Method and device for processing claim settlement

Abstract

The embodiment of the invention discloses a method for processing claim settlement, which is used for solving problems that the existing claim settlement risk control cannot be elaborated to every insurance policy and every insured and that the claim settlement risk control ability is insufficient. The method disclosed by the embodiment of the invention comprises the steps of obtaining a target claim settlement request; obtaining credit investigation data of the insured of an insurance policy corresponding to the target claim settlement request; obtaining the claim payment amount of the insurance policy corresponding to the target claim settlement request; selecting a target risk control rule from preset risk control rules according to the credit investigation data and the claim payment amount; and processing the target claim settlement request according to the target risk control rule to obtain a claim settlement processing result. The embodiment of the invention further provides a device for processing the claim settlement.

Description

technical field [0001] The present invention relates to the technical field of risk control, in particular to a claim processing method and device. Background technique [0002] With the improvement of social living standards, in order to reduce the huge risks of possible accidents, more and more people choose to buy insurance. When an insured accident occurs to the subject matter of the policy, the insured submits a policy claim settlement request to the insurance company, requiring the insurance company to make compensation according to the agreement on the policy. Therefore, in order to ensure the normal operation of the insurance company, the risk control of claim settlement is particularly important for the insurance company. [0003] However, at present, the risk control of claims is generally managed and controlled by policy type. With the increase of insurance volume, the number of insureds and policies is increasing. In this case, management by policy type can only...

AI Technical Summary

Problems solved by technology

[0003] However, at present, the risk control of claims is generally managed and controlled by policy type. With the increase of insurance volume, the number of insureds and policies is increasing. In this case, management by policy type can only be roughly achieved. Risk control, but not detailed to each policy and insured, resulting in insufficient risk control capabilities for claims

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