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Insurance pricing method, device, apparatus and readable storage medium based on big data

A big data and pricing technology, applied in the field of big data, can solve the problems of large human factors, the accuracy of pricing needs to be improved, and the pricing results are easily affected by individuals, so as to reduce operating costs and improve rationality and accuracy.

Pending Publication Date: 2019-03-22
深圳平安医疗健康科技服务有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At present, when pricing these special drug insurance plans, experts mainly conduct manual analysis and pricing, but this pricing method has a lot of human factors, and the pricing results are easily affected by individuals, and the accuracy of pricing needs to be improved

Method used

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  • Insurance pricing method, device, apparatus and readable storage medium based on big data
  • Insurance pricing method, device, apparatus and readable storage medium based on big data
  • Insurance pricing method, device, apparatus and readable storage medium based on big data

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Embodiment Construction

[0023] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0024] The insurance pricing method based on big data involved in the embodiment of the present invention is mainly applied to insurance pricing equipment based on big data, and the insurance pricing equipment based on big data can be a personal computer (personal computer, PC), a notebook computer, a server, etc. with data Devices that process functions.

[0025] refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the big data-based insurance pricing equipment involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the insurance pricing device based on big data may include a processor 1001 (such as a central processing unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Whe...

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Abstract

The invention provides an insurance pricing method based on big data, DEVICE, APPARATUS, AND READABLE STORAGE MEDIUM, by referring to the specific situation of the reference city similar to the targetcity, Combined use of special drugs, applicable morbidity, the gross premium of special medicine insurance plan is calculated by multiple influencing factors such as operation cost, and the credibility of historical data is tested by theoretical calculation in the pricing process, thus pricing the special drug insurance plan in the way of big data analysis and processing, As a result, the pricingresults can be more in line with the real operating conditions of insurance institutions and the market demand of special drugs, and the rationality and accuracy of pricing can be improved, which isalso conducive to reducing the operating costs of insurance plans.

Description

technical field [0001] The present invention relates to the field of big data, in particular to a method, device, equipment and readable storage medium for insurance pricing based on big data. Background technique [0002] With the development of medical technology, special drugs (drugs with high scientific content and high technical difficulty for special treatment for a certain disease) are gradually increasing on the market, such as bevacizumab injection (Avastin), luke However, the price of special drugs on the market is relatively expensive. In order to reduce the burden on patients, some insurance institutions have proposed to include the medical expenses of special drugs into the scope of insurance reimbursement. At present, when pricing these special drug insurance plans, experts mainly conduct manual analysis and pricing, but this pricing method has a large number of human factors, and the pricing results are easily affected by individuals, and the accuracy of pric...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q40/08
CPCG06Q30/0206G06Q40/08
Inventor 李云峰
Owner 深圳平安医疗健康科技服务有限公司
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