Insurance policy claim settlement judgment method and device, storage medium and apparatus

Abstract

The invention discloses an insurance policy claim settlement judgment method and device, a storage medium and an apparatus. The method comprises the steps: obtaining a to-be-processed insurance policyset, carrying out the traversing of the to-be-processed insurance policy set, and enabling the traversed to-be-processed insurance policy to serve as a target insurance policy; Extracting a target insurance type and target claim content from the target insurance policy, and matching the target insurance type with each insurance type in a preset main configuration table; When the matching is successful, searching a target claim settlement rule set corresponding to the target insurance type from a preset auxiliary configuration table; And judging whether the target claim settlement content satisfies a target claim settlement rule set, and if yes, determining that the target insurance policy satisfies a claim settlement condition. According to the method, whether the target insurance policymeets the claim settlement condition or not is determined by judging whether the target claim settlement content meets the target claim settlement rule set found in the preset auxiliary configurationtable or not, condition judgment is dynamically carried out by using a set of logic, hard codes are reduced, the program maintenance difficulty is reduced, and the judgment efficiency is improved.

Description

technical field [0001] The present invention relates to the technical field of insurance claims, in particular to a policy claim judgment method, equipment, storage medium and device. Background technique [0002] The loss ratio is the ratio between the compensation payment and the premium income of an insurance company during a certain accounting period (the accounting period is fixed: that is, a natural year is an accounting year, and the accounting period is 12 natural months, and the insurance company can define it according to its own needs). Proportional relationship. When making statistics on indemnity expenditure, it is necessary to judge whether the corresponding claim settlement rules of each insurance are satisfied. Only when the claim settlement rules are satisfied, it is necessary to calculate the indemnity expenditure, and then further calculate the compensation rate. However, for various The claim settlement rules corresponding to the insurance types are diffe...

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a policy claim judgment method, equipment, storage medium and device, aiming to solve the technical problem of low efficiency of policy claim judgment in the prior art

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