Group insurance premium assessment method and apparatus, computer equipment and storage medium

Abstract

The invention provides a group insurance premium assessment method. The method comprises the following steps of acquiring a target insurance buying scheme of an insurance premium to be assessed from adatabase; extracting an insurance buying factor which influences an insurance premium price in the target insurance buying scheme; according to the insurance buying factor, searching a historical insurance buying scheme set matching with the target insurance buying scheme; acquiring the insurance premium price corresponding to each insurance buying scheme in the historical insurance buying schemeset; according to the acquired insurance premium price corresponding to each insurance buying scheme, determining an initial price range corresponding to the target insurance buying scheme; acquiringa total amount of insurance premiums in a previous period; according to the total amount of insurance premiums, determining a corresponding adjusting factor; and according to the adjusting factor andthe initial price range, determining an insurance premium price range corresponding to the target insurance buying scheme. In the method, a whole process can be completed automatically, labor savingand time saving are achieved, an assessment standard is uniform and accuracy is high. In addition, the invention also provides a group insurance premium assessment apparatus, computer equipment and astorage medium.

Description

technical field [0001] The present invention relates to the field of computer processing, in particular to a method, device, computer equipment and storage medium for group insurance premium evaluation. Background technique [0002] With the development of the insurance industry, more and more people began to buy insurance. For group insurance business, insurance companies often use underwriters to quote manually based on experience. Different underwriters have different experience and cognition, so the quotation results vary from person to person. Obviously, there is no uniform standard for group insurance premiums relying on manual quotation. The accuracy is not high, and time-consuming and labor-intensive. Contents of the invention [0003] Based on this, it is necessary to propose a time-saving, labor-saving and highly accurate group insurance premium evaluation method, device, computer equipment and storage medium for the above-mentioned problems. [0004] A method ...

AI Technical Summary

Problems solved by technology

For group insurance business, insurance companies often use underwriters to quote manually based on experience. Different underwriters have different experience and cognition, so the quotation results vary from person to person. Obviously, there is no uniform standard for group insurance premiums relying on manual quotation. The accuracy is not high, and time-consuming and labor-intensive

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