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Insurance pre-claim settlement method and device, electronic equipment and storage medium

A technology for purchasing insurance and users, applied in data processing applications, finance, instruments, etc., can solve problems such as poor user experience, long-term cycle, inconvenience, etc., to improve user experience and facilitate promotion.

Pending Publication Date: 2022-05-17
惠医保(广州)信息科技有限公司
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

However, with this method, operations such as data review, case filing, and claim settlement take a long time period, and users need to wait for a long time to get the claim amount, resulting in poor user experience. For users who urgently need insurance compensation to pay for medical expenses, such a payment method will bring great inconvenience to users

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  • Insurance pre-claim settlement method and device, electronic equipment and storage medium
  • Insurance pre-claim settlement method and device, electronic equipment and storage medium
  • Insurance pre-claim settlement method and device, electronic equipment and storage medium

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Embodiment Construction

[0052] In order to facilitate the calculation of the amount of claims and the payment of claims for users to be settled, the embodiments of the present application provide a pre-insurance claim settlement method, device, electronic equipment, and storage medium. The insurance pre-claim settlement method, device, electronic equipment, and storage medium It is very convenient and quick to complete the calculation and payment of the claim amount for the users who are waiting for claims, so that when the medical expenses are settled, all or part of the medical expenses can be directly deducted from the claimable amount to improve the user experience.

[0053]The insurance pre-claim settlement method provided by the embodiment of the present application can be applied to the server of the medical insurance service provider or the server of the third-party medical insurance service provider. It can be understood that the executive body does not constitute a limitation to the embodimen...

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Abstract

The invention provides an insurance pre-claim settlement method and device, electronic equipment and a storage medium, and relates to the technical field of insurance claim settlement. The insurance pre-claim settlement method comprises the following steps: acquiring a medical diagnostic book of a to-be-claimed user, wherein personal information of the to-be-claimed user is recorded in the medical diagnostic book; querying an insurance type and a claim amount of an insurance purchased by the to-be-claimed user according to the personal information; obtaining a medical record of the user to be subjected to claim settlement from a medical database, wherein medical project details and drug list details are recorded in the medical record; and on the basis of the claim terms, the medical project details, the drug list details and the claim amount corresponding to the insurance type, determining the claim amount for the user to be claimed, so that the user to be claimed can deduct the medical expense according to the claim amount when settling the expense. According to the insurance pre-claim settlement method and device, the electronic equipment and the storage medium provided by the invention, the claim settlement amount calculation and the claim settlement payment for the to-be-claimed user can be very conveniently and quickly completed.

Description

technical field [0001] The present application relates to the technical field of insurance claims, in particular to a method, device, electronic device and storage medium for pre-insurance claims. Background technique [0002] Medical insurance is an insurance system established to compensate laborers for their economic losses caused by disease risks. After the insured persons suffer medical expenses due to illness, the insurance agency can give them certain economic compensation. [0003] At present, in the existing medical insurance claims, the common method is that after the user submits the insurance claim application, the insurance claim personnel will conduct data review, filing and closing of the claim application submitted by the user. However, with this method, operations such as data review, case filing, and claim settlement take a long time period, and users need to wait for a long time to get the claim amount, resulting in poor user experience. For users who urg...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G06Q50/22
CPCG06Q40/08G06Q50/22
Inventor 刘明杰
Owner 惠医保(广州)信息科技有限公司
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