CN108921711B

CN108921711B - Insurance application method, device, medium and electronic equipment for sick people

Info

Publication number: CN108921711B
Application number: CN201810602367.9A
Authority: CN
Inventors: 洪光雄; 陈沛霖; 李树娟
Original assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Priority date: 2018-06-12
Filing date: 2018-06-12
Publication date: 2022-03-25
Anticipated expiration: 2038-06-12
Also published as: CN108921711A

Abstract

The embodiment of the invention provides a method, a device, a medium and electronic equipment for insuring a sick population. The method comprises the following steps: acquiring basic information and an application request of an applicant, wherein the application request comprises insurance selected by the applicant; acquiring medicine information of a medicine monitoring code uploaded by a policyholder; and judging whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance or not according to the medicine information. And if the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance, generating a insurance policy according to the basic information of the insurance applicant so that the insurance applicant can complete insurance application on the insurance policy. The embodiment of the invention realizes the insurance application aiming at the sick people and overcomes the defect that the sick people cannot be applied in the current insurance field.

Description

Insurance application method, device, medium and electronic equipment for sick people

Technical Field

The invention relates to the technical field of insurance and finance, in particular to an insurance application method, device, medium and electronic equipment for sick people.

Background

The current various insurance targets are insurance of healthy people meeting the predetermined conditions, and insurance is applied by the healthy people meeting the predetermined conditions, for example, hospitalization insurance of the insurance company A targets the sick people with the age of 1 week to 60 weeks, so that only the users who meet the age of 1 week to 60 weeks and are sick (such as without hospitalization history) are allowed to purchase the hospitalization insurance of the insurance company A.

For the affected people, insurance companies directly refuse insurance application, and even if some affected users succeed in insurance application by hiding the affected facts, the insurance company refuse the claims because the users have the affected facts.

Disclosure of Invention

In view of this, the invention provides an insurance application method, an insurance application device, an insurance application medium and electronic equipment for sick people, so as to implement insurance application for the sick people. The technical scheme is as follows:

based on one aspect of the embodiments of the present invention, an embodiment of the present invention provides a method for insuring a patient population, the method including:

acquiring basic information and an application request of an applicant, wherein the application request comprises insurance selected by the applicant;

acquiring medicine information of a medicine monitoring code uploaded by the applicant;

judging whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance or not according to the medicine information;

and if the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance, generating a insurance policy according to the basic information of the applicant so that the applicant can complete insurance application on the insurance policy.

Optionally, before the acquiring the drug information of the drug monitoring code uploaded by the applicant, the method further includes:

judging whether the applicant accords with an application standard corresponding to the insurance or not according to the basic information of the applicant;

and after judging that the applicant meets the insurance application standard corresponding to the insurance, executing the step of acquiring the medicine information of the medicine monitoring code uploaded by the applicant.

Optionally, the drug information includes at least one of: manufacturer information of the medicine, the validity period of the medicine and the number of times the medicine is scanned;

when the drug information is the manufacturer information of the drug, the step of judging whether the drug corresponding to the drug monitoring code meets the insurance standard corresponding to the insurance comprises the following steps: judging whether the medicine corresponding to the medicine monitoring code is produced by a specified manufacturer according to the information of the manufacturer of the medicine;

at this time, the step that the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance comprises the following steps: the medicine corresponding to the medicine monitoring code is produced by a specified manufacturer;

when the drug information is the valid period of a drug, the judging whether the drug corresponding to the drug monitoring code meets the insurance standard corresponding to the insurance according to the drug information comprises: judging whether the medicine corresponding to the medicine monitoring code is in the valid period or not according to the valid period of the medicine;

at this time, the step that the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance comprises the following steps: the medicine corresponding to the medicine monitoring code is in the valid period;

when the medicine information is the number of times that the medicine is scanned, the judging whether the medicine corresponding to the medicine monitoring code meets the insurance standard corresponding to the insurance according to the medicine information comprises: judging whether the medicine corresponding to the medicine monitoring code is scanned for the first time or not according to the number of times that the medicine is scanned;

at this time, the step that the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance comprises the following steps: the medicine corresponding to the medicine monitoring code is scanned for the first time.

