A method for processing accident insurance liability data, a server and a computer-readable medium

Abstract

The embodiment of the present application discloses a method for processing accident insurance liability data, a server and a computer-readable medium, which involves the analysis and processing of accident insurance liability data, wherein the method includes: 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; obtaining the liability information of the insurance accident according to 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; determining the insurance liability of the insurance accident corresponding to the accident insurance claim request according to the liability information of the insurance accident and the accident insurance liability rules. Through the embodiment of the present application, the work efficiency of accident insurance claim liability can be effectively improved, labor costs can be saved, liability standards can be unified, and deviations caused by human subjective factors in the liability verification process can be avoided.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to an accident insurance liability data processing method, server and computer-readable medium. Background Art

[0002] In daily life, accidents are unpredictable and can cause varying 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 most important link is liability verification.

[0003] However, in the traditional process of reviewing 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 review process caused by human subjective factors, which brings great inconvenience to users. Summary of the invention

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

[0005] In a first aspect, an embodiment of the present application provides a method for processing accident insurance liability 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] Determine a third-party platform for obtaining liability information based on the cause of the insurance accident and the location of the insurance accident, and obtain the liability information of the insurance accident from the third-party platform based on the cause of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured;

[0008] The insurance liability of the insurance accident corresponding to the accident insurance claim request is determined based on the liability verification information of the insurance accident and the accident insurance liability verification rules, and the accident insurance liability verification rules include at least one of the following rules: verifying whether the insured has died accidentally, verifying whether the insured has suffered accidental disability, and verifying whether the insured has suffered general accidental injury.

[0009] Optionally, after receiving the accident insurance claim request sent by the applicant terminal, the method further includes:

[0010] Determining whether the insurance accident corresponding to the accident insurance claim request is a sudden, unintentional and non-disease-related accident based on the cause of the insurance accident;

[0011] If the insurance accident is sudden, unintentional and not caused by illness, it is determined that the insurance accident corresponding to the accident insurance claim is an accident, triggering the operation of obtaining the liability information of the insurance accident based on the identity information of the insured, the location of the insurance accident and the time of the insurance accident;

[0012] If it is determined that the insurance accident corresponding to the accident insurance claim request is not an accident, feedback information is sent to the applicant terminal, and the feedback information is used to prompt the applicant that the insurance accident corresponding to the accident insurance claim request is not an accident.

[0013] Optionally, the third-party platform for obtaining liability information based on the cause of the insurance accident and the location of the insurance accident 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 liability information according to the location of the insurance accident and the attributes of the insurance accident;

[0016] The obtaining of the liability information of the insurance accident from the third-party platform according to the cause of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured includes:

[0017] The liability 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.

[0018] Optionally, obtaining the liability 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:

[0019] If the attribute of the insurance accident is common accidental injury, the first liability information is obtained from the medical institution platform where the insurance accident occurs according to the time of occurrence of the insurance accident and the identity information of the insured, and the first liability information includes the common accidental injury diagnosis and medical records of the insured;

[0020] If the attribute of the insurance accident is accidental disability, the second liability information is obtained from the medical institution platform where the insurance accident occurs according to the time of occurrence of the insurance accident and the identity information of the insured, and the second liability information includes the accidental disability diagnosis and medical records of the insured, and the disability appraisal certificate of the insured obtained from the medical institution platform or judicial institution platform where the insurance accident occurs;

[0021] If the attribute of the insurance accident is accidental death, the third-party liability information is obtained from the medical institution platform or judicial institution platform where the insurance accident occurred based on the time of occurrence of the insurance accident and the identity information of the insured. The third-party liability information includes the death certificate and cause of death of the insured.

[0022] Optionally, the determining the insurance liability of the insurance accident according to the liability verification information of the insurance accident and accident insurance liability verification rules includes:

[0023] If the attribute of the insurance accident is ordinary accidental injury, then verify whether the insured has suffered ordinary accidental injury based on the ordinary accidental injury diagnosis and medical records of the insured. If so, determine that the insurance liability of the insurance accident is medical insurance liability;

[0024] If the attribute of the insurance accident is accidental disability, verify whether the insured person suffers from accidental disability based on the accidental disability diagnosis, the medical records and the disability certificate. If so, determine that the insurance liability of the insurance accident is disability insurance liability;

[0025] If the attribute of the insurance accident is accidental death, then it is verified whether the insured died accidentally based on the death certificate and the cause of death. If so, it is determined that the insurance liability of the insurance accident is death insurance liability.

