A home insurance service method, apparatus, device and medium

Abstract

The present application relates to the field of financial technology and medical health, and discloses a family insurance service method, device, equipment and medium, which is applied to a server, the server is connected with an Internet of Things device, and comprises the following steps: inputting state data of each member in a target family collected by the Internet of Things device into a risk assessment module of a target insurance service model, outputting a risk assessment score of the member, inputting the risk assessment score, a total insurance amount of the family and an initial insurance amount into an adjustment module of the target insurance service model, outputting an adjusted insurance amount of the member, providing insurance service for the member according to the adjusted insurance amount, taking the adjusted insurance amount as the initial insurance amount of the member, returning to execute the step of receiving state data until the end of guarantee. The present application can be applied to the family insurance scene in the field of financial technology and medical health, realizes intelligent and dynamic adjustment of the guarantee amount of family members, improves the adjustment efficiency of the guarantee amount, and enhances the adaptability between the guarantee amount and the family members.

Description

Technical Field

[0001] This invention relates to the fields of data processing, financial technology, and healthcare technology, and in particular to a method, apparatus, equipment, and medium for providing family insurance services. Background Technology

[0002] In recent years, with the continuous improvement of residents' risk awareness and insurance demand, family insurance services have been widely used in areas such as old-age security and health care. As the core protection resource of family insurance, family coverage provides basic protection support for various family insurance services by allocating the total insurance coverage for the entire family.

[0003] Traditional family insurance coverage typically uses a fixed-amount allocation model, which sets a fixed total coverage amount for the entire family and statically distributes it among family members according to a predetermined ratio. However, this model has certain limitations. For example, in family medical and health insurance scenarios, the health status, probability of disease occurrence, and medical expenditure needs of each family member often vary significantly. Under the fixed-amount allocation model, when a family member suddenly suffers from a serious illness or a significant increase in health risk, the actual medical expenses required may far exceed the predetermined individual coverage amount, and the fixed-amount approach may not be able to provide sufficient coverage. At the same time, the coverage amount allocated to other family members with good health may remain idle for a long time, resulting in low utilization efficiency of the family's overall medical insurance coverage.

[0004] To address the limitations of the aforementioned fixed coverage allocation model, existing technologies have proposed some coverage allocation systems based on simple time periods or fixed event triggers. For example, in a family medical and health insurance scenario, the system first allocates a fixed coverage amount to each family member for them to enjoy medical protection. In actual use, if some members find that the fixed allocation amount cannot meet their current actual medical expenditure needs, or if there are idle amounts, they can initiate a coverage adjustment request to the coverage allocation system. The coverage allocation system adjusts the coverage amounts among family members based on the user's active request. This system improves the limitations of static fixed coverage allocation and realizes on-demand redistribution of fixed coverage amounts. However, in practical applications, the adjustment of coverage amounts depends on the user's active request and lacks the ability to perceive the status of members, resulting in a lag in dynamic coverage adjustment decisions and low scheduling efficiency.

[0005] Therefore, how to adjust the insurance coverage among family members in order to improve the efficiency of coverage adjustment and enhance the adaptability of the insurance coverage to family members has become an urgent problem to be solved. Summary of the Invention

[0006] This invention provides a method, apparatus, equipment, and medium for family insurance services, in order to solve the problem of how to adjust the insured amount among family members, thereby improving the efficiency of insured amount adjustment and enhancing the adaptability of insured amount to family members.

[0007] Firstly, a method for providing family insurance services is provided. This method is applied to a server, which is connected to at least one Internet of Things (IoT) device. The IoT device is used to collect status data of each member in a target family, including: The system obtains the total insurance coverage of the target family and the initial insurance coverage allocated to each member from the total insurance coverage, and receives the status data of each member collected by the IoT device. Each member's status data is input into the risk assessment module of the target insurance service model, and the risk assessment module outputs the risk assessment score of the corresponding member. The total sum insured, each member's risk assessment score, and the initial sum insured are input into the adjustment module of the target insurance service model, and the adjustment module outputs the adjusted sum insured for the corresponding member. Based on the adjusted insured amount, provide corresponding insurance services for each member, using the adjusted insured amount as the initial insured amount for the corresponding member, and return to the step of receiving the status data of each member collected by the IoT device, until the family insurance coverage ends.

[0008] Secondly, a home insurance service device is provided, which is applied to a server. The server is connected to at least one Internet of Things (IoT) device, which is used to collect status data of each member in a target household, including: The first acquisition module is used to acquire the total insurance amount of the target family and the initial insurance amount allocated to each member from the total insurance amount, and to receive the status data of each member collected by the Internet of Things device; The risk calculation module is used to input the status data of each member into the risk assessment module of the target insurance service model, and output the risk assessment score of the corresponding member through the risk assessment module. The adjustment module is used to input the total sum insured, the risk assessment score of each member and the initial sum insured into the adjustment module of the target insurance service model, and output the adjusted sum insured for the corresponding member through the adjustment module; The loop module is used to provide corresponding insurance services to each member according to the adjusted insured amount, using the adjusted insured amount as the initial insured amount for the corresponding member, and returning to the step of receiving the status data of each member collected by the IoT device until the family insurance coverage ends.

[0009] Thirdly, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the steps of the home insurance service method of the first aspect described above.

