Methods, devices, computer equipment and storage media for displaying health insurance products

Abstract

This application relates to the field of artificial intelligence technology and discloses a method, device, computer equipment, and storage medium for displaying health insurance products. The method includes: acquiring user information, user health information, and product interest information of a target user; acquiring product information of the target user based on the product interest information, including product introduction information, claims case data, and related medical and elderly care service information, which are provided in conjunction with the target user product; constructing a virtual health service scenario based on the user information and user health information; receiving touch commands from the target user within the virtual health service scenario; and displaying candidate display information within the virtual health service scenario based on the touch commands, where the candidate display information is at least one of product introduction information, claims case data, and medical and elderly care service information. This method can be applied to health insurance product display scenarios in fintech, improving the intuitiveness and accuracy of health insurance product display.

Description

Technical Field

[0001] This application relates to the fields of artificial intelligence and computer vision, and is applicable to financial technology scenarios. In particular, it relates to a method, device, computer equipment, and storage medium for displaying health insurance products. Background Technology

[0002] In the health insurance marketing process, the primary reliance is on insurance agents' explanations, printed promotional materials, or online webpages to drive sales conversion. Currently, using these methods, customers often struggle to intuitively and accurately understand the role of insurance products in real-world medical scenarios. They particularly lack understanding of key aspects such as coverage and claims processes, impacting the intuitiveness and accuracy of the health insurance product presentation. Summary of the Invention

[0003] This application provides a method, apparatus, computer equipment, and storage medium for displaying health insurance products, in order to solve the technical problem that customers cannot intuitively and accurately understand insurance products, and improve the intuitiveness and accuracy of displaying health insurance products.

[0004] Firstly, a method for showcasing health insurance products is provided, including: Obtain user information, user health information, and product interest information of the target audience; Based on the product attention information, obtain product information of the products of interest; wherein, the product information includes product introduction information, claims case data and related medical and elderly care service information of the products of interest, and the related medical and elderly care services are provided in conjunction with the products of interest; A virtual health service scenario is constructed based on the user information and the user health information; The system receives touch commands from the target object in the virtual health service scenario and displays candidate display information in the virtual health service scenario based on the touch commands; wherein the candidate display information is at least one of the product introduction information, the claims case data, and the medical and elderly care service information.

[0005] Secondly, a health insurance product display device is provided, including: The user information acquisition module is used to acquire user information, user health information, and product interest information of the target object. The product information acquisition module is used to acquire product information of the products of interest based on the product interest information; wherein, the product information includes product introduction information of the products of interest, claims case data and medical and elderly care service information related to the medical and elderly care services, and the related medical and elderly care services are provided in conjunction with the products of interest; A virtual scene construction module is used to construct a virtual health service scene based on the user information and the user health information; The product display module is used to receive touch commands from the target object in the virtual health service scenario, and display candidate display information in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of the product introduction information, the claims case data, and the medical and elderly care service information.

[0006] Thirdly, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the above-described health insurance product display method.

[0007] Fourthly, a computer-readable storage medium is provided, which stores a computer program that, when executed by a processor, implements the steps of the above-described health insurance product display method.

[0008] The aforementioned methods, devices, computer equipment, and storage media for displaying health insurance products can be applied to health insurance product display scenarios within the fintech field. This involves acquiring user information, health information, and product interest information from the target audience; then, based on the product interest information, obtaining product information for the targeted product, including product introductions, claims data, and related medical and elderly care service information. These related medical and elderly care services are provided in conjunction with the targeted product, enabling the target audience to gain a comprehensive understanding of the health insurance product, including coverage, actual claims, and available supplementary medical and elderly care services. Next, a virtual health service scenario is constructed based on the user information and health information, creating a realistic and immersive experience environment that enhances user engagement. Finally, the system receives touch commands from the target user within the virtual health service scenario and displays candidate information based on these commands. The candidate information includes at least one of the following: product introduction, claims case data, and medical and elderly care service information. The target user is given the right to choose and can flexibly view the candidate information according to their own interests and concerns. This interactive display method solves the technical problem of customers not being able to intuitively and accurately understand insurance products, improves the intuitiveness and accuracy of health insurance product display, enhances user participation and experience, helps improve user awareness and acceptance of the product, and promotes the effective promotion and sales of health insurance products. Attached Figure Description

[0009] To more clearly illustrate the technical solutions of the embodiments of this application, the drawings used in the description of the embodiments of this application will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0010] Figure 1 This is a schematic diagram of an application environment for a health insurance product display method in one embodiment of this application; Figure 2 This is a flowchart illustrating a method for displaying a health insurance product in one embodiment of this application; Figure 3 yes Figure 1 A schematic diagram of a specific implementation method for step S30; Figure 4 yes Figure 1 A schematic diagram of a specific implementation of step S40; Figure 5 yes Figure 1 A flowchart illustrating another specific implementation of step S40; Figure 6 yes Figure 1 A flowchart illustrating another specific implementation of step S40; Figure 7 yes Figure 1 A flowchart illustrating another specific implementation of step S40; Figure 8 This is a flowchart illustrating a method for displaying a health insurance product in another embodiment of this application; Figure 9 This is a schematic diagram of a health insurance product display device in one embodiment of this application; Figure 10 This is a schematic diagram of the structure of a computer device according to one embodiment of this application. Detailed Implementation

[0011] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0012] The health insurance product display method provided in this application embodiment can be applied to, for example, Figure 1In this application environment, the client communicates with the server via a network. The server can obtain user information, user health information, and product interest information of the target object; based on the product interest information, it can obtain product information of the interested products; the product information includes product introduction information, claims case data, and related medical and elderly care service information, which are provided by the interested products; based on the user information and user health information, it can construct a virtual health service scenario and display the virtual health service scenario on the client. The server receives touch commands from the client regarding the target object in the virtual health service scenario, and displays candidate display information in the virtual health service scenario based on the touch commands, and synchronizes it on the client; the candidate display information is at least one of product introduction information, claims case data, and medical and elderly care service information. The client can be, but is not limited to, a personal computer, laptop, smartphone, tablet, etc., and the virtual health service scenario can be displayed through VR devices or AR devices connected to the client. The server can be implemented using a separate server or a server cluster composed of multiple servers. The following is a detailed description of this application through specific embodiments.

