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Special medicine insurance plan pricing method, device, equipment and readable storage medium

A special drug and planning technology, applied in the field of big data, can solve problems such as high price, easy to be influenced by individuals, and large human factors in pricing, so as to reduce operating costs and improve rationality and accuracy.

Pending Publication Date: 2019-04-12
深圳平安医疗健康科技服务有限公司
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  • Abstract
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  • Application Information

AI Technical Summary

Problems solved by technology

[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 Apatinib Mesylate Tablets (Aitan), Luke Tini tablets (Jiekewei), etc.; but 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 medicines into the scope of insurance reimbursement; while the current pricing of special medicine insurance plans is mainly carried out by experts for manual analysis and determination, and this pricing has a lot of human factors, Easily influenced by individuals, the accuracy of pricing needs to be improved

Method used

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  • Special medicine insurance plan pricing method, device, equipment and readable storage medium
  • Special medicine insurance plan pricing method, device, equipment and readable storage medium
  • Special medicine insurance plan pricing method, device, equipment and readable storage medium

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Embodiment Construction

[0049] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0050] The pricing method of the special drug insurance plan involved in the embodiment of the present invention is mainly applied to the pricing equipment of the special drug insurance plan. The pricing equipment of the special drug insurance plan can be a personal computer (personal computer, PC), a notebook computer, a server, etc. with data Devices that process functions.

[0051] refer to figure 1 , figure 1It is a schematic diagram of the hardware structure of the pricing equipment of the special drug insurance plan involved in the solution of the embodiment of the present invention. In the embodiment of the present invention, the pricing device of the special drug insurance plan may include a processor 1001 (such as a Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network in...

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Abstract

The invention provides a special medicine insurance plan pricing method, device and readable storage medium, and the method comprises the steps: obtaining the specification information of a corresponding special medicine to calculate the per capita cost of the special medicine when receiving a pricing request of the special medicine insurance plan; obtaining the predicted per capita compensation of the special medicine according to the per capita cost and the compensation scheme; obtaining the applicable disease morbidity and the special medicine utilization rate of the special medicine, and obtaining the annual risk premium of the special medicine according to the predicted annual compensation of people, the applicable disease morbidity and the special medicine utilization rate; and obtaining the per capita annual insurance premium of the special drug insurance plan according to the annual risk premium and a preset operation scheme. According to the invention, special medicine usage cost is combined; the method has the advantages that the gross insurance premium of the special medicine insurance plan is calculated according to the influence factors such as the disease morbidity, the medicine utilization rate and the operation cost, the special medicine insurance plan is priced in a big data analysis processing mode, the influence factors of the special medicine insurance planprice are considered more comprehensively, and the reasonability and accuracy of pricing are improved.

Description

technical field [0001] The present invention relates to the field of big data, in particular to a pricing method, device, equipment and readable storage medium for a special drug insurance plan. 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 Apatinib Mesylate Tablets (Aitan), 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 medicines into the scope of insurance reimbursement; while the current pricing of special medicine insurance plans is mainly carried out by experts for manual analysis and determination, and this pricing has a lot of human factors, Easily influenced by individuals, the accuracy of pricing needs to be i...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q30/02
CPCG06Q40/08G06Q30/0283
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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