[0010] Fourthly, a computer-readable storage medium is provided, which stores a computer program that, when executed by a processor, implements the steps of the home insurance service method of the first aspect described above.

[0011] The aforementioned family insurance service method, apparatus, computer equipment, and storage medium are applied to a server. The server is connected to at least one Internet of Things (IoT) device. The IoT device is used to collect status data of each member in the target family. By obtaining the total insured amount of the target family and the initial insured amount allocated to each member from the total insured amount, and receiving the status data of each member collected by the IoT device, the status data of each member is input into the risk assessment module of the target insurance service model. The risk assessment module outputs the risk assessment score of the corresponding member. The total insured amount, the risk assessment score of each member, and the initial insured amount are input into the adjustment module of the target insurance service model. The adjustment module outputs the adjusted insured amount of the corresponding member. Based on the adjusted insured amount, corresponding insurance services are provided to each member, with the adjusted insured amount serving as the initial insured amount for the corresponding member. The process then returns to the step of receiving the status data of each member collected by the IoT device, until the family insurance coverage ends.

[0012] This system receives status data from family members collected by IoT devices, conducts risk assessments for each member, and then dynamically adjusts each member's coverage amount based on their risk assessment score, initial individual coverage amount, and total family coverage amount. This enables intelligent and dynamic adjustment of family members' coverage amounts, improving the efficiency of coverage adjustment. Consequently, insurance coverage can be more timely and accurately adapted to each member's health status and individual risk fluctuations, enhancing the compatibility between coverage amounts and family members. Furthermore, when providing insurance services based on the adjusted coverage amounts, insurance resources can be allocated and used more rationally, improving the insurance service experience for family members. Attached Figure Description

[0013] To more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0014] Figure 1 This is a schematic diagram of an application environment for a family insurance service method provided in Embodiment 1 of the present invention; Figure 2 This is a flowchart illustrating a family insurance service method provided in Embodiment 2 of the present invention; Figure 3 This is a flowchart illustrating a family insurance service method provided in Embodiment 3 of the present invention; Figure 4 This is a schematic flowchart of a family insurance service method provided in Embodiment 4 of the present invention; Figure 5 This is a schematic diagram of a home insurance service device provided in Embodiment 5 of the present invention; Figure 6 This is a structural schematic diagram of a computer device provided in Embodiment Six of the present invention. Detailed Implementation

[0015] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0016] The family insurance service method provided in Embodiment 1 of this invention can be applied to, for example... Figure 1 The application environment is shown. Specifically, this family insurance service method is applied in a family insurance service system, which includes, for example, Figure 1 The diagram illustrates a client and server that communicate over a network to address how to adjust insurance coverage among family members, thereby improving the efficiency of coverage adjustments and enhancing the compatibility of coverage with family members. The client, also known as the user terminal, is the program that provides local services to the customer, corresponding to the server. The client can be installed on, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. The server can be implemented using a standalone server or a server cluster consisting of multiple servers.

[0017] For example, in the context of family medical and health insurance services, the family insurance service method of this invention can receive status data of family members collected by IoT devices. Through a target insurance service model, the system dynamically assesses the health risks, chronic disease risks, and health hazards of each member based on the status data. Then, by combining the total coverage amount of the family's overall medical and health insurance, the member's health risk score, and the initial medical coverage amount, the system intelligently completes the dynamic allocation and flexible adjustment of the individual coverage amount. Based on the dynamically adjusted coverage amount, corresponding insurance services are provided to each member. This achieves intelligent and dynamic adjustment of the coverage amount for family members, improves the efficiency of coverage adjustment, enables insurance protection to respond more timely and accurately to changes in the individual member's risk, enhances the adaptability of the coverage amount to family members, and allows insurance resources to be allocated and used more rationally, thereby improving the insurance service experience for family members.

[0018] Furthermore, based on the adjusted personalized medical insurance coverage, this invention can precisely match corresponding medical protection, health claims, medical support, and health management insurance services for each family member. Unlike the traditional, broad-based family medical insurance model with fixed coverage and uniform protection, this invention allows medical and health insurance protection to be deeply tailored to the fluctuations in each member's health status and changes in individual health risks. This enhances the accuracy, adaptability, and timeliness of family medical and health insurance services, more comprehensively meeting the diverse medical and health protection needs of different members, and effectively improving the overall medical and health insurance service experience and health protection level for family members.

[0019] Please see Figure 2 As shown, Figure 2 This is a flowchart illustrating a family insurance service method provided in Embodiment 2 of the present invention. The family insurance service method is applied to... Figure 1 The server in the system connects to at least one IoT device, which is used to collect status data of each member in the target household, including the following steps: Step S201: Obtain the total coverage amount of the target family and the initial coverage amount allocated to each member from the total coverage amount, and receive the status data of each member collected by the IoT device.

[0020] In this embodiment, the target family can refer to a family that dynamically adjusts the insured amount among family members, the total insured amount can refer to the total insured amount of all family members, the initial insured amount can refer to the amount that a member can initially be insured for, and the status data can refer to dynamic information collected through IoT devices that can reflect multi-dimensional characteristics such as the physiological health, behavioral habits, and activity trajectories of family members.