[0013] This application can be applied to health insurance product demonstration scenarios within the fintech field. It involves acquiring user information, health information, and product interest information from the target audience. Based on the product interest information, it obtains product information for the targeted products, including product introductions, claims data, and related medical and elderly care service information. These related medical and elderly care services are provided in conjunction with the targeted products, enabling the target audience to gain a comprehensive understanding of the health insurance product, including coverage, actual claims, and available supplementary medical and elderly care services. Subsequently, a virtual health service scenario is constructed based on the user information and health information, creating a realistic and immersive experience environment that enhances user engagement. Finally, the system receives touch commands from the target user within the virtual health service scenario and displays candidate information based on these commands. The candidate information includes at least one of the following: product introduction, claims case data, and medical and elderly care service information. The target user is given the right to choose and can flexibly view the candidate information according to their own interests and concerns. This interactive display method solves the technical problem of customers not being able to intuitively and accurately understand insurance products, improves the intuitiveness and accuracy of health insurance product display, enhances user participation and experience, helps improve user awareness and acceptance of the product, and promotes the effective promotion and sales of health insurance products.

[0014] Please see Figure 2 As shown, Figure 2 A flowchart illustrating a method for demonstrating a health insurance product provided in this application embodiment includes the following steps: S10: Obtain user information, user health information, and product interest information of the target audience; The health insurance product display method provided in this application can be applied to health insurance product display scenarios in the fintech field. In the health insurance product display scenario, a virtual display engine is mainly used. The virtual display engine usually performs data processing through the server. The virtual display engine can obtain user information, user health information, and product interest information of the target object from the database.

[0015] Specifically, the target audience is individuals or groups who have a potential need to purchase health insurance products or are interested in health insurance products. For example, a 35-year-old married man who starts looking into health insurance products because he is worried about potential future health problems is a target audience.

[0016] User information includes basic identity information of the target individual, such as name, age, gender, occupation, and contact information. This information helps understand the target individual's basic characteristics, providing a foundation for subsequent personalized services. For example, age and occupation can influence the choice of health insurance products; different occupations face different risks, such as the differences in health risks between construction workers and office workers.

[0017] Product interest information refers to the target audience's interest in specific health insurance products, including the type of insurance they are interested in (such as critical illness insurance, medical insurance, and pension insurance), coverage scope, and premium budget. For example, the target audience may be more interested in critical illness insurance, hoping for coverage of multiple common serious illnesses with premiums under 5,000 yuan per year. Specifically, product interest information can be obtained from the target audience's browsing and favorites records.

[0018] User health information encompasses the target individual's health status, past medical history, family medical history, and medical examination reports. This information is crucial for assessing the target individual's risk level and directly impacts the pricing and coverage of insurance products. For example, individuals with a history of hypertension may need to pay higher premiums or face certain coverage limitations when purchasing health insurance.

[0019] Understandably, comprehensively acquiring user information, health information, and product interest information of the target audience can provide a strong basis for subsequently building personalized virtual health service scenarios and intuitively and accurately displaying health insurance products within these scenarios, as well as for precisely recommending insurance products, thereby improving the target audience's acceptance and satisfaction with insurance products.

[0020] S20: Obtain product information for the product of interest based on product interest information; wherein, product information includes product introduction information, claims case data and related medical and elderly care service information of the product of interest, and related medical and elderly care services are provided by the product of interest; Specifically, based on the product interest information, the health insurance products most favored by the target audience are selected as "products of interest." Relevant product information is then obtained from the insurance company's database, internal systems, or information sharing with relevant partners. This facilitates subsequent presentation in a virtual environment, allowing the target audience to fully understand the details of the products of interest, including coverage, actual claims results, and additional services, thus improving the intuitiveness and accuracy of the health insurance product presentation. The product information includes: Pay attention to the product description information, which provides a detailed explanation of the product, including insurance liabilities, coverage scope, exclusions, insurance period, and payment methods. For example, a critical illness insurance product description will clearly state how many critical illnesses are covered and the conditions for payment for each illness.

[0021] Focus on the product's claims data. Claims data records past claims of customers who purchased this health insurance product, including the claim amount, claim time, reason for claim, and payment process. For example, showcasing a case of a customer receiving 500,000 yuan in compensation for cancer allows the target audience to understand the actual effectiveness of insurance payouts.

[0022] Information on related medical and elderly care services is provided by the product being promoted. These related services include, but are not limited to, health management services (regular checkups, health consultations, etc.), expedited medical access, and senior living communities. The information on these related services is detailed, covering health management (such as the frequency and timing of regular checkups and health consultations), medical assistance (such as appointments with specialists and the conditions and rules for using expedited access), and senior living security (such as eligibility for senior living community residency and the nursing services provided).

