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Information processing method and device for insurance settlement, medium and electronic equipment

An information processing method and technology for an information processing device, applied in the field of information processing, can solve the problems of cumbersome claim settlement process, poor claim settlement experience for insurance users, and low claim settlement efficiency, and achieve the effect of simplifying the claim settlement process, improving the experience, and simplifying the operation.

Inactive Publication Date: 2018-05-18
TAIKANG LIFE INSURANCE CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The purpose of the embodiments of the present invention is to provide an information processing method, device, medium, and electronic device for insurance claims, so as to overcome the problems of cumbersome claim settlement process, low claim settlement efficiency, and poor claim settlement experience of insurance users at least to a certain extent.

Method used

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  • Information processing method and device for insurance settlement, medium and electronic equipment
  • Information processing method and device for insurance settlement, medium and electronic equipment
  • Information processing method and device for insurance settlement, medium and electronic equipment

Examples

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Embodiment 1

[0060] In one embodiment of the present invention, the expense information includes the medical expenses settled by the insurance user that the medical institution inquires according to the user information. On this basis, as figure 2 As shown, the processing procedure of step S130 includes:

[0061] Step S210, acquiring policy information of the insurance user.

[0062] In one embodiment of the present invention, the policy information of the insurance user includes the type of the policy, the clause information included in the policy, and the like.

[0063] Step S220, calculating the compensation amount corresponding to the settled medical expenses according to the policy information and the settled medical expenses.

[0064] In one embodiment of the present invention, when calculating the amount of compensation, it can be determined according to the information of the settled medical expenses whether the disease type of the insurance user belongs to the protection scope ...

Embodiment 2

[0070] In one embodiment of the present invention, the expense information includes unsettled medical expenses of the insurance user that the medical institution inquires based on the user information. On this basis, as image 3 As shown, the processing procedure of step S130 includes:

[0071] Step S310, obtaining the policy information of the insurance user;

[0072] In one embodiment of the present invention, the policy information of the insurance user includes the type of the policy, the clause information included in the policy, and the like.

[0073] Step S320, calculating the compensation amount corresponding to the unsettled medical expenses according to the policy information and the unsettled medical expenses;

[0074] In one embodiment of the present invention, when calculating the amount of compensation, it can be determined according to the information of the unsettled medical expenses whether the disease type of the insurance user belongs to the protection sco...

Embodiment 3

[0079]In one embodiment of the present invention, the expense information includes the expense information that the insurance claimant needs to pay determined by the medical institution according to the user information. On this basis, the processing in step S130 includes: performing compensation processing to the medical institution according to the expense information that needs to be compensated.

[0080] The technical solution of this embodiment enables the medical institution to carry out the process of determining the amount of compensation, and the insurance claimant only needs to process the compensation according to the fee information that needs to be paid back from the medical institution, which reduces the labor cost of the insurance claimant. It can simplify the operation of insurance users, improve the timeliness of claims settlement and the experience of insurance users.

[0081] In one embodiment of the present invention, for this embodiment 3, before performin...

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Abstract

The embodiment of the invention provides an information processing method and device for insurance settlement, a medium and electronic equipment. The information processing method for the insurance settlement comprises the steps that user information of an insurance user is sent to a medical mechanism; cost information which is related to the insurance user and determined by the medical mechanismaccording to the user information is acquired; based on the cost information, insurance settlement is conducted. According to the technical scheme, the insurance settlement process is simplified, themethod helps to improve the experience of the insurance user, the labor cost of insurance settlement personnel for processing the insurance settlement work can be lowered at the same time, and the insurance settlement efficiency can also be improved.

Description

technical field [0001] The present invention relates to the technical field of information processing, in particular, to an information processing method, device, medium and electronic equipment for insurance claims. Background technique [0002] At present, when insurance users apply for claims, they usually need to provide proof documents such as personal identification certificates and medical expense invoices. After receiving these proof documents, insurance companies need to extract them manually or through technologies such as OCR (Optical Character Recognition, Optical Character Recognition). Relevant information, and need to check supporting documents, and then complete the claim calculation. Moreover, the above claim settlement process needs to be repeated once after each medical expense occurs. [0003] It can be seen that the current claim settlement process is relatively cumbersome, resulting in low claim settlement efficiency, affecting the experience of insura...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 郝晓波
Owner TAIKANG LIFE INSURANCE CO LTD
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