Health insurance product insuring method, device and equipment, and readable storage medium

Abstract

The invention discloses a health insurance product insuring method, device and equipment, and a readable storage medium. The method comprises the following steps that: receiving client insuring information collected and sent by a collection terminal, wherein the insuring information comprises insured product information, personal information and health information; determining an underwriting ruleof the insured product, and according to the underwriting rule, the personal information and the health information, determining whether a client owns an approval condition or not; and when a determination result shows that the client owns the approval condition, according to the insuring information, generating an insurance policy, and issuing the generated insurance policy to a client side heldby the client corresponding to the client insuring information collected by the collection terminal for insuring. By use of the scheme, through the information of the collection terminal, a management system and the client side, interactive insuring is carried out, the collection terminal collects the client insuring information and uploads the client insuring information to the management system, and the management system checks and ratifies the uploaded insuring information, generates the insurance policy and issues the generated insurance policy to the client side, a situation that repeated confirmation needs to be carried out on the scene since input handwriting is not clear is avoided, and insuring and underwriting efficiency is improved.

Description

technical field [0001] The present invention mainly relates to the technical field of financial risk control systems, and specifically relates to a health insurance product insurance method, device, equipment and readable storage medium. Background technique [0002] At present, when applying for health insurance products, the customer manually enters the paper insurance application form. When the handwriting is unclear or blurred, it is necessary to send the illegible or blurred document to the salesperson. The personnel went to the site to confirm with the customer to complete the write-back; in addition, there were similar problems in the process of underwriting and underwriting, which wasted a lot of time and energy of the sales staff and customers, resulting in low efficiency of insurance application, underwriting and underwriting, and poor customer experience. Difference. Contents of the invention [0003] The main purpose of the present invention is to provide a he...

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a health insurance product insurance method, device, equipment and readable storage medium, aiming to solve the problem in the prior art that the assessment of customer risk level cannot accurately reflect the customer's risk situation

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