Health insurance rate determination method and device

A technology for determining methods and rates, applied in the computer field, can solve problems such as insufficient timeliness and inaccurate adjustment of health insurance rates, and achieve timely and accurate adjustments, reduce the probability of health insurance payouts, and increase the number of rides

Inactive Publication Date: 2018-12-07
TAIKANG LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the present disclosure is to provide a health insurance rate determination method and a health insurance rate determination device, which are used to overcome the inaccurate and timely adjustment of the health insurance rate caused by the limitations and defects of related technologies at least to a certain extent The problem

Method used

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  • Health insurance rate determination method and device
  • Health insurance rate determination method and device
  • Health insurance rate determination method and device

Examples

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Embodiment Construction

[0049] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details being omitted, or other methods, components, devices, steps, etc. may be adopted. In other instances, well-known technical solution...

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Abstract

The disclosure provides a health insurance rate determination method and device. The health insurance rate determination method comprises: obtaining shared bike riding data of a user, updating a health evaluation value of the user according to the riding data, determining a health insurance rate correction parameter according to the health evaluation value, and determining the health insurance rate of the user according to the correction parameter. Through the health insurance rate determination method provided by the t disclosure, the personalized health insurance rate can be determined accurately for the user.

Description

technical field [0001] The present disclosure relates to the field of computer technology, in particular, to a method and device for determining health insurance premium rates. Background technique [0002] With the increase in the amount of health insurance coverage, determining health insurance premium rates for different users has become a tedious and meticulous task. Different from other types of insurance, the health conditions of different insured users have a greater impact on the accident rate of health insurance. Therefore, when determining health insurance rates, it is necessary to collect as much user health data as possible to become an important business link of insurance companies. [0003] Under normal circumstances, insurance companies will spend a lot of labor costs to collect data such as physical examination, health questionnaires, and health assessments of users. In the process of collecting these data, it will inevitably take up the user's time, and put ...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G16H50/30
CPCG06Q40/08G16H50/30
Inventor 王福钢
Owner TAIKANG LIFE INSURANCE CO LTD
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