[0023] S30: Construct virtual health service scenarios based on user information and user health information; It's important to understand that "scene construction" here refers to creating virtual scenes that meet the needs of the target audience using technologies such as virtual reality (VR), augmented reality (AR), or 3D modeling, based on user information and health information. For example, creating virtual elderly care and health management scenes for elderly people with a history of arthritis, and generating virtual physical examination and health management scenes for users with hypertension.

[0024] Among them, such as Figure 3As shown, step S30, which involves constructing a virtual health service scenario based on user information and user health information, includes the following steps: S31: Determine disease scenario parameters based on user information and user health information; S32: Obtain the environmental parameters of the target object's environment; among which, the environmental parameters include time parameters; S33: Based on time parameters and disease scenario parameters, construct a scenario to obtain a virtual health service scenario.

[0025] For steps S31 to S33, firstly, disease scenario parameters are determined based on user information and user health information to accurately match the target audience's health status. Next, environmental parameters of the target audience's environment are obtained; these environmental parameters include time parameters, ensuring that scenario construction considers realistic factors. Finally, based on the time parameters and disease scenario parameters, a scenario is constructed to provide the target audience with a more realistic, accurate, effective, and personalized virtual health service scenario. This helps improve service quality and user experience, as well as enhance the intuitiveness and accuracy of health insurance product presentation.

[0026] Specifically, through a comprehensive evaluation of user information and user health information, the system assesses the presence or potential of specific diseases in the target population, identifies key factors related to these diseases, and transforms them into specific disease scenario parameters. These disease scenario parameters describe the contexts related to the occurrence and development of a specific disease. For example, for heart disease, disease scenario parameters might include possible symptoms (such as chest pain and palpitations), triggering factors (such as strenuous exercise and emotional excitement), and treatment scenarios (such as hospitals).

[0027] Next, environmental parameters of the target object's environment can be obtained in various ways. For example, smart devices (such as wristbands, watches, and mobile phones) can be used to collect real-time data on current time parameters (such as sleep time and activity time), geographical location, and local climate conditions. Specifically, environmental parameters refer to various factors and indicators of the target object's environment. These include time parameters, which indicate a specific point in time (such as a certain time of day or a certain season of the year). It's understandable that, to enhance the realism and immersion of virtual scenes, setting parameters such as lighting in the virtual scene in conjunction with time parameters can match the target object's current time, providing an immersive experience.

[0028] In addition to time parameters, it may also include geographical location (such as the user's city or region) and climate conditions (such as temperature, humidity, air quality, etc.) to further enhance the realism and immersion of the virtual scene.

[0029] Finally, computer modeling techniques (such as virtual reality (VR), augmented reality (AR), and 3D modeling) are used to organically combine and simulate time parameters and disease scenario parameters to obtain virtual health service scenarios. For example, based on the determined disease scenario parameters of heart disease (such as symptoms (e.g., chest pain, palpitations), triggering factors (e.g., strenuous exercise, emotional excitement), and treatment scenario (e.g., hospital)) and time parameters (e.g., afternoon), a virtual health service scenario is constructed: a 55-year-old user with potential heart disease risk experiences symptoms such as chest pain and palpitations after strenuous exercise, simulating the user's possible physical reactions and required medical assistance under these circumstances.

[0030] Understandably, in the health insurance context, target individuals can gain a clearer understanding of their health risks and coverage needs through intuitive virtual health service scenarios, thereby enhancing their health awareness and insurance understanding. For example, seeing the potentially high medical costs associated with heart disease in a virtual health service scenario might make them more willing to purchase suitable health insurance products. For insurance companies, virtual health service scenarios can provide strong support for the promotion and sales of health insurance products. By demonstrating the insurance coverage effects in different scenarios, they can increase target individuals' trust in insurance products and their willingness to purchase. Simultaneously, it also helps insurance companies optimize customer service processes, providing more precise and personalized health management and insurance services to target individuals.

[0031] S40: Receive touch commands from the target object in the virtual health service scenario, and display the product in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of product introduction information, claims case data and medical and elderly care service information.

[0032] It's important to understand that touch commands here refer to instructions issued by the target user within a virtual health service scenario, using gestures, voice commands, or other methods, to select desired information or perform other interactive operations. For example, clicking the "Product Introduction" button in a virtual environment is a touch command.

[0033] In this application's solution, the server receives touch commands from the target user in real time and extracts relevant candidate display information from pre-prepared information based on the commands, presenting it within the virtual health service scenario. For example, after the target user clicks the "Product Introduction" option, the system immediately displays detailed descriptions of the products they are interested in. This enables interaction between the target user and the virtual health service scenario, allowing the target user to independently select and view information according to their needs, improving the efficiency and relevance of information acquisition, enhancing the target user's sense of participation and experience, and further increasing their awareness and willingness to purchase health insurance products. For instance, the target user can flexibly view relevant content based on their level of interest in different information, better understanding whether the product meets their needs.

[0034] It should be noted that touch commands include, but are not limited to, claims simulation commands, medical and elderly care service introduction commands, product introduction commands, and product adjustment commands, and the target object can only generate one command at a time.

[0035] The claims simulation command is an instruction issued by the target user in a virtual health service scenario to trigger a claims-related simulation operation. For example, the target user issues this command by clicking the "claims simulation" button on the virtual scenario interface.

[0036] A medical and elderly care service introduction command is a command issued by a target user in a virtual health service scenario to trigger an introduction to specific medical and elderly care services offered by a product of interest. For example, if a target user clicks the "Medical and Elderly Care Service Details" button on the virtual scenario interface, the command triggered by this action is a medical and elderly care service introduction command.

