CN117036059A - Financial insurance product, fine calculation price determining method and related equipment thereof - Google Patents
Financial insurance product, fine calculation price determining method and related equipment thereof Download PDFInfo
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- CN117036059A CN117036059A CN202311092279.6A CN202311092279A CN117036059A CN 117036059 A CN117036059 A CN 117036059A CN 202311092279 A CN202311092279 A CN 202311092279A CN 117036059 A CN117036059 A CN 117036059A
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- 238000000034 method Methods 0.000 title claims abstract description 21
- 238000004364 calculation method Methods 0.000 title claims description 9
- 230000036541 health Effects 0.000 claims abstract description 111
- 230000008901 benefit Effects 0.000 claims abstract description 13
- 230000005548 health behavior Effects 0.000 claims abstract description 6
- 201000010099 disease Diseases 0.000 claims description 18
- 208000037265 diseases, disorders, signs and symptoms Diseases 0.000 claims description 18
- 238000003745 diagnosis Methods 0.000 claims description 14
- 208000017667 Chronic Disease Diseases 0.000 claims description 6
- 230000000694 effects Effects 0.000 claims description 6
- 238000011156 evaluation Methods 0.000 claims description 6
- 230000008859 change Effects 0.000 claims description 5
- 238000001514 detection method Methods 0.000 claims description 5
- 229940079593 drug Drugs 0.000 claims description 5
- 239000003814 drug Substances 0.000 claims description 5
- 238000012502 risk assessment Methods 0.000 claims description 5
- 238000004590 computer program Methods 0.000 claims description 4
- 238000012423 maintenance Methods 0.000 claims description 4
- 230000002265 prevention Effects 0.000 claims description 4
- 230000037213 diet Effects 0.000 claims description 3
- 235000005911 diet Nutrition 0.000 claims description 3
- 230000006806 disease prevention Effects 0.000 claims description 3
- 238000005259 measurement Methods 0.000 claims description 3
- 230000008569 process Effects 0.000 claims description 3
- 238000012552 review Methods 0.000 claims description 3
- 230000000474 nursing effect Effects 0.000 claims description 2
- 238000013329 compounding Methods 0.000 abstract description 2
- 238000003032 molecular docking Methods 0.000 abstract 1
- 238000011161 development Methods 0.000 description 3
- 230000018109 developmental process Effects 0.000 description 3
- 230000032683 aging Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000036642 wellbeing Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 210000001503 joint Anatomy 0.000 description 1
- 230000007774 longterm Effects 0.000 description 1
- 238000002844 melting Methods 0.000 description 1
- 230000008018 melting Effects 0.000 description 1
- 230000001105 regulatory effect Effects 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0283—Price estimation or determination
Abstract
The invention discloses a financial insurance product, a fine price determining method and related equipment thereof, comprising the following steps: s1, acquiring insured person data; s2, establishing a health file for the insured; s3, pricing the health risk purchased by the insured. According to the invention, the on-line service is provided for the insured person and the docking mode with an off-line medical institution is adopted, the body data of the insured person are obtained, the data are integrated, the electronic health record is established, the pricing of the health insurance purchased by the insured person in different age groups is calculated through the generalized linear model, meanwhile, the benefit of the insured product of the insured person is reduced through the daily health behavior record of the insured person, so that the insurance price of the insured person is calculated, the insurance is priced according to the age and the body health condition of the insured person, one person is monovalent, and meanwhile, the health life compounding and health care service can be provided for the insured person during the insurance period, so that the health insurance provides the insured person with the accurate personalized health management service.
Description
Technical Field
The invention relates to the technical field of financial insurance, in particular to a financial insurance product, a fine calculation price determining method and related equipment thereof.
