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A kind of insurance underwriting risk prediction method and device

A risk prediction and underwriting technology, applied in the financial field, can solve the problems of low accuracy of underwriting risk prediction, and achieve the effect of low cost

Active Publication Date: 2021-07-13
TAIKANG LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In order to solve the problem of low accuracy of underwriting risk prediction in the prior art, this application proposes a method and device for underwriting risk prediction in order to improve the accuracy of underwriting risk prediction

Method used

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  • A kind of insurance underwriting risk prediction method and device
  • A kind of insurance underwriting risk prediction method and device
  • A kind of insurance underwriting risk prediction method and device

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Embodiment Construction

[0041] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0042] The inventors of the present invention found that the risk prediction of insurance underwriting in the prior art is carried out manually, so there is a lot of subjectivity, and the prediction of risks is also different, so this application provides an insurance underwriting The risk prediction method adopts an automated method to obtain the first image of th...

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Abstract

The embodiment of the present application discloses a method for predicting insurance underwriting risk, the method includes: acquiring a first image of a preset area corresponding to the target insurance, and obtaining the first environment of the preset area according to the first image Element information, predicting the underwriting risk of the target insurance according to the first environmental element information. Acquire the first image of the preset area corresponding to the target insurance in an automated manner, obtain the first environmental element information of the preset area based on the first image that can reflect the objective situation, and make a decision based on the first environmental element information The underwriting risk of the target insurance is predicted, and the obtained underwriting risk prediction result is more accurate and less costly than the prior art based on artificial experience.

Description

technical field [0001] The present application relates to the financial field, and in particular to an insurance underwriting risk prediction method and device. Background technique [0002] Insurance underwriting refers to the process by which the insurer reviews the application for insurance, decides whether to accept the insurance and determines the insurance rate. For insurance companies, the prediction of underwriting risk is an important guarantee for the company's profitability. If the underwriting risk estimation is inaccurate, it may reduce the insurance company's income or even lose money. At present, the prediction of underwriting risk is basically based on manual prediction, relying on human experience, not only the cost is high, but also the prediction accuracy is low. Therefore, how to improve the accuracy of underwriting risk prediction and reduce the cost of underwriting risk prediction is a problem that needs to be solved at present. Contents of the inve...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/0635G06Q40/08
Inventor 李夫路
Owner TAIKANG LIFE INSURANCE CO LTD