[0037] In a virtual health service scenario, a product introduction command is an instruction issued by the target audience to trigger the introduction of information related to products they are interested in. For example, it might be an instruction issued when the target audience explicitly wants to learn more about health insurance products.

[0038] In a virtual health service scenario, a product adjustment instruction is a command issued by a target user to modify certain aspects of a product of interest (such as premiums or coverage). For example, when reviewing a critical illness insurance product, a target user might feel that the number of covered diseases is insufficient and issue a product adjustment instruction through a specific action (such as clicking the "Adjust Coverage" button).

[0039] Among them, such as Figure 4 As shown, step S40, which involves displaying the candidate display information in the virtual health service scenario based on touch commands, may include the following steps: S411: If the touch command is a claims calculation command, a health prediction is made based on the user's health information to obtain the user's predicted health risk; S412: Based on user health prediction risk, filter matching case data from claims case data; S413: Obtain graphical information of the claims process for matching case data; S414: Introduce the claims process in a virtual health service scenario based on the claims process flowchart.

[0040] For steps S411 to S414, when the touch command is a claims simulation command, a health prediction is first performed based on the user's health information to obtain the user's predicted health risks and accurately locate potential health problems. Next, matching case data is filtered from the claims case data based on the user's predicted health risks, making the claims cases more targeted and referential. Then, the claims process flowchart information of the matching case data is obtained to present the key content of the claims in an intuitive way. Finally, based on the claims process flowchart information, the claims process is introduced in a virtual health service scenario, allowing the target audience to fully understand the claims process, eliminate concerns, enhance trust in health insurance products, and increase purchase intention.

[0041] Specifically, after receiving a claims calculation instruction, the server invokes a pre-set health prediction model to analyze and calculate the user's health information, resulting in a predicted health risk for the target individual. This predicted health risk characterizes the target individual's potential future health risks and the probability of an insured event. For example, it might predict a 30% risk of the target individual developing cardiovascular disease within the next 5 years. By understanding the target individual's potential health risks in advance, a basis is provided for subsequently screening and matching claims cases. This allows the target individual to more intuitively understand the connection between their health status and insurance claims, enhancing their awareness of the need for insurance products. For instance, when a target individual learns they have a higher risk of developing a certain disease, they will pay more attention to the coverage of related insurance products.

[0042] Next, the server compares and analyzes the user's predicted health risks with information such as disease types and risk levels in the claims data, identifying cases that meet certain similarity criteria as matching case data. This matching case data is selected from the claims data that are similar to the target user's potential future insured events. For example, if the target user predicts a risk of developing lung cancer, the matching cases would be the claims data of other customers who have had lung cancer. By allowing the target user to see similar real-life cases, they can better understand the claims situation and protection effectiveness of insurance products in the face of potential risks, increasing their trust in the insurance products. For instance, if the target user sees customers with similar health risks receiving high payouts, they will be more willing to purchase that insurance product.

[0043] After obtaining matching cases, to present the claims process to the target audience in a more intuitive and understandable way within a virtual scenario, corresponding graphic and textual information is typically pre-generated. This is the claims process flowchart, which combines images and text to describe in detail the entire claims process, from reporting the incident, submitting materials, review, to claim payment. For example, a flowchart can be used to illustrate the claims steps, accompanied by textual explanations of the specific requirements and precautions for each step. Therefore, the claims process flowchart corresponding to the matching case data can be directly retrieved from pre-set storage space and displayed to the target audience in a virtual health service scenario, along with a detailed explanation of the claims process. For example, an animation of the claims process can be played in the virtual scenario, allowing the target audience to gain a deeper understanding of the claims process and enhancing their confidence in and willingness to purchase insurance products.

[0044] Understandably, presenting information in a virtual setting is not limited by time and space, making it convenient for the target audience to learn and understand at any time. For example, the target audience can repeatedly watch the claims process introduction in a virtual setting at home until they understand the complete process.

[0045] Among them, such as Figure 5 As shown, step S40, which involves displaying the candidate display information in the virtual health service scenario based on touch commands, includes the following steps: S421: If the touch command is a medical and elderly care service introduction command, obtain the medical and elderly care scenario architecture data and medical and elderly care service introduction data related to the medical and elderly care service based on the medical and elderly care service information; S422: Based on the medical and elderly care scenario architecture data, a scenario is created in the virtual health service scenario to obtain a virtual medical and elderly care scenario with related medical and elderly care services; S423: Introduce medical and elderly care services in a virtual medical and elderly care scenario based on the data on medical and elderly care service introduction.

[0046] For steps S421 to S423, when the touch command is a medical and elderly care service introduction command, firstly, based on the medical and elderly care service information, the medical and elderly care scenario architecture data and medical and elderly care service introduction data of related medical and elderly care services are obtained to accurately locate the content to be displayed. Next, based on the medical and elderly care scenario architecture data, a scenario is created in a virtual health service scenario to obtain a virtual medical and elderly care scenario of related medical and elderly care services, giving the target audience an intuitive scenario experience and enhancing their sense of immersion. Finally, based on the medical and elderly care service introduction data, the medical and elderly care services are introduced in the virtual medical and elderly care scenario, providing the target audience with a comprehensive and vivid display of medical and elderly care services. This allows the target audience to clearly understand the linkage between the product they are interested in and related medical and elderly care services, enhancing their awareness and interest in the comprehensive value of the insurance product.

