Risk early warning system based on data analysis

Abstract

The invention relates to big data processing, and provides a risk early warning system based on data analysis. The system comprises: an expense grouping determination module which is used for determining an expense group to which each single diagnosis injury belongs according to the initial treatment expense of each single diagnosis injury; a diagnosis coefficient determining module which is used for determining diagnosis coefficients corresponding to the single diagnosis injury according to the expense groups; a parameter training module which is used for training each diagnosis coefficient and each combined injury fine adjustment factor according to the combined injury treatment cost prediction model; a composite injury claim expense prediction module which is used for predicting composite injury claim expense according to the adjusted diagnosis coefficients, diagnosis fine tuning factors and initial treatment expense; and a claim risk early warning module which is used for generating risk early warning information when determining that the composite injury claim expense exceeds the reasonable treatment expense range. By adopting the system, the composite injury treatment cost can be estimated without depending on personal experience, the accuracy of composite injury claim prediction cost can be improved, risk early warning information can be generated in time, and the risk management and control effect is improved.

Description

technical field [0001] This application relates to the technical field of big data processing, in particular to a risk warning system based on data analysis. Background technique [0002] With the increasing development of big data processing technology and the wide application of Internet finance, more and more people choose to buy insurance online, so as to get corresponding claims in the event of an accident or accident, which can include auto insurance, personal injury, medical and health insurance, etc. . Among them, the estimation of personal injury expenses in auto insurance is an important link in the auto insurance claims business. According to the number of diagnoses in the injury diagnosis, injuries can be divided into single-diagnosis injuries and compound-injury diagnosis injuries. The corresponding claims for different injuries are also inconsistent. . [0003] Traditionally, the method of estimating case costs by claimants based on claims experience is often...

AI Technical Summary

Problems solved by technology

However, there are many types of combined injuries, and the collection of on-site injury information is limited, making it difficult to accurately determine the corresponding treatment plan. It is difficult to obtain the cost of combined injuries by using a simple standard treatment path for cost decomposition.

Moreover, because the injury information collected on site is not comprehensive enough, the estimated value of the composite injury cost obtained is less accurate and has a large gap with the actual claim cost, which is prone to miscalculation or omission of claim risk, resulting in ineffective risk claim management and control. good

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