[0021] For example, IoT devices are used to collect status data of each member in a target household. IoT devices can be smart wearable devices (such as smart bracelets), which can collect physiological data such as heart rate, blood pressure, blood oxygen, body temperature, and sleep patterns. IoT devices can also be smart pillboxes, which can record users' medication data. Furthermore, IoT devices can be mobile phone motion sensors, positioning chips, etc., which can collect behavioral data such as falls and running, and collect user activity trajectories.

[0022] Step S202: Input the status data of each member into the risk assessment module of the target insurance service model, and output the risk assessment score of the corresponding member through the risk assessment module.

[0023] In this embodiment, the target insurance service model can refer to a neural network model that has been trained to adjust the insured amount. For example, the target insurance service model can be a neural network model based on Long Short-Term Memory (LSTM). After training, this model can dynamically adjust the insured amount of each family member based on state data. The risk assessment module can refer to a module that assesses the risk level of potential risk factors (such as illness, fall, being in a dangerous area, etc.) of members based on state data. The risk assessment score can refer to a score that represents the risk level of a member determined based on state data.

[0024] In some specific implementation processes, the risk assessment module may include, but is not limited to, a physiological risk assessment module, a behavioral risk assessment module, and an environmental risk assessment module. Specifically, the status data may include physiological data, behavioral data, and environmental data. Each member's physiological data can be input into the physiological risk assessment module of the target insurance service model, which outputs a physiological risk score for the corresponding member. Similarly, each member's behavioral data can be input into the behavioral risk assessment module of the target insurance service model, which outputs a behavioral risk score for the corresponding member. Finally, each member's environmental data can be input into the environmental risk assessment module of the target insurance service model, which outputs an environmental risk score for the corresponding member. Based on the physiological risk score, behavioral risk score, and environmental risk score, the risk assessment score for each member is determined.

[0025] Physiological data can refer to data that characterizes human vital signs and biological indicators, such as heart rate, blood pressure, and blood oxygen. Behavioral data can refer to data that characterizes an individual's daily activities and habits, such as stride length and gait. Environmental data can refer to data that characterizes information about the human body's surrounding environment, such as air humidity, temperature, and location. The physiological risk assessment module can refer to a module that assesses the risk level of a member's potential physiological risk factors (such as hypertension) based on physiological data. The behavioral risk assessment module can refer to a module that assesses the risk level of a member's potential behavioral risk factors (such as falls) based on behavioral data. The environmental risk assessment module can refer to a module that assesses the risk level of a member's potential environmental risk factors (such as being in a dangerous area) based on environmental data.

[0026] Specifically, physiological data is input into the physiological risk assessment module of the target insurance service model. The encoder in the physiological risk assessment module encodes the physiological data to extract physiological characteristics representing the body's health status. The decoder decodes the physiological characteristics and outputs the corresponding member's physiological risk score. Behavioral data is input into the behavioral risk assessment module of the target insurance service model. The encoder in the behavioral risk assessment module encodes the behavioral data to extract behavioral characteristics representing daily habits, exercise patterns, and potential health risks. The decoder decodes the behavioral characteristics and outputs the corresponding member's behavioral risk score. Environmental data is input into the environmental risk assessment module of the target insurance service model. The encoder in the environmental risk assessment module encodes the environmental data to extract environmental characteristics representing the quality of the living environment, harmful factors in the living environment, and external health impact conditions. The decoder encodes the environmental characteristics and outputs the corresponding member's environmental risk score. The physiological risk score, behavioral risk score, and environmental risk score of the corresponding member are weighted and summed to obtain the corresponding member's risk assessment score.

[0027] Optionally, after outputting the risk assessment score of the corresponding member through the risk assessment module, the monitoring usage rate of each member for IoT devices can also be obtained. Based on the monitoring usage rate and the risk assessment score, target members are determined from all members, the initial premium of each target member is obtained, the corresponding discount rate is determined based on the monitoring usage rate and the risk assessment score of each target member, and the initial premium of each target member is updated based on the discount rate to obtain the updated premium of the corresponding target member.

[0028] Among them, the monitoring usage rate can refer to the frequency of data monitoring and collection by members based on IoT devices, the target member can refer to the member determined based on the monitoring usage rate and risk assessment score, the target member can refer to the member whose monitoring usage rate exceeds the preset first threshold and whose risk assessment score is lower than the preset second threshold, the initial premium can refer to the premium that the member needs to pay initially, and the renewal premium can refer to the premium after discount based on the discount rate.

[0029] For example, if a family member has a long-term regular routine, meets exercise standards, has normal physiological indicators, and lives in a healthy and excellent indoor environment, and after comprehensive evaluation, the member's risk assessment score is far below the preset second threshold, thus being identified as a low-risk member, and this family member frequently uses IoT devices such as smart bracelets, smart pillboxes, and mobile phone motion sensors to monitor status data such as heart rate, blood pressure, blood oxygen, sleep characteristics, medication adherence, steps, and activity trajectory, exceeding the preset first threshold for IoT device monitoring usage, then based on their high-quality risk assessment score and monitoring usage rate, a corresponding tiered premium discount will be matched, reducing the initial premium of their family medical insurance, ultimately generating a discounted updated premium, thus realizing a differentiated premium incentive mechanism where the better the health condition, the lower the medical risk, and the more favorable the premium.