Background
Financial insurance is a combination of finance and insurance. Finance refers to the melting of monetary funds, and is a generic term for regulating activities of monetary circulation centered on banks. Banks and other financial institutions manage deposit, paying, saving, bill cash, foreign exchange, settlement, trust, investment, financial lease, issuing securities and other businesses, which belong to financial businesses, and with the rapid development of economy, the national income level and the education level are continuously improved, and health risks are getting more and more attention.
In the prior art, for example, the Chinese patent number is: the "a financial insurance product and its fine-calculating and price-setting method and related equipment" of CN113506135a, for insured persons attempting to enter certain specific professions, the insurance amount is paid from the beginning unconditionally while or soon after the insured persons take effect, and when the professional income of the insured persons reaches a certain degree or reaches a certain professional development stage, the corresponding premium is charged according to the income level or the professional development stage thereof, and the financial insurance product is a long-term insurance, the insurance amount is paid first and the premium is charged later.
However, in the prior art, for the current national health care state, on one hand, due to the serious aging problem, the health care of the elderly is excluded from the target insured people for insurance, and on the other hand, due to the weak health care consciousness of young people, the need for high-price health insurance is not urgent, the existing health insurance cannot accurately price each insured person, the need for health insurance of each consumer group cannot be met, and personalized service products cannot be provided for each person.
Disclosure of Invention
The invention aims to provide a financial insurance product, a fine price determining method and related equipment thereof, so as to solve the problems that the health insurance of the old people is excluded from the insured target due to serious aging and the health insurance of the young people is not urgent due to weak health insurance consciousness of the young people, the prior health insurance cannot accurately price each insured person, the health insurance requirement of each consumer group cannot be met, and personalized service products cannot be provided for each person.
In order to achieve the above purpose, the present invention provides the following technical solutions: a financial insurance product fine-calculation price-determining method, comprising the following steps:
s1, acquiring insured person data: providing online service for the insured person and collecting offline diagnosis and treatment data of the insured person;
s2, establishing a health file for the insured life: by integrating the data of the insured, a large number of electronic health files of the insured are established, personal health information is provided for the insured at any time, and the whole-course medical and insurance service for the insured before, during and after the insured is finally realized;
s3, pricing the purchase health risk of the insured: calculating pricing of the insured persons purchasing health risks in different age groups through a generalized linear model;
s4, evaluating the preference amplitude of the insurance product of the insured person: the daily health behavior records of the insured person are used for evaluating the obtained benefit of the insured product, and the higher the health credit is, the higher the obtained benefit of the insured product is, so that the benefit is floated by the health credit, different persons have different prices, the insurance cost of different insured persons is calculated, the different insured persons are priced in a proper quantity, and personalized health insurance service is provided.
Preferably, in step S1, the acquiring the insured life includes the steps of:
s11, providing free online consultation service for the insured, connecting thousands of doctors with a plurality of insured persons, enabling the insured persons to find out proper doctors through the Internet, and enabling the insured persons to know own health information at any time;
s12, reserving hospital expert numbers of insured persons who seek medical services off line, acquiring medical data of diagnosis of the insured persons on line, building a medical service closed loop for comprehensive management of on-line inquiry, on-line initial diagnosis, on-line review and client health management information by means of an off-line medical institution, and providing health management services covering the whole process of seeking medical services by providing medical services to change the business mode and the profit mode of health risks.
Preferably, in step S12, the obtaining the medical data of the insured life includes evaluating objective data, service capability, treatment effect, evaluation index, actual diagnosis and treatment path, scheme, medication directory, association relationship among diseases, etc. of the medical institution for different diseases.
Preferably, in step S2, the insured person data includes various data such as age, diet, lifestyle, chronic disease measurement, etc. of the insured person, and is directly docked with an offline medical institution, so as to acquire and integrate the insured person data, prevent the insured person from providing fraud detection reports, acquire the insured person body data in real time, grasp risk assessment, and perform prior risk prevention and control on the serious insured person, thereby effectively preventing unaware and reverse selection risks.