[0026] Optionally, after determining the insurance liability of the insurance accident according to the liability assessment information of the insurance accident and the accident insurance liability assessment rules, the method further includes:

[0027] Acquiring the insured's insurance information according to the insured's identity information, the insurance information including the insured's insurance type and the insurance period corresponding to each insurance type;

[0028] Obtain the insurance clause corresponding to each accident insurance type in the insurance information;

[0029] The first related insurance type that bears the insurance liability for the insurance accident is determined based on the insurance terms corresponding to each accident insurance type in the insurance information, the time of occurrence of the insurance accident, the cause of the insurance accident, and the insurance period corresponding to each insurance type. The first related insurance type is one or more accident insurance types in the insurance information.

[0030] Optionally, the related insurance types that are determined to bear the insurance liability for the insurance accident according to the insurance clauses corresponding to each accident insurance type in the related insurance types, the time of occurrence of the insurance accident, the cause of the insurance accident, and the insurance period corresponding to each insurance type include:

[0031] Determine a second relevant insurance type for which the insurance accident occurs within the insurance period, wherein the second relevant insurance type is one or more accident insurance types in the insurance information;

[0032] Determine a first related insurance type whose insurance terms match the cause of the insurance accident, wherein the first related insurance type is one or more accident insurance types among the second related insurance types.

[0033] In a second aspect, an embodiment of the present application 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 acquisition unit is used to determine a third-party platform for acquiring liability information according to the cause of the insurance accident and the location of the insurance accident, and to acquire the liability information of the insurance accident from the third-party platform according to the cause of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured;

[0036] A processing unit is used to determine the insurance liability of the insurance accident corresponding to the accident insurance claim request based on the liability information of the insurance accident and the accident insurance liability rules, and the accident insurance liability rules include at least one of the following rules: verifying whether the insured person dies accidentally, verifying whether the insured person suffers from accidental disability, and verifying whether the insured person suffers from general accidental injury.

[0037] Optionally, the server further includes:

[0038] A judgment unit, configured to judge whether the insurance accident corresponding to the accident insurance claim is a sudden, unintentional and non-disease accident according to the cause of the insurance accident;

[0039] The processing unit is configured to determine that the insurance accident is a sudden, unintentional and non-disease accident if the judgment unit determines that the insurance accident is a sudden, unintentional and non-disease accident, and to determine that the insurance accident corresponding to the accident insurance claim request is an accident, and to obtain the liability information of the insurance accident according to the identity information of the insured, the location of the insurance accident and the time of the insurance accident;

[0040] A feedback unit is used to send feedback information to the applicant terminal when the judgment unit determines that the insurance accident corresponding to the accident insurance claim request is not an accident, and the feedback information is used to prompt the applicant that the insurance accident corresponding to the accident insurance claim request is not an accident.

[0041] Optionally, the first acquiring unit includes:

[0042] A 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;

[0043] A second determining unit is used to determine the third-party platform for obtaining the liability information according to the location of the insurance accident and the attributes of the insurance accident;

[0044] The first acquisition unit is used to obtain the liability 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.

[0045] Optionally, the first acquisition unit is used to obtain first liability information from a medical institution platform where the insurance accident occurs, based on the time of occurrence of the insurance accident and the identity information of the insured, if the attribute of the insurance accident is ordinary accidental injury, the first liability information including the insured's ordinary accidental injury diagnosis and medical records; if the attribute of the insurance accident is accidental disability, the second liability information is obtained from a medical institution platform where the insurance accident occurs, based on the time of occurrence of the insurance accident and the identity information of the insured, the second liability information includes the insured's accidental disability diagnosis and medical records, and a disability appraisal certificate of the insured obtained from the medical institution platform or judicial institution platform where the insurance accident occurs; if the attribute of the insurance accident is accidental death, the third liability information is obtained from the medical institution platform or judicial institution platform where the insurance accident occurs, based on the time of occurrence of the insurance accident and the identity information of the insured, the third liability information includes the insured's death certificate and cause of death.

[0046] Optionally, the processing unit is used to verify whether the insured has suffered general accidental injury based on the insured's ordinary accidental injury diagnosis and medical records if the attribute of the insurance accident is ordinary accidental injury, and if so, determine that the insurance liability of the insurance accident is medical insurance liability; if the attribute of the insurance accident is accidental disability, verify whether the insured has suffered accidental disability based on the accidental disability diagnosis, medical records and disability certificate, and if so, determine that the insurance liability of the insurance accident is disability insurance liability; if the attribute of the insurance accident is accidental death, verify whether the insured has died accidentally based on the death certificate and the cause of death, and if so, determine that the insurance liability of the insurance accident is death insurance liability.

[0047] Optionally, the server further includes:

[0048] A second acquisition unit is used to acquire the insurance information of the insured according to the identity information of the insured, wherein the insurance information includes the insurance type of the insured and the insurance period corresponding to each insurance type;

[0049] The second acquisition unit is used to acquire the insurance clause corresponding to each accident insurance type in the insurance information;

[0050] The third determination unit is used to determine the first related insurance type that bears the insurance liability for the insurance accident based on the insurance terms corresponding to each accident insurance type in the insurance information, the time of occurrence of the insurance accident, the cause of the insurance accident and the insurance period corresponding to each insurance type. The first related insurance type is one or more accident insurance types in the insurance information.