[0030] For example, if the target user's monthly health monitoring usage rate exceeds 10%, an additional 1.5% discount will be applied (up to a maximum of 25%). If the target user's monitoring usage rate reaches 80%, a 22% discount will be applied; if the risk assessment score is 30%, a 20% discount will be applied. The total discount for the target user will then be 20% + 22% = 42%. If the initial premium is 24,000 yuan, the discounted renewal premium will be 24,000 × (1 - 0.42) = 13,920 yuan.

[0031] Optionally, after outputting the risk assessment score of the corresponding member through the risk assessment module, the basic premium, member identity information and historical status data of each member can also be obtained. Based on the member identity information and historical status data, the health risk of each member is assessed to obtain the historical risk assessment score of the corresponding member. Based on the historical risk assessment score and the basic premium, the initial premium of the corresponding member is determined.

[0032] Basic premium can refer to the benchmark premium that does not take into account individual differences in risk factors. Member identity information can refer to the identity attribute data of members, such as the member's age, gender, occupation and work location. Historical status data can refer to information collected through Internet of Things devices that can reflect the multi-dimensional characteristics of family members' historical physiological health, historical behavioral habits and historical activity trajectories. Historical risk assessment score can refer to the score that represents the degree of historical risk of a member.

[0033] For example, risk assessments can be performed on various information items in a member's identity information to determine the corresponding risk coefficients, and risk assessments can also be performed on various information items in historical status data to determine the corresponding risk coefficients. The risk coefficients obtained from the assessments are multiplied by the user's base premium rate to obtain the adjusted premium rate. The adjusted premium rate is then multiplied by the base premium to obtain the member's initial premium. This achieves differentiated premium adjustments, making the initial premium more accurately match the individual's historical and inherent risks.

[0034] For example, if the member is a parent in the family, and is in an older age group with chronic diseases, the age coefficient and chronic disease coefficient representing their risk level can be calculated based on the parents' age and medical diagnosis records. The age coefficient uses a piecewise function: 1.2 for 60-70 years old, 1.8 for 71-80 years old, and 2.5 for 81 years old and above. The chronic disease coefficient = 1 + (number of diagnosed diseases × 0.3). Then, the adjusted rate for the parents = base rate × age coefficient × chronic disease coefficient.

[0035] If the member is a child in the family and is in a high-risk occupation or requires a long commute, the occupational risk level coefficient and commuting coefficient, which represent the degree of risk, can be calculated separately based on the child's occupation and work location. Occupational risk can be divided into 5 levels, such as office worker = 1.0, food delivery worker = 1.8. The commuting coefficient = daily commuting kilometers × 0.01. Then the adjusted rate for the child = base rate × occupational risk level coefficient × commuting coefficient.

[0036] Optionally, after the risk assessment module outputs the risk assessment score of the corresponding member, it can also identify the risk members whose risk assessment scores exceed the preset threshold from all members based on the risk assessment scores, obtain the insurance service mechanism for each member in the target family other than the risk members, and adjust the insurance service mechanism for each member in the target family other than the risk members based on the risk assessment scores of the risk members to obtain the adjusted insurance service mechanism for the corresponding members.

[0037] The preset threshold can refer to the risk assessment score threshold used to determine whether a member is in a high-risk state, and the insurance service mechanism can refer to the insurance protection rules provided to non-risk members in the target family.

[0038] For example, when a child's risk assessment score exceeds a preset threshold, the child is identified as a high-risk member. Based on the preset mapping relationship between risk assessment scores and insurance service adjustment strategies, the insurance service mechanism for the parents can be dynamically adjusted. For instance, in the event of an accident involving the child, the parents' service level can be upgraded from standard to membership level, providing three free weekly home visits by a doctor, activating the family emergency medical fund, and pre-allocating 100,000 yuan to a partner hospital account specifically for the parents' emergency medical treatment. This way, when a child becomes a high-risk member and the core care burden may shift to the parents, the improved service level and emergency funding support can safeguard the family's overall risk resilience.

[0039] When a parent's risk assessment score exceeds a preset threshold, the parent is identified as a high-risk member. Based on the pre-defined mapping between risk assessment scores and insurance service adjustment strategies, the insurance service mechanism for the child can be dynamically adjusted. For example, when the parent's health warning system alerts (e.g., persistent blood pressure >180 mmHg), the insurance coverage for high-risk activities (such as accidental injury protection for activities like mountain climbing and diving) under the child's name is automatically frozen. The child is then prompted with caregiving advice and access to lost wages compensation claims. Thus, when parents become high-risk members due to health issues, and the family may require the child to assume caregiving responsibilities, freezing the child's high-risk activity coverage avoids additional claims risks for the child during home care due to participation in high-risk activities. Simultaneously, the prompting of caregiving advice and access to lost wages compensation guides the child to fulfill their caregiving responsibilities and obtain corresponding financial support, ensuring a reasonable allocation of family resources and a balance of risks.

[0040] Step S203: Input the total sum insured, each member's risk assessment score, and the initial sum insured into the adjustment module of the target insurance service model, and output the adjusted sum insured for the corresponding member through the adjustment module.

[0041] In this embodiment, the adjustment module can refer to a module that dynamically adjusts the insured amount of a member based on the risk assessment score, total insured amount, and initial insured amount. The adjusted insured amount can refer to the insured amount after dynamic adjustment based on the risk assessment score, total insured amount, and initial insured amount.

