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Insurance underwriting system, method, device and computer readable medium

An underwriting and subsystem technology, applied in the computer field, can solve problems such as low accuracy and difficulty in knowing the relationship between potential factors and a certain disease, and achieve the effect of improving accuracy

Pending Publication Date: 2020-05-08
TAIKANG LIFE INSURANCE CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In the process of realizing the present invention, the inventors found that there are at least the following problems in the prior art: in the process of insurance underwriting, it is difficult to know the relationship between potential factors and a certain disease, which leads to low accuracy of underwriting

Method used

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  • Insurance underwriting system, method, device and computer readable medium
  • Insurance underwriting system, method, device and computer readable medium
  • Insurance underwriting system, method, device and computer readable medium

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Embodiment Construction

[0040] Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

[0041] Malignant tumors are the main cause of disease in most people. At the same time, most people also suffer from different chronic diseases. In order to avoid the various impacts of illness on life, you can reduce the economic impact of illness by purchasing insurance.

[0042] In the process of insurance underwriting, it is difficult to know the relationship between...

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Abstract

The invention discloses an insurance underwriting system, method and device and a computer readable medium, and relates to the technical field of computers. A specific embodiment of the system comprises: a data subsystem used for extracting basic medical data from a medical insurance database; a processing subsystem which is used for screening patients suffering from chronic diseases and malignanttumors in the basic medical data according to the types of the chronic diseases and the types of the malignant tumors; an analysis subsystem which is used for carrying out logistic regression analysis according to the basic medical data of the patient so as to determine the correlation between factors and malignant tumors, wheein the factors comprise the type of chronic diseases and the gender orage of an insured person; and an underwriting subsystem which is used for determining insurance data of the insured person based on the correlation between the factor and the malignant tumor. According to the embodiment, the relationship between the potential factor and the disease can be obtained, so that the underwriting accuracy is improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to an insurance underwriting system, method, device and computer-readable medium. Background technique [0002] Insurance underwriting is the process by which an insurance company reviews, approves and selects risks for an insurance applicant's application for insurance. [0003] With the development of social economy, the improvement of living standards and the acceleration of population aging process, chronic diseases have become one of the public health problems, which have brought a huge impact on people's health and life. [0004] The occurrence and prevalence of chronic diseases are closely related to factors such as economic society, ecological environment, cultural customs and lifestyle. Along with changes in lifestyle, dietary structure, consumption and entertainment, work content and work methods, and economic relations, the spectrum of diseases and the proporti...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G16H50/70
CPCG06Q40/08G16H50/70
Inventor 王振丛慧芳
Owner TAIKANG LIFE INSURANCE CO LTD
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