Method for automatically generating insurance plan according to customer family member information

Abstract

A method for automatically generating an insurance plan according to customer family member information comprises the following steps: screening insurance products according to own condition information of a target customer and own condition information of each family member; performing intelligent insurance premium measurement and calculation according to the screening result of the insurance products of the target customer and each family member; for the target customer and each family member, forming respective plan sets for the target customer and each family member; for the plan set of the target customer, adopting a naive Bayesian prediction algorithm, and forming a first insurance plan for the family of the target customer by using the condition information of the target customer and each family member as input parameters of the naive Bayesian prediction algorithm; forming a second insurance plan for the family of the target customer according to a plan set to which the plan with the highest insurance premium obtained by intelligent calculation of the insurance premium belongs; and making a final family insurance plan according to the first insurance plan and the second insurance plan.

Description

Technical Field

[0001] This invention relates to the field of insurance, and more specifically to a method for automatically generating an insurance plan based on information about a customer's family members. Background Technology

[0002] An insurance application plan (i.e., an insurance plan document) is a written document prepared by insurance professionals (such as insurance agents) based on the client's financial situation and financial management requirements. It recommends suitable insurance products, designs the best insurance plan, seeks to maximize the client's insurance benefits, and helps the client understand and accept the insurance product.

[0003] Generally, an insurance application plan will list the client's individual sum assured, coverage period, payment period, first-year premium, and detailed coverage information. Before drafting an application plan, a lot of preliminary analysis is usually required. This includes gathering basic client information such as occupation and workplace, age, residence, marital status, interests and hobbies, income, and dependents; and assessing the potential client's needs. After gathering and organizing this information, the potential client's needs must be determined, and then the appropriate insurance products must be selected to create a suitable application plan.

[0004] As mentioned above, creating existing insurance application plans is cumbersome, requiring insurance professionals to conduct meticulous individual analysis and research for each client before drafting the plan. The entire process is tedious and prone to errors.

[0005] Therefore, there is a need to provide a method that can automatically generate insurance plans based on customers' personalized information. Summary of the Invention

[0006] The technical problem to be solved by the present invention is to address the above-mentioned deficiencies in the prior art by providing a method for effectively and automatically generating personalized insurance plans based on the customer's personalized family member information.

[0007] According to the present invention, a method for automatically generating an insurance plan based on information of a customer's family members is provided, comprising:

[0008] The first step: Based on the target customer's own conditions, filter all insurance products that match the target customer's own conditions.

[0009] The second step: Obtain information about the target customer's family members, and based on the individual conditions of each family member, filter all insurance products that match the individual conditions of that family member.

[0010] The third step: intelligently calculate the premium based on the screening results of insurance products for the target customers and each family member;

[0011] The fourth step: Create a set of plans for the target customer and each family member, treating them as the insured, thus forming a set of individual plans for the target customer and each family member.

[0012] Step 5: For the set of plans for the target customers, use the Naive Bayes prediction algorithm, using the personal information of the target customers and each family member as the input parameters of the Naive Bayes prediction algorithm, to form the first insurance plan for the target customers' families.

[0013] Step 6: For the set of plans with the highest premium obtained from the intelligent premium calculation, the Naive Bayes prediction algorithm is used. The Naive Bayes prediction algorithm is formed by using the target customer and the personal conditions of each family member as input parameters for the Naive Bayes prediction algorithm.

[0014] Step 7: Prepare the final family insurance plan based on the first and second insurance plans.

[0015] Preferably, the method is used to create a family insurance plan.

[0016] Preferably, in the seventh step, the same items in the first and second insurance plans are used as fixed items in the final family insurance plan.

[0017] Preferably, in the seventh step, the different items in the first and second insurance plans are made optional items in the final family insurance plan.

[0018] Preferably, personal information includes age, gender, number of years, and annual income.

[0019] Preferably, the target customer's family members include the target customer's parents, children, partner, and partner's parents.

[0020] Preferably, the target customer's family members also include grandsons, granddaughters, great-grandsons, and great-granddaughters.

[0021] Therefore, according to the present invention, it is possible to screen potential insurance plans based on the customer's personalized family member information, and to further screen based on premium forecasts so that premiums are taken into account as an important factor, thereby effectively and automatically generating personalized insurance plans that are highly likely to be accepted by customers (especially those who are sensitive to premiums). Attached Figure Description

[0022] A more complete understanding of the invention and its accompanying advantages and features will be more readily apparent from the accompanying drawings and the following detailed description, wherein:

[0023] Figure 1 A flowchart illustrating a method for automatically generating an insurance plan based on customer family member information according to a preferred embodiment of the present invention is shown.

[0024] It should be noted that the accompanying drawings are for illustrative purposes only and are not intended to limit the invention. Note that the drawings illustrating structures may not be drawn to scale. Furthermore, in the drawings, identical or similar elements are labeled with the same or similar reference numerals. Detailed Implementation

[0025] To make the content of this invention clearer and easier to understand, the content of this invention will be described in detail below with reference to specific embodiments and accompanying drawings.

