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Claim settlement scheme determination method and device, electronic equipment and storage medium

A technology for determining methods and schemes, applied in the field of insurance information, can solve problems such as unreasonable design of artificially estimated claims settlement schemes, and achieve the effect of fast determination process and high reliability of results

Pending Publication Date: 2022-08-02
北京鲸鹳科技有限公司
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Problems solved by technology

This method not only takes a lot of time to retrieve and read historical data, but also leads to unreasonable claim settlement scheme design due to inaccurate historical data selection or manual estimation deviation, which contains great risks.

Method used

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  • Claim settlement scheme determination method and device, electronic equipment and storage medium
  • Claim settlement scheme determination method and device, electronic equipment and storage medium
  • Claim settlement scheme determination method and device, electronic equipment and storage medium

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Embodiment Construction

[0026] Exemplary embodiments of the present disclosure are described below with reference to the accompanying drawings, which include various details of the embodiments of the present disclosure to facilitate understanding and should be considered as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present disclosure. Also, descriptions of well-known functions and constructions are omitted from the following description for clarity and conciseness.

[0027] The term "and / or" in this article is only an association relationship to describe the associated objects, indicating that there can be three kinds of relationships, for example, A and / or B, it can mean that A exists alone, A and B exist at the same time, and A and B exist independently B these three cases. The term "at least one" herein refers to any combina...

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Abstract

The invention provides a claim settlement scheme determination method and device, electronic equipment and a storage medium, and relates to the technical field of insurance information. According to the specific implementation scheme, basic information and compensation payment rule information of an insured object of a current claim settlement scheme are acquired; determining a corresponding claim settlement case from historical data according to the basic information; according to the claim settlement case and the claim payment rule information, calculating to obtain the current claim payment data; and taking the current claim settlement scheme as a target claim settlement scheme under the condition that the current claim payment data accords with an expected value. By adopting the scheme, the claim settlement case with a relatively high reference value can be screened from the historical data, calculation is performed in combination with the current claim payment rule, the most accurate claim payment data is obtained, the reasonable target claim settlement scheme is determined according to the claim payment data, the scheme does not depend on manpower, the determination process is rapid and efficient, and the result credibility is high.

Description

technical field [0001] The present disclosure relates to the technical field of insurance information, and in particular, to a method, device, electronic device and storage medium for determining a claim settlement scheme. Background technique [0002] When designing insurance products, it is often necessary to formulate a claim settlement plan according to the characteristics and current conditions of each user, and to estimate whether the newly formulated claim settlement plan meets the compensation requirements. In the related art, this step is highly dependent on manual labor: the quotation personnel need to find the previous historical insurance data of the enterprise from the database, and then involve the specific compensation plan based on the experience, and estimate the compensation result. This method not only takes a lot of time to retrieve and read historical data, but also leads to unreasonable claims settlement plans due to inaccurate selection of historical d...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 石龙涛李文典陈伟
Owner 北京鲸鹳科技有限公司
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