Intelligent health management and life safety insurance system and implementation method thereof

Abstract

The invention discloses an intelligent health management and life safety insurance system. The system comprises a wearable intelligent terminal, a big data server, a monitoring service center, a third-party service platform (which comprises a medical institution and the like) and an insurance company platform, the big data server receives the real-time health data, collected by the wearable intelligent terminal, of the insured person and the diagnosis data collected by the third-party service platform, stores the data and analyzes the data to form an insured person health report; the insurancecompany platform receives the insured person health report from the big data server and performs underwriting or claim settlement according to the report; and the monitoring service center receives the insured person health report from the big data server, and provides service for the user of the wearable intelligent terminal, namely the insured person according to the situation. In addition, theinvention further discloses an implementation method of the system. The user is monitored in real time, targeted feedback is provided, the user experience is improved, underwriting and claim settlement procedures are simplified, and the labor cost is reduced.

Description

technical field [0001] The invention relates to an insurance system, in particular to an intelligent health management and life safety insurance system; in addition, the invention also relates to a method for realizing the intelligent health management and life safety insurance system. Background technique: [0002] In recent years, with the improvement of people's living standards, health and longevity has become a focus of public attention. At the same time, health insurance has gradually become the first choice for people to buy insurance. [0003] Existing health insurance products have strict requirements on users, and most potential users are rejected, which violates the purpose of insurance serving the people's livelihood, and cannot provide support for a healthy China and the people's yearning for a better life. [0004] The insurance services experienced by customers or their relatives are limited to settlement of claims afterwards. [0005] The income and profit ...

AI Technical Summary

Problems solved by technology

For insurance companies, the workload of underwriting and claims settlement of current health insurance products is very heavy, the procedures are complex, time-consuming, and labor costs are high

For the insured, it is necessary to provide a large amount of materials and the procedures are cumbersome

[0007] Chinese invention patent CN201410121802.8 discloses a health management system and method based on the Internet of Things and cloud computing. The device is not a wearable smart terminal, and it still needs to collect data manually, and it is not real-time data collection, which has certain limitations; the system is only data feedback, without data analysis and targeted services; the system is not specifically for Designing for problems in the insurance industry

However, it does not solve the core problem of commercial insurance: existing health insurance products have strict requirements on users, and most potential users are rejected

For insurance companies, the workload of underwriting and claims settlement of current health insurance products is very heavy, the procedures are complex, time-consuming, and labor costs are high

For the insured, it is necessary to provide a large amount of materials and the procedures are cumbersome

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