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Actuarial insurance method based on big data

A big data and actuarial technology, applied in the field of insurance analysis, can solve the problems of user calculation, inaccurate actuarial results, increase the risk of insurance companies, etc., to achieve the effect of improving accuracy, reducing risk, and improving profitability

Pending Publication Date: 2021-06-22
北京爱选信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, when the current actuarial system analyzes and processes the data, it does not integrate various factors of the user for calculation, resulting in the problem that the actuarial results may be inaccurate and increase the risk of the insurance company.

Method used

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  • Actuarial insurance method based on big data
  • Actuarial insurance method based on big data
  • Actuarial insurance method based on big data

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] Such as figure 1 As shown, the embodiment of the present invention discloses a big data-based insurance actuarial method, the method runs in the data processing center, including the following steps:

[0029] Obtain the Internet access data of the client from the telecom operator through the network, and classify the access data according to the preset age division rules,

[0030] Obtain the payment data of the client from the banking system through the network, and classify the payment data according to the preset age division rules;

[0031] Extract the access data corresponding to each age group, and obtain the keywords entered by the user using the search engine from the access data corresponding to each age group;

[0032] Extract the payment data corresponding to each age group, and obtain the user's medical payment data from the payment data corresponding to each age group;

[0033] Analyze the keywords entered by the client using the search engine in each age ...

Embodiment 2

[0043] Such as figure 1 As shown, the embodiment of the present invention discloses a method for actuarial calculation based on big data, and the method runs in a data processing center, including the following steps:

[0044] Obtain the Internet access data of the client from the telecom operator through the network, and classify the access data according to the preset age division rules,

[0045] Obtain the payment data of the client from the banking system through the network, and classify the payment data according to the preset age division rules;

[0046] Determine whether the Internet access data obtained by the client is correct or not, and delete the incorrect data if it is incorrect;

[0047] Determine whether the payment data obtained by the client from the banking system is correct or not, and delete the incorrect data if it is incorrect.

[0048] Extract the access data corresponding to each age group, and obtain the keywords entered by the user using the search...

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Abstract

The invention discloses an actuarial insurance method based on big data, and relates to the technical field of insurance analysis, the method is operated in a data processing center, the disease incidence rate is calculated by integrating search data and payment data, the accuracy of calculation of the disease incidence rate is improved, and the accuracy of calculation of the disease incidence rate is improved. And the premium of the medical insurance is correspondingly adjusted according to the disease risk rate, so that the risk of the medical insurance can be effectively reduced, and the profitability of an insurance company is improved.

Description

technical field [0001] The invention relates to the technical field of insurance analysis, in particular to a large data-based insurance actuarial method with high calculation accuracy. Background technique [0002] At present, insurance companies have launched a variety of insurance products, and insurance salespersons sell them to different groups of people according to the types and characteristics of insurance products. The risk prediction of actuarial insurance can be accelerated through big data technology: With the help of growing private and public user information, big data technology helps people extract useful value from large volume and high complexity of various data to push information accurately. However, when the current actuarial system analyzes and processes the data, it does not integrate various factors of the user for calculation, resulting in the problem that the actuarial results may be inaccurate and increase the risk of the insurance company. Conte...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06F16/953
CPCG06Q40/08G06F16/953
Inventor 张庆峰
Owner 北京爱选信息科技有限公司
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