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Group insurance is an insurance that covers a group of people, for example the members of a society or professional association, or the employees of a particular employer for the purpose of taking insurance. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase insurance who belong to the group for reasons other than the wish to buy insurance, which might be because they are a worse than average risk. Grouping individuals together allows insurance companies to give lower rates to companies, "Providing large volume of business to insurance companies gives us greater bargaining power for clients, resulting in cheaper group rates."
Group insurance policy generation method and device, computer equipment and storage medium
The application relates to the technical field of artificial intelligence, and discloses a group insurance policy generation method and device, computer equipment and a storage medium, which comprise the following steps: receiving an original personnel list file of a target group; the target group comprises a plurality of target objects; the original personnel list file is parsed to obtain an original list field; field filling is performed in a preset insurance form template based on the original list field and the original personnel list file, so that an original insurance form of the target group is obtained; original user information and historical claim records of each target object are obtained based on the original insurance form; premium prediction is performed based on the original user information and the historical claim records, so that target premium data of each target object is obtained; a target insurance form of the target group is generated based on the target premium data of each target object and the original insurance form, and the target insurance form is sent to the target group. The application can be applied to a financial technology scene and improves the generation efficiency of a group insurance policy.
Owner:PING AN HEALTH INSURANCE CO LTD