CN104751365A - Medical insurance real-time premium calculation method - Google Patents
Medical insurance real-time premium calculation method Download PDFInfo
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- CN104751365A CN104751365A CN201310738260.4A CN201310738260A CN104751365A CN 104751365 A CN104751365 A CN 104751365A CN 201310738260 A CN201310738260 A CN 201310738260A CN 104751365 A CN104751365 A CN 104751365A
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Abstract
The invention relates to the field of insurance, and particularly relates to a real-time premium calculation method. According to the technical scheme adopted by the invention, the method comprises the following steps: step S11, acquiring premium cost data, a premium calculation unit and a billing time cycle of a user insurance application; step S12, setting initial premium; and S13, making statistical analysis of sensor module data in the billing cycle, checking the daily premium change according to the premium calculation unit, and providing a user health plan and user periodic premium data. According to the invention, legitimate rights and interests of insured persons are taken into full account, the medical insurance participation mechanism is made more in line with the wishes of the masses, parameters of the surrounding environment are provided for insured persons, and insured persons can be practically and effectively reminded of the surrounding environment.
Description
Technical field
The present invention relates to automatic technology, especially relate to a kind of premium computing method in real time.
Background technology
Along with the raising of people's living standard, insurance industry is answered Times ' Demand and emerges, and life that the current various kind of insurance is people provides and ensures.People there has also been new cognition for insurance. and premium of insurance, as the transaction entity of the insurer and insurance company, has become the core of insurance on calculating and assessing.
Current premium of insurance adopts merely the mode by safe time (year) charging.And risk for insurance is directly relevant to the state of user.In period insured, be that the occurrence risk of accident is often decided by specific risks and assumptions.Therefore according to specific risks and assumptions, the account form that premium has become industry universal is calculated.But same this account form, according to the difference of individuality, also exists potential defect.
Different also exists respective otherness by protecting colony.In period insured, the risk of the insurance risk that the surrounding environment of insured person group is good will inevitably reduce, and the risk of the generation insurance risk of contrary surrounding environment difference will increase.Therefore, traditional medical insurance charge method is unfair, and medical insurance premium calculates premium under should taking into full account the ambient conditions of user and own health situation, so just fairer and more reasonable.
But because medical insurance has people self, surrounding environment and unexpected factor to determine, wherein self and unexpected factor are irresistible factor, therefore need to propose a set of medical insurance computing method based on ambient environmental factors.
Summary of the invention
For above-mentioned deficiency of the prior art, the invention provides the real-time premium computing method of a kind of medical insurance, it is novel in design, and the scope of application is wider, simple to operate, popular, more facilitates to customer group.
The technical scheme that the present invention is adopted for achieving the above object is: the real-time premium computing method of a kind of medical insurance, comprise the following steps:
Step S1: obtain user and to insure the premium cost data of application, premium computing unit and metering period;
Step S2: described initial premium is set;
Step S3: in metering period, statistics sensor die blocks of data, adjusts day premium change according to described premium computing unit.
Described sensor assembly, for the medical-risk data after starting according to charging, and transmits medical-risk data to premium computing module.
It is several that described sensor assembly comprises in position transducer, air mass sensor, sound transducer, baroceptor, Temperature Humidity Sensor;
Described position transducer, for measuring the positional information of user, determines current city environmental index;
Described air mass sensor is for measuring the on-site air quality of user;
Described sound transducer is for measuring the noise decibel of environment residing for user;
Described baroceptor is for measuring the current ambient pressure of user;
Described Temperature Humidity Sensor is mainly used in measuring the current temperature of user and humidity.
Described step S1 comprises:
Step S11: user submits application of insuring to, extracts the premium expense in described medical insurance;
Step S12: to user insure application described premium expense verify;
Step S13: obtain and verify premium cost data, premium computing unit and chargeable time cycle described in the described premium expense passed through and predetermined template generation.
Described step S2 comprises: premium cost data is set, valid period of insuring, premium calculative strategy.
Described step S2 also comprises: if premium cost data, valid period of insuring, premium calculative strategy change, then described premium cost data is changed indicate, valid period of insuring change indicate, premium calculative strategy changes sign and is set to change.
Described step S3 comprises:
Step S31: in metering period, the content of described premium cost data is sent to premium computing unit;
Step S32: calculate described day premium change according to described premium expense, described sensor die blocks of data and described charging policy according to described premium computing unit;
Step S33: described user health plan and described user's cycle premium data are provided.
Described step S32 comprises: if described premium cost data changes sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change, then computing unit calculates described day premium change according to described premium expense, described sensor die blocks of data and described charging policy.
Described step S3 also comprises: described premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes sign and is set to not change.