Preferably, in step S3, the generalized linear model formula is as follows:
the health risk pricing calculation formula is as follows:
wherein y represents the age of the insured life when the insured life is insured, m represents the onset of disease of the insured life after m years, state 1 represents health, state 2 represents disease,representing the risk of the insured purchasing insurance in the age of y years and the onset of the insurance in the age of y+m years, v being the discount factor,>i represents the interest rate.
A financial insurance product constructs an ecological mode of 'insurance + health management' and 'insurance + health care', facing healthy and ill groups.
Preferably, the "insurance+health management" provides health life services for healthy groups, including health physical examination, health consultation, health promotion and disease prevention, and the "insurance+health maintenance" provides chronic disease management, medical services and rehabilitation care for diseased groups.
Preferably, the insurance amount of the financial insurance product is paid by years, the physical condition of the insured person is reevaluated every year, a new insurance amount is generated, and a new personalized service product is formulated according to the age increase and the physical condition change of the insured person.
A computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor.
Compared with the prior art, the invention has the beneficial effects that:
the invention prevents the insured from providing fraud detection report by providing online service for the insured and directly interfacing with offline medical institutions, acquires the insured body data in real time, grasps risk assessment, prevents and controls the risk of the insured in advance for the insured, effectively prevents the unappropriate and reverse selection of risks, simultaneously evaluates objective data, service capability, treatment effect, evaluation indexes, actual diagnosis and treatment paths of different diseases in different medical institutions, schemes, medication catalogues, association relations among diseases and other basic risks of the different diseases, integrates the insured data, establishes the electronic health file of the insured, can provide personal health information for the insured at any time, calculates pricing of purchasing health risks of the insured at different age groups through a generalized linear model, meanwhile, the daily health behavior of the insured person is recorded, the benefit ratio preference of the insured product of the insured person is calculated, the insured person is priced according to the age and the physical health condition of the insured person, one person is monovalent, meanwhile, health life compounding and health maintenance services can be provided for the insured person during the insured period, the health insurance provides precise personalized health management services for the insured person, benign interaction and closed-loop management between the insurance and the health management services are realized, the data are acquired, accumulated, analyzed, classified, risk preference is mastered, customer classification is prepared, customer requirements are positioned, and the personalized products and services are provided for the insured person by using strong data background and precise risk pricing and real-time data exchange.
Drawings
FIG. 1 is a flow chart of a financial insurance product, a method for calculating and price thereof and related equipment according to the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is evident that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Examples
Referring to fig. 1, it is shown that: a financial insurance product fine-calculation price-determining method, comprising the following steps:
step one, acquiring insured person data: providing online service for the insured person and collecting offline diagnosis and treatment data of the insured person;
wherein, the acquiring of the insured life data comprises the following steps:
11. the method has the advantages that free online consultation service is provided for the insured, thousands of doctors are connected with a plurality of insured persons, the insured persons can find out proper doctors through the Internet, and the insured persons can know own health information at any time;
specifically, the acquisition of the medical data of the insured life includes evaluation of objective data, service capacity, treatment effect, evaluation index, actual diagnosis and treatment paths, schemes and medication catalogues of different diseases in different medical institutions, association relations among diseases and other basic risks of the medical institutions;
12. the insured person who helps the off-line medical visit makes a reservation of a hospital expert number, acquires medical data of the on-line diagnosis of the insured person, builds a medical service closed loop for comprehensive management of on-line inquiry, off-line initial diagnosis, on-line review and client health management information by means of an off-line medical institution, and provides health management services covering the whole process of the medical visit by providing medical services to change the business mode and the profit mode of health risks.
Step two, establishing a health file for the insured life: by integrating the data of the insured, a large number of electronic health files of the insured are established, personal health information is provided for the insured at any time, and the whole-course medical and insurance service for the insured before, during and after the insured is finally realized;
the insured person data comprise various data such as age, diet, living habit, chronic disease measurement and the like of the insured person, are directly in butt joint with an off-line medical institution, acquire and integrate the insured person data, prevent the insured person from providing a fraud detection report, acquire the insured person body data in real time, grasp risk assessment, and perform advanced risk prevention and control on serious disease insured persons, so that unrealistic notification and counter-selection risks are effectively prevented.
