Medical big data based medical insurance actuarial system and medical big data based medical insurance actuarial method

Abstract

The invention provides a medical big data based medical insurance actuarial system and a medical big data based medical insurance actuarial method. The method includes: searching disease dates in medical data; acquiring historical weather information corresponding to the disease dates in the medical data from a weather information platform, and associating the medical data with the historical weather information; analyzing the medical data associated with the historical weather information to obtain patients susceptible to weather factors; classifying the patients susceptible to the weather factors according to preset age group dividing rules, and calculating incidences of diseases susceptible to the weather factors according to quantity of the patients, corresponding to each age group, susceptible to the weather factors, and calculating health insurance premiums of the patients, of each age group, susceptible to the weather factors according to the incidences of the diseases and preset medical insurance actuarial algorithms. By implementation of the medical big data based medical insurance actuarial system and the medical big data based medical insurance actuarial method, claim risks of medical insurances are reduced, and profitability of insurance companies is improved.

Description

technical field [0001] The invention relates to the field of big data analysis and mining, in particular to a medical insurance actuarial system and method based on medical big data. Background technique [0002] Actuarial calculation refers to the use of knowledge and principles of mathematics, statistics, finance, insurance and demography to solve projects that require accurate calculations in commercial insurance and various social security services, such as the determination of mortality, life tables, etc. The structure of insurance, the determination of premium rates, the withdrawal of reserves and the distribution of business surplus, etc., so as to ensure the stability and safety of insurance operations. [0003] In recent years, big data technology (BigData) has become a recent technology hotspot and has attracted extensive attention. Big data technology can accelerate the risk prediction of actuarial insurance: With the help of growing private and public user infor...

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a medical insurance actuarial system and method based on medical big data, which aims to solve the existing technical problems that do not consider medical big data in the medical insurance actuarial process

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