The embodiment of the invention discloses a method, an apparatus and a device for online underwriting based on health insurance and a storage medium. The method comprises the steps of: obtaining inputunderwriting data of users for health insurance purchase demand; based on the underwriting data, generating a disease list required by a current underwriting; obtaining pre-configured disease names selected by the users and answers corresponding question lists according to the disease list and the disease names, and according to a preset related answer rule, generating the users' classification health notification; and based on the users' classification health notification, performing analysis of the underwriting data, and determining a current underwriting result for output. The technical scheme of the embodiment, the underwriting flow is simplified, the underwriting waiting period of uses with non-standard bodies is reduced, the users can rapidly obtain the underwriting conclusions, thewastage rate of the uses with non-standard bodies is reduced, and the user experience is improved.