Optionally, the method further comprises:

and in the validity period of the policy, adding 1 to the number of times of uploading the medicine information of the medicine monitoring code by the applicant every time that the applicant successfully uploads the medicine information of the medicine monitoring code.

Optionally, the method further comprises:

and judging whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset threshold value of the adjustment times of the amount of the insurance in a preset time period, and if not, adjusting the amount of the insurance of the applicant according to a preset adjustment rule.

Optionally, after determining, according to the drug information, that the drug corresponding to the drug monitoring code meets the application standard corresponding to the insurance, the method further includes:

recording the time for the policyholder to upload the drug information of the drug monitoring code;

the judgment is that whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset premium adjustment time threshold value or not within a preset time period, and if not, the adjustment of the premium of the applicant according to a preset adjustment rule comprises the following steps:

judging whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset first threshold of the number of times of adjusting the amount of the insurance or not within a preset first time period;

if the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset first threshold of the number of times of adjusting the quota of the quota, judging whether the time of uploading the medicine information of the medicine monitoring code by the applicant for the last time is more than a first specified time, if so, increasing the quota of the applicant to a first value, and determining that a policy with the increased quota is effective on the day when the applicant uploads the medicine information of the medicine monitoring code at the second threshold of the number of times of adjusting the quota; if not, the applicant's wager is increased to the first value and the policy with the increased wager is determined to be in effect on the day of the first prescribed time.

Optionally, the method further comprises:

if the total times of uploading the medicine information of the medicine monitoring code by the applicant is smaller than a preset first threshold of the number of times of adjusting the amount of money, judging whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not smaller than a preset second threshold of the number of times of adjusting the amount of money or not in a preset second period of time, wherein the second threshold of the number of times of adjusting the amount of money is smaller than the first threshold of the number of times of adjusting the amount of money;

and if the total times of uploading the medicine information of the medicine monitoring code by the applicant is less than a second threshold of the preset premium adjustment times within a second preset time period, determining not to adjust the premium of the applicant.

Optionally, the method further comprises:

if the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a second threshold of preset quota adjustment times within a second preset time period, judging whether the time of uploading the medicine information of the medicine monitoring code by the applicant for the last time is less than a second specified time, if so, increasing the quota of the applicant to a second value, and determining that a policy with the increased quota is effective on the day when the applicant uploads the medicine information of the medicine monitoring code when the quota is adjusted by the applicant at the first threshold of the quota adjustment times; if not, increasing the insurance amount of the applicant to the second value, and determining that the insurance policy with the increased insurance amount is effective on the current day of the second specified time;

wherein the first prescribed time is greater than the second prescribed time, and the first numerical value is greater than the second numerical value.

Optionally, the method further comprises:

judging whether the time interval of uploading the medicine information of the medicine monitoring code every two times by the applicant is greater than the preset number of days or not according to the recorded time of uploading the medicine information of the medicine monitoring code every time by the applicant;

if so, the policy is terminated.

Optionally, the method further comprises:

and according to the times of uploading the medicine information of the medicine monitoring code by the applicant, settling the corresponding premium for the applicant.

Optionally, the method further comprises:

when a claim settlement request sent by the applicant is received, judging whether the quotient of the total times of uploading the medicine information of the medicine monitoring codes by the applicant and the total times of actually uploading the medicine information of the medicine monitoring codes by the applicant is greater than a threshold value or not before the time point of sending the claim settlement request, and if not, determining to settle the claim for the applicant.

Based on another aspect of the embodiments of the present invention, an insurance application apparatus for a patient population is provided, including:

the insurance policy management system comprises a first acquisition unit, a second acquisition unit and a policy management unit, wherein the first acquisition unit is used for acquiring basic information and an insurance application request of an applicant, and the insurance application request comprises insurance selected by the applicant;

the second acquisition unit is used for acquiring the medicine information of the medicine monitoring code uploaded by the policyholder;

the judging unit is used for judging whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance according to the medicine information;

and the insurance policy generating unit is used for generating an insurance policy according to the basic information of the applicant when the judging unit judges that the medicine corresponding to the medicine monitoring code accords with the insurance application standard corresponding to the insurance, so that the applicant can complete the application of the insurance policy.

