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

A big data and pricing technology, applied in the field of data analysis, can solve the problems of high price, large human factors, and reduce the accuracy of pricing of special drug insurance plans, so as to reduce operating costs and improve rationality and accuracy.

Pending Publication Date: 2019-04-16
深圳平安医疗健康科技服务有限公司
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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 Ibrutinib Capsules (Yike), Ruxolitinib Tablets (Jie Ke Wei), 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 drugs into the scope of insurance reimbursement to provide customers with special drug insurance services; however, when pricing special drug insurance, it is mainly manually analyzed and priced by experts. This pricing method is inefficient and has a large human factor, which reduces the accuracy of pricing for specialty drug insurance plans

Method used

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

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Embodiment Construction

[0021] It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention.

[0022] The insurance pricing method based on big data involved in the embodiments of the present invention is mainly applied to insurance pricing equipment based on big data. The insurance pricing equipment based on big data may be a personal computer (PC), laptop, server, etc. with data Equipment for processing functions.

[0023] Reference figure 1 , figure 1 It is a schematic diagram of the hardware structure of the big data-based insurance pricing device involved in the scheme of the embodiment of the present invention. In the embodiment of the present invention, the big data-based insurance pricing device may include a processor 1001 (for example, a central processing unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Among them, the communication bus 1002 ...

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Abstract

The invention provides an insurance pricing method, device and equipment based on big data and a readable storage medium. The method comprises the following steps: according to the special drug applicability morbidity of a target crowd with similar characteristics to a protected person and the special medicine use cost, calculating a gross insurance premium of the special drug insurance plan by aplurality of influence factors such as operation cost; pricing the special insurance plan in a big data analysis processing manner; Therefore, the influence factor of the price of the special insurance plan is more comprehensively considered, the pricing result can better accord with the actual condition of the insured person and the real operation condition of the insurance institution, the reasonability and accuracy of pricing are improved, and the operation cost of the insurance plan is reduced.

Description

Technical field [0001] The present invention relates to the field of data analysis, 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 (medicine with high scientific content and high technical difficulty for special treatment of a certain disease) on the market gradually increase, such as Ibrutinib capsules (Yike), Lucetinib tablets (Jiekewei) etc.; but the price of special medicines on the market is relatively expensive. In order to reduce the burden on patients, some insurance institutions propose to include the medical expenses of special drugs in the scope of insurance reimbursement to provide customers with special drug insurance services. At present, when pricing special drug insurance, experts conduct manual analysis and price. This pricing method is inefficient and has a large human factor, which reduces the accuracy of th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q30/02
CPCG06Q40/08G06Q30/0206
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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