Insurance product combination method and system and storage medium
A product combination and risk technology, applied in the financial field, can solve problems such as lack of, failure to dynamically plan and adjust the amount of insurance, and failure to fully consider the constraints of dynamic changes in user risks, so as to improve cost-effectiveness, reduce risk hazards, and improve services. Effects on efficiency and quality of service
Pending Publication Date: 2022-04-12
赵振波
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Problems solved by technology
[0002] In terms of insurance product portfolio, the existing insurance product recommendation methods generally mechanically match insurance demand with insurance product liability, or apply a simplified combination plan that is in line with sales interests, and do not fully consider the dynamic changes in risk and protection of users. The restrictive nature of the core demands, especially the insurance users’ demands for the leverage benefits of insurance, the preservation benefits of premiums, and the continuous benefits of protection, also failed to make insurance product combinations according to constraints such as users’ insured goals and payment budgets, making Each insurance product in the portfolio obtains a reasonable amount of insurance, and fails to dynamically plan and adjust the amount of insurance according to changes in risks; in terms of protection benefit evaluation, there is currently a lack of an index evaluation system that can effectively indicate the protection benefit, resulting in different insurance business personnel There is no way to compare the different protection schemes provided, and it is even more difficult for insurance users to identify whether the protection schemes really meet their real insurance needs
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[0117] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, not all of them. Based on The embodiments of the present invention and 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.
[0118] Such as Figure 1-5 As shown, the present invention provides a method for combining insurance products.
[0119] Such as Figure 6 As shown, the present invention provides an insurance product combination realization system.
[0120] Specifically, 101, enter the insurance user information, take a 40-year-old married man as an example, who has not purchased any commercial insurance, the premium budget is 10,000 yuan per year, and the pay...
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The invention discloses an insurance product combination method and system and a storage medium. The method comprises the steps of S1, insurance demand measurement; s2, insurance product combination planning is solved; s3, insurance product combination benefit evaluation; and S4, insurance product combination optimization. According to the technical scheme, an effective tool for insurance demand measurement, insurance product combination, insurance guarantee benefit evaluation and insurance product combination optimization is provided for insurance users and insurance business personnel; according to the method, an insurance user can independently design an insurance guarantee scheme according with own requirements and independently optimize or evaluate the existing insurance guarantee benefit level; insurance business personnel can make a more professional and accurate insurance proposal according to the method, and the service efficiency and the service quality are improved.
Description
technical field [0001] The invention relates to the field of financial technology, in particular to an insurance product combination method, system and storage medium. Background technique [0002] In terms of insurance product portfolio, the existing insurance product recommendation methods generally mechanically match insurance demand with insurance product liability, or apply a simplified combination plan that is in line with sales interests, without fully considering the user's risk dynamic changes and protection The restrictive nature of core demands, especially insurance users’ demands for insurance leverage benefits, premium preservation benefits, and continuous benefits of guarantees, also failed to make insurance product portfolios based on constraints such as users’ insured goals and payment budgets, making Each insurance product in the portfolio obtains a reasonable insured amount, and fails to dynamically plan and adjust the insured amount according to risk chang...
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IPC IPC(8): G06Q40/08G06Q30/06G06Q10/04
Inventor赵振波
Owner赵振波