[0051] Optionally, the third determination unit is used to determine a second relevant insurance type when the insurance accident occurs within the insurance period, and the second relevant insurance type is one or more accidental insurance types in the insurance information; and to determine a first relevant insurance type whose insurance terms match the cause of the insurance accident, and the first relevant insurance type is one or more accidental insurance types in the second relevant insurance type.

[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 insurance accident liability information based on the insured's identity information, 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; then determines the insurance liability of the insurance accident based on the insurance liability information of the insurance accident and the accident insurance liability rules; finally, automatically determines which insurance types of the insured can be applied for claims based on the insurance liability of the insurance accident, so as to avoid the user from not being able to apply for all insurance types that can be applied for claims when applying for insurance claims. Through the embodiment of the present application, the work efficiency of accident insurance claim verification can be effectively improved, labor costs can be saved, the verification standards can be unified, and deviations caused by human subjective factors in the verification process can be avoided. Moreover, when making a claim, the user does not need to collect the verification information required for the claim, nor does he need to judge which insurance types to apply for claims. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following briefly introduces the drawings required for describing the embodiments.

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

[0057] Figure 2 It is a schematic flow chart of another accident insurance liability 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 following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[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 application specification are only for the purpose of describing specific embodiments and are not intended to limit the application. As used in this application specification 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 specification and appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[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 physical 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 liability 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 the embodiment of the present application, when the above-mentioned insured person has an accident 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 to initiate an accident insurance claim request to the accident insurance claim platform. After the accident insurance claim platform receives the above-mentioned accident insurance claim request, the above-mentioned accident insurance claim platform determines whether the insurance accident is a sudden, unintentional and non-disease accident according to the cause of the insurance accident in the above-mentioned accident insurance claim request; if the insurance accident is a sudden, unintentional and non-disease accident, it is determined that the insurance accident corresponding to the accident insurance claim request is an accident, triggering the execution of step 102; if the insurance accident is not a sudden, unintentional and non-disease accident, it is determined that the insurance accident corresponding to the accident insurance claim request is not an accident, and feedback information is generated according to the cause of the above-mentioned insurance accident, and then the feedback information is sent to the above-mentioned applicant terminal to prompt the applicant that the insurance accident is not an accident, so the accident insurance claim cannot be applied for.

[0075] For example, if the cause of the insurance accident in the accident insurance claim request sent by the applicant's terminal is "sudden heart attack death", then after the accident insurance claim platform receives the accident insurance claim request, it extracts the cause of the insurance accident from the above accident insurance claim request, and performs intelligent recognition (such as semantic recognition) on it to determine that the insured died due to disease (heart disease), and determines that the insurance accident does not belong to an accident based on the definition of an accident; then generates feedback information (including feedback reasons), and sends the feedback information to the applicant's terminal. For example, the feedback information can be "Hello, since XXX died due to heart disease, it belongs to the category of disease death and does not belong to an accident, so you cannot apply for accident insurance claim, thank you!"

[0076] 102: Obtain the liability 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.

[0077] Among them, the above-mentioned liability information is information that can directly or indirectly determine that the insurance accident is an accidental accident. The above-mentioned liability information may include the insured's ordinary accidental medical information (such as the insured's diagnosis, medical records, etc.), the insured's accidental disability information (such as disability certificate, etc.), the insured's accidental death information, and some information that can determine that the insurance accident is an accidental accident (such as information that can determine that the insurance accident is sudden, unintentional and non-disease), etc.

[0078] In an embodiment of the present application, after the above-mentioned accident insurance claims platform accepts the above-mentioned accident insurance claims request and preliminarily determines that the insurance accident is an accident based on the cause of the above-mentioned insurance accident, the above-mentioned accident insurance claims platform needs to obtain the liability information of the insurance accident and verify the above-mentioned accident insurance liability information so that the subsequent accident insurance claims platform can handle the above-mentioned accident insurance accident based on the liability information of the above-mentioned insurance accident.

[0079] Specifically, the above-mentioned acquisition of the liability information of the insurance accident based on the identity information of the insured, the location of the insurance accident and the time of the insurance accident may include: judging the attributes of the insurance accident based on the cause of the insurance accident, wherein the attributes of the insurance accident include ordinary accidental injury, accidental disability and accidental death; then, determining the third-party platform for acquiring the liability information based on the location of the insurance accident and the attributes of the insurance accident; finally, acquiring the liability information of the insurance accident from the third-party platform based on the attributes of the insurance accident, the time of the insurance accident and the identity information of the insured. The third-party platform includes but is 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.

