Method, apparatus and device for online underwriting based on health insurance and storage medium

An underwriting and health technology, applied in the field of data processing, can solve the problems that health insurance cannot be underwritten on the online platform, and achieve the effects of reducing the underwriting waiting period, simplifying the underwriting process, and improving user experience

Inactive Publication Date: 2018-08-28
慧择保险经纪有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides an online underwriting method, device, device, and storage medium based on health insurance to solve the technical problem

Method used

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  • Method, apparatus and device for online underwriting based on health insurance and storage medium
  • Method, apparatus and device for online underwriting based on health insurance and storage medium
  • Method, apparatus and device for online underwriting based on health insurance and storage medium

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Embodiment 1

[0030] figure 1 It is a flowchart of an online underwriting method based on health insurance provided by Embodiment 1 of the present invention. An online underwriting method based on health insurance provided in an embodiment of the present invention can be executed by an online underwriting device based on health insurance provided in an embodiment of the present invention. The device can be implemented by means of software and / or hardware, and integrated Among the devices executing the method, the device executing the method in this embodiment may be any smart terminal or server that supports online services. refer to figure 1 , the method specifically includes the following steps:

[0031] S110. Obtain the underwriting data input by the user for purchasing health insurance.

[0032] Specifically, in the existing technology, when a user purchases health insurance on an online platform, an online standard health notification review is required. When the user’s health statu...

Embodiment 2

[0059] figure 2 It is a flowchart of an online underwriting method based on health insurance provided by Embodiment 2 of the present invention. The embodiments of the present invention are optimized on the basis of the foregoing embodiments. see figure 2 , the method of this embodiment specifically includes:

[0060] S210. Obtain the underwriting data input by the user for purchasing health insurance.

[0061] S220. Based on the underwriting data, generate a list of diseases required for current underwriting.

[0062] S230, according to the disease list and the pre-configured question list for the disease name, obtain the disease name selected by the user and the answer to the corresponding question list, and generate the user's graded health notification according to the pre-configured relevant answer rules.

[0063] S240, analyzing the underwriting data based on the graded health notification of the user, determining and outputting the current underwriting result.

[...

Embodiment 3

[0076] image 3 It is a flowchart of a method for generating a user's graded health notice in the method provided by Embodiment 3 of the present invention. In this embodiment, on the basis of the above-mentioned embodiments, according to the disease list and the list of questions preconfigured for the disease name, the name of the disease selected by the user and the answers to the list of corresponding questions are obtained, and according to the preconfigured relevant answer rules, generate The user's graded health informs a scheme provided for optimization of this step. refer to image 3 , this optimization scheme may specifically include:

[0077] S1. Return the list of diseases to the user, and acquire the name of the disease selected by the user.

[0078] Specifically, after obtaining the generated disease list, the system returns the disease list to the user, and the user selects the corresponding disease name from the disease names contained in the disease list acco...

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PUM

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Abstract

The embodiment of the invention discloses a method, an apparatus and a device for online underwriting based on health insurance and a storage medium. The method comprises the steps of: obtaining inputunderwriting data of users for health insurance purchase demand; based on the underwriting data, generating a disease list required by a current underwriting; obtaining pre-configured disease names selected by the users and answers corresponding question lists according to the disease list and the disease names, and according to a preset related answer rule, generating the users' classification health notification; and based on the users' classification health notification, performing analysis of the underwriting data, and determining a current underwriting result for output. The technical scheme of the embodiment, the underwriting flow is simplified, the underwriting waiting period of uses with non-standard bodies is reduced, the users can rapidly obtain the underwriting conclusions, thewastage rate of the uses with non-standard bodies is reduced, and the user experience is improved.

Description

technical field [0001] The embodiments of the present invention relate to the field of data processing, and in particular to an online underwriting method, device, equipment and storage medium based on health insurance. Background technique [0002] With the rapid development of Internet technology, regular businesses such as insurance sales, after-sales, and claim settlement can be operated more conveniently online, and even complex long-term insurance types, such as critical illness and life insurance, can be accessed through personal computers (Personal Computer, PC) or mobile terminals to complete the process of insurance application and claim verification. However, for a long time, the online insurance application of non-standard users who have health problems and cannot be notified through standard health has been rejected by Internet insurance. [0003] At present, many insurance companies and online platforms in the market usually use the following method for underw...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 何雪冬李慧珍欧阳凯
Owner 慧择保险经纪有限公司
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