Health insurance product configuration method and device, medium and equipment

A configuration method and product technology, applied in the field of communication, can solve the problem of inaccurate configuration of health insurance products, and achieve the effect of improving accuracy

Active Publication Date: 2020-09-11
TAIKANG LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Embodiments of the present invention provide a configuration method, device, medium and equipment for health insurance products, which are used to solve the problem of inaccurate configuration of health insurance products

Method used

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  • Health insurance product configuration method and device, medium and equipment
  • Health insurance product configuration method and device, medium and equipment
  • Health insurance product configuration method and device, medium and equipment

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0061] Embodiment 1 of the present invention provides a method for configuring health insurance products. The steps of the method can be as follows figure 1 shown, including:

[0062] Step 101. Receive a health insurance product configuration request.

[0063] This embodiment is mainly described by taking the server as an execution subject as an example. In this step, the server may receive the health insurance product configuration request sent by the terminal.

[0064] It should be noted that the health insurance product configuration request sent by the terminal may be at the terminal side, and the terminal receives the health insurance product configuration request sent by the user and sends it to the server. The health insurance product configuration request received by the terminal may be in any form, which is not specifically limited in this embodiment.

[0065] Step 102, responding to the configuration page.

[0066] In this step, the server may respond to the term...

Embodiment 2

[0117] The schematic diagram of the configuration design of the health insurance product provided by Embodiment 2 of the present invention can be as follows Figure 5 As shown, in the configuration design of health insurance products, the configuration design of health insurance products can be divided into three modules: the pre-definition of insurance factors (factor management), the pre-configuration of insurance liabilities (liability management) and the health insurance product configuration (insurance management, in Figure 5 , the configuration of the liability plan in the health insurance product configuration is shown).

[0118] In this embodiment, factor management can be understood as predefining commonly used influencing parameters in insurance application and claim settlement, so as to facilitate the repeated use of influencing parameters. When pre-defining insurance factors, you can define underwriting factors, compensation factors, claim settlement factors and ...

Embodiment 3

[0134] For example, if there is an insurance type A, the protection information is shown in Table 4, and the rate information is shown in Table 5, the product configuration can be performed according to the health insurance product configuration method provided by the present invention.

[0135] In this embodiment, when the terminal side receives the health insurance product configuration request, it may send the request to the server side. According to the request, the server can respond to the responsibility plan configuration page. The terminal side may display the responsibility plan configuration page responded by the server side. According to the responsibility plan configuration page displayed on the terminal side, the user can configure the basic insurance information corresponding to insurance type A, and can configure two liability plans for insurance type A, which are recorded as plan 1 and plan 2 respectively, and are carried out for plan 1 and plan 2 respectively....

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PUM

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Abstract

The invention relates to a health insurance product configuration method and device, a medium and equipment. When a server side receives a health insurance product configuration request sent by a terminal side, the responsibility plan configuration page can be responded to the terminal side, each insurance responsibility in the responsibility plan configuration page can correspond to the insuranceresponsibility tree of one hierarchical structure, the configuration information which is sent by the terminal side and corresponds to the responsibility plan configuration page can be received, andconfiguration of the insurance responsibility tree is achieved. Therefore, through configuration of the insurance responsibility tree, hierarchical configuration of insurance responsibilities in health insurance products is achieved, and the accuracy of health insurance product configuration is improved.

Description

technical field [0001] The present invention relates to the field of communication technology, and in particular to a health insurance product configuration method, device, medium and equipment. Background technique [0002] The premium calculation and claim settlement of health insurance products are different from traditional insurance products, mainly in that the actuarial calculation of health insurance is related to the incidence of diseases related to people's health status and behavior habits and changes in medical expenses, and these factors need to be considered. , the calculation of premiums and claims is more complicated. [0003] Statistics show that the incidence of medical insurance claims is 6-8%, of which the supplementary medical insurance business of enterprises is as high as 25-30%, which is much higher than the level of 0.3-0.4% of life insurance. Frequent claims also determine that health insurance needs to invest in claims A lot of manpower and materia...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 董楠高英明欧龙平王一涵徐义博
Owner TAIKANG LIFE INSURANCE CO LTD
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