Health risk prediction method, device and equipment for insured users, and storage medium

Abstract

The invention discloses a health risk prediction method, device and equipment for insured users, and a storage medium. The method includes the following steps: obtaining personal health data information and insurance information of a to-be-predicted insured user; carrying out extraction on the personal health data information according to a preset rule to obtain target health feature data; determining a corresponding target health risk prediction model from pre-trained health risk prediction models according to the insurance information; and sending the target health feature data to the targethealth risk prediction model to obtain the health risk probability corresponding to the to-be-predicted insured user. As the corresponding target health risk prediction model is determined accordingto the pre-trained health risk prediction models and the health risk probability is calculated through the model, the health risk level corresponding to the to-be-predicted insured user can be determined accurately according to the insurance information. The workload of the staff is reduced while the effect of health risk prediction is ensured.

Description

technical field [0001] The present invention relates to the technical field of data analysis, and in particular to a health risk prediction method, device, equipment and storage medium for insured users. Background technique [0002] In the insurance industry, especially health insurance (an insurance that takes the body of the insured as the subject of insurance and enables the insured to obtain compensation for expenses or losses caused by diseases or accidents) business, insurance companies often need Predict the health risks of insured users, so as to judge the probability or amount of possible claims in the future. [0003] At present, insurance companies usually rely on the personal experience, medical knowledge, and actuarial / statistical knowledge of underwriting and quotation personnel to analyze and judge the past claims information of insured users, and then predict the health risks of the insured users to be predicted. In the prediction method, the personal subje...

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a health risk prediction method, device, equipment and storage medium for insured users, aiming to solve the problem of low accuracy and poor effect in the prior art when predicting the health risks of insured users technical problem

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