Accident insurance loss assessment data processing method, server and computer-readable storage medium

Abstract

The embodiment of the present invention discloses a method for processing accident insurance loss assessment data, a server and a computer-readable storage medium, which involves the analysis of accident insurance loss assessment data, wherein the method includes: receiving an accident insurance claim request sent by an applicant terminal; judging whether the insurance accident corresponding to the accident insurance claim request is an accident according to the cause of the insurance accident in the claim request; if the insurance accident is an accident, obtaining the loss assessment information of the insurance accident from a third-party platform according to the accident insurance claim request; calculating the loss cost of the insurance accident according to the loss assessment information of the insurance accident, the terms of the insurance contract and the accident insurance loss assessment rules. Through the embodiment of the present application, the work efficiency of accident insurance claim loss assessment can be effectively improved, labor costs can be saved, loss assessment standards can be unified, and deviations caused by human subjective factors in the loss assessment process can be avoided.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a method, server and computer-readable storage medium for processing accident insurance loss assessment data. Background Art

[0002] In daily life, accidents are unpredictable, because some things can cause different degrees of damage to people's bodies. In order to compensate for the losses caused by accidental injuries, people will choose to buy accident insurance for themselves or their families. For accident insurance, users and insurance companies are more concerned about insurance claims. In the claims process, the more important link is the loss assessment.

[0003] However, in the traditional loss assessment process of accident insurance claims, it is generally handled manually by corresponding claims specialists according to the corresponding insurance claims terms or rules. The processing procedures are complicated and inefficient. In addition, different claims specialists have different understandings of the claims terms, which may cause inconsistent claims standards. It is difficult to avoid deviations in the loss assessment process caused by human subjective factors, which brings great inconvenience to users. Summary of the invention

[0004] The embodiment of the present invention provides a method for processing accident insurance loss assessment data, which can effectively improve the work efficiency of accident insurance claim loss assessment, save labor costs, unify loss assessment standards, and avoid deviations caused by human subjective factors.

[0005] In a first aspect, an embodiment of the present invention provides a method for processing accident insurance loss assessment data, the method comprising:

[0006] Receiving an accident insurance claim request sent by an applicant terminal, wherein the accident insurance claim request includes the identity information of the insured, the cause of the insurance accident, the location of the insurance accident, and the time of the insurance accident;

[0007] Determining whether the insurance accident corresponding to the accident insurance claim request is an accident according to the cause of the insurance accident;

[0008] If the insurance accident is an accident, then the insurance policy information of the accident insurance purchased by the insured is obtained from the database according to the identity information of the insured, and it is determined whether the time of occurrence of the insurance accident is within the insurance period included in the insurance policy information;

[0009] If the insurance accident occurs within the insurance period, the loss assessment information of the insurance accident is obtained from the third-party platform according to the accident insurance claim request, and the loss assessment information includes at least one of the following information: the insured's accident medical expense information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information;

[0010] The loss cost of the insurance accident is calculated based on the loss assessment information of the insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss assessment rules, and the accident insurance loss assessment rules include at least one of the following rules: calculating accidental medical expenses, calculating loss of work allowance expenses, calculating disability expenses, and calculating death expenses.

[0011] Optionally, after receiving the accident insurance claim request sent by the applicant terminal, the method further includes:

[0012] If it is determined that the insurance accident is not an accident based on the cause of the insurance accident, feedback information is sent to the applicant terminal, and the feedback information is used to remind the applicant that the insurance accident is not an accident.

[0013] Optionally, obtaining the loss assessment information of the insurance accident from a third-party platform according to the accident insurance claim request includes:

[0014] Determining the attributes of the insurance accident according to the cause of the insurance accident, the attributes of the insurance accident including ordinary accidental injury, accidental disability, and accidental death;

[0015] Determining the third-party platform for obtaining the insurance loss information according to the location of the insurance accident and the attributes of the insurance accident;

[0016] The loss assessment information of the insurance accident is obtained from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured.

[0017] Optionally, determining the third-party platform for acquiring the insurance loss information according to the location of the insurance accident and the attributes of the insurance accident includes:

[0018] In the case where the attribute of the insurance accident is ordinary accidental injury, the third-party platform is determined to be a medical institution platform in the area where the insurance accident occurs;

[0019] In the case where the attribute of the insurance accident is accidental disability, the third-party platform is determined to be a medical institution platform and / or a judicial appraisal institution platform in the area where the insurance accident occurs;

[0020] When the attribute of the insurance accident is accidental death, the third-party platform is determined to be a medical institution platform and / or a public security department platform and a trial institution platform in the area where the insurance accident occurs.

[0021] Optionally, obtaining the loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident, and the identity information of the insured includes:

[0022] In the case where the attribute of the insurance accident is ordinary accidental injury, the accidental medical expense information and hospitalization information of the insured are obtained from the medical institution platform according to the occurrence time of the insurance accident and the identity information of the insured;

[0023] In the case where the attribute of the insurance accident is accidental disability, the accidental medical expense information of the insured is obtained from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured, and the disability appraisal information of the insured is obtained from the medical institution platform or the judicial appraisal platform according to the time of occurrence of the insurance accident and the identity information of the insured;

[0024] In the case where the attribute of the insurance accident is accidental death, the accidental medical expense information of the insured is obtained from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured, and the death information of the insured is obtained from the medical institution platform, the public security department platform or the trial institution platform according to the time of occurrence of the insurance accident and the identity information of the insured.

[0025] Optionally, the calculation of the loss expense of the insurance accident according to the loss assessment information of the insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss assessment rules includes:

[0026] In the case where the attribute of the insurance accident is ordinary accidental injury, the accidental medical expenses are calculated according to the accidental medical expenses information of the insured and the terms of the insurance contract, and the work loss allowance is calculated according to the hospitalization information of the insured and the terms of the insurance contract;

[0027] In the case where the attribute of the insurance accident is accidental disability, the accidental medical expenses are calculated according to the accidental medical expense information of the insured and the terms of the insurance contract, and the accidental disability expenses are calculated according to the medical expenses and the disability assessment information of the insured and the terms of the insurance contract;

[0028] When the attribute of the insurance accident is accidental death, the accidental medical expenses are calculated based on the accidental medical expense information of the insured and the terms of the insurance contract, and the accidental death expenses are calculated based on the accidental medical expenses and the death information of the insured and the terms of the insurance contract.

