Method and server for obtaining insurance claim settlement quota

An acquisition method and server technology, applied in the field of insurance claims, can solve the problems of poor health insurance risk control, calculation of claim amount, high claim rate, etc., to achieve the effect of reducing the risk of claim settlement

Inactive Publication Date: 2017-03-22
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] When most insurance companies settle claims, the amount of claims is roughly the same for different health conditions of different insured users; The amount of claims; therefore, the risk control of heal

Method used

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  • Method and server for obtaining insurance claim settlement quota
  • Method and server for obtaining insurance claim settlement quota
  • Method and server for obtaining insurance claim settlement quota

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Embodiment Construction

[0048] The technical solutions of the present invention will be further described below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0049] Those skilled in the art can understand that the main ideas and concepts described in the method for obtaining insurance claim amount and the server of the present invention can not only be used in the field of business corresponding to the specific insurance type of health insurance, but also of course can be applied in property insurance. Within the scope of business corresponding to other insurance types such as insurance, in the specific implementation of the method for obtaining insurance claim amount and the server of the present invention, the specific insurance types that are applied will not be listed one by one.

[0050] Please refer to figure 1 , f...

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Abstract

The invention discloses a method and server for obtaining an insurance claim settlement quota. The latest medical data corresponding to the last time an insurance user sees the doctor are obtained; historical medical data corresponding to a preset time length in which the insurance user sees the doctor are obtained; analyzing the obtained historical medical data, and determining a user claim settlement rule corresponding to the insurance user; and on the basis of the obtained latest medical data, according to the determined user claim settlement rule, a claim settlement quota corresponding to the insurance user is calculated, so that corresponding claim settlement is performed on the insurance user according to the claim settlement quota obtained by calculation. The method and server for obtaining the insurance claim settlement quota has the beneficial effect that the claim settlement amount of the insurance user is obtained according to the personal specific circumstance of the insurance user, the claim settlement risks are lowered, and the claim settlement amount is more targeted.

Description

technical field [0001] The invention relates to the technical field of insurance claims, in particular to a method and server for acquiring an insurance claim amount. Background technique [0002] With the continuous improvement of people's living standards and the continuous improvement of ideology, more and more people have the awareness of insurance and actively choose to purchase corresponding types of insurance, such as health insurance and property insurance. For the insurance type of health insurance, at present, more than 100 insurance companies in China have launched the business of health insurance. However, when calculating the claim amount of health insurance, there are the following problems: [0003] When most insurance companies settle claims, the amount of claims is roughly the same for different health conditions of different insured users; Therefore, the risk control of health insurance is poor, which also leads to adverse consequences such as high claim ...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
Inventor 陈其林
Owner PING AN TECH (SHENZHEN) CO LTD
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