The invention relates to the technical field of risk management and control, and particularly discloses a to-be-early-warned insurance policy query method and device based on geometric
cutting, equipment and a medium. According to the method, screening is carried out according to the disaster
risk type, the to-be-screened insurance policy
list is obtained, the number of insurance policies is reduced, geometric
cutting is carried out on the disaster
risk area according to the preset
cutting parameters, at least one
convex polygon area is obtained, the disaster
risk area with a complex boundary is converted into a simple
convex polygon area, and the risk of disaster risk is reduced. The complexity of polygons and the space judgment calculation amount are reduced, so that the insurance policy query efficiency is improved; moreover, the
cut convex polygon geometry can completely coincide with the original
risk area, so that the edge precision of the risk area is prevented from being reduced, and the policy query accuracy is ensured. The scheme is applied to financial insurance services such as property insurance and agricultural insurance, the insurance policy to be pre-warned with the underwriting address located in the disaster risk area can be quickly inquired, and pre-warning is sent to the personnel to be pre-warned, so that the loss caused by disasters is reduced.