[0029] Optionally, after obtaining the loss assessment information of the insurance accident from a third-party platform according to the accident insurance claim request, the method further includes:

[0030] Obtaining third-party expense information based on the identity information of the insured, wherein the third-party expense information is the compensation expense information for the insurance accident obtained by the insured from other institutions or platforms;

[0031] In the case where the attribute of the insurance accident is ordinary accidental injury, the calculation of the accidental medical expenses according to the accidental medical expense information of the insured and the terms of the insurance contract includes:

[0032] The accidental medical expenses are calculated based on the accidental medical expense information of the insured, the terms of the insurance contract and the third-party expense information.

[0033] In a second aspect, an embodiment of the present invention provides a server, the server comprising:

[0034] A receiving unit, configured to receive an accident insurance claim request sent by an applicant terminal, wherein the accident insurance claim request includes the identity information of the insured, the cause of the insurance accident, the location of the insurance accident, and the time of the insurance accident;

[0035] A first judgment unit is used to judge whether the insurance accident corresponding to the accident insurance claim request is an accident according to the cause of the insurance accident;

[0036] The first acquisition unit, if the insurance accident is an accident, acquires the insurance policy information of the accident insurance type purchased by the insured from the database according to the identity information of the insured;

[0037] The first judgment unit is used to judge whether the occurrence time of the insurance accident is within the insurance period included in the insurance policy information;

[0038] The first acquisition unit is used to obtain the loss assessment information of the insurance accident from the third-party platform according to the accident insurance claim request if the occurrence time of the insurance accident is within the insurance period, and the loss assessment information includes at least one of the following information: the insured's accident medical expense information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information;

[0039] A calculation unit is used to calculate the loss cost of the insurance accident based on the loss assessment information of the insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss assessment rules, wherein the accident insurance loss assessment rules include at least one of the following rules: calculating accidental medical expenses, calculating loss of work allowance expenses, calculating disability expenses, and calculating death expenses.

[0040] Optionally, the server further includes:

[0041] The feedback unit is used to send feedback information to the applicant terminal if it is determined that the insurance accident is not an accident based on the cause of the insurance accident, and the feedback information is used to prompt the applicant that the insurance accident is not an accident.

[0042] Optionally, the first acquiring unit includes:

[0043] The second judgment unit is used to judge the attribute of the insurance accident according to the cause of the insurance accident, and the attribute of the insurance accident includes ordinary accidental injury, accidental disability, and accidental death;

[0044] A first determining unit is used to determine the third-party platform for obtaining the insurance loss information according to the location of the insurance accident and the attributes of the insurance accident;

[0045] The first acquisition unit is used to acquire the loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured.

[0046] Optionally, the first determination unit is used to, when the attribute of the insurance accident is ordinary accidental injury, determine that the third-party platform is a medical institution platform in the area where the insurance accident occurs; when the attribute of the insurance accident is accidental disability, determine that the third-party platform is a medical institution platform and / or a judicial appraisal institution platform in the area where the insurance accident occurs; when the attribute of the insurance accident is accidental death, determine that the third-party platform is a medical institution platform and / or a public security department platform and a judicial institution platform in the area where the insurance accident occurs.

[0047] Optionally, the first acquisition unit is used to obtain the insured's accidental medical expense information and the insured's hospitalization information from the medical institution platform according to the time of occurrence of the insurance accident and the insured's identity information when the attribute of the insurance accident is ordinary accidental injury; when the attribute of the insurance accident is accidental disability, obtain the insured's accidental medical expense information from the medical institution platform according to the time of occurrence of the insurance accident and the insured's identity information, and obtain the insured's disability appraisal information from the medical institution platform or the judicial appraisal platform according to the time of occurrence of the insurance accident and the insured's identity information; when the attribute of the insurance accident is accidental death, obtain the insured's accidental medical expense information from the medical institution platform according to the time of occurrence of the insurance accident and the insured's identity information, and obtain the insured's death information from the medical institution platform, the public security department platform or the judicial institution platform according to the time of occurrence of the insurance accident and the insured's identity information.

[0048] Optionally, the calculation unit is used to calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract, and calculate the work loss allowance according to the hospitalization information of the insured and the terms of the insurance contract when the attribute of the insurance accident is ordinary accidental injury; calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract when the attribute of the insurance accident is accidental disability, and calculate the accidental disability expenses according to the medical expenses and the disability assessment information of the insured and the terms of the insurance contract; calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract when the attribute of the insurance accident is accidental death, and calculate the accidental death expenses according to the accidental medical expenses and the death information of the insured and the terms of the insurance contract.

[0049] Optionally, the server further includes:

[0050] A second acquisition unit is used to acquire third-party expense information according to the identity information of the insured, wherein the third-party expense information is compensation expense information for the insurance accident obtained by the insured from other institutions or platforms;

[0051] The calculation unit is used to calculate the accidental medical expenses according to the accidental medical expense information of the insured, the terms of the insurance contract and the third-party expense information when the attribute of the insurance accident is ordinary accidental injury.

[0052] In a third aspect, an embodiment of the present application provides another server, comprising a processor, a memory and a communication module, wherein the memory is used to store program code, and the processor is used to call the program code to execute the method of the above-mentioned first aspect and any optional method thereof.

[0053] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor executes the method of the above-mentioned first aspect and any optional method thereof.

