Underwriting method and device based on intelligent wearable device and storage medium

A smart wearable device and underwriting technology, applied in the field of data analysis, can solve the problems of incomplete and accurate underwriting methods, low efficiency of manual underwriting, and failure to meet timeliness, so as to improve underwriting efficiency, meet timeliness, Underwriting comprehensive effect

Pending Publication Date: 2019-04-12
CHINA PING AN LIFE INSURANCE CO LTD
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

It can be seen that the efficiency of manual underwriting is low, and it cannot meet the timeliness of underwriting for the health status of customers, and in view of the difference in professional knowledge and business experience of underwriters, such an underwriting method is not suitable. comprehensive and accurate

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  • Underwriting method and device based on intelligent wearable device and storage medium
  • Underwriting method and device based on intelligent wearable device and storage medium
  • Underwriting method and device based on intelligent wearable device and storage medium

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Embodiment Construction

[0048] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0049] It should be noted that the descriptions involving "first", "second", etc. in the present invention are only for descriptive purposes, and should not be understood as indicating or implying their relative importance or implicitly indicating the number of indicated technical features . Thus, the features defined as "first" and "second" may explicitly or implicitly include at least one...

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Abstract

The invention relates to a data analysis technology, discloses an underwriting method and device based on an intelligent wearable device, and a storage medium. The method comprises the steps that fora client of a preset type of insurance type, life data uploaded by the client through a client of an intelligent wearable device, health data of the client obtained through monitoring of the intelligent wearable device and positioning data obtained through positioning of the intelligent wearable device are acquired in an underwriting period; analyzing the positioning data to obtain a correspondingplace name, obtaining basic information and an insurance type in the insurance policy information of the client, and analyzing the basic information, the life data, the health data and the place nameaccording to a predetermined analysis rule to obtain an insurance probability of the insurance type of the client; and determining an underwriting type corresponding to the insurance probability based on a predetermined mapping relationship between the insurance probability and the underwriting type. According to the method, the risk condition of the client is continuously monitored and the underwriting type is determined in the underwriting period, so that the underwriting timeliness is met, and the underwriting is comprehensive and accurate.

Description

technical field [0001] The invention relates to the technical field of data analysis, in particular to an underwriting method, device and storage medium based on smart wearable equipment. Background technique [0002] Insurance companies must underwrite the customer's insurance information before underwriting, so as to verify and fully grasp the information of the corresponding insurance subject to control risks. [0003] For medical insurance, critical illness insurance and accident insurance, which are related to the customer's physical health, the common underwriting method is generally the method of manual underwriting, that is, the underwriting personnel use their own experience to assess the user's age, occupation, Risk assessment is based on location, accumulated risk insurance amount, health report, insurance amount, insurance amount and other factors. It can be seen that the efficiency of manual underwriting is low, and it cannot meet the timeliness of underwriting...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 刘隽瑶
Owner CHINA PING AN LIFE INSURANCE CO LTD
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