Health insurance underwriting method, device, apparatus and computer-readable storage medium

Abstract

The invention discloses an underwriting method of health insurance, a device, an apparatus and a computer readable storage medium, The method includes: when receiving the disease information input bythe insured, calling the disease questionnaire corresponding to the disease information to display, receiving the question answers uploaded by the insured based on the disease questionnaire, and generating a first conclusion according to the question answers; Reading the identity information of the insured and obtaining the historical insurance information and the historical diagnostic informationof the insured according to the identity information; Calling the corresponding relation between the preset disease classification and the underwriting conclusion, and comparing the historical insurance information and the historical diagnosis information with the corresponding relation to generate the second conclusion; According to the first conclusion and the second conclusion, the target underwriting conclusion of the health insurance corresponding to the insured is generated. Based on the data analysis of the big data technology, the scheme generates the target underwriting conclusion bycombining the first conclusion and the second conclusion, which simplifies the underwriting process and improves the underwriting efficiency.

Description

technical field [0001] The present invention mainly relates to the technical field of big data, and in particular, relates to a health insurance underwriting method, device, equipment, and computer-readable storage medium. Background technique [0002] With the enhancement of people's health awareness, more and more customers purchase health insurance; in the process of purchasing health insurance, underwriting operations are required. At present, underwriting mainly relies on health notices for risk screening. If a customer is at risk for a certain disease in the health notice, the customer is required to describe the disease in detail and supplement the medical record or medical report; the underwriting process is cumbersome, and the underwriting It takes a long time; at the same time, the underwriting operation is completed by the professional underwriting personnel of the insurance company. If the underwriting personnel are not professional enough, the underwriting resul...

AI Technical Summary

Problems solved by technology

[0003] The main purpose of the present invention is to provide a health insurance underwriting method, device, equipment and computer-readable storage medium, aiming to solve the cumbersome underwriting process of health insurance in the prior art, the underwriting results are easy to be inaccurate, and the underwriting The problem of low guarantee efficiency

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