Also comprise:
Step S4: at the beginning of each computation period, is set to history cycle premium data by described premium cost data, and provides user health plan and user's cycle premium data.
The present invention has the following advantages and beneficial effect:
1, the present invention takes into full account the legitimate rights and interests of insured person, can be that the insured mechanism of medical insurance meets the popular will more.
2, the present invention is simultaneously for insured person provides ambient parameters, but the insured person's ambient conditions of effective prompting, be convenient to insured person and keep fit.
3, the present invention can the information of counting user effectively, and distinguish in excessive risk factor group, and insurance institution can more rational whereby insurance scheme.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of the inventive method;
Fig. 2 is the present invention's operational flowchart in actual applications.
Embodiment
Below in conjunction with drawings and Examples, the present invention is described in further detail.
See Fig. 1, in the real-time premium computing method of described medical insurance, technical scheme comprises:
Step S11: obtain user and insure premium cost data, premium computing unit and the chargeable time cycle of applying for.
Step S12: described initialization premium is set.According to premium cost data, valid period of insuring, premium calculative strategy.
Step S13: in metering period, statistics sensor die blocks of data, adjusts day premium change according to described premium computing unit, and provides user health plan and user's cycle premium data.
See Fig. 2, the concrete implementing procedure of described medical insurance real-time premium computing method is as follows:
Step S21: user submits application of insuring to, extracts the premium expense in described medical insurance.User pays corresponding insurance premium according to insurance period and insurance amount.
Step S22: to user insure application described premium expense verify.The main verification premium amount of money, the premium time limit.
Step S23: obtain and verify premium cost data, premium computing unit and chargeable time cycle described in the described premium expense passed through and predetermined template generation.
Step S24: premium cost data is set, valid period of insuring, premium calculative strategy.Such as, premium cost data, valid period of insuring, premium calculative strategy change, then described premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change.
Step S25: in metering period, the content of described premium cost data is sent to premium computing unit.
Step S26: calculate described day premium change according to described premium expense, described sensor die blocks of data and described charging policy according to described premium computing unit.Such as, described premium cost data changes sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change, then computing unit calculates described day premium change according to described premium expense, described sensor die blocks of data and described charging policy.
Step S27: described user health plan and described user's cycle premium data are provided.Described premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes sign and is set to not change.
Step S28: at the beginning of each computation period, is set to history cycle premium data by described premium cost data, and is provided for health plan.
The present invention's embodiment below will be described.In this example, medical insurance metering period is one month, and expense was paid the beginning of the month.
In this example, the accounting data of premium primarily of premium cost data, premium computing unit and chargeable time cycle.The declaration form valid data that user insures are premium cost data, valid period of insuring, premium calculative strategy.Premium computing unit monthly regenerates, and comprises this month current gross premium, and real-time premium and by date premium change form.
The calculation procedure of real-time premium is as follows:
Step S31: user submits application of insuring to, extracts the premium expense in described medical insurance.User pays corresponding insurance premium according to insurance period and insurance amount.Mechanism of insuring verifies the insure described premium expense of application of user, main verifies the premium amount of money, the premium time limit.Thus mechanism of insuring obtains and verifies premium cost data, premium computing unit and chargeable time cycle described in the described premium expense passed through and predetermined template generation.
Step S32: described initialization premium is set.According to premium cost data, valid period of insuring, premium calculative strategy, premium cost data is set, valid period of insuring, premium calculative strategy.Such as, premium cost data, valid period of insuring, premium calculative strategy change, then described premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change.
Step S33: within the charging moon, statistics sensor die blocks of data, adjusts day premium change according to described premium computing unit, and provides user health plan and user's cycle premium data.
In embodiment, in metering period, the content of described premium cost data is sent to premium computing unit.Described day premium change is calculated according to described premium expense, described sensor die blocks of data and described charging policy according to described premium computing unit.Such as, described premium cost data changes sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change, then computing unit calculates described day premium change according to described premium expense, described sensor die blocks of data and described charging policy.Then premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes sign and is set to not change.
Step S34: in every month, is set to history cycle premium data by described premium cost data, and is provided for health plan.
The described term of validity of insuring is insured the cycle for user.
Described charging policy comprises discount ratio.
In sum, the present invention takes into full account the legitimate rights and interests of insured person, can be that the insured mechanism of medical insurance meets the popular will more.The present invention provides ambient parameters for insured person simultaneously, but the insured person's ambient conditions of effective prompting, be convenient to insured person and keep fit.
