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Personal medical insurance precision marketing and risk control method

A precision marketing and risk control technology, applied in the fields of instruments, finance, data processing applications, etc., can solve problems such as fraud

Pending Publication Date: 2022-03-25
上海百保箱网络科技有限公司 +1
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

The biggest advantage of Internet agencies is that they have big data, but the following problems are who to conduct precise marketing to, and how to deal with fraud and adverse selection in the marketing process

Method used

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  • Personal medical insurance precision marketing and risk control method

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Embodiment Construction

[0014] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0015] see figure 1 , a precision marketing and risk control method for personal medical insurance, in terms of data: make full use of Internet medical institution data, establish a big data precision marketing model, integrate third-party data, establish an anti-fraud and risk control model, and control the risk of personal health insurance potential risks. In terms of marketing, based on the analysis results of big data, insurance companies form core compet...

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Abstract

The invention discloses a personal medical insurance precision marketing and risk control method, and the method comprises the following specific steps: carrying out the analysis of a plurality of factors of Internet medical customers, building a big data risk control model, classifying the customers, calculating the personal medical activities through the big data risk control model, and determining the additional insurance amount of common medical treatment. According to the method, corresponding price preferential strategies are made for clients with different grades, it is ensured that large-area loss does not occur to businesses, and finally, a white list system is opened by utilizing the technical advantages of the three parties, and customized personal health insurance services are provided for the clients needing the businesses; internet medical institution data is fully utilized, a big data precision marketing model is established, compliance third-party data is connected, an anti-fraud and risk control model is established, and the potential risk of personal health insurance is controlled.

Description

technical field [0001] The invention relates to the technical field of network marketing, in particular to a precise marketing and risk control method for personal medical insurance. Background technique [0002] Personal medical insurance is characterized by low premiums and coverage for almost every age group. Because of its low price, high insured amount, and no restrictions on reimbursement of diseases, you can get several million insured for a few hundred dollars a year. In addition, it also has very comprehensive protection content, such as bed fees, nursing fees, surgery fees, drug fees, material fees, etc., all of which can be reimbursed. [0003] Due to its high cost-effectiveness, personal medical and health insurance has been expanding year by year in the business proportion of insurance companies. In the case of stable economic growth at this stage, the cost-effectiveness of personal health insurance is more significant, and it can be predicted that personal hea...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/0635G06Q40/08
Inventor 张红亮江华
Owner 上海百保箱网络科技有限公司
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