[0080] As an optional implementation, the above-mentioned obtaining the liability information of the insurance accident from the above-mentioned third-party platform based on the attribute 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: if the attribute of the above-mentioned insurance accident is ordinary accidental injury, then according to the time of occurrence of the above-mentioned insurance accident and the identity information of the insured, the first liability information is obtained from the medical institution platform where the above-mentioned insurance accident occurs, and the above-mentioned first liability information includes the ordinary accidental injury diagnosis and medical records of the above-mentioned insured; if the attribute of the above-mentioned insurance accident is accidental disability, then according to the time of occurrence of the above-mentioned insurance accident and the identity information of the insured, the first liability information is obtained from the medical institution platform where the above-mentioned insurance accident occurs. The insured's identity information obtains the second liability information from the medical institution platform where the above-mentioned insurance accident occurs, and the above-mentioned second liability information includes the insured's accidental disability diagnosis and medical records, as well as the insured's disability appraisal certificate obtained from the medical institution platform or judicial institution platform where the above-mentioned insurance accident occurs; if the attribute of the above-mentioned insurance accident is accidental death, the third liability information is obtained from the medical institution platform or judicial institution platform where the above-mentioned insurance accident occurs based on the occurrence time of the above-mentioned insurance accident and the insured's identity information, and the above-mentioned third liability information includes the death certificate and cause of death of the above-mentioned insured.

[0081] For example, obtaining the liability 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.

[0082] 103: Determine the insurance liability of the insurance accident corresponding to the above accident insurance claim request based on the liability verification information of the above insurance accident and the accident insurance liability verification rules.

[0083] The above accident insurance liability verification rules include at least one of the following rules: verifying whether the insured has died accidentally, verifying whether the insured has suffered accidental disability, and verifying whether the insured has suffered general accidental injury. It is understandable that different accident insurance types have different liability verification rules, so the above liability verification rules do not include all liability rules.

[0084] In an embodiment of the present application, after the accident insurance claims platform obtains the liability information of the insurance accident, the accident insurance claims platform handles the liability of the fuse accident according to the liability information of the insurance accident and the accident insurance liability rules.

[0085] Specifically, if the attribute of the above-mentioned insurance accident is ordinary accidental injury, then the above-mentioned insured person shall be verified whether he / she suffers from ordinary accidental injury based on the ordinary accidental injury diagnosis certificate and medical records of the above-mentioned insured person. If so, the insurance liability of the above-mentioned insurance accident shall be determined as medical insurance liability; if the attribute of the above-mentioned insurance accident is accidental disability, then the above-mentioned accidental disability diagnosis certificate, the above-mentioned medical records and the above-mentioned disability certificate shall be verified whether the above-mentioned insured person suffers from accidental disability. If so, the insurance liability of the above-mentioned insurance accident shall be determined as disability insurance liability; if the attribute of the above-mentioned insurance accident is accidental death, then the above-mentioned death certificate and the above-mentioned cause of death shall be verified whether the above-mentioned insured person dies accidentally. If so, the insurance liability of the above-mentioned insurance accident shall be determined as death insurance liability.

[0086] As an optional implementation, in addition to obtaining the liability verification information according to the accident insurance claim request, the above-mentioned accident insurance claim platform can also obtain liability exemption information according to the above-mentioned accident insurance claim request. Among them, in the embodiment of the present application, the above-mentioned liability verification information refers to information that can determine or evaluate whether the insurance accident is within the scope of insurance liability in the accident insurance accident, and the above-mentioned liability exemption refers to the information that within the scope of insurance liability, when the liability exemption conditions are met, the insurer is not responsible for paying the insurance money; liability exemption information refers to information that can evaluate or determine the above-mentioned liability exemption.

[0087] Specifically, if the above-mentioned accident insurance claims platform obtains the above-mentioned liability exemption information and verifies it to be correct, the above-mentioned accident insurance claims platform determines that the insurer (ie, the insurance company) does not bear insurance liability for the above-mentioned insurance accident.

[0088] For example, suppose that the insurance liability that needs to be borne by an accident insurance is: during the insurance period, if the insured (insured person) dies accidentally, the insurer will pay the agreed accidental death insurance money, then the above-mentioned liability determination death certificate, cause of death and other information. The above-mentioned liability exemption may include the insurer’s responsibility for paying the insurance money when the insured person dies accidentally due to drunk driving, or when the insured person dies accidentally due to war, military conflict, riots and other reasons. It can be understood that the above example is only an example of an embodiment of the present application, and does not limit the above-mentioned liability information and liability exemption information. Its specific limitations can refer to the specific insurance terms.

