AI; risk assessment machine learning; classification; explainable AI; risk assessment
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MDPI and ACS Style

Pnevmatikakis, A.; Kanavos, S.; Matikas, G.; Kostopoulou, K.; Cesario, A.; Kyriazakos, S. Risk Assessment for Personalized Health Insurance Based on Real-World Data. Risks 2021, 9, 46. https://doi.org/10.3390/risks9030046

AMA Style

Pnevmatikakis A, Kanavos S, Matikas G, Kostopoulou K, Cesario A, Kyriazakos S. Risk Assessment for Personalized Health Insurance Based on Real-World Data. Risks. 2021; 9(3):46. https://doi.org/10.3390/risks9030046

Chicago/Turabian Style

Pnevmatikakis, Aristodemos, Stathis Kanavos, George Matikas, Konstantina Kostopoulou, Alfredo Cesario, and Sofoklis Kyriazakos. 2021. "Risk Assessment for Personalized Health Insurance Based on Real-World Data" Risks 9, no. 3: 46. https://doi.org/10.3390/risks9030046

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