Step three, pricing the purchase health risk of the insured: calculating pricing of the insured persons purchasing health risks in different age groups through a generalized linear model;
wherein the generalized linear model formula is as follows:
the health risk pricing calculation formula is as follows:
wherein y represents the age of the insured life when the insured life is insured, m represents the onset of disease of the insured life after m years, state 1 represents health, state 2 represents disease,representing the risk of the insured purchasing insurance in the age of y years and the onset of the insurance in the age of y+m years, v being the discount factor,>i represents the interest rate.
Step four, evaluating the preference amplitude of the insurance product of the insured: the daily health behavior records of the insured person are used for evaluating the obtained benefit of the insured product, and the higher the health credit is, the higher the obtained benefit of the insured product is, so that the benefit is floated by the health credit, different persons have different prices, the insurance cost of different insured persons is calculated, the different insured persons are priced in a proper quantity, and personalized health insurance service is provided.
A financial insurance product constructs an ecological mode of 'insurance + health management' and 'insurance + health care', facing healthy and ill groups.
The health care system comprises a health group, an insurance and health management system, a health management system and a health management system, wherein the insurance and health management system provides health life services for the health group, including health physical examination, health consultation, health promotion and disease prevention, and the insurance and health maintenance system performs chronic disease management, medical service and rehabilitation nursing for the ill group; the insurance amount of the financial insurance product adopts a annual payment mode, the physical condition of the insured person is reevaluated every year, a new insurance amount is generated, and a new personalized service product is formulated according to the age increase and the physical condition change of the insured person.
A computer device includes a memory, a processor, and a computer program stored on the memory and executable on the processor.
According to the invention, by providing online service for the insured and directly interfacing with an offline medical institution, the insured is prevented from providing fraud detection reports, personal health information is obtained in real time, risk assessment is mastered, pre-risk prevention and control are carried out on the insured of the critical class, risks are effectively prevented from being informed and inversely selected, objective data, service capability, treatment effect, evaluation indexes, actual diagnosis and treatment paths of different diseases in different medical institutions, schemes, medication catalogues, association relations among diseases and other basic risks are required to be assessed, data of the insured are integrated, electronic health files of the insured are established, personal health information can be provided for the insured at any time, pricing of health risks of the insured of different age ranges is calculated through a generalized linear model, and simultaneously, benefit preference of insurance products of the insured is calculated through daily health behavior records of the insured, and pricing is carried out on the insurance products of the insured, one person is realized, in a monovalent period, complex insurance of different age ranges and health conditions are provided, the complex health insurance of the insured and health risks of the different age ranges are accurately provided, the service requirements and the customer, the health management system is accurately provided, the service is well-known, the requirements are provided, the real-time is provided, and the data is well-being provided, and the health management is well-being has good, and the performance is provided, and has good-quality and has good performance.
Although the present invention has been described with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described, or equivalents may be substituted for elements thereof, and any modifications, equivalents, improvements and changes may be made without departing from the spirit and principles of the present invention.
Claims (9)
1. A financial insurance product fine calculation price determining method is characterized in that: the method comprises the following steps:
s1, acquiring insured person data: providing online service for the insured person and collecting offline diagnosis and treatment data of the insured person;
s2, establishing a health file for the insured life: by integrating the data of the insured, a large number of electronic health files of the insured are established, personal health information is provided for the insured at any time, and the whole-course medical and insurance service for the insured before, during and after the insured is finally realized;
s3, pricing the purchase health risk of the insured: calculating pricing of the insured persons purchasing health risks in different age groups through a generalized linear model;
s4, evaluating the preference amplitude of the insurance product of the insured person: the daily health behavior records of the insured person are used for evaluating the obtained benefit of the insured product, and the higher the health credit is, the higher the obtained benefit of the insured product is, so that the benefit is floated by the health credit, different persons have different prices, the insurance cost of different insured persons is calculated, the different insured persons are priced in a proper quantity, and personalized health insurance service is provided.