[0089] As an optional implementation, after the above-mentioned accident insurance claims platform determines the insurance liability of the above-mentioned insurance accident based on the liability information of the above-mentioned insurance accident and the accident insurance liability rules, the insured's insurance information is obtained based on the above-mentioned insured's identity information, wherein the above-mentioned insurance information includes the insurance type of the above-mentioned insured and the insurance period corresponding to each insurance type; then, the insurance terms corresponding to each accident insurance type in the above-mentioned insurance information are obtained; finally, according to the insurance terms corresponding to each accident insurance type in the above-mentioned insurance information, the occurrence time of the above-mentioned insurance accident, the cause of the above-mentioned insurance accident and the insurance period corresponding to each insurance type, the above-mentioned first related insurance type that bears the insurance liability of the above-mentioned insurance accident is determined, wherein the above-mentioned first related insurance type is one or more accident insurance types in the above-mentioned insurance information, that is, from all accident insurances insured by the insured, determine which accident insurance types need to bear the insurance liability of the above-mentioned insurance accident.

[0090] Specifically, after the above-mentioned accident insurance claims platform obtains the insured's insurance information and the insurance terms corresponding to each accident insurance type in the insurance information, the second relevant insurance type whose occurrence time of the above-mentioned insurance accident is within the insurance period is first determined, wherein the above-mentioned second relevant insurance type is one or more accident insurance types in the above-mentioned insurance information; then, the first relevant insurance type whose insurance terms match the cause of the above-mentioned insurance accident is determined, and the above-mentioned first relevant insurance type is one or more accident insurance types in the above-mentioned second relevant insurance type.

[0091] For example, the above accident insurance claims platform determined that the insurance liability of the insurance accident is accidental disability insurance liability based on the acquired liability verification information and liability verification rules, and the cause of the accident is "accidental fall leading to leg disability", and the time of the accident is xxxx year nn month mm day. First, the accident insurance claims platform obtains the insured's insurance information from the database, which includes three types of accident insurance: comprehensive accident insurance, traffic accident insurance, and short-term travel accident insurance; then the accident insurance claims platform determines that xxxx year nn month mm day is within the insurance period of comprehensive accident insurance and traffic accident insurance; finally, the accident insurance claims platform determines that the matching accident insurance type is comprehensive accident insurance based on the cause of the accident "accidental fall leading to leg disability" from the above comprehensive accident insurance and traffic accident insurance. Therefore, in this insurance accident, the above comprehensive accident insurance needs to bear the accidental disability insurance liability for the above insurance accident.

[0092] 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 according to the cause of the insurance accident in the accident insurance claim request, obtains the insurance accident liability information according to the insured's identity information, 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; then determines the insurance liability of the insurance accident according to the insurance liability information of the insurance accident and the accident insurance liability rules; finally, automatically determines which insurance types of the insured can be applied for claims according to the insurance liability of the insurance accident, so as to avoid the user from not being able to apply for all insurance types that can be applied for claims when applying for insurance claims. Through the embodiment of the present application, the work efficiency of accident insurance claims and liability verification can be effectively improved, labor costs can be saved, liability verification standards can be unified, and deviations caused by subjective factors in the liability verification process can be avoided. Moreover, when making claims, users do not need to collect the liability verification information required for claims, nor do they need to judge which insurance types to apply for claims.

[0093] See also Figure 2 , Figure 2 is a schematic flow chart of another accident insurance liability data processing method provided by an embodiment of the present application, such as Figure 2 As shown, the method may include:

[0094] 201: Receive the accident insurance claim request sent by the applicant.

[0095] 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.

[0096] 202: Determine whether the insurance accident corresponding to the accident insurance claim request is an accident based on the cause of the insurance accident.

[0097] 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.

[0098] 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.

[0099] 204: 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.

[0100] 205: Determine the third-party platform for obtaining the above-mentioned liability information based on the location of occurrence of the above-mentioned insurance accident and the attributes of the above-mentioned insurance accident.

[0101] 206: Obtaining liability 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.

[0102] Specifically, if the attribute of the above-mentioned insurance accident is ordinary accidental injury, then the first liability information is obtained from the medical institution platform where the above-mentioned insurance accident occurs according to the time of occurrence of the above-mentioned insurance accident and the identity information of the insured, and the above-mentioned first liability information includes the ordinary accidental injury diagnosis certificate and medical records of the above-mentioned insured; if the attribute of the above-mentioned insurance accident is accidental disability, then the second liability information is obtained from the medical institution platform where the above-mentioned insurance accident occurs according to the time of occurrence of the above-mentioned insurance accident and the identity information of the insured, and the above-mentioned second liability information includes the accidental disability diagnosis certificate and medical records of the above-mentioned insured, and the insured's disability appraisal certificate is obtained from the medical institution platform or the judicial institution platform where the above-mentioned insurance accident occurs; if the attribute of the above-mentioned insurance accident is accidental death, then the third liability information is obtained from the medical institution platform or the judicial institution platform where the above-mentioned insurance accident occurs according to the time of occurrence of the above-mentioned insurance accident and the identity information of the insured, and the above-mentioned third liability information includes the death certificate and cause of death of the above-mentioned insured.