[0054] The embodiment of the present application receives the accident insurance claim request sent by the applicant, and then after preliminarily determining that the insurance accident is an accident based on the cause of the insurance accident in the accident insurance claim request, obtains the loss assessment information of the insurance accident based on the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident in the above accident insurance claim request; finally, calculates the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident and the accident insurance loss assessment rules and insurance contract clauses. Through the embodiment of the present application, the work efficiency of accident insurance claim loss assessment can be effectively improved, labor costs can be saved, loss assessment standards can be unified, and deviations caused by human subjective factors in the loss assessment process can be avoided. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for describing the embodiments are briefly introduced below.

[0056] Figure 1 It is a schematic flow chart of a method for processing accident insurance loss assessment data provided by an embodiment of the present application;

[0057] Figure 2 It is a schematic flow chart of another accident insurance loss assessment data processing method provided in an embodiment of the present application;

[0058] Figure 3 is a schematic block diagram of a server provided in an embodiment of the present application;

[0059] Figure 4 is a schematic block diagram of a device provided in an embodiment of the present application;

[0060] Figure 5 It is a schematic diagram of a server structure provided in an embodiment of the present application. DETAILED DESCRIPTION

[0061] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0062] It should be understood that when used in this specification and the appended claims, the terms "include" and "comprises" indicate the presence of described features, integers, steps, operations, elements and / or components, but do not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or combinations thereof.

[0063] It should also be understood that the terms used in this specification of the present invention are only for the purpose of describing specific embodiments and are not intended to limit the present invention. As used in the specification of the present invention and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0064] It should be further understood that the term "and / or" used in the present description and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

[0065] As used in this specification and the appended claims, the term "if" may be interpreted as "when" or "upon" or "in response to determining" or "in response to detecting," depending on the context. Similarly, the phrases "if it is determined" or "if [described condition or event] is detected" may be interpreted as meaning "upon determination" or "in response to determining" or "upon detection of [described condition or event]" or "in response to detecting [described condition or event]," depending on the context.

[0066] Accident insurance refers to the act or contract in which the insurer promises to pay insurance money to the insured when the insured suffers bodily injury, disability or death due to a disaster accident within a specific range, in which the insured pays a certain amount of insurance premium.

[0067] The body here refers to the natural body of the insured, excluding artificial non-natural parts such as prostheses, dentures, and artificial eyes. The disaster accident that causes the insured's accidental injury here should have four major elements: external, sudden, unintentional, and non-disease.

[0068] Accidental injury in accidental injury insurance refers to the objective fact that the insured's body is obviously and severely damaged by a sudden external harmful object without the insured's foreseeing or against the insured's will. The sudden external harmful object referred to here should have four elements: external, sudden, unintentional and non-disease.

[0069] The so-called sudden injury refers to the injury caused by a violent and sudden attack on the human body. There is a direct and instantaneous relationship between the cause and result of the injury. For example, injuries and deaths caused by car crashes in traffic accidents and crushing by falling objects from the sky are sudden and instantaneous. Physical injuries caused by long-term work in certain environmental conditions are not accidental injuries. For example, occupational diseases caused by long-term work in harsh environments are different from sudden and accidental physical injuries. The former is not covered by injury insurance.

[0070] The so-called unintentional injury refers to the injury caused by force majeure that is not foreseeable and not intended by the parties. The injury that is the result of an accident but not the cause cannot be considered as accidental injury, such as physical injury caused by driving at a speed exceeding the speed limit on a highway. This kind of injury that is completely predictable and completely preventable does not belong to accidental injury.

[0071] The so-called non-disease insurance means that the damage is not caused by the insured's own physical factors or diseases. For example, pathological fractures caused by osteoporosis or fulminant hepatitis caused by hepatitis virus are both injuries caused by diseases.

[0072] See also Figure 1 , Figure 1 is a schematic flow chart of a method for processing accident insurance loss assessment data provided by an embodiment of the present application, such as Figure 1 As shown, the method may include:

[0073] 101: receiving an accident insurance claim request sent by an applicant, wherein the accident insurance claim request includes the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident.

[0074] In an embodiment of the present application, when the above-mentioned insured person suffers an accidental insurance accident (for example, accidental death, accidental disability, etc.), the applicant (which may be the insured person himself or the insured person's family or relatives) logs in to the website or App of the accident insurance claim platform through a wired or wireless terminal device, and fills in the insured person's identity information, the cause of the insurance accident (for example, a car accident while crossing the road resulting in death, etc.), the time of the insurance accident, the location of the insurance accident and other information, and then generates an accident insurance claim request based on this information, and sends the accident insurance claim request to the accident insurance claim platform for processing.

[0075] 102: Determine whether the insurance accident is an accident based on the cause of the insurance accident mentioned above.

[0076] In the embodiment of the present invention, after the accident insurance claim platform receives the above-mentioned accident insurance claim request, the above-mentioned accident insurance claim platform preliminarily determines whether the insurance accident is an accident based on the cause of the insurance accident in the above-mentioned accident insurance claim request; if the insurance accident is determined to be an accident based on the cause of the insurance accident, step 103 is executed; if the insurance accident is determined not to be an accident based on the cause of the insurance accident, feedback information is generated based on the cause of the insurance accident, and then the feedback information is sent to the above-mentioned applicant terminal to remind the applicant that the insurance accident is not an accident and therefore the accident insurance claim cannot be applied for.

[0077] 103: Obtaining the policy information of the accident insurance purchased by the insured from the database according to the identity information of the insured, and determining whether the occurrence time of the insurance accident is within the insurance period included in the policy information.

[0078] In the embodiment of the present application, when the accident insurance claim platform determines that the insurance accident is an accident, the insurance policy information of the accident insurance purchased by the insured is obtained from the database according to the identity information of the insured; and then it is determined whether the time of occurrence of the insurance accident is within the insurance period included in the insurance policy information. The insurance policy information may include the insurance contract terms of the accident insurance, the insurance period of the accident insurance, the insured amount of the accident insurance, the insurance liability of the accident insurance, and the information required for the corresponding insurance liability when applying for accident insurance claims.

[0079] 104: Obtain the loss assessment information of the above insurance accident from the third-party platform according to the above accident insurance claim request.

