The invention discloses a
homomorphic encryption-based cross-industry health insurance
data sharing and
privacy protection method, and relates to the technical field of health insurance
data security, and the method specifically comprises the steps: standardizing medical and insurance industry core data, quantifying key indexes such as a
disease clinical risk value and an occupational basic risk coefficient, achieving the format unification of cross-industry data, and achieving the
privacy protection of the cross-industry data; further generating ownership, risk and business labels, carrying out
encryption processing on data through
homomorphic encryption on the risk labels based on three scenes of data sensitivity and business influence grading, business
label binding pricing, underwriting and claim settlement prediction, adding an
integrity check code to high-risk data, screening ciphertexts based on the labels, and then executing fusion calculation; the comprehensive
risk adjustment coefficient
ciphertext is generated, the
data integrity is verified, the comprehensive
risk adjustment coefficient is obtained after collaborative decryption, the comprehensive
risk adjustment coefficient is applied to premium pricing, underwriting conclusion generation and claim risk pre-judgment, and the scientificity and accuracy of health insurance pricing and underwriting
decision making are improved.