Insurance intelligent quotation method and device, medium and electronic equipment

An intelligent and insurance technology, applied in the information field, can solve problems such as poor access mechanism security, and achieve the effects of saving costs, speeding up testing efficiency, and reducing workload

Inactive Publication Date: 2019-08-16
TAIKANG LIFE INSURANCE CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of the embodiments of the present disclosure is to provide a smart insurance quotation method, device, medium an...

Method used

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  • Insurance intelligent quotation method and device, medium and electronic equipment
  • Insurance intelligent quotation method and device, medium and electronic equipment
  • Insurance intelligent quotation method and device, medium and electronic equipment

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Embodiment Construction

[0060] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their repeated descriptions will be omitted.

[0061]Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of...

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Abstract

The embodiment of the invention relates to the technical field of information, and provides an insurance intelligent quotation method and device, a medium and electronic equipment, and the method comprises the steps: carrying out the measurement and calculation according to the responsibility pricing according to the obtained historical underwriting data and historical claim settlement data, and obtaining an intermediate table; constructing a pricing model according to the intermediate table; inputting the attribute information of the insured customer and the insurance type scheme into the pricing model to obtain a forecast price; and carrying out corresponding correction on the forecast price according to an insuring scheme to obtain a final quotation. According to the embodiment of the invention, aiming at the group insurance, the forecast price is calculated by the installed and constructed pricing model, and the forecast price is correspondingly corrected, so that more accurate final quotation is obtained. According to different types of insurance type responsibilities, an intermediate table composed of a multi-dimensional risk factor table, a reference rate table and the likeis established to construct a pricing model, the future compensation condition of the group can be predicted more accurately, the precision of the model is improved, and the precision of price prediction is further improved.

Description

technical field [0001] The present disclosure relates to the field of information technology, in particular, to an insurance intelligent quotation method, device, medium and electronic equipment. Background technique [0002] The characteristics of the group insurance business in the insurance industry are: the product is the carrier, and the specific business needs to be priced on a case-by-case basis. At present, the common practice in the market is: in terms of non-health insurance business, the model of package package is mostly used for processing; in terms of health insurance business, such as relying on the simple quotation model of the stand-alone version by relying on Rui Re, and relying on the actuarial calculation to realize the simple quotation model of the stand-alone version Quotation model, the data is updated once a year. [0003] However, since the model is fixed, it cannot be effectively trained and iterated. Therefore, objective and scientific risk asses...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06Q30/02
CPCG06Q30/0283G06Q40/08
Inventor 穆丽尹冰艳邓松杨雪峰
Owner TAIKANG LIFE INSURANCE CO LTD
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