[0047] Specifically, after receiving the instruction to introduce medical and elderly care services, the server extracts relevant medical and elderly care service scenario architecture data and service description data from a pre-stored medical and elderly care service information database. This lays the foundation for creating realistic virtual medical and elderly care scenarios and providing detailed introductions to the services, ensuring that the target audience receives comprehensive and accurate information and improving their understanding of related medical and elderly care services. For example, when showcasing high-end health insurance products, by obtaining detailed medical and elderly care scenario architecture data, a fully equipped and aesthetically pleasing virtual elderly care community can be constructed to attract the attention of the target audience.

[0048] It's important to note that the medical and elderly care scenario architecture data serves as the foundation for constructing virtual medical and elderly care scenarios. This includes the scenario layout, facility distribution, and environmental settings. For example, constructing a virtual elderly care community scenario might involve the division of different functional areas within the community (such as residential areas, dining areas, and activity areas), as well as the exterior and internal structure of buildings. The medical and elderly care service description data provides detailed explanations of the specific content, processes, and advantages of related medical and elderly care services. For instance, for regular physical examination services, the description data would include the examination items, frequency, and methods for interpreting the reports.

[0049] Furthermore, by utilizing technologies such as virtual reality (VR) and 3D modeling, and based on the architecture data of the medical and elderly care scenario, specific virtual medical and elderly care scenarios can be constructed within the virtual health service scenario. For example, using 3D modeling software, models of various buildings in a virtual elderly care community can be created based on the building exterior and internal structure information in the architecture data, and their positions and interrelationships can be set. This is equivalent to constructing a virtual medical and elderly care scenario and then switching from the virtual health service scenario to the virtual medical and elderly care scenario.

[0050] Understandably, in order to introduce the specific content, process, advantages, and other information of related medical and elderly care services to the target audience in a more intuitive and easy-to-understand way in a virtual setting, corresponding graphic information or introductory audio is usually prepared in advance.

[0051] After constructing a virtual healthcare and elderly care scenario, relevant information about these services is presented to the target audience in text, images, and / or audio format, based on data provided in the virtual scenario. For example, in a virtual senior living community scenario, information display points are set up; as the target audience approaches, the healthcare and elderly care services in that area are introduced through screen displays or audio playback. This allows the target audience to gain a comprehensive and in-depth understanding of the details of related healthcare and elderly care services within the virtual scenario, resolving their questions, increasing their interest and acceptance of these services, and ultimately increasing their willingness to purchase health insurance products. For instance, through detailed introductions to healthcare and elderly care services, the target audience learns that a certain health insurance product offers highly professional and considerate rehabilitation and nursing services, making them more willing to purchase that product.

[0052] Among them, such as Figure 6 As shown, step S40, which involves displaying the candidate display information in the virtual health service scenario based on touch commands, includes the following steps: S431: If the touch command is a product introduction command, obtain the product image and text information of the product you are interested in based on the product introduction information; S432: Introduce products in virtual health service scenarios based on product images and text information.

[0053] For steps S431 to S432, when the touch command is a product introduction command, the product's graphic and textual information is obtained based on the product introduction information, which can quickly convey key content. Then, based on the product's graphic and textual information, the product is introduced in a virtual health service scenario, allowing the target audience to have a clearer and more comprehensive understanding of the product, enhancing their awareness and interest in the product, and increasing their willingness to purchase.

[0054] It's important to note that, in order to introduce products of interest to the target audience in a more intuitive and easily understandable way within a virtual setting, corresponding graphic and textual information is usually prepared in advance. This refers to product graphic and textual information, which presents product introduction content in a combination of images and text. Images can be promotional posters for the product, illustrations of coverage details, etc., while text provides detailed explanations and supplementary information to the images. For example, when showcasing a healthcare and insurance product, images can be used to illustrate the medical reimbursement process, accompanied by detailed textual explanations.

[0055] Therefore, product images and text information of products of interest can be directly retrieved from the preset storage space and displayed to the target audience in a virtual health service scenario, along with a detailed product introduction. For example, displaying product images and text information of medical and health insurance products in a simulated hospital setting allows the target audience to more intuitively understand the close connection between medical and health insurance products and medical services, thus making them more willing to purchase the product.

[0056] Among them, such as Figure 7 As shown, step S40, which involves displaying the candidate display information in the virtual health service scenario based on touch commands, includes the following steps: S441: If the touch command is a product adjustment command, parse the product adjustment command to obtain the product adjustment parameters; S442: Adjust product information for products of interest based on product adjustment parameters; S443: Based on the adjusted focus products, product display is conducted in a virtual health service scenario.

[0057] For steps S441 to S443, when the touch command is a product adjustment command, the command is first parsed to obtain product adjustment parameters, accurately grasping the target audience's specific modification needs for the product they are interested in. Next, based on these parameters, the product information is adjusted to better suit the target audience's personalized expectations. Finally, the adjusted product is displayed in a virtual health service scenario, allowing the target audience to intuitively experience the changes, enhancing interactivity between the target audience and the product, meeting diverse user needs, and increasing their satisfaction and purchase intention.

[0058] After receiving a product adjustment instruction, the server parses the instruction, extracts key information, and converts it into actionable adjustment parameters. For example, if the system recognizes that the target user clicked the "Increase Coverage" button on the touchscreen and entered the value "800,000," the system can parse the data to obtain the parameter that the coverage amount will be adjusted to 800,000 yuan.

[0059] It should be noted that product adjustment parameters are numerical values ​​or indicators used to specify the specific content and extent of product adjustments. For example, if adjusting the types of diseases covered by critical illness insurance, the product adjustment parameters could be the specific names of the added diseases or the number of added diseases; if adjusting the premium, the parameters could be the amount or percentage of the increase or decrease in the premium; if adjusting related medical and elderly care services, the parameters could be the addition or reduction of the items in the related medical and elderly care services.

