The invention provides an insurance pre-claim settlement method and device,
electronic equipment and a storage medium, and relates to the technical field of insurance claim settlement. The insurance pre-claim settlement method comprises the following steps: acquiring a
medical diagnostic book of a to-be-claimed user, wherein personal information of the to-be-claimed user is recorded in the
medical diagnostic book; querying an insurance type and a claim amount of an insurance purchased by the to-be-claimed user according to the personal information; obtaining a
medical record of the user to be subjected to claim settlement from a medical
database, wherein medical project details and
drug list details are recorded in the
medical record; and on the basis of the claim terms, the medical project details, the
drug list details and the claim amount corresponding to the insurance type, determining the claim amount for the user to be claimed, so that the user to be claimed can deduct the medical expense according to the claim amount when
settling the expense. According to the insurance pre-claim settlement method and device, the
electronic equipment and the storage medium provided by the invention, the claim settlement amount calculation and the claim settlement
payment for the to-be-claimed user can be very conveniently and quickly completed.