[0026] Figure 1 A flowchart illustrating a method for automatically generating an insurance plan based on customer family member information according to a preferred embodiment of the present invention is shown.

[0027] As shown in the figure, the method for automatically generating an insurance plan based on customer family member information according to a preferred embodiment of the present invention includes:

[0028] Step S1: Based on the target customer's own conditions, filter all insurance products that match the target customer's own conditions.

[0029] Step S2: Obtain information on the target customer's family members, and based on the individual conditions of each family member, filter all insurance products that match the individual conditions of that family member.

[0030] Step S3: Calculate the premium intelligently based on the screening results of insurance products for the target customer and each family member;

[0031] Step S4: Create a set of plans for the target customer and each family member as the insured, thus forming a set of individual plans for the target customer and each family member.

[0032] Step S5: For the set of plans for the target customers, use the Naive Bayes prediction algorithm, using the personal information of the target customers and each family member as the input parameters of the Naive Bayes prediction algorithm, to form the first insurance plan for the target customers' families.

[0033] Step S6: For the set of plans with the highest premium obtained from the intelligent premium calculation, the Naive Bayes prediction algorithm is used. The target customer and the personal conditions of each family member are used as input parameters for the Naive Bayes prediction algorithm to form a second insurance plan for the target customer's family.

[0034] Step S7: Prepare the final family insurance plan based on the first and second insurance plans.

[0035] Specifically, for example, in step S7, the same items in the first and second insurance plans are used as fixed items in the final family insurance plan, and the different items in the first and second insurance plans are used as optional items in the final family insurance plan.

[0036] For example, personal information includes age, gender, number of years, and annual income.

[0037] Furthermore, for example, the target customer's family members include the target customer's parents, children, partner, and partner's parents. Preferably, if there are third generations, the target customer's family members also include grandchildren, great-grandchildren, and great-great-grandchildren.

[0038] Therefore, according to the present invention, it is possible to screen potential insurance plans based on the customer's personalized family member information, and to further screen based on premium forecasts so that premiums are taken into account as an important factor, thereby effectively and automatically generating personalized insurance plans that are highly likely to be accepted by customers (especially those who are sensitive to premiums).

[0039] It should be noted that, unless otherwise specified, the terms "first," "second," "third," etc., in the specification are used only to distinguish the various components, elements, and steps in the specification, and are not used to indicate the logical or sequential relationships between the various components, elements, and steps.

[0040] It is understood that although the present invention has been disclosed above with reference to preferred embodiments, these embodiments are not intended to limit the present invention. For any person skilled in the art, many possible variations and modifications can be made to the technical solutions of the present invention based on the disclosed technical content, or equivalent embodiments can be modified accordingly, without departing from the scope of the present invention. Therefore, any simple modifications, equivalent changes, and modifications made to the above embodiments based on the technical essence of the present invention without departing from the content of the present invention shall still fall within the protection scope of the present invention.

Claims

1. A method for automatically generating an insurance plan based on information about a customer's family members, characterized in that... include: The first step: Based on the target customer's own conditions, filter all insurance products that match the target customer's own conditions. The second step: Obtain information about the target customer's family members, and based on the individual conditions of each family member, filter all insurance products that match the individual conditions of that family member. The third step: intelligently calculate the premium based on the screening results of insurance products for the target customers and each family member; The fourth step: Create a set of plans for the target customer and each family member, treating them as the insured, thus forming a set of individual plans for the target customer and each family member. Step 5: For the set of plans for the target customers, use the Naive Bayes prediction algorithm, using the personal information of the target customers and each family member as the input parameters of the Naive Bayes prediction algorithm, to form the first insurance plan for the target customers' families. Step 6: For the set of plans with the highest premium obtained from the intelligent premium calculation, the Naive Bayes prediction algorithm is used. The Naive Bayes prediction algorithm is formed by using the target customer and the personal conditions of each family member as input parameters for the Naive Bayes prediction algorithm. Step 7: Prepare the final family insurance plan based on the first and second insurance plans.

2. The method for automatically generating an insurance plan based on customer family member information according to claim 1, characterized in that, The method described is used to create a family insurance plan.

3. The method for automatically generating an insurance plan based on customer family member information according to claim 1 or 2, characterized in that, Personal information includes age, gender, and number of years.

4. The method for automatically generating an insurance plan based on customer family member information according to claim 1 or 2, characterized in that, In the seventh step, the same items in the first and second insurance plans are used as fixed items in the final family insurance plan.

5. The method for automatically generating an insurance plan based on customer family member information according to claim 1 or 2, characterized in that, In the seventh step, the different items in the first and second insurance plans are made optional items in the final family insurance plan.

6. The method for automatically generating an insurance plan based on customer family member information according to claim 1 or 2, characterized in that, Family members of the target customer include the target customer's parents, children, partner, and partner's parents.

7. The method for automatically generating an insurance plan based on customer family member information according to claim 6, characterized in that, The target customers' family members also include grandsons, granddaughters, great-grandsons, and great-granddaughters.

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