Based on a further aspect of the embodiments of the present invention, an embodiment of the present invention provides a storage medium, on which a program is stored, and when the program is executed by a processor, the program implements the insurance application method for a patient group as described above.

Based on still another aspect of the embodiments of the present invention, an embodiment of the present invention provides an electronic device, including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the aforementioned insurance application method for the patient population via execution of the executable instructions.

In the insurance application method, the insurance application device, the insurance application medium and the electronic equipment for the sick people, after the basic information and the insurance application request of the insurance applicant are obtained, the medicine information of the medicine monitoring code uploaded by the insurance applicant is continuously obtained, and whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance is judged according to the medicine information. And after determining that the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance, generating a policy according to the basic information of the insurance applicant so that the insurance applicant can complete insurance application on the policy. The embodiment of the invention realizes the insurance application aiming at the sick people and overcomes the defect that the sick people cannot be applied in the current insurance field.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a flowchart of an insurance application method for a patient group according to an embodiment of the present invention;

FIG. 1a is a caring item introduction interface shown in an embodiment of the present invention;

FIG. 1b is an information filling interface shown in an embodiment of the present invention;

FIG. 1c is another information filling interface shown in an embodiment of the present invention;

FIG. 1d is a product clause interface as shown in an embodiment of the present invention;

FIG. 1e is a detailed presentation interface of the product clauses shown in the embodiment of the present invention;

FIG. 1f is a save success interface shown in an embodiment of the present invention;

FIG. 1g illustrates an information confirmation interface in an embodiment of the present invention;

FIG. 1h is a drawing success interface shown in an embodiment of the present invention;

FIG. 2 is a flow chart of another insurance application method for a patient population according to an embodiment of the present invention;

FIG. 3 is a flowchart of another insurance application method for a patient group according to an embodiment of the present invention;

FIG. 4 is a flowchart of another insurance application method for a patient population according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of an insurance application apparatus for a patient group according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Example one

As shown in fig. 1, which shows a flowchart of an application method for a patient population according to an embodiment of the present invention, the method may include:

step 101, obtaining basic information and an application request of an applicant, wherein the application request comprises insurance selected by the applicant.

In an embodiment of the present invention, the basic information of the applicant may include the age, sex, date of birth, physical data, etc. of the applicant. The application request contains the insurance selected by the applicant, such as the medical insurance of insurance company A selected by the applicant.

In the practical application process, the applicant can enter a page for providing insurance selection of an insurance company by means of scanning a promoted two-dimensional code or inputting a webpage address of the insurance company in a webpage search address bar by using electronic equipment such as a mobile phone and the like. In the page, the applicant can input personal basic information for registration, and select the corresponding insurance after the registration is completed, or can input personal basic information for registration after checking and selecting a certain insurance.

Specifically, for example, the applicant uses a mobile phone to scan a two-dimensional code promoted by taikang to complete paying attention to the taikang caretaker public number. After the applicant pays attention to the taikang caretaker public number, the taikang caretaker public number pushes a message of "getting insurance immediately", as shown in fig. 1 a. After the applicant clicks "immediate pick up", the system acquires the application request sent by the applicant and then outputs the interface shown in fig. 1b, which requires the applicant to fill in the basic information of the applicant, including: name, certificate type, certificate number, mobile phone number, and hospital of the applicant.

Wherein, if the certificate type selected by the applicant is an identity card, the system records the age, the sex and the birth date of the applicant according to the identity card number; if the type of the certificate selected by the applicant is a non-identity card, the system switches the interface shown in FIG. 1b to the interface shown in FIG. 1c, and the applicant completes the filling of the applicant's age, gender and date of birth by himself or herself.

Optionally, after receiving the basic information input by the applicant, the embodiment of the present invention may first preliminarily check the basic information of the applicant, and determine whether the basic information of the applicant is wrong, for example, whether the identity number of the applicant is wrong. If the error exists, the policyholder is reminded to check and input again in time.