Claims (10)
1. the real-time premium computing method of medical insurance, is characterized in that, comprise the following steps:
Step S1: obtain user and to insure the premium cost data of application, premium computing unit and metering period;
Step S2: described initial premium is set;
Step S3: in metering period, statistics sensor die blocks of data, adjusts day premium change according to described premium computing unit.
2. the real-time premium computing method of medical insurance according to claim 1, is characterized in that, described sensor assembly, for the medical-risk data after starting according to charging, and transmit medical-risk data to premium computing module.
3. the real-time premium computing method of medical insurance according to claim 2, is characterized in that, it is several that described sensor assembly comprises in position transducer, air mass sensor, sound transducer, baroceptor, Temperature Humidity Sensor;
Described position transducer, for measuring the positional information of user, determines current city environmental index;
Described air mass sensor is for measuring the on-site air quality of user;
Described sound transducer is for measuring the noise decibel of environment residing for user;
Described baroceptor is for measuring the current ambient pressure of user;
Described Temperature Humidity Sensor is mainly used in measuring the current temperature of user and humidity.
4. the real-time premium computing method of medical insurance according to claim 1, it is characterized in that, described step S1 comprises:
Step S11: user submits application of insuring to, extracts the premium expense in described medical insurance;
Step S12: to user insure application described premium expense verify;
Step S13: obtain and verify premium cost data, premium computing unit and chargeable time cycle described in the described premium expense passed through and predetermined template generation.
5. the real-time premium computing method of medical insurance according to claim 1, it is characterized in that, described step S2 comprises: premium cost data is set, valid period of insuring, premium calculative strategy.
6. the real-time premium computing method of medical insurance according to claim 5, it is characterized in that, described step S2 also comprises: if premium cost data, valid period of insuring, premium calculative strategy change, then described premium cost data is changed indicate, valid period of insuring change indicate, premium calculative strategy changes sign and is set to change.
7. the real-time premium computing method of medical insurance according to claim 1, it is characterized in that, described step S3 comprises:
Step S31: in metering period, the content of described premium cost data is sent to premium computing unit;
Step S32: calculate described day premium change according to described premium expense, described sensor die blocks of data and described charging policy according to described premium computing unit;
Step S33: described user health plan and described user's cycle premium data are provided.
8. the real-time premium computing method of medical insurance according to claim 7, it is characterized in that, described step S32 comprises: if described premium cost data changes sign, valid period of insuring changes sign, premium calculative strategy changes and indicates, be set to change, then computing unit calculates described day premium change according to described premium expense, described sensor die blocks of data and described charging policy.
9. the real-time premium computing method of medical insurance according to claim 7, it is characterized in that, described step S3 also comprises: described premium cost data is changed sign, valid period of insuring changes sign, premium calculative strategy changes sign and is set to not change.
10. the real-time premium computing method of medical insurance according to claim 1, is characterized in that, also comprise:
Step S4: at the beginning of each computation period, is set to history cycle premium data by described premium cost data, and provides user health plan and user's cycle premium data.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201310738260.4A CN104751365A (en) | 2013-12-27 | 2013-12-27 | Medical insurance real-time premium calculation method |
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| CN201310738260.4A CN104751365A (en) | 2013-12-27 | 2013-12-27 | Medical insurance real-time premium calculation method |
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| CN106295211A (en) * | 2016-08-18 | 2017-01-04 | 昆仑健康保险股份有限公司 | Tcm constitution judges to generate the method and system of insurance policy, terminal, server |
| WO2017152639A1 (en) * | 2016-03-10 | 2017-09-14 | 深圳市前海安测信息技术有限公司 | Medical insurance actuarial system and method based on medical big data |
| WO2017157030A1 (en) * | 2016-03-18 | 2017-09-21 | 深圳市前海安测信息技术有限公司 | Medical insurance premium discount actuarial system and method |
| CN109542923A (en) * | 2018-05-28 | 2019-03-29 | 平安医疗健康管理股份有限公司 | Core protects method, apparatus, computer equipment and storage medium |
| CN109685238A (en) * | 2017-10-19 | 2019-04-26 | 腾讯科技（深圳）有限公司 | Resource Exchange method and apparatus, storage medium and electronic device |
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| WO2017152639A1 (en) * | 2016-03-10 | 2017-09-14 | 深圳市前海安测信息技术有限公司 | Medical insurance actuarial system and method based on medical big data |
| WO2017157030A1 (en) * | 2016-03-18 | 2017-09-21 | 深圳市前海安测信息技术有限公司 | Medical insurance premium discount actuarial system and method |
| CN106295211A (en) * | 2016-08-18 | 2017-01-04 | 昆仑健康保险股份有限公司 | Tcm constitution judges to generate the method and system of insurance policy, terminal, server |
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Application publication date: 20150701 |