[0060] After clarifying the product adjustment parameters, the relevant product information for the products of interest is modified and updated based on these parameters. For example, if the product adjustment parameter is to increase the sum insured to 800,000 yuan, the server will modify the sum insured data in the product introduction information from the original value to 800,000 yuan, and adjust the premium and other information accordingly. If the product adjustment parameter is to add a certain disease, the server will add that disease to the disease range in the product introduction information, and adjust the premium and other information accordingly.

[0061] After adjusting the products of interest, the relevant information (such as product introductions, claims cases, and medical and elderly care services) will be presented to the target audience in a virtual health service scenario. This allows the target audience to intuitively see the effects of the adjusted products within the virtual environment, deepening their understanding and awareness of the products of interest, and helping to facilitate their purchase decision. For example, if the target audience sees in the virtual scenario that the adjusted product better meets their protection needs, they may decide to purchase the product on the spot.

[0062] In some embodiments, such as Figure 8As shown, after step S40, that is, after receiving the touch command from the target object in the virtual health service scenario and displaying the candidate display information in the virtual health service scenario based on the touch command, the method further includes the following steps: S50: Based on user information and user health information, product recommendations are made to obtain recommended insurance products; S60: Based on user information and user health information, suggestions are generated to obtain target health suggestions; S70: Recommendations to target individuals in virtual health service scenarios based on recommended insurance products and target health advice.

[0063] For steps S50-S70, firstly, product recommendations are made based on user information and health information, accurately matching user needs and obtaining recommended insurance products that fit the actual situation of the target audience. Next, suggestions are generated based on user information and health information to obtain target health advice, providing targeted health guidance to the target audience. Finally, based on the recommended insurance products and target health advice, recommendations are made to the target audience in a virtual health service scenario, satisfying the user's insurance protection needs while providing health management assistance, improving user experience, and increasing user acceptance of health insurance products.

[0064] Understandably, the health insurance products that the target audience is interested in may not necessarily suit their actual needs. Therefore, it is necessary to analyze user information and health information, and match them with the terms, coverage, and rates of the health insurance products offered by insurance companies to identify the product that best meets the target audience's needs—this is the recommended insurance product. It should be explained that the recommended insurance product is a health insurance product that has been screened and matches the target audience's current situation and potential needs.

[0065] For example, suppose a 35-year-old male user is a programmer who frequently works overtime and has a history of cervical spondylosis. Based on this information, the system analyzes that this user faces a high risk of cervical spondylosis recurrence and other health problems that may be caused by prolonged sitting. Therefore, it recommends a health insurance product that includes coverage for cervical spondylosis treatment, hospitalization allowance, and health management services. This product also has a relatively reasonable premium rate specifically designed for programmers.

[0066] Furthermore, a comprehensive analysis of the target audience's user information and health information is conducted to identify potential health risks and develop personalized recommendations covering aspects such as diet, exercise, sleep patterns, and regular checkups, resulting in targeted health advice. It's important to note that this targeted health advice is generated specifically for the target audience's individual circumstances and aims to help them improve their health and prevent disease. It provides users with professional health guidance, helping them develop healthy lifestyle habits, prevent disease, and reduce health risks. Simultaneously, it enhances users' awareness and management of their own health, improving their overall health level.

[0067] For example, for the aforementioned 35-year-old male programmer user, based on his history of cervical spondylosis and his frequent long hours of sitting, the generated health recommendations include: performing 5-10 minutes of neck stretching exercises every 1-2 hours of work; choosing an ergonomic office chair and computer stand to maintain correct posture; engaging in aerobic exercise at least 3 times a week, such as running or swimming, for at least 30 minutes each time; ensuring 7-8 hours of sufficient sleep every day; and undergoing a comprehensive physical examination once a year, with a focus on cervical spine and cardiovascular health.

[0068] After receiving recommended insurance products and target health advice, the recommended insurance products and target health advice are pushed to the target audience in a virtual health service scenario. After learning about the recommended insurance products, the target audience can further understand the product introduction, claims case data, and related medical and elderly care service information. The specific implementation method is basically the same as the implementation methods of steps S411 to S414, S421 to S423, S431 to S432, and S441 to S443 mentioned above, and will not be repeated here.

[0069] Understandably, providing targeted individuals with precise insurance product recommendations avoids blind selection and saves them time and energy. It also helps increase the likelihood of them purchasing suitable insurance products, enhancing their satisfaction and trust in insurance.

[0070] As can be seen, the above solution can be applied to health insurance product demonstration scenarios within the fintech field. It obtains user information, health information, and product interest information from the target audience. Based on the product interest information, it retrieves product information for the targeted products, including product introductions, claims data, and related medical and elderly care service information. These related medical and elderly care services are provided in conjunction with the targeted products, enabling the target audience to gain a comprehensive understanding of the health insurance product, including coverage, actual claims, and available supplementary medical and elderly care services. Next, a virtual health service scenario is constructed based on the user information and health information, creating a realistic and immersive experience environment that enhances user engagement. Finally, the system receives touch commands from the target user within the virtual health service scenario and displays candidate information based on these commands. The candidate information includes at least one of the following: product introduction, claims case data, and medical and elderly care service information. The target user is given the right to choose and can flexibly view the candidate information according to their own interests and concerns. This interactive display method solves the technical problem of customers not being able to intuitively and accurately understand insurance products, improves the intuitiveness and accuracy of health insurance product display, enhances user participation and experience, helps improve user awareness and acceptance of the product, and promotes the effective promotion and sales of health insurance products.

