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Optimise Health Insurance Through Data Intelligence

Optimise Medical Insurance Pricing Using Demographic and Behaviour Data

Analyse medical insurance charges across age, gender, BMI, smoking habits, and region to improve premium pricing and risk segmentation for CareSure Health Insurance.

Healthcare Medium 60 min
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Why this work was commissioned

CareSure Health Insurance Pvt. Ltd. requires a detailed review of insurance charges to understand cost drivers and risk concentration. Management needs clear insight into how lifestyle behaviour, demographics, and region influence medical expenses in order to refine premium models and improve portfolio profitability.

Revolutionary Active Learning

  • You are expected to analyse insurance charges using demographic and behavioural indicators.
  • The analysis must identify high cost segments, explain variation in premiums, and support pricing, underwriting, and preventive health strategy decisions.

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Skills that will help before starting:

  • Excel data analysis
  • Understanding of insurance metrics
  • Ability to interpret health data

Skills you will learn and practice:

Insurance Charge Aggregation Behavioural Risk Analysis Regional and Gender Comparison Pricing Strategy Framing
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Why This Simulation Works

Underwriting Focused Metrics

  • All outputs align with pricing and risk management decisions.

Multi Factor Evaluation

  • Charges are analysed using behaviour, demographics, and geography.

Action Ready

  • Insights directly support premium optimisation and health programs.

Simulation Breakdown

1 Excel Review Medical Insurance Dataset
  • Understand demographic and charge fields
  • Validate smoking, BMI, and region data
2 Excel Analyse Overall Insurance Charges
  • Compute total and average charges
  • Identify minimum and maximum values
3 Excel Evaluate Behavioural Risk Impact
  • Compare smoker versus non smoker charges
  • Assess BMI related cost differences
4 Excel Assess Demographic and Regional Patterns
  • Analyse charges by gender and region
  • Identify high cost clusters
5 Excel Prepare Pricing and Risk Outputs
  • Draft insurance pricing memo
  • Create executive presentation for underwriting leadership

Ready to Start?

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