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Insurance client health condition analysis method and server

A technology of health status and analysis methods, applied in the fields of instruments, special data processing applications, electrical digital data processing, etc., can solve the problems of low accuracy, large manpower and material resources, etc.

Active Publication Date: 2017-09-08
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This manual risk assessment method has high requirements on the professionalism of the analyst's risk analysis, and the accuracy of this method is usually very low, requiring a lot of manpower and material resources

Method used

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  • Insurance client health condition analysis method and server
  • Insurance client health condition analysis method and server
  • Insurance client health condition analysis method and server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0052] refer to figure 1 Shown is the hardware environment diagram of the first embodiment of the system for analyzing the health status of insurance applicants in the present invention.

[0053]The health status analysis system 2 of insurance applicants described in this embodiment can be installed and run on a server 1 . The server 1 can communicate with at least one terminal device 3 through a communication module (not shown), and the terminal device 3 can be a personal computer, a smart phone, a tablet computer and the like. The terminal device 3 includes an input device 30 and a display device 31 .

[0054] The server 1 may include a processor and a storage device (not shown). The processor is the computing core (Core Unit) and control core (Control Unit) of the server 1, and is used for interpreting computer instructions and processing data in computer software. The storage device may be one or more non-volatile storage units, such as ROM, EPROM, or Flash Memory (flas...

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PUM

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Abstract

The invention provides an insurance client health condition analysis method. The method comprises the steps of obtaining a plurality of preset type data of insurance clients, and generating a health risk level analysis model based on the preset type data of insurance clients and according to a preset model generation rule; upon receiving a health risk level analysis instruction for a to-be-insured client, receiving the insurance data of the client; acquiring preset type data from the insurance data of the client, adopting the preset type data as health risk data and determining risk factor data corresponding to each preset type data; substituting the risk factor data corresponding to each preset type data into the health risk level analysis model and analyzing a health risk level corresponding to the client. The invention also provides a server suitable for the above method. Based on the invention, the health risk level of an insurance client can be quickly evaluated. Therefore, a great amount of manpower and material resources, consumed during the traditional manual evaluation process, can be avoided.

Description

technical field [0001] The invention relates to the technical field of data analysis and evaluation, in particular to a method and server for analyzing the health status of insurance customers. Background technique [0002] At present, for a customer's life insurance application, risk assessors usually perform manual risk analysis on the customer's current insurance data according to preset evaluation rules. For example, in the preset evaluation rules, you can set the risk evaluation rules for the amount of claims. If a claimant has multiple claims events in which the amount of claims exceeds the threshold within the preset time, the analyst will list the claimant as a high Claims Risk Person. This manual risk assessment method has high requirements on the professionalism of the analyst's risk analysis, and the accuracy of this method is usually very low, requiring a lot of manpower and material resources. Contents of the invention [0003] In view of the above, it is ne...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06F19/00
CPCG06Q40/08
Inventor 王春亮蔡宁项同德钱慧敏
Owner PING AN TECH (SHENZHEN) CO LTD
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