Method and server for obtaining insurance claim settlement quota

Abstract

The invention discloses a method and server for obtaining an insurance claim settlement quota. The latest medical data corresponding to the last time an insurance user sees the doctor are obtained; historical medical data corresponding to a preset time length in which the insurance user sees the doctor are obtained; analyzing the obtained historical medical data, and determining a user claim settlement rule corresponding to the insurance user; and on the basis of the obtained latest medical data, according to the determined user claim settlement rule, a claim settlement quota corresponding to the insurance user is calculated, so that corresponding claim settlement is performed on the insurance user according to the claim settlement quota obtained by calculation. The method and server for obtaining the insurance claim settlement quota has the beneficial effect that the claim settlement amount of the insurance user is obtained according to the personal specific circumstance of the insurance user, the claim settlement risks are lowered, and the claim settlement amount is more targeted.

Description

technical field [0001] The invention relates to the technical field of insurance claims, in particular to a method and server for acquiring an insurance claim amount. Background technique [0002] With the continuous improvement of people's living standards and the continuous improvement of ideology, more and more people have the awareness of insurance and actively choose to purchase corresponding types of insurance, such as health insurance and property insurance. For the insurance type of health insurance, at present, more than 100 insurance companies in China have launched the business of health insurance. However, when calculating the claim amount of health insurance, there are the following problems: [0003] When most insurance companies settle claims, the amount of claims is roughly the same for different health conditions of different insured users; Therefore, the risk control of health insurance is poor, which also leads to adverse consequences such as high claim ...

AI Technical Summary

Problems solved by technology

[0003] When most insurance companies settle claims, the amount of claims is roughly the same for different health conditions of different insured users; The amount of claims; therefore, the risk control of health insurance is poor, which also leads to adverse consequences such as high claim settlement rate and large claim amount. The health insurance business of some insurance companies even suffers from long-term loss

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