Human insurance premium measurement and calculation configuration method and device

Abstract

The invention discloses a human insurance premium measurement and calculation configuration method and device, and relates to the technical field of computer information processing. The method comprises the following steps: S1, configuring a human insurance fee calculation data dictionary; S2, according to the human insurance fee calculation data dictionary, configuring fee calculation rule fields corresponding to human insurance products; S3, selecting fee calculation factors in human insurance fee calculation rule fields, and configuring corresponding premium rates; S4, configuring a human body insurance premium calculation formula; and S5, forming a complete human body insurance premium calculation mode according to the insurance premium calculation rule, the insurance premium rate and the insurance premium calculation formula. The human body insurance premium calculation configuration method and device realize unified configuration of various insurance product premium calculation modes, do not need to develop personalized premium calculation interfaces for each product, are convenient to maintain and reduce enterprise cost, increase economic benefits, have good market promotion value, can be configured by operation personnel without development under the conditions of human insurance rate change, fee calculation rule change and the like, and save cost.

Description

technical field [0001] The invention relates to the technical field of computer information processing, in particular to a personal insurance premium calculation and configuration method and device. Background technique [0002] Personal insurance is based on the life or body of a person as the subject of insurance. When an insured accident occurs to the life or body of the insured or the insurance period expires, the insurer pays the insurance money to the insured or the beneficiary in accordance with the provisions of the insurance contract. Insurance forms, personal insurance includes life insurance, injury insurance, and health insurance. In property insurance, the insurer undertakes the compensation liability for the loss of the insured object, while in personal insurance, the insurer undertakes the payment liability regardless of the loss or the amount. For this reason, personal insurance is usually fixed amount insurance, Personal insurance is an insurance that takes...

AI Technical Summary

Problems solved by technology

[0003] The premium calculation is to calculate the premium based on the calculation factors in the corresponding products. The calculation factors of different products may be different. The calculation factors of one product may be the age of the insured and the insurance period, and the other may be occupation. In the underwriting system, due to the separate development of the product, the premium calculation also needs to be coded every time the product is developed. This technical solution can adapt to the initial simple premium calculation scenario, but it is inconvenient to modify. If the demand for the product changes, if you want to To change the age range or the corresponding floating coefficient, the code needs to be changed

And because each developer has a different habit of writing code, if someone else takes over the modification, it may be extremely unchanged and error-prone, and the business environment is becoming more and more complex, and the measurement factors are increasing. This hard-coded method for each product is not only labor-intensive, Development and maintenance are becoming more and more difficult, resulting in mediocre results. For this reason, a life insurance premium calculation configuration method and device are proposed to solve the above problems

Images