A life insurance decision support method and system based on block chain technology

Abstract

The invention discloses a life insurance decision support method and system based on block chain technology. By configuring each insurance institution and each medical institution as a block chain node of a medical block chain network, the insurance institution uploads insurance through smart contracts Information, medical institutions upload medical information through smart contracts; when insurance institutions upload insurance information, they formulate payment terms based on the historical medical information of the insured in the medical blockchain network; when medical institutions upload medical information, follow the preset format. Enter medical information, the preset format corresponds to the compensation terms in the insurance information, and compare the medical information with the compensation terms to realize automatic claims; thus setting up insurance, medical treatment, and claims on the same medical blockchain, and Automatic matching through anonymous identities and on-chain rights confirmation not only improves the insurance efficiency for insurance companies, saves the cost of medical examinations, but also better protects the personal privacy of the insured.

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 company; on the other hand, the use of the insured to take the initiative to perform the obligation to inform the "health status" does not guarantee that the insured can truthfully inform, or even conceal important illnesses, giving The insurance company brings great business risks; on the other hand, for the insured, handing over their personal health status to the insurance company is not good for the protection of personal privacy.

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