[0071] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application.

[0072] In one embodiment, a health insurance product display device is provided, which corresponds one-to-one with the health insurance product display method described in the above embodiments. For example... Figure 9 As shown, the health insurance product display device includes a user information acquisition module 101, a product information acquisition module 102, a virtual scene construction module 103, and a product display module 104. Detailed descriptions of each functional module are as follows: User information acquisition module 101 is used to acquire user information, user health information, and product interest information of the target object; The product information acquisition module 102 is used to acquire product information of the products of interest based on the product interest information; wherein, the product information includes product introduction information of the products of interest, claims case data and medical and elderly care service information related to the medical and elderly care services, which are provided by the products of interest. Virtual scene construction module 103 is used to construct virtual health service scenarios based on user information and user health information; Product display module 104 is used to receive touch commands from the target object in the virtual health service scenario, and display the product in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of product introduction information, claims case data and medical and elderly care service information.

[0073] In one embodiment, the touch command includes a claims calculation command, and the product display module 104 is specifically used for: If the touch command is a claims calculation command, a health prediction is made based on the user's health information to obtain the user's predicted health risk. Matching case data is obtained by filtering claims case data based on user health prediction risk. Graphical and visual information on the claims process for obtaining matching case data; The claims process is explained in a virtual health service scenario using graphical and textual information.

[0074] In one embodiment, the touch command further includes a medical and elderly care service introduction command, and the product display module 104 is specifically used for: If the touch command is a medical and elderly care service introduction command, obtain the medical and elderly care scenario architecture data and medical and elderly care service introduction data related to the medical and elderly care service information; Based on the medical and elderly care scenario architecture data, a virtual medical and elderly care scenario is created in the virtual health service scenario to obtain a virtual medical and elderly care scenario with related medical and elderly care services. Introducing medical and elderly care services in a virtual medical and elderly care scenario based on data from the service introduction.

[0075] In one embodiment, the touch command includes a product introduction command, and the product display module 104 is specifically used for: If the touch command is a product introduction command, obtain the product image and text information of the product you are interested in based on the product introduction information; Product introductions are conducted within virtual health service scenarios, utilizing product images and text.

[0076] In one embodiment, the touch command includes a product adjustment command, and the product display module 104 is specifically used for: If the touch command is a product adjustment command, parse the product adjustment command to obtain the product adjustment parameters; Adjust product information for products of interest based on product adjustment parameters; Based on the adjusted focus products, the products are showcased in a virtual health service scenario.

[0077] In one embodiment, the health insurance product display device further includes: The product recommendation module 105 is used to recommend products based on user information and user health information, and to obtain recommended insurance products. The recommendation module 106 is used to generate suggestions based on user information and user health information to obtain target health suggestions. The target recommendation module 107 is used to recommend insurance products and target health suggestions to target individuals in a virtual health service scenario.

[0078] In one embodiment, the virtual scene construction module 103 is specifically used for: Disease scenario parameters are determined based on user information and user health information; Obtain the environmental parameters of the target object's environment; these environmental parameters include time parameters. Virtual health service scenarios are constructed based on time parameters and disease scenario parameters.

[0079] This application provides a health insurance product display device. It acquires user information, health information, and product interest information from the target audience. Based on the product interest information, it obtains product information for the targeted product, including product introduction, claims data, and related medical and elderly care service information. These related medical and elderly care services are provided in conjunction with the targeted product, enabling the target audience to gain a comprehensive understanding of the health insurance product, including coverage, actual claims, and available supplementary medical and elderly care services. Next, based on the user information and health information, a virtual health service scenario is constructed, creating a realistic and immersive experience environment that enhances user engagement. Finally, the system receives touch commands from the target user within the virtual health service scenario and displays candidate information based on these commands. The candidate information includes at least one of the following: product introduction, claims case data, and medical and elderly care service information. The target user is given the right to choose and can flexibly view the candidate information according to their own interests and concerns. This interactive display method solves the technical problem of customers not being able to intuitively and accurately understand insurance products, improves the intuitiveness and accuracy of health insurance product display, enhances user participation and experience, helps improve user awareness and acceptance of the product, and promotes the effective promotion and sales of health insurance products.

[0080] Specific limitations regarding the health insurance product display device can be found in the above-mentioned limitations on the health insurance product display method, and will not be repeated here. Each module in the aforementioned health insurance product display device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0081] Please see Figure 10 , Figure 10The hardware structure of a computer device according to another embodiment is illustrated. The computer device includes: The processor 1001 can be implemented using a general-purpose CPU (Central Processing Unit), microprocessor, application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of this application. The memory 1002 can be implemented as a read-only memory (ROM), static storage device, dynamic storage device, or random access memory (RAM). The memory 1002 can store the operating system and other applications. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in the memory 1002 and is called and executed by the processor 1001 to perform the health insurance product display method of the embodiments of this application, including: Obtain user information, user health information, and product interest information of the target audience; Product information for the products of interest is obtained based on product interest information. This product information includes product introductions, claims data, and related medical and elderly care service information, which are provided in conjunction with the products of interest. Virtual health service scenarios are built based on user information and user health information; The system receives touch commands from the target user in a virtual health service scenario and displays candidate display information in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of product introduction information, claims case data, and medical and elderly care service information.

[0082] Input / output interface 1003 is used to implement information input and output; The communication interface 1004 is used to enable communication and interaction between this device and other devices. Communication can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.). Bus 1005 transmits information between various components of the device (e.g., processor 1001, memory 1002, input / output interface 1003, and communication interface 1004); The processor 1001, memory 1002, input / output interface 1003 and communication interface 1004 are connected to each other within the device via bus 1005.

