Intelligent insurance underwriting method and system

Abstract

The invention discloses an intelligent insurance underwriting method and system, which can dynamically generate a questionnaire for a user to fill in according to user information, intelligently guide the user to complete the questionnaire and perform intelligent underwriting, and give an underwriting result. The method comprises the following steps that a questionnaire query request is sent to a server; the server side matches the questionnaire and sends the questionnaire to the information interaction module; a to-be-answered question is judged and displayed according to the content of the currently answered question and a decision tree rule; the information interaction module acquires answered questions filled by the user; the questionnaire processing module judges whether the questionnaire is answered or not, if not, the questionnaire processing module continues to send the question to be answered, and if yes, the questionnaire processing module sends an intelligent underwriting request; the intelligent underwriting module carries out intelligent underwriting, and a result is displayed through the information interaction module. An information interaction module of a client of the system receives questionnaire query information and answered questions and uploads the questionnaire query information and the answered questions to a questionnaire processing module, the questionnaire processing module of a server intelligently interacts with a user according to a decision tree rule to guide the user to answer the questions, and the intelligent underwriting module performs underwriting evaluation to give an underwriting result.

Description

technical field [0001] This application relates to the field of software, in particular to an intelligent insurance underwriting method and system. Background technique [0002] The current user insurance notification is realized through a fixed formatted questionnaire. When users apply for insurance, they read the notification questions designed in advance by the insurance company on the insurance application form and answer them. Disclosure questions generally include income, occupation, personal habits, and health. Answers to these questions include: check yes / no (eg, medical history, physical examination results), fill in numbers (eg, height, weight, income, gestational weeks), optional items (eg, occupation), and so on. For the medical history class, if there is an abnormal situation, you need to fill in the text or enter the specific situation in a certain position. The current decision-making of insurance companies is also informed by regular users, and the underwr...

AI Technical Summary

Problems solved by technology

[0003] This application proposes an intelligent insurance underwriting method and system to solve the problem of heavy workload of processing personnel in the prior art

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