Method and apparatus for evaluating risk of human injury claim settlement

A technology of risk assessment and risk, applied in data processing applications, instruments, finance, etc., can solve problems such as unfavorable development of the insurance industry, leakage of user information, huge business losses, etc., to prevent false traffic accidents, reduce load, and guarantee safe effect

Inactive Publication Date: 2018-12-21
医倍思特(北京)医疗信息技术有限公司
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AI Technical Summary

Problems solved by technology

The business losses of insurance companies due to these bad events are also quite huge, which is not conducive to the development of my country's insurance industry. At the same time, user information will be leaked, intercepted or stolen in the process of insurance claims. It is also imminent to protect user information security.

Method used

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  • Method and apparatus for evaluating risk of human injury claim settlement
  • Method and apparatus for evaluating risk of human injury claim settlement
  • Method and apparatus for evaluating risk of human injury claim settlement

Examples

Experimental program
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Embodiment Construction

[0042] Such as figure 1 and 3 As shown, a risk assessment method for personal injury claims, the method includes the following steps:

[0043] S1: According to the preset personal injury claim data sample, the personal injury claim data sample includes: report data, survey data, damage determination data, injured data, medical data, disability identification data, and obtain personal injury claim data;

[0044] S2: Upload the personal injury claim data to the cloud processing platform, and after the data is decrypted, the personal injury claim data is divided into three categories: car damage data, personal injury data and medical data through the data screening module;

[0045]S3: Preliminarily compare the car damage data with the personal injury data, and judge the authenticity of the case and the rationality of the injury through the accident judgment unit combined with the accident sample database; Compare similar accidents in the sample database, and preliminarily deter...

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PUM

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Abstract

The invention discloses a human injury claim risk assessment method and a device. S1, human injury claim data are obtained; 2, classify that data of human injury claim through a data screening module;S3: Preliminary comparison between vehicle injury data and human injury data; S4: Preliminary comparison between human injury data and medical data; S5: performing integration and comparison according to the judgment information of S3 and S4, and performing judgment through the analysis module, and performing S6 if the judgment is passed, and S8 if the judgment is not passed; S6: analyzing the personnel credit of the personal injury claim data according to the preset claimant information data sample; 7, judging that analysis result of S6 by a level judging unit; S8: Risk determination information obtained by synthesizing human injury claim risk assessment methods. In a word, the method and the device of the invention have the advantages of high efficiency, accurate assessment and good safety of human injury claim risk assessment.

Description

technical field [0001] The invention relates to the technical field of insurance claims, in particular to a risk assessment method and device for personal injury claims. Background technique [0002] Now that there are more and more vehicles, there are more and more traffic accidents. Vehicle insurance now basically covers most dangerous automobile accidents. The Ministry of Communications has forced car buyers to purchase motor vehicle insurance. Personal insurance is also a huge purchase A type of risk. [0003] With the increasing demand for insurance, there have also been many criminals using insurance claims to create fake traffic accidents to defraud insurance compensation; at the same time, in many traffic accidents, there are a large number of unreasonable treatment plans and excessive treatment in the course of treatment. , unreasonable drug use, unreasonable disability identification and unreasonable compensation requirements, etc., are all due to the high compens...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/0635G06Q40/08
Inventor 冯韩
Owner 医倍思特(北京)医疗信息技术有限公司
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