After the applicant completes the input of the basic information, the applicant clicks the "save information" button, and the system continues to output the interface shown in fig. 1d, which includes each insurance clause, insurance policy, etc. corresponding to the insurance. The applicant further enters corresponding details by clicking on insurance clauses, applying insurance advice, etc., as shown in fig. 1 e.

After the applicant completes the review and confirmation of all insurance clauses and insurance requisites, the system outputs an interface shown in fig. 1f to prompt the applicant that the information is successfully stored and prompt the applicant to receive xxx insurance (such as cardiovascular disease insurance) by scanning the medicine monitoring code on the medicine box. Meanwhile, the interface is provided with a 'scanning and scanning' button, and the policyholder triggers the camera to scan the medicine information of the medicine monitoring code by clicking the 'scanning and scanning' button.

Further optionally, after obtaining the basic information of the applicant and the application request, the embodiment of the present invention may first determine, according to the basic information of the applicant, whether the applicant meets an application standard corresponding to the insurance, for example, whether the age of the applicant meets an age requirement corresponding to the insurance, more specifically, whether the application age of the applicant is within an application range of 18 to 80 years old, and then execute the subsequent operation after determining that the applicant meets the application standard corresponding to the insurance.

It should be noted that in the embodiment of the present invention, the insurance application age of the applicant is based on the time when the applicant first scans the code, rather than the time when the basic information is first saved.

And 102, acquiring the medicine information of the medicine monitoring code uploaded by the applicant.

After the basic information and the insurance application request of the insurance applicant are obtained, the insurance applicant is further required to upload medicine information of a medicine monitoring code, so that the medicine taken by the insurance applicant is obtained.

Specifically, the policyholder can use the mobile phone and other electronic devices to call a function such as WeChat scanning to scan the medicine box, so as to obtain the medicine monitoring code of the medicine box, and then call an interface such as Ali health in the background to obtain the medicine information of the medicine monitoring code. In an embodiment of the present invention, the medicine information of the medicine monitor code may include at least one of manufacturer information of the medicine, a validity period of the medicine, a number of times the medicine has been scanned, and the like.

And 103, judging whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance according to the medicine information. If the drug information does not meet the insurance standard, the step 104 is executed, if the drug information does not meet the insurance standard, the step 102 is selected to be returned, the drug information of the drug monitoring code uploaded by the applicant is obtained again, and the prompt information can also be selected to be sent out to inform the applicant that the drug does not meet the insurance standard corresponding to the insurance.

And 104, generating a policy according to the basic information of the applicant so that the applicant can complete the application of the policy.

The generated insurance policy can comprise information such as basic information, insurance amount, insurance fee, guarantee period, guarantee object and the like of the applicant.

In the embodiment of the invention, after the applicant successfully uploads the medicine information of the medicine monitoring code and verifies that the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance, the system can output the information confirmation interface shown in fig. 1g to ensure that the applicant confirms the information. After the applicant clicks 'get confirmed' in the information confirmation interface shown in fig. 1g, the front end of the system pushes the basic information input by the applicant to the core processor, so as to generate a policy record, and the effective time of the policy is the next zero of the time when the applicant clicks 'get confirmed'. And the system jumps to the interface shown in fig. 1h to inform the applicant that the insurance was successfully received.

Specifically, in the embodiment of the present invention, when the medicine information is information of a manufacturer of the medicine, the determining whether the medicine meets the insurance application standard corresponding to the insurance specifically includes: and judging whether the medicine is produced by a specified manufacturer according to the information of the manufacturer of the medicine. And if the medicine is produced by a specified manufacturer, determining that the medicine meets the insurance application standard corresponding to the insurance, and generating the insurance policy according to the basic information of the applicant.

When the drug information is the valid period of the drug, the embodiment of the invention specifically judges whether the drug meets the insurance application standard corresponding to insurance: and judging whether the medicine is in the valid period or not according to the valid period of the medicine. If the drug is in the valid period, the drug is determined to meet the application standard corresponding to the insurance, and then the insurance policy is generated according to the basic information of the applicant.

When the medicine information is the number of times that the medicine is scanned, the embodiment of the invention specifically judges whether the medicine meets the insurance application standard corresponding to insurance: and judging whether the medicine is scanned for the first time or not according to the number of times of scanning the medicine. If the drug is scanned for the first time, the drug is determined to meet the application standard corresponding to the insurance, and then the insurance policy is generated according to the basic information of the applicant.