[0103] 207: Determine the insurance liability for the above insurance accidents based on the liability information of the above insurance accidents and the accident insurance liability rules.

[0104] Specifically, if the attribute of the above-mentioned insurance accident is ordinary accidental injury, then the above-mentioned insured person shall be verified whether he / she suffers from ordinary accidental injury based on the ordinary accidental injury diagnosis certificate and medical records of the above-mentioned insured person. If so, the insurance liability of the above-mentioned insurance accident shall be determined as medical insurance liability; if the attribute of the above-mentioned insurance accident is accidental disability, then the above-mentioned accidental disability diagnosis certificate, the above-mentioned medical records and the above-mentioned disability certificate shall be verified whether the above-mentioned insured person suffers from accidental disability. If so, the insurance liability of the above-mentioned insurance accident shall be determined as disability insurance liability; if the attribute of the above-mentioned insurance accident is accidental death, then the above-mentioned death certificate and the above-mentioned cause of death shall be verified whether the above-mentioned insured person dies accidentally. If so, the insurance liability of the above-mentioned insurance accident shall be determined as death insurance liability.

[0105] 208: Obtain the insurance information of the insured according to the identity information of the insured, wherein the insurance information includes the insurance types of the insured and the insurance period corresponding to each insurance type.

[0106] 209: Obtain the insurance clauses corresponding to each accident insurance type in the above insurance information.

[0107] 210: According to the insurance clauses corresponding to each accident insurance type in the above-mentioned insurance information, the time of occurrence of the above-mentioned insurance accident, the cause of the above-mentioned insurance accident and the insurance period corresponding to each insurance type, the above-mentioned first related insurance type that bears the insurance liability for the above-mentioned insurance accident is determined, and the above-mentioned first related insurance type is one or more accident insurance types in the above-mentioned insurance information.

[0108] 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 according to the cause of the insurance accident in the accident insurance claim request, obtains the insurance accident liability information from the third-party platform according to the insured's identity information, 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, determines the insurance liability of the above insurance accident according to the insurance liability information of the above insurance accident and the accident insurance liability rules; finally, automatically determines which insurance types of the insured can apply for claims according to the insurance liability of the insurance accident, so as to avoid the user from not being able to apply for all insurance types that can be applied for claims when applying for insurance claims. Through the embodiment of the present application, the work efficiency of accident insurance claim verification can be effectively improved, labor costs can be saved, the verification standards can be unified, and deviations caused by subjective factors in the verification process can be avoided. Moreover, when making claims, users do not need to collect the verification information required for claims, nor do they need to judge which insurance types to apply for claims.

[0109] The embodiment of the present application also provides a server, which is used to execute any of the above methods. Figure 3 , Figure 3 The server of this embodiment includes: a receiving unit 310 , a first obtaining unit 320 and a processing unit 330 .

[0110] 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;

[0111] A first acquisition unit 320 is used to determine a third-party platform for acquiring liability information according to the cause of the insurance accident and the location of the insurance accident, and to acquire the liability information of the insurance accident from the third-party platform according to the cause of the insurance accident, the time of occurrence of the insurance accident and the identity information of the insured;

[0112] Processing unit 330 is used to determine the insurance liability of the insurance accident corresponding to the above-mentioned accident insurance claim request based on the liability information of the above-mentioned insurance accident and the accident insurance liability rules. The above-mentioned accident insurance liability rules include at least one of the following rules: verifying whether the insured person dies accidentally, verifying whether the insured person suffers from accidental disability, and verifying whether the insured person suffers from general accidental injury.

[0113] Optionally, the server further includes:

[0114] The judgment unit 340 is used to judge whether the insurance accident corresponding to the accident insurance claim request is a sudden, unintentional and non-disease accident according to the cause of the insurance accident;

[0115] The processing unit 330 is used for obtaining the liability information of the insurance accident according to the identity information of the insured, the location of the insurance accident and the time of the insurance accident when the judgment unit judges that the insurance accident is a sudden, unintentional and non-disease accident and determines that the insurance accident corresponding to the accident insurance claim is an accident;

[0116] The feedback unit 350 is used to send feedback information to the applicant terminal when the judgment unit determines that the insurance accident corresponding to the accident insurance claim request is not an accident. The feedback information is used to prompt the applicant that the insurance accident corresponding to the accident insurance claim request is not an accident.

[0117] Optionally, the first obtaining unit includes:

[0118] The second judgment unit 321 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;

[0119] A second determining unit 322 is used to determine the third-party platform for obtaining the liability information according to the location of the insurance accident and the attributes of the insurance accident;

[0120] The first acquisition unit 320 is used to obtain the liability 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.