[0080] In an embodiment of the present application, the above-mentioned loss assessment information includes at least one of the following information: the insured's accidental medical expense information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information; wherein, the above-mentioned insured's accidental medical expense information refers to the medical expenses when the insured is injured due to an accident, which may include doctor's consultation fees, treatment fees, examination and testing fees, drug fees, bed fees, intensive care unit bed fees, nursing fees, examination and testing fees, treatment fees, surgery fees, ambulance usage fees, etc.; the above-mentioned insured's death information may include a death certificate and a household registration cancellation certificate.

[0081] In an embodiment of the present application, after the above-mentioned accident insurance claims platform accepts the above-mentioned accident insurance claims request and determines that the insurance accident is an accident based on the cause of the insurance accident, the above-mentioned accident insurance claims platform needs to obtain the accident insurance loss assessment information and verify the above-mentioned accident insurance loss assessment information so that the subsequent accident insurance claims platform can conduct loss assessment processing on the above-mentioned accident insurance accident based on the above-mentioned accident insurance loss assessment information.

[0082] Specifically, after the above-mentioned accident insurance claim is requested and the insurance accident is determined to be an accident based on the cause of the insurance accident, the above-mentioned accident insurance claim platform determines the attributes of the above-mentioned insurance accident based on the cause of the above-mentioned insurance accident; then the above-mentioned third-party platform for obtaining the above-mentioned loss assessment information is determined based on the location of the above-mentioned insurance accident and the attributes of the above-mentioned insurance accident; then, based on the attributes of the above-mentioned insurance accident, the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured, the above-mentioned loss assessment information of the insurance accident is obtained from the above-mentioned third-party platform. Among them, the attributes of the above-mentioned insurance accident include ordinary accidental injuries, accidental disabilities, and accidental deaths. Among them, the above-mentioned third-party platforms include but are not limited to medical institution platforms, other insurance companies, administrative service platforms, traffic management platforms, enterprise management platforms, social security departments, judicial institutions platforms, etc.

[0083] For example, obtaining the loss assessment information of the insurance accident may include: obtaining the query authority of the medical platform, and obtaining the medical history, diagnosis, surgery and other information of the insured from the medical platform database according to the identity information of the insured.

[0084] As an optional implementation, the above-mentioned determination of the third-party platform for obtaining the above-mentioned loss assessment information based on the location of the above-mentioned insurance accident and the attributes of the above-mentioned insurance accident may specifically include: when the attribute of the above-mentioned insurance accident is ordinary accidental injury, determining the above-mentioned third-party platform as a medical institution platform in the area where the above-mentioned insurance accident is located; when the attribute of the above-mentioned insurance accident is accidental disability, determining the above-mentioned third-party platform as a medical institution platform and / or a judicial appraisal institution platform in the area where the above-mentioned insurance accident is located; when the attribute of the above-mentioned insurance accident is accidental death, determining the above-mentioned third-party platform as a medical institution platform and / or a public security department platform and a judicial institution platform in the area where the above-mentioned insurance accident is located.

[0085] As an optional implementation, the above-mentioned obtaining the loss assessment information of the insurance accident from the above-mentioned third-party platform according to the attributes of the above-mentioned insurance accident, the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured may specifically include: when the attribute of the above-mentioned insurance accident is ordinary accidental injury, obtaining the accidental medical expense information of the above-mentioned insured and the hospitalization information of the above-mentioned insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured; when the attribute of the above-mentioned insurance accident is accidental disability, obtaining the accidental medical expense information of the insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured, and obtaining the disability appraisal information of the insured from the above-mentioned medical institution platform or the above-mentioned judicial appraisal platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured; when the attribute of the above-mentioned insurance accident is accidental death, obtaining the accidental medical expense information of the insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured, and obtaining the death information of the insured from the above-mentioned medical institution platform, the public security department platform or the above-mentioned judicial institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured.

[0086] For example, the location of the insurance accident is XX Street, K District, M City, the cause of the insurance accident is that the insured accidentally fell from the stairs and injured his leg, and the time of the insurance accident is xx / xx / xx-nn / nn / nn. The accident insurance claim platform determines that the attribute of the insurance accident is a common accident based on the cause of the insurance accident, and then determines that the third-party platform for obtaining the damage information is the First People's Hospital of K District, M City based on the attributes of the insurance accident and the location of the insurance accident. Then, the accident insurance claim platform obtains the query authority of the system management center of the First People's Hospital of K District, M City, and then obtains the medical expense information (doctor's consultation fees, treatment fees, examination and inspection fees, surgery fees, etc.) and hospitalization information (such as hospitalization days) of the insured from the system management center of the First People's Hospital during the period from xx / xx / xx / xx to nn / nn / nn based on the insured's identity information (such as ID number and name).

[0087] 105: Calculate the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident, the insurance contract terms included in the above policy information, and the accident insurance loss assessment rules.

[0088] The above accident insurance loss assessment rules include at least one of the following rules: calculation of accident medical expenses, calculation of work loss allowance expenses, calculation of disability expenses, and calculation of death expenses. It is understandable that different accident insurance types have different loss assessment rules, so the above loss assessment rules do not include all liability rules.

[0089] In an embodiment of the present application, after the above-mentioned accident insurance claims platform obtains the damage assessment information of the above-mentioned insurance accident, the accident insurance claims platform will conduct damage assessment processing on the above-mentioned fuse accident according to the damage assessment information of the above-mentioned insurance accident, the above-mentioned accident insurance damage assessment rules and the terms of the insurance contract.

[0090] Specifically, when the attribute of the above-mentioned insurance accident is ordinary accidental injury, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the work loss allowance is calculated according to the hospitalization information of the above-mentioned insured and the terms of the insurance contract; when the attribute of the above-mentioned insurance accident is accidental disability, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the accidental disability expenses are calculated according to the above-mentioned medical expenses and the disability assessment information of the above-mentioned insured and the terms of the insurance contract; when the attribute of the above-mentioned insurance accident is accidental death, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the accidental death expenses are calculated according to the above-mentioned accidental medical expenses and the death information of the above-mentioned insured and the terms of the insurance contract.