[0042] Specifically, the initial sum insured, risk assessment score, and total family sum insured of each member are input into the adjustment module. Based on the risk assessment score and initial sum insured, the adjustment module dynamically adjusts the sum insured of each member within the total sum insured range and outputs the adjusted sum insured of the corresponding member.

[0043] Step S204: Based on the adjusted insured amount, provide corresponding insurance services for each member, adjust the insured amount to the initial insured amount of the corresponding member, and return to the step of receiving the status data of each member collected by the IoT device until the family insurance coverage ends.

[0044] In this embodiment, insurance services can refer to a series of protection measures provided by the insurance company to provide economic compensation or payment when the insured experiences a specific risk event. For example, the sum insured may be adjusted according to the different members. When the insured is diagnosed with a critical illness stipulated in the contract, the insured with a low sum insured may receive a one-time payment of 100,000 yuan, while the insured with a high sum insured may receive a payment of 500,000 yuan plus hospitalization allowance and overseas second medical treatment services.

[0045] Specifically, based on the adjusted sum assured, the insurance services for each member are adjusted, and the adjusted sum assured is used as the initial sum assured for the corresponding member. Then, the process in step S201 above is repeated until the insurance coverage for the family ends.

[0046] For example, a scenario where insurance services are provided to each member based on the adjusted insured amount could be as follows: When a parent is diagnosed with a possible sudden myocardial infarction (ECG waveform shows ST segment elevation ≥2mm), the hospital system generates an encrypted diagnostic code, triggering an on-chain contract to perform compensation calculations. The medical compensation amount can be the smaller of the adjusted insured amount × 0.7 and the estimated treatment cost × 1.2, while the compensation amount for the children can be the smaller of the adjusted insured amount × 0.3 and the monthly income × 3. The fund transfer process is then initiated, and the medical funds are settled in real time to the hospital's digital wallet via a cross-chain protocol. The children's compensation is distributed daily (1500 yuan is automatically transferred at 0:00 every day). All transaction records are stored on the blockchain and encrypted to ensure that the compensation process is transparent, traceable, and tamper-proof.

[0047] For example, in a family, member A is an elderly person. Due to fluctuations in blood pressure and blood sugar levels, their health risk assessment score was initially high, and their family's medical and health insurance coverage was adjusted to 300,000 yuan. This entitles them to 100% reimbursement for hospitalization expenses, 300,000 yuan in critical illness compensation, and exclusive chronic disease management services. After a period of health intervention and real-time monitoring, member A's physiological data stabilized, and their health risk assessment score decreased. In the next round of assessment, their coverage was adjusted to 200,000 yuan, with corresponding insurance services including 90% reimbursement for hospitalization expenses, 200,000 yuan in critical illness compensation, and retention of basic chronic disease follow-up services. At the same time, with 200,000 yuan as the new initial coverage, the risk assessment process continues based on the status data collected by the received IoT devices until the family's medical and health insurance coverage period expires, at which point the entire dynamic adjustment process ends.

[0048] In this embodiment, by receiving status data of family members collected by IoT devices, a risk assessment is conducted for each member. Based on this, and combining each member's risk assessment score, initial personal coverage amount, and total family coverage amount, the coverage amount for each member is dynamically adjusted. This achieves intelligent and dynamic adjustment of the coverage amount for family members, improving the efficiency of coverage adjustment. As a result, insurance coverage can be adapted more timely and accurately to the health status and individual risk fluctuations of each member, enhancing the adaptability between coverage amount and family members. When providing insurance services based on the adjusted coverage amount, insurance resources can be allocated and used more rationally, avoiding waste of coverage amount, improving the overall utilization efficiency of family coverage amount, and enhancing the insurance service experience for family members.

[0049] like Figure 3 The diagram shown is a flowchart of a family insurance service method provided in Embodiment 3 of the present invention. In step S203 above, the total sum insured, the risk assessment score of each member, and the initial sum insured are input into the adjustment module of the target insurance service model. The adjustment module then outputs the adjusted sum insured for the corresponding member, including the following steps: Step S301: Input each member's risk assessment score and initial insured amount into the percentage adjustment unit of the adjustment module, and output the risk percentage of the corresponding member among all members through the percentage adjustment unit.

[0050] Step S302: Input the risk ratio and total sum insured into the sum insured adjustment unit of the adjustment module, and output the adjusted sum insured for the corresponding member through the sum insured adjustment unit.

[0051] In this embodiment, the percentage adjustment unit can refer to a unit that calculates the risk percentage of a member among all members based on the risk assessment score and the initial sum insured, and the sum insured adjustment unit can refer to a unit that calculates the adjusted sum insured for the corresponding member based on the risk percentage and the total sum insured.

[0052] Specifically, the risk assessment score and initial sum assured are input into the percentage adjustment unit. For any given member, the percentage adjustment unit multiplies the member's risk assessment score by their initial sum assured to obtain their weighted risk. The weighted risks of all members are summed to obtain the total weighted risk of all members. Each member's weighted risk is then divided by the total weighted risk to obtain their risk percentage among all members. Finally, each member's risk percentage and total sum assured are input into the sum assured adjustment unit. The sum assured adjustment unit multiplies each member's risk percentage and total sum assured to obtain the adjusted sum assured for that member.

