Best Covered (博斯腾科技) uses big data to build a dynamic pricing and risk control engine based on multi-factor and deep learning, which is applied in the field of personal insurance. Through the multi-dimensional risk interpretation of the original data, the risk score is generated, and the actuarial can provide more accurate positioning of risk factors and effective risk intervention methods, thereby designing insurance products and health management services for the elderly, especially the dementia population. Personal risk scores are adjusted in real time based on user behaviors and habits to help users identify risks, and at the same time effectively carry out risk control and intervention treatment, which not only delays the triggering of claims, but also greatly reduces the loss rate and renewal rate.