[0091] For example, when the attribute of the above-mentioned insurance accident is accidental disability, the accident insurance claims platform obtains the insured's accidental medical expenses information (doctor's consultation fees, treatment fees, examination and inspection fees, surgery fees, etc.) and the insured's disability assessment information (disability location, disability level, etc.), and obtains the insurance contract terms of the accident insurance purchased by the insured from the database. The accident insurance claims platform first calculates the insured's accidental medical expenses incurred by the insurance accident based on the insured's accidental medical expenses information, and then determines the basic disability insurance money that the insurance company needs to pay based on the insured's disability assessment information and the insurance contract terms. Finally, the basic disability insurance money minus the accidental medical expenses is used as the above-mentioned disability expenses.

[0092] Since the purpose of buying insurance is not to gain profits, but to compensate the insured for the losses caused by the insurance accident, if the insured has received corresponding compensation from other channels after the insurance accident, the insurance company should compensate the insured for the losses after deducting the compensation received from other channels. However, since human life is priceless, the insured is excluded from the disability and death caused by the insurance accident.

[0093] Therefore, as an optional implementation, when the attribute of the above-mentioned insurance accident is a common accident, after the accident insurance claim platform obtains the loss assessment information of the above-mentioned insurance accident according to the above-mentioned accident insurance claim request, the accident insurance claim platform can also obtain third-party expense information from other platforms (such as social medical insurance platforms, other insurance institutions or enterprises, etc.), and the third-party expense information is the compensation expense information for the above-mentioned insurance accident obtained by the insured from other institutions or platforms. Then, the accident medical expenses are calculated based on the above-mentioned insured's accident medical expense information, the insurance contract terms and the above-mentioned third-party expense information.

[0094] It can be seen that the embodiment of the present application receives the accident insurance claim request sent by the applicant, and then after preliminarily determining that the insurance accident is an accident based on the cause of the insurance accident in the accident insurance claim request, obtains the loss assessment information of the insurance accident based on the identity information of the insured, the cause of the insurance accident, the location of the above insurance accident and the time of the above insurance accident in the above accident insurance claim request; finally, calculates the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident and the accident insurance loss assessment rules and insurance contract clauses. Through the embodiment of the present application, the work efficiency of accident insurance claim loss assessment can be effectively improved, labor costs can be saved, loss assessment standards can be unified, and deviations caused by human subjective factors in the loss assessment process can be avoided.

[0095] See also Figure 2 , Figure 2 is a schematic flow chart of another method for processing accident insurance loss assessment data provided by an embodiment of the present application, such as Figure 2 As shown, the method may include:

[0096] 201: Receive the accident insurance claim request sent by the applicant.

[0097] Among them, the above-mentioned accident insurance claim request includes the identity information of the insured, the identity information of the beneficiary, the cause of the insurance accident, the location of the insurance accident and the time of occurrence of the insurance accident.

[0098] 202: Determine whether the insurance accident corresponding to the above accident insurance claim request is an accident based on the cause of the above insurance accident.

[0099] In the embodiment of the present application, if it is determined that the insurance accident corresponding to the above-mentioned accident insurance claim request is an accident, step 204 is executed; if it is determined that the insurance accident corresponding to the above-mentioned accident insurance claim request is not an accident, step 203 is executed.

[0100] 203: Send feedback information to the applicant's terminal, where the feedback information is used to remind the applicant that the insurance accident is not an accident.

[0101] 204: Obtaining the policy information of the accident insurance purchased by the insured from the database according to the identity information of the insured, and determining whether the occurrence time of the insurance accident is within the insurance period included in the policy information.

[0102] In an embodiment of the present application, if the accident insurance claims platform determines that the time of occurrence of the insurance accident is within the insurance period included in the policy information, step 205 is continued to be executed; if the accident insurance claims platform determines that the time of occurrence of the insurance accident is not within the insurance period included in the policy information, the process ends.

[0103] 205: Determine the attributes of the above insurance accidents based on the causes of the above insurance accidents. The attributes of the above insurance accidents include ordinary accidental injury, accidental disability, and accidental death.

[0104] 206: Determine the third-party platform for obtaining the above-mentioned loss assessment information according to the location of occurrence of the above-mentioned insurance accident and the attributes of the above-mentioned insurance accident.

[0105] In an embodiment of the present application, determining the third-party platform for obtaining the above-mentioned loss assessment information based on the location of the insurance accident and the attributes of the above-mentioned insurance accident may specifically include: when the attribute of the above-mentioned insurance accident is ordinary accidental injury, determining the above-mentioned third-party platform to be a medical institution platform in the area where the above-mentioned insurance accident is located; when the attribute of the above-mentioned insurance accident is accidental disability, determining the above-mentioned third-party platform to be a medical institution platform and / or a judicial appraisal institution platform in the area where the above-mentioned insurance accident is located; when the attribute of the above-mentioned insurance accident is accidental death, determining the above-mentioned third-party platform to be a medical institution platform and / or a public security department platform and a judicial institution platform in the area where the above-mentioned insurance accident is located.

[0106] 207: Obtaining loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured.

[0107] In an embodiment of the present application, the above-mentioned obtaining the loss assessment information of the insurance accident from the above-mentioned third-party platform according to the attributes of the above-mentioned insurance accident, the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured may specifically include: in the case where the attribute of the above-mentioned insurance accident is ordinary accidental injury, obtaining the accidental medical expense information of the above-mentioned insured and the hospitalization information of the above-mentioned insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured; in the case where the attribute of the above-mentioned insurance accident is accidental disability, obtaining the accidental medical expense information of the insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured, and obtaining the disability appraisal information of the insured from the above-mentioned medical institution platform or the above-mentioned judicial appraisal platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured; in the case where the attribute of the above-mentioned insurance accident is accidental death, obtaining the accidental medical expense information of the insured from the above-mentioned medical institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured, and obtaining the death information of the insured from the above-mentioned medical institution platform, the public security department platform or the above-mentioned judicial institution platform according to the time of occurrence of the above-mentioned insurance accident and the identity information of the above-mentioned insured.

