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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 big data, can solve the problems of high price, large artificial factors in pricing, and no consideration of changes in special drug costs, so as to reduce operating costs and improve rationality and accuracy.

Inactive Publication Date: 2019-04-26
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 Ambrisentan Tablets (Varik), 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 medicines into the scope of insurance reimbursement; and when pricing special medicine insurance plans, experts are currently mainly analyzing and determining them manually, and the human factors in this pricing large and does not account for changes in the cost of specialty drugs, which reduces the accuracy of specialty drug insurance plan pricing

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

[0051] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0052] 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. The insurance pricing equipment based on big data can be a personal computer (personal computer, PC), a notebook computer, a server, etc. Equipment for data processing functions.

[0053] refer to figure 1 , figure 1It 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. Wherein, ...

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Abstract

The invention provides an insurance pricing method, device and apparatus based on big data, and a readable storage medium, and the method comprises the steps: determining a target city and a compensation scheme when receiving a pricing request, and determining a reference city of the target city; Obtaining historical per capita cost of the special medicine in the reference city, and obtaining percapita cost of the special medicine according to the historical per capita cost; Calculating the predicted per capita compensation according to the per capita cost of the special drug and the compensation scheme; Calculating the annual risk insurance premium according to the predicted per capita compensation, the applicable symptom morbidity and the special medicine utilization rate; And calculating 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, the special medicine use cost and the cost change trend are combined; The method has the advantages that the gross insurance premium of the special medicine insurance plan is calculated through the influence factors such as the medication rate and the operation cost, the special medicine insurance plan is priced in a big data analysis processing mode, the influence factors of the price of the special medicine insurance plan are considered more comprehensively, and the reasonability and accuracy of pricing are improved.

Description

technical field [0001] The present invention relates to the technical 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 Ambrisentan Tablets (Varik), 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 medicines into the scope of insurance reimbursement; and when pricing special medicine insurance plans, experts are currently mainly analyzing and determining them manually, and the human factors in this pricing Large, and does not take into account changes in the cost o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
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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