Method, a device and a server for settling claims of commercial insurance

A technology for business and insurance companies, applied in instruments, data processing applications, finance, etc., can solve problems such as poor user experience, high pressure on medical expenses, and long review cycles, so as to reduce the pressure on medical expenses, improve user experience, The effect of improving the efficiency of claims settlement

Inactive Publication Date: 2019-01-25
汇保医联(天津)信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

With the increasing number of users purchasing commercial health insurance, when users need to settle claims during the medical treatment process, the existing claim settlement method adopts the method of paying after the event and adopts the offline manual review method. Need to pay all the expenses during the medical treatment process, resulting in high pressure on medical expenses and poor user experience

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  • Method, a device and a server for settling claims of commercial insurance
  • Method, a device and a server for settling claims of commercial insurance
  • Method, a device and a server for settling claims of commercial insurance

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Embodiment Construction

[0024] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are part of the embodiments of the present invention, not all of them. the embodiment. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0025] At present, when users purchase health insurance and then make claims, they need to provide a large number of paper bills. Commercial insurance companies rely on offline manual operations, resulting in low claim settlement efficiency and high cost. Commercial insurance companies and medical institutions have not formed information sharing and service coordination, which has le...

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Abstract

The invention provides a method, a device and a server for settling claims of commercial insurance, wherein, the method is applied to a commercial insurance service platform. The method comprises thefollowing steps of: receiving authorization information of a user through a user terminal; screening out the hospitalization information of the user from the hospitalization information of the patientuploaded by the medical institution in a preset time according to the authorization information, and sending the screening information to the commercial insurance company to judge whether the user needs to pay the compensation in advance, and if so, according to the hospitalization information, the expense list and the insurance liability information of the purchased insurance product, paying thecompensation in advance; receiving settlement information from medical institutions to enable commercial insurance companies to settle claims and obtain payment; receiving indemnity fee and feedbackto medical institution for settlement of discharge fee to complete indemnity. The invention enables the user to obtain the prepaid compensation money during hospitalization and settle the compensationexpense in real time after discharge, simplifies the compensation flow of the commercial insurance, improves the compensation efficiency and lightens the pressure on the user to seek medical treatment.

Description

technical field [0001] The invention relates to the technical field of commercial insurance, in particular to a claim settlement method, device and server of commercial insurance. Background technique [0002] With the increasingly younger incidence of cardiovascular and cerebrovascular diseases, diabetes, osteoporosis and other diseases, more and more people are aware of the importance of health, and their awareness of health care is also increasing. At the same time, their willingness to purchase commercial health insurance is also increasing. Constantly enhanced. With the increasing number of users purchasing commercial health insurance, when users need to settle claims during the process of seeking medical treatment, the existing claim settlement method adopts the method of paying after the event, and adopts the method of offline manual review, which has a long review period and users are not satisfied when they seek medical treatment. It is necessary to pay all the exp...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 朱光林
Owner 汇保医联(天津)信息科技有限公司
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