[0108] 208: Calculate the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss assessment rules.

[0109] In an embodiment of the present application, when the attribute of the above-mentioned insurance accident is ordinary accidental injury, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the work loss allowance is calculated according to the hospitalization information of the above-mentioned insured and the terms of the insurance contract; when the attribute of the above-mentioned insurance accident is accidental disability, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the accidental disability expenses are calculated according to the above-mentioned medical expenses and the disability assessment information of the above-mentioned insured and the terms of the insurance contract; when the attribute of the above-mentioned insurance accident is accidental death, the accidental medical expenses are calculated according to the accidental medical expenses information of the above-mentioned insured and the terms of the insurance contract, and the accidental death expenses are calculated according to the above-mentioned accidental medical expenses and the death information of the above-mentioned insured and the terms of the insurance contract.

[0110] It can be seen that the embodiment of the present application receives the accident insurance claim request sent by the applicant, and then after preliminarily determining that the insurance accident is an accident based on the cause of the insurance accident in the accident insurance claim request, obtains the loss assessment information of the insurance accident based on the identity information of the insured, the cause of the insurance accident, the location of the above insurance accident and the time of the above insurance accident in the above accident insurance claim request; finally, calculates the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident and the accident insurance loss assessment rules and insurance contract clauses. Through the embodiment of the present application, the work efficiency of accident insurance claim loss assessment can be effectively improved, labor costs can be saved, loss assessment standards can be unified, and deviations caused by human subjective factors in the loss assessment process can be avoided.

[0111] The embodiment of the present invention further provides a server, which is used to execute a unit of any of the above methods. Figure 3 , is a schematic block diagram of a server provided by an embodiment of the present invention. The server of this embodiment includes: a receiving unit 310, a first judging unit 320, a first acquiring unit 330 and a calculating unit.

[0112] The receiving unit 310 is used to receive the accident insurance claim request sent by the applicant terminal, wherein the accident insurance claim request includes the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident;

[0113] The first judgment unit 320 is used to judge whether the insurance accident corresponding to the accident insurance claim request is an accident according to the cause of the insurance accident;

[0114] The first acquisition unit 330 acquires the policy information of the accident insurance purchased by the insured from the database according to the identity information of the insured if the insurance accident is an accident;

[0115] The first judgment unit is used to judge whether the occurrence time of the insurance accident is within the insurance period included in the insurance policy information;

[0116] The first acquisition unit is used to obtain the loss assessment information of the insurance accident according to the accident insurance claim request if the occurrence time of the insurance accident is within the insurance period, and the loss assessment information includes at least one of the following information: the insured's accident medical expense information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information;

[0117] The calculation unit 340 is used to calculate the loss cost of the above-mentioned insurance accident based on the loss assessment information of the above-mentioned insurance accident, the insurance contract terms included in the above-mentioned policy information, and the accident insurance loss assessment rules. The above-mentioned accident insurance loss assessment rules include at least one of the following rules: calculating accidental medical expenses, calculating loss of work allowance expenses, calculating disability expenses, and calculating death expenses.

[0118] Optionally, the server further includes:

[0119] The feedback unit 350 is used to send feedback information to the applicant terminal if it is determined that the insurance accident is not an accident based on the cause of the insurance accident. The feedback information is used to remind the applicant that the insurance accident is not an accident.

[0120] Optionally, the first obtaining unit includes:

[0121] The second judgment unit 331 is used to judge the attributes of the insurance accident according to the cause of the insurance accident, and the attributes of the insurance accident include ordinary accidental injury, accidental disability, and accidental death;

[0122] A first determining unit 332 is used to determine the third-party platform for obtaining the above-mentioned loss assessment information according to the location of the above-mentioned insurance accident and the attributes of the above-mentioned insurance accident;

[0123] The first acquisition unit 330 is used to acquire the loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured.

[0124] Optionally, the first determination unit 332 is used to determine that the third-party platform is a medical institution platform in the area where the insurance accident occurs when the attribute of the insurance accident is ordinary accidental injury; when the attribute of the insurance accident is accidental disability, determine that the third-party platform is a medical institution platform and / or a judicial appraisal institution platform in the area where the insurance accident occurs; when the attribute of the insurance accident is accidental death, determine that the third-party platform is a medical institution platform and / or a public security department platform and a trial institution platform in the area where the insurance accident occurs.

[0125] Optionally, the first acquisition unit 330 is used to obtain the accidental medical expense information and hospitalization information of the insured from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured when the attribute of the insurance accident is ordinary accidental injury; to obtain the accidental medical expense information of the insured from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured when the attribute of the insurance accident is accidental disability, and to obtain the disability appraisal information of the insured from the medical institution platform or the judicial appraisal platform according to the time of occurrence of the insurance accident and the identity information of the insured; and to obtain the accidental medical expense information of the insured from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured when the attribute of the insurance accident is accidental death, and to obtain the death information of the insured from the medical institution platform, the public security department platform or the judicial institution platform according to the time of occurrence of the insurance accident and the identity information of the insured.

[0126] Optionally, the calculation unit 340 is used to calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract when the attribute of the insurance accident is ordinary accidental injury, and calculate the work loss allowance according to the hospitalization information of the insured and the terms of the insurance contract; when the attribute of the insurance accident is accidental disability, calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract, and calculate the accidental disability expenses according to the medical expenses and the disability assessment information of the insured and the terms of the insurance contract; when the attribute of the insurance accident is accidental death, calculate the accidental medical expenses according to the accidental medical expenses information of the insured and the terms of the insurance contract, and calculate the accidental death expenses according to the accidental medical expenses and the death information of the insured and the terms of the insurance contract.

