Block chain technology-based personal insurance decision support method and system

Abstract

The invention discloses a block chain technology-based personal insurance decision support method and system. The method comprises the following steps of: configuring each insurance mechanism and eachmedical mechanism as block chain nodes of a medical block chain network, uploading insurance information by the insurance mechanism through an intelligent contract, and uploading medical informationby the medical mechanisms through the intelligent contract; when the insurance mechanisms upload the insurance information, formulating compensation clauses according to history medical information ofthe insured in the medical block chain network; and when the medical mechanisms upload the medical information, inputting the medical information according to preset formats which are correspondinglymatched with the compensation clauses in the insurance information, and comparing the medical information with the compensation clauses to realize automatic claim settlement. According to the methodand system, insurance, treatment and claim settlement are arranged on a same medical block chain, and automatic matching is carried out through an anonymous identity and chain authentic right manner,so that the insurance efficiency of insurance companies is improved, the physical examination cost is saved, and personal privacies of the insured can be better protected.

Description

technical field [0001] The invention relates to the technical field of the insurance industry, in particular to a life insurance decision support method based on blockchain technology and a system for applying the method. Background technique [0002] Personal insurance is based on the life or body of a person as the subject of insurance. When an insured accident occurs to the life or body of the insured or the insurance period expires, the insurer pays the insurance money to the insured or the beneficiary in accordance with the provisions of the insurance contract. form of insurance. There are many types of traditional personal insurance products, but they can be divided into life insurance, personal accident insurance and health insurance according to the scope of protection. Life insurance can be divided into term life insurance, whole life insurance, endowment insurance, annuity insurance, etc., and health insurance can be divided into disease insurance, medical insuran...

AI Technical Summary

Problems solved by technology

[0004] On the one hand, although each hospital already has the medical information of the insured, including personal medical history, family medical history, etc.; but the insurance company cannot directly obtain the medical information, and can only arrange for the insured to undergo a health check before applying for insurance. It reduces the insurance efficiency and increases the operating cost of the insurance compan...

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