[0121] Optionally, the first acquisition unit 320 is used to obtain first liability information from the medical institution platform where the insurance accident occurs, according to the time of occurrence of the insurance accident and the identity information of the insured, if the attribute of the insurance accident is ordinary accidental injury. The first liability information includes the ordinary accidental injury diagnosis and medical records of the insured; if the attribute of the insurance accident is accidental disability, the second liability information is obtained from the medical institution platform where the insurance accident occurs, according to the time of occurrence of the insurance accident and the identity information of the insured, and the second liability information includes the accidental disability diagnosis and medical records of the insured, as well as the disability appraisal certificate of the insured obtained from the medical institution platform or the judicial institution platform where the insurance accident occurs; if the attribute of the insurance accident is accidental death, the third liability information is obtained from the medical institution platform or the judicial institution platform where the insurance accident occurs, according to the time of occurrence of the insurance accident and the identity information of the insured, and the third liability information includes the death certificate and cause of death of the insured.

[0122] Optionally, the processing unit 330 is used to verify whether the insured suffers from general accidental injury based on the insured's ordinary accidental injury diagnosis and medical records if the attribute of the insurance accident is ordinary accidental injury, and if so, determine that the insurance liability of the insurance accident is medical insurance liability; if the attribute of the insurance accident is accidental disability, verify whether the insured suffers from accidental disability based on the accidental disability diagnosis, medical records and disability certificate, and if so, determine that the insurance liability of the insurance accident is disability insurance liability; if the attribute of the insurance accident is accidental death, verify whether the insured dies accidentally based on the death certificate and the cause of death, and if so, determine that the insurance liability of the insurance accident is death insurance liability.

[0123] Optionally, the server further includes:

[0124] The second acquisition unit 360 is used to acquire the insurance information of the insured according to the identity information of the insured, wherein the insurance information includes the insurance type of the insured and the insurance period corresponding to each insurance type;

[0125] The second acquisition unit 360 is used to acquire the insurance clause corresponding to each accident insurance type in the insurance information;

[0126] The third determination unit 370 is used to determine the first related insurance type that bears the insurance liability for the above-mentioned insurance accident based on the insurance terms corresponding to each accident insurance type in the above-mentioned insurance information, the time of occurrence of the above-mentioned insurance accident, the cause of the above-mentioned insurance accident and the insurance period corresponding to each insurance type. The above-mentioned first related insurance type is one or more accident insurance types in the above-mentioned insurance information.

[0127] Optionally, the third determination unit 370 is used to determine a second related insurance type when the insurance accident occurs within the insurance period, and the second related insurance type is one or more accidental insurance types in the insurance information; and to determine a first related insurance type whose insurance terms match the cause of the insurance accident, and the first related insurance type is one or more accidental insurance types in the second related insurance type.

[0128] 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 according to the cause of the insurance accident in the accident insurance claim request, obtains the insurance accident liability information from the third-party platform according to the insured's identity information, 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, determines the insurance liability of the above insurance accident according to the insurance liability information of the above insurance accident and the accident insurance liability rules, and finally automatically determines which insurance types of the insured can apply for claims according to the insurance liability of the insurance accident, so as to avoid the user from not being able to apply for all insurance types that can be applied for claims when applying for insurance claims. Through the embodiment of the present application, the work efficiency of accident insurance claim verification can be effectively improved, labor costs can be saved, the verification standards can be unified, and deviations caused by human subjective factors in the verification process can be avoided. Moreover, when making a claim, the user does not need to collect the verification information required for the claim, nor does he need to judge which insurance types to apply for claims.

[0129] 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 402 is used to store instructions, and the processor 401 is used to execute the instructions stored in the memory 402.

[0130] In which, 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 above-mentioned 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; determine the third-party platform for obtaining the liability information based on the cause of the insurance accident and the location of the insurance accident, and obtain the liability information of the insurance accident from the third-party platform based on the cause of the insurance accident and the time of the insurance accident and the identity information of the insured; determine the insurance liability of the insurance accident corresponding to the above-mentioned accident insurance claim request based on the liability information of the above-mentioned insurance accident and the accident insurance liability rules, and the above-mentioned accident insurance liability rules include at least one of the following rules: verifying whether the insured has died accidentally, verifying whether the insured has suffered accidental disability, and verifying whether the insured has suffered general accidental injury.

[0131] 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.

[0132] 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.

[0133] 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.

[0134] 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 liability 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.

[0135] 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; determining a third-party platform for obtaining liability information based on the cause of the insurance accident and the location of the insurance accident, and obtaining the liability information of the insurance accident from the third-party platform based on the cause of the insurance accident, the time of the insurance accident and the identity information of the insured; determining the insurance liability of the insurance accident corresponding to the accident insurance claim request based on the liability information of the insurance accident and the accident insurance liability rules, the accident insurance liability rules including at least one of the following rules: verifying whether the insured died accidentally, verifying whether the insured suffered accidental disability, and verifying whether the insured suffered general accidental injury.