[0127] Optionally, the server further includes:

[0128] The second acquisition unit 360 is used to acquire third-party expense information according to the identity information of the insured, where the third-party expense information is the compensation expense information for the insurance accident acquired by the insured from other institutions or platforms;

[0129] The calculation unit 340 is used to calculate the accidental medical expenses according to the accidental medical expense information of the insured, the terms of the insurance contract and the third-party expense information when the attribute of the insurance accident is ordinary accidental injury.

[0130] It can be seen that the embodiment of the present application receives the accident insurance claim request sent by the applicant, and then after preliminarily determining that the insurance accident is an accident based on the cause of the insurance accident in the accident insurance claim request, obtains the loss assessment information of the insurance accident based on the identity information of the insured, the cause of the insurance accident, the location of the above insurance accident and the time of the above insurance accident in the above accident insurance claim request; finally, calculates the loss cost of the above insurance accident based on the loss assessment information of the above insurance accident and the accident insurance loss assessment rules and insurance contract clauses. Through the embodiment of the present application, the work efficiency of accident insurance claim loss assessment can be effectively improved, labor costs can be saved, loss assessment standards can be unified, and deviations caused by human subjective factors in the loss assessment process can be avoided.

[0131] See also Figure 4 , Figure 4 is a device provided in an embodiment of the present application, which may be a server, such as Figure 4 The device shown includes: one or more processors 401; one or more input devices 402, one or more output devices 403 and a memory 404. The processor 401, input device 402, output device 403 and memory 404 are connected via a bus 405. The memory 404 is used to store instructions, and the processor 401 is used to execute the instructions stored in the memory 404.

[0132] Wherein, when the device is used as a server, the processor 401 is used to: receive an accident insurance claim request sent by the applicant terminal, the accident insurance claim request including the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident; determine whether the insurance accident is an accident according to the cause of the insurance accident; if the insurance accident is an accident, obtain the policy information of the accident insurance type purchased by the insured from the database according to the identity information of the insured, and determine whether the time of occurrence of the insurance accident is within the insurance period included in the policy information; if the insurance accident If the time is within the above-mentioned insurance period, the loss assessment information of the above-mentioned insurance accident is obtained from the third-party platform according to the above-mentioned accident insurance claim request, and the above-mentioned loss assessment information includes at least one of the following information: the insured's accidental medical expenses information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information; the loss cost of the above-mentioned insurance accident is calculated according to the above-mentioned insurance accident loss assessment information, the insurance contract terms included in the above-mentioned policy information, and the accident insurance loss assessment rules, and the above-mentioned accident insurance loss assessment rules include at least one of the following rules: calculation of accidental medical expenses, calculation of loss of work allowance expenses, calculation of disability expenses, and calculation of death expenses.

[0133] It should be understood that in the embodiment of the present application, the processor 401 may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0134] The input device 402 may include a touch panel, a fingerprint sensor (for collecting the user's fingerprint information and fingerprint direction information), a microphone, etc., and the output device 403 may include a display (LCD, etc.), a speaker, etc.

[0135] The memory 404 may include a read-only memory and a random access memory, and provide instructions and data to the processor 401. A portion of the memory 404 may also include a non-volatile random access memory. For example, the memory 404 may also store information about the device type.

[0136] In a specific implementation, the processor 401, input device 402, and output device 403 described in the embodiments of the present application can execute the implementation method described in the first embodiment, the second embodiment, and the third embodiment of an accident insurance loss assessment data processing method provided in the embodiments of the present application, and can also execute the implementation method of the server described in the embodiments of the present application, which will not be repeated here.

[0137] In another embodiment of the present application, a computer-readable storage medium is provided, the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following is achieved: receiving an accident insurance claim request sent by an applicant terminal, the accident insurance claim request including the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident; judging whether the insurance accident is an accident based on the cause of the insurance accident; if the insurance accident is an accident, obtaining the policy information of the accident insurance type purchased by the insured from a database based on the identity information of the insured, judging whether the time of the insurance accident is included in the policy information within the insurance period included; if the time of occurrence of the above-mentioned insurance accident is within the above-mentioned insurance period, the loss assessment information of the above-mentioned insurance accident shall be obtained from the third-party platform according to the above-mentioned accident insurance claim request, and the above-mentioned loss assessment information shall include at least one of the following information: the insured's accidental medical expenses information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information; the loss cost of the above-mentioned insurance accident shall be calculated according to the above-mentioned insurance accident loss assessment information, the insurance contract terms included in the above-mentioned policy information, and the accident insurance loss assessment rules, and the above-mentioned accident insurance loss assessment rules shall include at least one of the following rules: calculation of accidental medical expenses, calculation of loss of work allowance expenses, calculation of disability expenses, and calculation of death expenses.

[0138] The computer-readable storage medium may be an internal storage unit of the terminal in any of the aforementioned embodiments, such as a hard disk or memory of the terminal. The computer-readable storage medium may also be an external storage device of the terminal, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (SecureDigital, SD) card, a flash card (Flash Card), etc. equipped on the terminal. Further, the computer-readable storage medium may also include both an internal storage unit of the terminal and an external storage device. The computer-readable storage medium is used to store the computer program and other programs and data required by the terminal. The computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.

[0139] Figure 5: is a schematic diagram of a server structure provided in an embodiment of the present application. The server 500 may have relatively large differences due to different configurations or performances, and may include one or more central processing units (CPU) 522 (for example, one or more processors) and a memory 532, and one or more storage media 530 (for example, one or more mass storage devices) storing application programs 542 or data 544. Among them, the memory 532 and the storage medium 530 can be short-term storage or permanent storage. The program stored in the storage medium 530 may include one or more modules (not shown in the figure), and each module may include a series of instruction operations on the server. Furthermore, the central processing unit 522 can be configured to communicate with the storage medium 530 to execute a series of instruction operations in the storage medium 530 on the server 500.

[0140] The server 500 may also include one or more power supplies 526, one or more wired or wireless network interfaces 550, one or more input and output interfaces 558, and / or one or more operating systems 541, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM, etc.

