公开(公告)号：US20150112729A1

公开(公告)日：2015-04-23

申请号：US14056251

申请日：2013-10-17

Applicant: Elwha LLC

Inventor： Michael H. BAYM ,  Philip A. ECKHOFF ,  Roderick A. HYDE ,  Muriel Y. ISHIKAWA ,  Edward K.Y. JUNG ,  Jordin T. KARE ,  Eric C. LEUTHARDT ,  Gary L. MCKNIGHT ,  Tony S. PAN ,  Clarence T. TEGREENE ,  Lowell L. WOOD, JR. ,  Victoria Y.H. WOOD

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: An embodiment of a method includes generating a description of an asset that includes at least one coverage-denial contract, and generating an offer to transfer, or a solicitation of an offer to acquire, the asset. The asset may also include one or more instruments other than the at least one coverage-denial contract. Such an embodiment may allow a party to a coverage-denial contract to diversify its risk, or to recoup at least a portion of the fee it paid under the contract. An example of a coverage-denial contract includes a party paying a fee (e.g., an insurance premium) for another party to take an action (e.g., pay money to, or on behalf of, the party) if an insurer under another contract denies coverage for treating an insured under the other contract.

Abstract translation: 一种方法的实施例包括生成包括至少一个覆盖拒绝合同，以及生成要转让的要约或招揽收购该资产的资产的描述。 该资产还可以包括除了至少一个覆盖拒绝合同之外的一个或多个工具。 这样的一个实施方案可以允许一个拒绝合同的一方使其风险多样化，或者收回根据合同支付的费用的至少一部分。 覆盖拒绝合同的一个例子包括另一方为另一方采取行动（例如，支付或代表该方支付费用）（如保险费）的一方，如果另一合同的保险人否认 根据另一份合同处理被保险人的费用。

公开(公告)号：US20150112727A1

公开(公告)日：2015-04-23

申请号：US14056228

申请日：2013-10-17

Applicant: Elwha LLC

Inventor： Michael H. BAYM ,  Philip A. ECKHOFF ,  Roderick A. HYDE ,  Muriel Y. ISHIKAWA ,  Edward K.Y. JUNG ,  Jordin T. KARE ,  Eric C. LEUTHARDT ,  Gary L. MCKNIGHT ,  Tony S. PAN ,  Clarence T. TEGREENE ,  Lowell L. WOOD, JR. ,  Victoria Y.H. WOOD

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: An embodiment of a risk-management method includes determining a risk that an insurer will deny coverage for treating an insured for a condition, and calculating, in response to a determined risk, a fee for taking an action if the insurer denies coverage for treating the insured. Such an embodiment may aid in managing a risk of a liability that may be incurred if an insurer under a medical insurance policy denies coverage for treating an insured under the policy. Examples of such liability include money owing to a physician or other provider that treated the insured, interest on the money owing, late fees and other penalties, and a downgrading of the credit of the insured or of a party financially responsible for the insured.

Abstract translation: 风险管理方法的具体实施方式包括确定保险人将拒绝对被保险人进行治疗的风险，并且如果保险人否认为了治疗受保人而承担的费用，则根据所确定的风险来计算采取行动的费用 投保 如果医疗保险单下的保险公司拒绝根据保险单对待被保险人进行保险，这样一个实施例可能有助于管理可能发生的责任风险。 这种责任的例子包括由医生或其他提供者处理被保险人的利息，欠款的利息，逾期费用和其他处罚，以及被保险人或对被保险人负有财务责任的一方的信用的降级。

公开(公告)号：US20150112728A1

公开(公告)日：2015-04-23

申请号：US14056236

申请日：2013-10-17

Applicant: Elwha LLC

Inventor： Michael H. BAYM ,  Philip A. ECKHOFF ,  Roderick A. HYDE ,  Muriel Y. ISHIKAWA ,  Edward K.Y. JUNG ,  Jordin T. KARE ,  Eric C. LEUTHARDT ,  Gary L. MCKNIGHT ,  Tony S. PAN ,  Clarence T. TEGREENE ,  Lowell L. WOOD, JR. ,  Victoria Y.H. WOOD

IPC: G06Q40/08

CPC classification number: G06Q40/08

Abstract: An embodiment of a risk-management method includes determining a risk that one or more insurers will deny coverage for treating one or more insured for one or more conditions, and calculating, in response to a determined risk, a fee for taking a respective action for each instance of at least one of the one or more insurers denying coverage for treating at least one of the one or more insured. Such an embodiment may aid in managing a risk of a liability that may be incurred if one or more insurers under one or more medical insurance policies deny coverage for treating one or more insured under the one or more polices. An example of such liability includes money owing to one or more physicians or other treatment providers that treated the one or more insured (or, from a treatment provider's perspective, the inability to collect such money owing).

Abstract translation: 一种风险管理方法的实施方案包括确定一个或多个保险公司将拒绝对一个或多个被保险人进行一个或多个条件的拒绝的风险，并且响应于所确定的风险计算采取相应行动的费用 所述一个或多个保险公司中的至少一个保险人的每个实例拒绝对所述一个或多个被保险人中的至少一个进行治疗的覆盖。 如果一个或多个医疗保险单下的一个或多个保险公司拒绝根据一个或多个政策对一个或多个被保险人进行治理，这样的实施例可能有助于管理可能发生的责任风险。 这种责任的一个例子包括由一名或多名医生或其他治疗提供者处理一名或多名受保人（或从治疗提供者的角度来看，无法收取此类欠款）的款项。