Method and device for evaluating claim expense reserve

Abstract

The embodiment of the invention discloses a method for evaluating the claim expense reserve. The method is used for solving the problems in the prior art that the evaluation result of the claim expense reserve is easily influenced by the professional level and the application experience of the evaluation personnel and the evaluation efficiency is low. The method provided in the embodiment of the invention comprises the following steps of acquiring a to-be-evaluated case; acquiring the loss-occurred information of the to-be-evaluated case; determining the claim settlement insurance type of an insurance policy corresponding to the to-be-evaluated case according to the loss-occurred information of the to-be-evaluated case; judging whether the claim settlement insurance type of the insurance policy belongs to a medical type insurance type or not; if the claim settlement insurance type of the insurance policy belongs to a medical type insurance type, calculating the claim expense reserve ofthe to-be-evaluated case according to the average claim amount for each piece and the number of the insurance type of the insurance policy; if the claim settlement insurance type of the insurance policy does not belong to any medical type insurance type, calculating the coverage amount of the insurance policy of the claim settlement insurance type, and calculating the claim expense reserve of theto-be-evaluated case according to the calculated coverage amount and a preset payment proportion of the claim settlement insurance type. The embodiment of the invention further provides an evaluationdevice for evaluating the claim expense reserve.

Description

technical field [0001] The invention relates to the field of financial services, in particular to an evaluation method and device for claim settlement funds. Background technique [0002] Claims settlement is an important expense of an insurance company, and the claim settlement fund is a certain amount of funds that the insurance company prepares in advance corresponding to the insurance liability it undertakes in order to ensure that it pays the expected claim settlement payment as promised. Ensure that insurance companies have the solvency corresponding to the scale of their insurance business. [0003] At present, insurance companies generally use professional assessors to assess claims reserves. This makes the accuracy of claim reserve assessment often closely related to the professional level and experience of the evaluators. Different assessors may obtain different assessment results of claim reserve for the same case, which affects the accuracy of claim reserve asse...

AI Technical Summary

Problems solved by technology

This makes the accuracy of claim reserve assessment often closely related to the professional level and experience of the evaluators. Different assessors may obtain different assessment results of claim reserve for the same case, which affects the accuracy of claim reserve assessment. ; In addition, with the business development of insurance companies, more and more cases require the assessment of claim reserves, and it is often difficult to improve the efficiency of assessment under the premise of ensuring the accuracy of claim reserve assessment through the evaluation of evaluators. In the face of a large number of cases to be assessed, the cost of claim reserve assessment is greatly increased

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