[0083] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, the computer program performing the following steps when executed by a processor: Obtain user information, user health information, and product interest information of the target audience; Product information for the products of interest is obtained based on product interest information. This product information includes product introductions, claims data, and related medical and elderly care service information, which are provided in conjunction with the products of interest. Virtual health service scenarios are built based on user information and user health information; The system receives touch commands from the target user in a virtual health service scenario and displays candidate display information in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of product introduction information, claims case data, and medical and elderly care service information.

[0084] It should be noted that the functions or steps that can be implemented by the computer-readable storage medium or computer device described above can be referred to the relevant descriptions on the server side and client side in the foregoing method embodiments. To avoid repetition, they will not be described one by one here.

[0085] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0086] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is used as an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0087] It should be noted that any AI models, software tools, or components not belonging to this company appearing in the embodiments of this application are merely illustrative examples and do not represent actual use. All user personal information involved in the embodiments of this application has been authorized (with the knowledge and consent) by the relevant parties or has been fully authorized by all parties, and the executing entity may obtain it through various legal and compliant means. The collection, storage, use, processing, transmission, provision, and disclosure of the information, data, and signals involved all comply with relevant laws and regulations and do not violate public order and good morals.

[0088] The above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. A method for displaying health insurance products, characterized in that, include: Obtain user information, user health information, and product interest information of the target audience; Based on the product attention information, obtain product information of the products of interest; wherein, the product information includes product introduction information, claims case data and related medical and elderly care service information of the products of interest, and the related medical and elderly care services are provided in conjunction with the products of interest; A virtual health service scenario is constructed based on the user information and the user health information; The system receives touch commands from the target object in the virtual health service scenario and displays candidate display information in the virtual health service scenario based on the touch commands; wherein the candidate display information is at least one of the product introduction information, the claims case data, and the medical and elderly care service information.

2. The method for displaying health insurance products as described in claim 1, characterized in that, The touch commands include claims calculation commands; the step of displaying candidate information in the virtual health service scenario based on the touch commands includes: If the touch command is the claims calculation command, a health prediction is made based on the user's health information to obtain the user's predicted health risk. Matching case data is obtained by filtering the claims case data based on the user's health prediction risk. Obtain the claims process flowchart information of the matched case data; The claims process is explained in the virtual health service scenario based on the aforementioned claims process flowchart.

3. The method for displaying health insurance products as described in claim 2, characterized in that, The touch commands also include commands to introduce medical and elderly care services; the step of displaying candidate information in the virtual health service scenario based on the touch commands includes: If the touch command is the medical and elderly care service introduction command, obtain the medical and elderly care scenario architecture data and medical and elderly care service introduction data of the associated medical and elderly care services based on the medical and elderly care service information; Based on the medical and elderly care scenario architecture data, a scenario is created in the virtual health service scenario to obtain the virtual medical and elderly care scenario of the associated medical and elderly care service. Based on the data describing the medical and elderly care services, the services are introduced in the virtual medical and elderly care scenario.

4. The method for displaying health insurance products as described in claim 2, characterized in that, The touch commands include product introduction commands; the step of displaying candidate display information in the virtual health service scenario based on the touch commands includes: If the touch command is the product introduction command, obtain the product image and text information of the product of interest based on the product introduction information; The product is introduced in the virtual health service scenario based on the product's graphic and textual information.

5. The method for displaying health insurance products as described in claim 2, characterized in that, The touch commands include product adjustment commands; the step of displaying product information based on the touch commands in the virtual health service scenario includes: If the touch command is the product adjustment command, the product adjustment command is parsed to obtain the product adjustment parameters; The product information of the products of interest is adjusted based on the product adjustment parameters. Based on the adjusted focus products, the products are displayed in the virtual health service scenario.

6. The method for displaying health insurance products as described in any one of claims 1 to 5, characterized in that, After receiving the touch command from the target object in the virtual health service scenario, and displaying the candidate display information as a product in the virtual health service scenario based on the touch command, the method further includes: Based on the user information and the user's health information, product recommendations are made to obtain recommended insurance products; Based on the user information and the user health information, suggestions are generated to obtain target health suggestions; Based on the recommended insurance products and the target health recommendations, recommendations are made to the target individuals in the virtual health service scenario.

7. The method for displaying health insurance products as described in any one of claims 1-5, characterized in that, The construction of a virtual health service scenario based on the user information and the user health information includes: Disease scenario parameters are determined based on the user information and the user health information; Obtain environmental parameters of the environment in which the target object is located; wherein, the environmental parameters include time parameters; The virtual health service scenario is obtained by constructing a scenario based on the time parameters and the disease scenario parameters.

8. A health insurance product display device, characterized in that, include: The user information acquisition module is used to acquire user information, user health information, and product interest information of the target object. The product information acquisition module is used to acquire product information of the products of interest based on the product interest information; wherein, the product information includes product introduction information of the products of interest, claims case data and medical and elderly care service information related to the medical and elderly care services, and the related medical and elderly care services are provided in conjunction with the products of interest; A virtual scene construction module is used to construct a virtual health service scene based on the user information and the user health information; The product display module is used to receive touch commands from the target object in the virtual health service scenario, and display candidate display information in the virtual health service scenario based on the touch commands; wherein, the candidate display information is at least one of the product introduction information, the claims case data, and the medical and elderly care service information.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the steps of the health insurance product display method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the health insurance product display method as described in any one of claims 1 to 7.

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