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Medical insurance real-time premium calculation method

A technology of medical insurance and calculation method, applied in the field of automation to achieve the effect of facilitating physical health

Inactive Publication Date: 2015-07-01
SHENYANG INST OF AUTOMATION - CHINESE ACAD OF SCI
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Problems solved by technology

Therefore, the traditional medical insurance charging method is unfair. Medical insurance premiums should be calculated with full consideration of the user's surrounding conditions and their own health conditions, so as to be more fair and reasonable

Method used

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Embodiment Construction

[0038] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments.

[0039] see figure 1 , the technical solution in the medical insurance real-time premium calculation method includes:

[0040] Step S11: Obtain the premium cost data of the user's insurance application, the premium calculation unit and the billing time period.

[0041] Step S12: Setting the initial premium. According to premium cost data, insurance validity period, and premium calculation strategy.

[0042] Step S13: In the billing period, collect data from the sensor module, calculate daily premium changes according to the premium calculation unit, and provide user health plan and user periodic premium data.

[0043] see figure 2 , the specific implementation process of the medical insurance real-time premium calculation method is as follows:

[0044] Step S21: The user submits an insurance application and withdraws the premium in the me...

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Abstract

The invention relates to the field of insurance, and particularly relates to a real-time premium calculation method. According to the technical scheme adopted by the invention, the method comprises the following steps: step S11, acquiring premium cost data, a premium calculation unit and a billing time cycle of a user insurance application; step S12, setting initial premium; and S13, making statistical analysis of sensor module data in the billing cycle, checking the daily premium change according to the premium calculation unit, and providing a user health plan and user periodic premium data. According to the invention, legitimate rights and interests of insured persons are taken into full account, the medical insurance participation mechanism is made more in line with the wishes of the masses, parameters of the surrounding environment are provided for insured persons, and insured persons can be practically and effectively reminded of the surrounding environment.

Description

technical field [0001] The invention relates to automation technology, in particular to a real-time premium calculation method. Background technique [0002] With the improvement of people's living standards, the insurance industry has risen in response to the needs of the times. At present, various types of insurance provide protection for people's lives. People also have a new understanding of insurance. As the transaction entity between the insurer and the insurance company, insurance premium has become the core part of the insurance industry in terms of calculation and evaluation. [0003] At present, the insurance premium is simply billed according to the insurance time (year). The risk of insurance is directly related to the state of the user. During the insurance period, the risk of accidents often depends on specific risk factors. Therefore, according to specific risk factors, the calculation of premiums has become a common calculation method in the industry. But...

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Application Information

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IPC IPC(8): G06Q40/08G06Q50/22
Inventor 杨帆张华良王挺王侃侃邢涛
Owner SHENYANG INST OF AUTOMATION - CHINESE ACAD OF SCI
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