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Insurance policy risk assessment method and device

A technology of risk assessment and insurance policy, applied in the insurance field, can solve the problems of inability to differentiate analysis, less limit the effect of risk control, etc., and achieve the effect of avoiding limited effect of risk control and reliable results

Pending Publication Date: 2022-01-04
北京优全智汇信息技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The present invention provides an insurance policy risk assessment method and device to solve the problems existing in the existing insurance policy risk assessment methods that it is impossible to differentiate the risk of accepting each insurance application for a certain insurance scheme, and the risk analysis is limited due to the combination of less features. control effect problem

Method used

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  • Insurance policy risk assessment method and device
  • Insurance policy risk assessment method and device
  • Insurance policy risk assessment method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0029] refer to figure 1 , shows a flow chart of steps of an insurance policy risk assessment method according to Embodiment 1 of the present invention.

[0030] In the employer insurance business, risk control is often carried out at the stage of insurance plan design, and the pricing of the plan is set according to the risk of the plan. Therefore, the accuracy of the risk assessment of the policy will directly affect the pricing of the employer insurance business. The insurance policy risk assessment method of the embodiment of the present invention comprises the following steps:

[0031] Step 101: Obtain a preset data set corresponding to an insurance policy.

[0032] Wherein, the preset data set includes at least one of the following: data of the insured enterprise, data of the insured, and data of continued investment.

[0033] The insured company data may include but not limited to: the name of the insured company, historical insurance data, historical accident data, e...

Embodiment 2

[0049] refer to image 3 , shows a structural block diagram of an insurance policy risk assessment device according to Embodiment 2 of the present invention.

[0050] The insurance policy risk assessment device 300 of the embodiment of the present invention includes:

[0051] An acquisition module 301, configured to acquire a preset data set corresponding to an insurance policy, wherein the preset data set includes at least one of the following: insured company data, insured person data, and renewal data;

[0052] The prediction module 302 is configured to input the preset data set into the pre-trained risk control model to obtain each prediction index output by the risk control model, wherein the prediction index includes at least one of the following: accident rate and payout ratio;

[0053] An assessment module 303, configured to perform risk assessment on the insurance policy according to each of the predictive indicators.

[0054] Optionally, the evaluation module incl...

Embodiment 3

[0069] optional, such as Figure 4 As shown, the embodiment of the present application also provides an electronic device 500, including a processor 501, a memory 502, a program or instruction stored in the memory 502 and operable on the processor 501, and the program or instruction is executed by the processor 501 implements each process of the above embodiment of the insurance policy risk assessment method during execution, and can achieve the same technical effect. In order to avoid repetition, details are not repeated here.

[0070] It should be noted that the electronic devices in the embodiments of the present application include the above-mentioned mobile electronic devices and non-mobile electronic devices.

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Abstract

The invention provides an insurance policy risk assessment method and device.The insurance policy risk assessment method comprises the steps of: acquiring a preset data set corresponding to an insurance policy, wherein the preset data set comprises at least one of insured enterprise data, insured person data and continuous investment data; inputting the preset data set into a pre-trained risk control model to obtain prediction indexes output by the risk control model, wherein the prediction indexes include at least one of an accident rate and a loss ratio; and performing risk assessment on the insurance policy according to each prediction index. Through the insurance policy risk assessment method provided by the embodiment of the invention, the precision of insurance policy risk assessment can be improved.

Description

technical field [0001] The invention relates to the technical field of insurance, in particular to an insurance policy risk assessment method and device. Background technique [0002] In the employer insurance business, risk control is often carried out at the stage of insurance plan design, and the pricing of the plan is set according to the risk profile of the plan. [0003] The common method of risk control in the employer insurance industry is to count the accident situation and compensation situation of each type of work on the basis of a large amount of data. The existing methods in the industry have the following disadvantages: [0004] 1. Only assessing the overall risk of an insurance plan, it is impossible to differentiate and analyze the risk of each insurance application accepted by a certain insurance plan, which not only makes it difficult to control the risk, but also leads to the failure of a large number of high-quality insurance policies to be insured. ...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q10/04G06Q40/08
CPCG06Q10/0635G06Q10/06393G06Q10/04G06Q40/08
Inventor 冯佳茵马玉涛晁晓娟
Owner 北京优全智汇信息技术有限公司
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