Reckoner for health risk and insurance premium using adaptive neuro-fuzzy inference system
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ORIGINAL ARTICLE
Reckoner for health risk and insurance premium using adaptive neuro-fuzzy inference system Nidhi Arora • Sanjay K. Vij
Received: 2 February 2012 / Accepted: 7 September 2012 Springer-Verlag London Limited 2012
Abstract The paper demonstrates an efficient use of intelligent system for solving the classification problem in the sector of health insurance. A model based on adaptive neuro-fuzzy inference system (ANFIS) is proposed to deal with the fuzziness in the real-life environments. This approach enables the interpretation of majority of health factors of an insurance seeker through a set of fuzzy rules to determine the degree of risk to an individual. A fuzzy neural network has been trained with fuzzy inputs like age, occupation, family size, smoking habits, drinking habits, diabetes history, heart disease and other relevant inputs of individual for risk calculation. The model gets importance in health insurance sector because risk determination is fuzzy in nature, and fuzzy calculations are done more accurately by machines rather than human beings especially for the problems which are repetitive in nature and have large number of vague parameters. The proposed model can help the insurance seeker to identify the degree of risk he is having if he is not taking health insurance. This serves a dual purpose of attracting the insurance seeker to acquire the insurance and facilitate generating business to insurance company. Indicative results are presented and discussed in detail in terms of accuracy and solution interpretability.
N. Arora (&) M.C.A. Department, U.V. Patel College of Engineering, Ganpat University, Kherva, Mehsana 382711, India e-mail: [email protected] S. K. Vij M.C.A. Department, Sardar Vallabhbhai Patel Institute of Technology, Vasad 388306, India e-mail: [email protected]
Keywords Insurance Health risk Risk determinants Premium Neuro-fuzzy network
1 Introduction People around the world today suffer from high levels of stress due to busy and fast life. Long hours at work, little exercise, disregard for a healthy balanced diet and a consequent dependence on junk food have weakened our immune systems and put us at an increased risk of contracting illnesses. Obesity, high blood pressure, strokes and heart attacks, which were earlier considered rare, now affect an increasing number of people. Studies reveal that noncommunicable diseases such heart diseases, stroke, diabetes and cancer, now make up two-thirds of all deaths globally, due to the population aging and the spread of risk factors associated with globalization and urbanization. The control of risk factors such as tobacco use, sedentary lifestyle, unhealthy diet and excessive use of alcohol becomes more critical. The latest World Health Organization (WHO) figures showed that about 4 out of 10 men and 1 in 11 women are using tobacco and about 1 in 8 adults is obese. In addition, many developing countries continue to battle health issues such as pneumonia, diarrhea and malaria that are most likely to kill ch
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