[0141] The steps performed by the server in the above embodiment can be based on the Figure 5 The server structure shown.

[0142] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0143] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described systems, servers, terminal devices and units can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0144] In the several embodiments provided in the present application, it should be understood that the disclosed systems, servers and methods can be implemented in other ways. For example, the device embodiments described above are merely schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or units, or it can be an electrical, mechanical or other form of connection.

[0145] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments of the present application.

[0146] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0147] If the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the above-mentioned methods of each embodiment of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0148] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A method for processing accident insurance loss assessment data, characterized in that: include: Receive an accident insurance claim request sent by an applicant terminal, the accident insurance claim request including the identity information of the insured, the cause of the insurance accident, the location of the insurance accident and the time of the insurance accident; the cause of the insurance accident is used to determine the attributes of the insurance accident, and the location of the insurance accident and the attributes of the insurance accident are used to determine a third-party platform for obtaining loss assessment information; Determining whether the insurance accident corresponding to the accident insurance claim request is an accident according to the cause of the insurance accident; If the insurance accident is an accident, then the insurance policy information of the accident insurance purchased by the insured is obtained from the database according to the identity information of the insured, and it is determined whether the time of occurrence of the insurance accident is within the insurance period included in the insurance policy information; If the time of occurrence of the insurance accident is within the insurance period, then the loss assessment information of the insurance accident is obtained from a third-party platform according to the accident insurance claim request, and the loss assessment information includes at least one of the following information: the insured's accidental medical expenses information, the insured's hospitalization information, the insured's disability assessment information, and the insured's death information; the loss assessment information of the insurance accident is obtained from a third-party platform according to the accident insurance claim request, including: judging the attributes of the insurance accident according to the cause of the insurance accident, and the attributes of the insurance accident include ordinary accidental injury, accidental disability, and accidental death; determining the third-party platform for obtaining the loss assessment information according to the location of the insurance accident and the attributes of the insurance accident; obtaining the loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured; The loss cost of the insurance accident is calculated based on the loss information of the insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss rules, wherein the accident insurance loss rules include at least one of the following rules: calculating accidental medical expenses, calculating work loss allowance expenses, calculating disability expenses, and calculating death expenses; the loss cost of the insurance accident is calculated based on the loss information of the insurance accident, the insurance contract terms included in the policy information, and the accident insurance loss rules, including: when the attribute of the insurance accident is ordinary accidental injury, calculating the accidental medical expenses based on the accidental medical expenses information of the insured and the insurance contract terms; The expenses are calculated based on the hospitalization information of the insured and the terms of the insurance contract; when the attribute of the insurance accident is accidental disability, the accidental medical expenses are calculated based on the accidental medical expense information of the insured and the terms of the insurance contract, and the accidental disability expenses are calculated based on the medical expenses and the insured's disability assessment information and the terms of the insurance contract; when the attribute of the insurance accident is accidental death, the accidental medical expenses are calculated based on the accidental medical expense information of the insured and the terms of the insurance contract, and the accidental death expenses are calculated based on the accidental medical expenses and the insured's death information and the terms of the insurance contract.

2. The method according to claim 1, characterized in that After receiving the accident insurance claim request sent by the applicant terminal, the method further includes: If it is determined that the insurance accident is not an accident based on the cause of the insurance accident, feedback information is sent to the applicant terminal, and the feedback information is used to remind the applicant that the insurance accident is not an accident.

3. The method according to claim 1, characterized in that The determining of the third-party platform for acquiring the insurance loss information according to the location of the insurance accident and the attributes of the insurance accident includes: In the case where the attribute of the insurance accident is ordinary accidental injury, the third-party platform is determined to be a medical institution platform in the area where the insurance accident occurs; In the case where the attribute of the insurance accident is accidental disability, the third-party platform is determined to be a medical institution platform and / or a judicial appraisal institution platform in the area where the insurance accident occurs; When the attribute of the insurance accident is accidental death, the third-party platform is determined to be a medical institution platform and / or a public security department platform and a trial institution platform in the area where the insurance accident occurs.

4. The method according to claim 3, characterized in that: The obtaining the loss assessment information of the insurance accident from the third-party platform according to the attributes of the insurance accident, the time of occurrence of the insurance accident, and the identity information of the insured includes: In the case where the attribute of the insurance accident is ordinary accidental injury, the accidental medical expense information and hospitalization information of the insured are obtained from the medical institution platform according to the occurrence time of the insurance accident and the identity information of the insured; In the case where the attribute of the insurance accident is accidental disability, the accidental medical expense information of the insured is obtained from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured, and the disability appraisal information of the insured is obtained from the medical institution platform or the judicial appraisal institution platform according to the time of occurrence of the insurance accident and the identity information of the insured; In the case where the attribute of the insurance accident is accidental death, the accidental medical expense information of the insured is obtained from the medical institution platform according to the time of occurrence of the insurance accident and the identity information of the insured, and the death information of the insured is obtained from the medical institution platform, the public security department platform or the trial institution platform according to the time of occurrence of the insurance accident and the identity information of the insured.

5. The method according to any one of claims 1 to 4, characterized in that: After obtaining the loss assessment information of the insurance accident from the third-party platform according to the accident insurance claim request, the method further includes: Obtaining third-party expense information based on the identity information of the insured, wherein the third-party expense information is the compensation expense information for the insurance accident obtained by the insured from other institutions or platforms; In the case where the attribute of the insurance accident is ordinary accidental injury, the calculation of the accidental medical expenses according to the accidental medical expense information of the insured and the terms of the insurance contract includes: The accidental medical expenses are calculated based on the accidental medical expense information of the insured, the terms of the insurance contract and the third-party expense information.

6. A server, characterized in that: The method comprises means for executing the method according to any one of claims 1 to 5.

7. A server, characterized in that: The server includes a processor, a memory and a communication module, wherein the memory is used to store program codes, and the processor is used to call the program codes to execute the method according to any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to perform the method according to any one of claims 1 to 5.

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