[0053] In this embodiment, by dynamically adjusting the sum insured of each member based on the risk assessment score, the initial sum insured of each member, and the total sum insured of the family, the insurance coverage can be adapted in a timely manner to the health status and individual risk fluctuations of each member at different stages, thereby improving the efficiency of sum insured adjustment and enhancing the adaptability of sum insured to family members.

[0054] like Figure 4 The diagram shown is a flowchart illustrating a family insurance service method according to Embodiment 4 of the present invention. This family insurance service method further includes the following steps: Step S401: Obtain income and expenditure data for each member within a preset time period.

[0055] Step S402: Update the total insured amount based on each member's income data, expenditure data, and risk assessment score within a preset time period to obtain the updated total insured amount.

[0056] In step S203 above, the total sum insured, each member's risk assessment score, and the initial sum insured are input into the adjustment module of the target insurance service model. The adjustment module then outputs the adjusted sum insured for the corresponding member. This also includes: Step S403: Update the total sum insured, the risk assessment score of each member and the initial sum insured, and input them into the adjustment module of the target insurance service model. The adjustment module will then output the adjusted sum insured for the corresponding member.

[0057] In this embodiment, the preset time can refer to a pre-set time period, such as the past year. Income data can include members' salary income, and expenditure data can include members' basic living expenses, mortgage and car loan expenses, etc. The updated total insured amount can refer to the updated total insured amount based on each member's income data, expenditure data and risk assessment score within the preset time period.

[0058] Specifically, based on the income data of each member within a preset time period, the total income of the family within that time period is determined. Based on the expenditure data of each member within that time period, the total expenditure of the family within that time period is determined. Then, the ratio of the total expenditure to the total income of the family is calculated to obtain the expenditure ratio. If the expenditure ratio exceeds the preset value, it indicates that the family burden is relatively heavy, and vice versa. The income multiple coefficient is determined based on the expenditure ratio. The higher the expenditure ratio, the larger the income multiple coefficient (greater than 1), which is used to increase the coverage amount to cope with the higher family burden. The lower the expenditure ratio, the smaller the income multiple coefficient (less than 1), which is used to appropriately reduce the coverage amount to reflect the lighter family burden. Based on the risk assessment scores of each member within a preset time period, the average risk assessment score of each member within that time period is determined. Then, based on the average risk assessment scores of all members within that time period, the average family risk assessment score is determined. The lower this score, the healthier and safer the family is overall. A risk adjustment coefficient is obtained by dividing the preset benchmark risk assessment score by the average family risk assessment score. This coefficient is used to fine-tune the coverage amount based on the overall health risk of the family, ensuring that higher risk requires higher coverage. If the average family risk assessment score does not exceed the preset benchmark risk assessment score, it indicates a lower family risk, and the risk adjustment coefficient is smaller (less than 1), thus appropriately reducing the coverage amount. If the average family risk assessment score exceeds the preset benchmark risk assessment score, it indicates a higher family risk, and the risk adjustment coefficient is larger (greater than 1), thus appropriately increasing the coverage amount. Finally, the total family income is multiplied by the income multiple coefficient and the risk adjustment coefficient to obtain the updated total coverage amount.

[0059] In this embodiment, by dynamically analyzing the family's overall income and expenditure status and health risk assessment score, the total insured amount is intelligently and personally updated. This not only prompts users to seek higher coverage to mitigate potential risks when the family's financial burden increases or overall risk rises, but also provides more scientific and reasonable insured amount recommendations when the family's financial situation is healthy and the risk is low. This ensures that insurance services are always aligned with the user's latest life status, improves the efficiency of insured amount adjustments, enhances the adaptability of insured amounts to family members, and effectively improves the accuracy of coverage and the family's risk resistance capabilities.

[0060] It should be understood that the sequence number of each step in the above embodiments does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0061] like Figure 5The diagram shown is a structural schematic of a family insurance service device provided in Embodiment 5 of the present invention. This family insurance service device is applied to a server, which is connected to at least one Internet of Things (IoT) device. The IoT device is used to collect status data of each member in the target family. This family insurance service device corresponds one-to-one with the family insurance service methods described in the previous embodiments. The family insurance service device includes a first acquisition module 51, a risk calculation module 52, an adjustment module 53, and a loop module 54. Detailed descriptions of each functional module are as follows: The first acquisition module 51 is used to acquire the total insurance amount of the target family and the initial insurance amount allocated to each member from the total insurance amount, and to receive the status data of each member collected by the Internet of Things device; Risk calculation module 52 is used to input the status data of each member into the risk assessment module of the target insurance service model, and output the risk assessment score of the corresponding member through the risk assessment module; The adjustment module 53 is used to input the total sum insured, the risk assessment score of each member and the initial sum insured into the adjustment module of the target insurance service model, and output the adjusted sum insured for the corresponding member through the adjustment module; The loop module 54 is used to provide corresponding insurance services to each member according to the adjusted insured amount, using the adjusted insured amount as the initial insured amount for the corresponding member, and returning to the step of receiving the status data of each member collected by the IoT device until the family insurance coverage ends.

