Title: Study of Two-layer Dynamic Fuzzy Underwriting system in health insurance

Authors: Yifei Wang, Yuan Liu

Addresses: Department of Information Technology, China Life Insurance Company Ltd, Beijing, 100020, China. ' Institute of Electronics, Chinese Academy of Sciences, Beijing, 100080, China

Abstract: Theory of computer-aided underwriting and study status of Fuzzy Underwriting technology in health insurance are analysed. Faced to the health insurance market in Chinese Mainland, the Two-layer Dynamic Fuzzy Underwriting (TDFU) system, a computer decision support system consisting of Fuzzy Applications Classification and Fuzzy Applications Analysis is built, feasibility and superiority of this system are demonstrated, and mode of its development is discussed. Operation strategy, core algorithm and program flow of TDFU system are designed. A TDFU system in serious illness insurance, a typical health insurance, is also developed in detail.

Keywords: health insurance; computer DSS; decision support systems; dynamic fuzzy underwriting; TDFU; fuzzy applications classification; fuzzy applications analysis; China; computer-aided underwriting; serious illness.

DOI: 10.1504/IJBET.2008.020071

International Journal of Biomedical Engineering and Technology, 2008 Vol.1 No.4, pp.427 - 438

Published online: 25 Aug 2008 *

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