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Intelligent underwriting processing method, server and storage medium

A processing method and underwriting technology, applied in the field of underwriting, can solve the problems of long review process time period and lost letters, and achieve the effect of shortening the insurance review period and reducing the workload

Inactive Publication Date: 2019-01-29
CHINA PING AN LIFE INSURANCE CO LTD
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

This leads to a relatively long time period for the entire review process, and there is a risk of letter loss during the express delivery process

Method used

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  • Intelligent underwriting processing method, server and storage medium
  • Intelligent underwriting processing method, server and storage medium
  • Intelligent underwriting processing method, server and storage medium

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Embodiment Construction

[0041] In view of the long review cycle of abnormal health of the applicant in the prior art and the disadvantage of the risk of letter loss, the purpose of the present invention is to provide an intelligent underwriting processing method, server and storage medium, which detects that the applicant has checked the abnormal health notification After the item, the disease questionnaire is generated for the policyholder to fill out, and the underwriting conclusion is automatically issued according to the answer options submitted by the policyholder, without manual processing, which reduces the workload of the underwriter and shortens the insurance review cycle. In order to make the object, technical solution and effect of the present invention more clear and definite, the present invention will be further described in detail below with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described here are only used to explain ...

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Abstract

The invention discloses an intelligent underwriting processing method, server and storage medium. The intelligent underwriting processing method receives the insurance application information of an insured person sent by a user terminal, and judges whether an abnormal health notification item in the insurance application information is selected or not. When the abnormal health notification item isselected, extracting a disease questionnaire corresponding to the disease type from a questionnaire database according to the selected disease type in the abnormal health notification item and feeding back the disease questionnaire to a user terminal; Receiving a disease questionnaire fed back by a user terminal, and calculating an insurance risk value according to an answer weight of a questionshown in the disease questionnaire and an option score of a selected option; When the insured risk value of the policyholder is less than the preset first risk threshold, the notification informationof the underwriting is fed back to the user terminal. Automatic issuance of underwriting conclusions is presented based on the answers submitted by the applicant without manual processing, so that theworkload of underwriters is reduced and the period of underwriting review is shortened.

Description

technical field [0001] The invention relates to the technical field of underwriting, in particular to an intelligent underwriting processing method, a server and a storage medium. Background technique [0002] In the existing insurance application process, when the applicant fills in the insurance application information online (that is, through the Internet), if the abnormal health notification item is checked (such as the option that the applicant has heart disease, hepatitis B, etc.) ), the applicant’s insurance application materials will be submitted to the insurance application system for inspection and then manually reviewed. The reviewer of the manual review first prints out a paper letter containing multiple investigation questions according to the abnormal health notification item, and expresses the paper letter and confirmation receipt to the policyholder together. After the policyholder completes the signature of the reply to the paper letter and the signature of...

Claims

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Application Information

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IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 刘刚
Owner CHINA PING AN LIFE INSURANCE CO LTD
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