[0062] Optionally, the aforementioned risk calculation module 52 includes: The physiological assessment unit is used to input the physiological data of each member into the physiological risk assessment module of the target insurance service model, and output the physiological risk score of the corresponding member through the physiological risk assessment module. The behavior assessment unit is used to input the behavior data of each member into the behavior risk assessment module of the target insurance service model, and output the behavior risk score of the corresponding member through the behavior risk assessment module. The environmental assessment unit is used to input the environmental data of each member into the environmental risk assessment module of the target insurance service model, and output the environmental risk score of the corresponding member through the environmental risk assessment module. The comprehensive assessment unit is used to determine the risk assessment score of the corresponding member based on the physiological risk score, the behavioral risk score, and the environmental risk score.

[0063] Optionally, the aforementioned adjustment module 53 includes: The percentage calculation unit is used to input the risk assessment score of each member and the initial insured amount into the percentage adjustment unit of the adjustment module, and output the risk percentage of the corresponding member among all members through the percentage adjustment unit. The first sum assured calculation unit is used to input the risk ratio and the total sum assured into the sum assured adjustment unit of the adjustment module, and output the adjusted sum assured for the corresponding member through the sum assured adjustment unit.

[0064] Optionally, the home insurance service device also includes: The second acquisition module is used to acquire the monitoring usage rate of each member for the IoT device, and to determine the target member from all members based on the monitoring usage rate and the risk assessment score. The discount determination module is used to obtain the initial premium for each target member and determine the discount rate for each target member based on the monitoring usage rate and risk assessment score. The premium incentive module is used to update the initial premium for each target member based on the discount rate, so as to obtain the updated premium for the corresponding target member.

[0065] Optionally, the above discount determination module includes: The second acquisition unit is used to acquire each member's basic premium, member identity information, and historical status data; The historical assessment unit is used to assess the health risk of each member based on the member identity information and the historical status data, and obtain the historical risk assessment score of the corresponding member. The premium determination unit is used to determine the initial premium for the corresponding member based on the historical risk assessment score and the basic premium.

[0066] Optionally, the home insurance service device also includes: The income and expenditure acquisition module is used to acquire income and expenditure data for each member within a preset time period; The coverage update module is used to update the total coverage based on the income data, expenditure data and risk assessment score of each member within the preset time period, so as to obtain the updated total coverage. The aforementioned adjustment module 53 also includes: The third sum insured calculation unit is used to input the updated total sum insured, the risk assessment score of each member and the initial sum insured into the adjustment module of the target insurance service model, and output the adjusted sum insured for the corresponding member through the adjustment module.

[0067] Optionally, the home insurance service device also includes: The member determination module is used to determine risk members whose risk assessment scores exceed a preset threshold from all members based on the risk assessment scores. The service update module is used to obtain the insurance service mechanism of each member in the target family except for the risk member, and adjust the insurance service mechanism of each member in the target family except for the risk member according to the risk assessment score of the risk member, so as to obtain the adjusted insurance service mechanism of the corresponding member.

[0068] Specific limitations regarding the home insurance service device can be found in the limitations of the home insurance service method described above, and will not be repeated here. Each module in the aforementioned home insurance service device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device in hardware form, or stored in the memory of a computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0069] Embodiment 6 of the present invention provides a computer device, which may be a server, and its internal structure diagram may be as follows. Figure 6 As shown, the computer device includes a processor, memory, network interface, and database connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database stores status data for each member of the household. The network interface communicates with external terminals via a network connection. When executed by the processor, the computer program implements a home insurance service method.

[0070] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, it implements the insurance service method described in the above embodiment, for example... Figure 2 As shown in S201-S203, or Figures 3 to 4 As shown, to avoid repetition, it will not be described again here. Alternatively, when the processor executes the computer program, it implements the functions of each module / unit in this embodiment of the insurance service device, for example, Figure 5 The functions of the first acquisition module 51, risk calculation module 52, adjustment module 53, and loop module 54 shown are not described again here to avoid repetition.

[0071] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When executed by a processor, the computer program implements the insurance service method described in the above embodiment, for example... Figure 2 As shown in S201-S203, or Figures 3 to 4 As shown, to avoid repetition, it will not be described again here. Alternatively, when the processor executes the computer program, it implements the functions of each module / unit in this embodiment of the insurance service device, for example, Figure 5 The functions of the first acquisition module 51, risk calculation module 52, adjustment module 53, and loop module 54 shown are not described again here to avoid repetition.

[0072] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. This computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0073] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is used as an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0074] If any software tools or components not belonging to this company appear in the embodiments of this invention, they are merely illustrative examples and do not represent actual use. All user personal information involved in the embodiments of this invention is authorized (with knowledge and consent) by the relevant parties or fully authorized by all parties, and the executing entity may obtain it through various legal and compliant means. The collection, storage, use, processing, transmission, provision, and disclosure of the information, data, and signals involved all comply with the relevant laws and regulations of the relevant countries and regions, and do not violate public order and good morals.

[0075] The above-described embodiments are only used to illustrate the technical solutions of the present invention, and are not intended to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included within the protection scope of the present invention.