[0136] 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.

[0137] 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.

[0138] 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.

[0139] The steps performed by the server in the above embodiment can be based on the Figure 5 The server structure shown.

[0140] 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.

[0141] 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.

[0142] 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.

[0143] 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.

[0144] 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.

[0145] 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.

[0146] 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 liability 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; determine whether the insurance accident corresponding to the accident insurance claim request is a sudden, unintentional and non-disease accident based on the cause of the insurance accident; if the insurance accident is a sudden, unintentional and non-disease accident, then determine that the insurance accident corresponding to the accident insurance claim request is an accident, triggering the operation of obtaining the liability information of the insurance accident based on the identity information of the insured, the location of the insurance accident and the time of the insurance accident; if it is determined that the insurance accident corresponding to the accident insurance claim request is not an accident, send feedback information to the applicant terminal, and the feedback information is used to prompt the applicant that the insurance accident corresponding to the accident insurance claim request is not an accident; The attributes of the insurance accident are determined according to the cause of the insurance accident, and the attributes of the insurance accident include ordinary accidental injury, accidental disability, and accidental death; the third-party platform for obtaining the liability information is determined according to the location of the insurance accident and the attributes of the insurance accident; if the attribute of the insurance accident is ordinary accidental injury, the first liability information is obtained from the medical institution platform where the insurance accident occurs according to the time of occurrence of the insurance accident and the identity information of the insured, and the first liability information includes the ordinary accidental injury diagnosis and medical records of the insured; if the attribute of the insurance accident is accidental disability, the third-party platform for obtaining the liability information is determined according to the insurance accident The insured party shall obtain the second liability information from the medical institution platform where the insurance accident occurs based on the time of occurrence of the insurance accident and the identity information of the insured, and the second liability information shall include the insured party's accidental disability diagnosis and medical records, as well as the insured party's disability appraisal certificate obtained from the medical institution platform or judicial institution platform where the insurance accident occurs; if the attribute of the insurance accident is accidental death, the insured party shall obtain the third liability information from the medical institution platform or judicial institution platform where the insurance accident occurs based on the time of occurrence of the insurance accident and the identity information of the insured, and the third liability information shall include the insured party's death certificate and cause of death; The insurance liability of the insurance accident corresponding to the accident insurance claim request is determined based on the liability verification information of the insurance accident and the accident insurance liability verification rules, and the accident insurance liability verification rules include at least one of the following rules: verifying whether the insured has died accidentally, verifying whether the insured has suffered accidental disability, and verifying whether the insured has suffered general accidental injury.

2. The method according to claim 1, characterized in that Determining the insurance liability of the insurance accident based on the liability verification information of the insurance accident and the accident insurance liability verification rules includes: If the attribute of the insurance accident is ordinary accidental injury, then verify whether the insured has suffered ordinary accidental injury based on the ordinary accidental injury diagnosis and medical records of the insured. If so, determine that the insurance liability of the insurance accident is medical insurance liability; If the attribute of the insurance accident is accidental disability, verify whether the insured person suffers from accidental disability based on the accidental disability diagnosis, the medical records and the disability certificate. If so, determine that the insurance liability of the insurance accident is disability insurance liability; If the attribute of the insurance accident is accidental death, then it is verified whether the insured died accidentally based on the death certificate and the cause of death. If so, it is determined that the insurance liability of the insurance accident is death insurance liability.

3. The method according to any one of claims 1 to 2, characterized in that: After determining the insurance liability of the insurance accident according to the liability assessment information of the insurance accident and the accident insurance liability assessment rules, the method further includes: Acquiring the insured's insurance information according to the insured's identity information, the insurance information including the insured's insurance type and the insurance period corresponding to each insurance type; Obtain the insurance clause corresponding to each accident insurance type in the insurance information; The first related insurance type that bears the insurance liability for the insurance accident is determined based on the insurance terms corresponding to each accident insurance type in the insurance information, the time of occurrence of the insurance accident, the cause of the insurance accident, and the insurance period corresponding to each insurance type. The first related insurance type is one or more accident insurance types in the insurance information.

4. The method according to any one of claims 1 to 2, characterized in that: The relevant insurance types that are determined to bear the insurance liability for the insurance accident according to the insurance clauses corresponding to each accident insurance type in the insurance information, the time of occurrence of the insurance accident, the cause of the insurance accident, and the insurance period corresponding to each insurance type include: Determine a second relevant insurance type for which the insurance accident occurs within the insurance period, wherein the second relevant insurance type is one or more accident insurance types in the insurance information; Determine a first related insurance type whose insurance terms match the cause of the insurance accident, wherein the first related insurance type is one or more accident insurance types among the second related insurance types.

5. A server, characterized in that: The method comprises means for executing the method according to any one of claims 1 to 4.

6. 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 4.

7. 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 4.

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