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Insurance policy underwriting processing method and device, computer equipment and storage medium

A processing method and policy technology, applied in the field of insurance, can solve the problems of reducing the transaction rate of insurance products, unable to complete the transaction of insurance products, etc., and achieve the effect of increasing the transaction rate

Pending Publication Date: 2018-11-30
PING AN HEALTH INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When the underwriting result is refusal of insurance, it refuses to sign an insurance policy with the customer, so that the transaction of insurance products cannot be completed, which reduces the transaction rate of insurance products

Method used

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  • Insurance policy underwriting processing method and device, computer equipment and storage medium
  • Insurance policy underwriting processing method and device, computer equipment and storage medium
  • Insurance policy underwriting processing method and device, computer equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0041] see figure 1 , in a kind of policy underwriting processing method of the present embodiment, comprise the following steps:

[0042] Step 01, determine the target insurance policy and the underwriting factor corresponding to the target customer.

[0043] In order to ensure the rationality of signing an insurance policy with a customer, an insurance company generally needs to underwrite the policy, wherein the target policy is the policy signed with the target customer.

[0044] In this embodiment, the underwriting factor corresponds to the basic information of the customer, and the underwriting factor has a high correlation with the risks borne by the policy. Due to the different types of insurance policies when underwriting, the underwriting factors are also different. Wherein, the type of insurance may at least include but not limited to: any one of health insurance, life insurance, accident insurance, and property insurance.

[0045] It should be noted that the typ...

Embodiment 2

[0096] see Figure 4 , the policy underwriting processing method of this embodiment is based on Embodiment 1, and includes the following steps:

[0097] Step 01, determine the target insurance policy and the underwriting factor corresponding to the target customer.

[0098] In this embodiment, the underwriting factor corresponds to the basic information of the customer, and the underwriting factor has a high correlation with the risks borne by the policy. Due to the different types of insurance policies when underwriting, the underwriting factors are also different. Wherein, the type of insurance may at least include but not limited to: any one of health insurance, life insurance, accident insurance, and property insurance.

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Abstract

The invention provides an insurance policy underwriting processing method and device, computer equipment and a storage medium. A target insurance policy is underwritten; and when an underwriting result is declinature, a guarantee range and a pricing principle of the target insurance policy can be adjusted according to the target insurance policy and underwriting factors, so that the adjusted target insurance policy can be underwritten to be qualified. According to the insurance policy underwriting processing method and device, customer information is concerned and insurance policy informationof an insurance product is considered; and by adjusting the insurance policy, the transaction of the insurance product is completed, so that the transaction rate of the insurance product is improved.

Description

technical field [0001] The invention relates to the technical field of insurance, in particular to an insurance policy underwriting processing method, device, computer equipment and storage medium. Background technique [0002] At present, insurance companies generally formulate insurance policies for insurance products first. When a customer has the willingness to insure the insurance product, the insurance company has professional underwriting personnel to conduct risk assessment on the policy. Risk assessment is conducted on the policy information and customer information of insurance products to determine whether the customer is eligible for the policy. Generally, the underwriting results obtained by the underwriting personnel include two types: qualified and rejected. When the underwriting result is refusal of insurance, it refuses to sign an insurance policy with the customer, so that the transaction of insurance products cannot be completed, which reduces the transact...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 孔喆彬夏如雪夏天冯晓俊
Owner PING AN HEALTH INSURANCE CO LTD
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