Claims

1. A method for providing family insurance services, characterized in that, The family insurance service method is applied to a server, which is connected to at least one Internet of Things (IoT) device. The IoT device is used to collect status data of each member in the target family, including: The system obtains the total insurance coverage of the target family and the initial insurance coverage allocated to each member from the total insurance coverage, and receives the status data of each member collected by the IoT device. Each member's status data is input into the risk assessment module of the target insurance service model, and the risk assessment module outputs the risk assessment score of the corresponding member. The total sum insured, each member's risk assessment score, and the initial sum insured are input into the adjustment module of the target insurance service model, and the adjustment module outputs the adjusted sum insured for the corresponding member. Based on the adjusted insured amount, provide corresponding insurance services for each member, using the adjusted insured amount as the initial insured amount for the corresponding member, and return to the step of receiving the status data of each member collected by the IoT device, until the family insurance coverage ends.

2. The family insurance service method according to claim 1, characterized in that, The status data includes physiological data, behavioral data, and environmental data. The process involves inputting each member's status data into the risk assessment module of the target insurance service model, and the risk assessment module outputting a risk assessment score for each member, including: Each member's physiological data is input into the physiological risk assessment module of the target insurance service model, and the physiological risk assessment module outputs the physiological risk score of the corresponding member. The behavioral data of each member is input into the behavioral risk assessment module of the target insurance service model, and the behavioral risk assessment module outputs the behavioral risk score of the corresponding member. The environmental data of each member is input into the environmental risk assessment module of the target insurance service model, and the environmental risk assessment module outputs the environmental risk score of the corresponding member. Based on the physiological risk score, the behavioral risk score, and the environmental risk score, the risk assessment score of the corresponding member is determined.

3. The family insurance service method according to claim 1, characterized in that, The process of inputting the total sum insured, each member's risk assessment score, and the initial sum insured into the adjustment module of the target insurance service model, and outputting the adjusted sum insured for the corresponding member through the adjustment module, includes: Each member's risk assessment score and initial insured amount are input into the proportion adjustment unit of the adjustment module, and the proportion adjustment unit outputs the risk proportion of the corresponding member among all members. The risk percentage and the total sum insured are input into the sum insured adjustment unit of the adjustment module, and the sum insured adjustment unit outputs the adjusted sum insured for the corresponding member.

4. The family insurance service method according to claim 1, characterized in that, After inputting the status data of each member into the risk assessment module of the target insurance service model, and outputting the risk assessment score of the corresponding member through the risk assessment module, the following steps are also included: Obtain the monitoring usage rate of each member for the IoT device, and determine the target member from all members based on the monitoring usage rate and the risk assessment score; Obtain the initial premium for each target member, and determine the corresponding discount rate for each target member based on the monitoring usage rate and risk assessment score; Based on the discount rate, the initial premium for each target member is updated to obtain the updated premium for the corresponding target member.

5. The family insurance service method according to claim 4, characterized in that, The process of obtaining the initial premium for each target member includes: Obtain each member's basic premium, member identity information, and historical status data; Based on the member identity information and the historical status data, the health risk of each member is assessed to obtain the historical risk assessment score of the corresponding member; The initial premium for the corresponding member is determined based on the historical risk assessment score and the base premium.

6. The family insurance service method according to claim 1, characterized in that, The family insurance service method also includes: Obtain income and expenditure data for each member within a preset time period; Based on the income data, expenditure data, and risk assessment score of each member within the preset time period, the total insured amount is updated to obtain the updated total insured amount; The step of inputting the total sum insured, each member's risk assessment score, and the initial sum insured into the adjustment module of the target insurance service model, and outputting the adjusted sum insured for the corresponding member through the adjustment module, further includes: The updated total sum insured, each member's risk assessment score, and the initial sum insured are input into the adjustment module of the target insurance service model, and the adjustment module outputs the adjusted sum insured for the corresponding member.

7. The family insurance service method according to claim 1, characterized in that, After inputting the status data of each member into the risk assessment module of the target insurance service model, and outputting the risk assessment score of the corresponding member through the risk assessment module, the following steps are also included: Based on the risk assessment scores, identify risk members whose risk assessment scores exceed a preset threshold from all members; Obtain the insurance service mechanism for each member of the target family other than the risk member. Based on the risk assessment score of the risk member, adjust the insurance service mechanism for each member of the target family other than the risk member to obtain the adjusted insurance service mechanism for the corresponding member.

8. A home insurance service device, characterized in that, The home insurance service device is applied to a server, which is connected to at least one Internet of Things (IoT) device. The IoT device is used to collect status data of each member in the target household, including: The first acquisition module is used to acquire the total insurance amount of the target family and the initial insurance amount allocated to each member from the total insurance amount, and to receive the status data of each member collected by the Internet of Things device; The risk calculation module is used to input the status data of each member into the risk assessment module of the target insurance service model, and output the risk assessment score of the corresponding member through the risk assessment module. The adjustment module is used to input the total sum insured, the risk assessment score of each member and the initial sum insured into the adjustment module of the target insurance service model, and output the adjusted sum insured for the corresponding member through the adjustment module; The loop module is used to provide corresponding insurance services to each member according to the adjusted insured amount, using the adjusted insured amount as the initial insured amount for the corresponding member, and returning to the step of receiving the status data of each member collected by the IoT device until the family insurance coverage ends.

9. A computer device, characterized in that, The computer device includes a processor, a memory, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the home insurance service method as described in any one of claims 1 to 7.

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

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