2. The method for fine pricing of a financial security product of claim 1, wherein: in step S1, the acquiring the insured life data includes the steps of:
s11, providing free online consultation service for the insured, connecting thousands of doctors with a plurality of insured persons, enabling the insured persons to find out proper doctors through the Internet, and enabling the insured persons to know own health information at any time;
s12, reserving hospital expert numbers of insured persons who seek medical services off line, acquiring medical data of diagnosis of the insured persons on line, building a medical service closed loop for comprehensive management of on-line inquiry, on-line initial diagnosis, on-line review and client health management information by means of an off-line medical institution, and providing health management services covering the whole process of seeking medical services by providing medical services to change the business mode and the profit mode of health risks.
3. A method of fine pricing a financial security product as defined in claim 2, wherein: in step S12, the obtaining the medical data of the insured life includes evaluating objective data, service capability, treatment effect, evaluation index, actual diagnosis and treatment path, scheme, medication directory, association relationship among diseases, etc. of the medical institutions.
4. The method for fine pricing of a financial security product of claim 1, wherein: in step S2, the insured person data includes various data such as age, diet, living habit, chronic disease measurement, etc. of the insured person, and is directly docked with an offline medical institution to acquire and integrate the insured person data, so as to prevent the insured person from providing fraud detection reports, acquire the insured person body data in real time, grasp risk assessment, and perform prior risk prevention and control on serious disease insured persons, thereby effectively preventing unrealistic notification and counter-selection risks.
5. The method for fine pricing of a financial security product of claim 1, wherein: in step S3, the generalized linear model formula is as follows:
the health risk pricing calculation formula is as follows:
wherein y represents the age of the insured life when the insured life is insured, m represents the onset of disease of the insured life after m years, state 1 represents health, state 2 represents disease,the risk of the insured purchasing insurance in the age of y and the onset of insurance in the age of y+m is indicated, v is a discount factor,i represents the interest rate.
6. A financial security product, a method of fine pricing using a financial security product as claimed in any one of claims 1 to 5, characterised in that: the product builds ecological modes of 'insurance + health management' and 'insurance + health care', and is oriented to healthy groups and diseased middle-aged and elderly groups.
7. A financial security product as claimed in claim 6, wherein: the insurance and health management provides health life services for healthy groups, including health physical examination, health consultation, health promotion and disease prevention, and the insurance and health maintenance provides chronic disease management, medical treatment service and rehabilitation nursing for the sick middle-aged and elderly groups.
8. A financial security product as claimed in claim 6, wherein: the insurance amount of the financial insurance product adopts a annual payment mode, and the physical condition of an insured person is reevaluated every year to generate a new insurance amount.
9. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized by: the processor, when executing the computer program, implements a financial insurance product fine-priced method as claimed in any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311092279.6A CN117036059A (en) | 2023-08-28 | 2023-08-28 | Financial insurance product, fine calculation price determining method and related equipment thereof |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311092279.6A CN117036059A (en) | 2023-08-28 | 2023-08-28 | Financial insurance product, fine calculation price determining method and related equipment thereof |
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| Publication Number | Publication Date |
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| CN117036059A true CN117036059A (en) | 2023-11-10 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202311092279.6A Pending CN117036059A (en) | 2023-08-28 | 2023-08-28 | Financial insurance product, fine calculation price determining method and related equipment thereof |
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| Country | Link |
|---|---|
| CN (1) | CN117036059A (en) |
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- 2023-08-28 CN CN202311092279.6A patent/CN117036059A/en active Pending
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