It should be noted that, in view of the responsibility of the applicant and the validity of the policy generation, the preferred embodiment of the present invention includes the manufacturer information of the drug, the validity period of the drug, and the number of times the drug has been scanned.

According to the embodiment of the invention, after the insurance applicant is judged to accord with the insurance application standard corresponding to the insurance and the insurance policy is generated according to the basic information of the insurance applicant, the insurance policy is output to the insurance applicant so that the insurance applicant can complete the follow-up insurance application payment operation on the insurance policy, and the like. The embodiment of the invention realizes the insurance application aiming at the sick people and overcomes the defect that the sick people cannot be applied in the current insurance field.

Example two

The foregoing embodiment focuses on the implementation of the first application to the sick people. The second aspect of the embodiment of the invention focuses on the method for automatically adjusting the premium according to the condition of the drug taken by the policyholder within the validity period of the policy after the successful application of the policyholder. As shown in fig. 2, the method may include:

step 201, within the validity period of the policy, when the applicant monitors that the drug information of the drug monitoring code is successfully uploaded by the applicant once, the number of times of uploading the drug information of the drug monitoring code by the applicant is increased by 1.

In the embodiment of the invention, during the validity period of the policy, when the applicant uploads the drug information of the drug monitoring code each time, the method for judging whether the drug corresponding to the drug monitoring code meets the application standard corresponding to the insurance in the first embodiment is still adopted, the drug information of the drug monitoring code uploaded by the applicant is judged, and when the drug corresponding to the drug monitoring code meets the application standard corresponding to the insurance, the drug information of the drug monitoring code is uploaded, and the number of times of uploading the drug information of the drug monitoring code by the applicant is increased by 1.

As a preferred embodiment of the present invention, in the embodiment of the present invention, when it is determined that the drug corresponding to the drug monitoring code meets the application standard corresponding to insurance, the time for the applicant to upload the drug information of the drug monitoring code can be recorded, so that the upload time of the drug information of each drug monitoring code can be clearly known.

Step 202, determining whether the total number of times of uploading the drug information of the drug monitoring code by the applicant is not less than a preset threshold value of the number of times of adjusting the amount of the drug, if not, executing step 203, and if so, executing step 204.

Step 203, adjusting the insurance amount of the applicant according to a preset adjustment rule.

And step 204, not adjusting the insurance amount of the policyholder.

Specifically, for example, the preset time period is three months from the date of insuring, and the preset threshold of the number of times of the adjustment of the insurance amount is 13. When the number 14 of times that the applicant uploads the medicine information of the medicine monitoring code is larger than a preset insurance amount adjustment number threshold value 13 within three months from the date of application, the insurance amount of the applicant is increased by 1000 yuan on the basis of the original insurance amount; and when the number 11 of times of uploading the medicine information of the medicine monitoring code by the applicant is smaller than a preset deposit adjustment number threshold value 13 within three months from the date of application, the deposit of the applicant is not adjusted.

To facilitate a more detailed description of an implementation of an embodiment of the present invention, as shown in fig. 3, the method may include:

step 301, obtaining the total times of uploading the medicine information of the medicine monitoring code by the applicant and the time of uploading the medicine information of the medicine monitoring code by the applicant each time.

More particularly, this is shown in connection with fig. 4. In the practical application process of the embodiment of the invention, when the user triggers self-service insurance or the system actively informs insurance, the policyholder can scan the drug monitoring code on the drug box by scanning and scanning functions by using electronic equipment such as a mobile phone and the like, so that the drug information of the drug monitoring code uploaded by the policyholder is obtained.

For the acquired medicine information of the medicine monitoring code, the embodiment of the invention firstly judges whether the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to insurance (namely whether the medicine monitoring code meets the requirement) according to the medicine information. If not, the failure of scanning is notified and a new scan is required. If the number of times of the medicine information of the medicine monitoring code is matched with the number of times of the medicine information of the medicine monitoring code, the system adds 1 to the number of times of the medicine information of the medicine monitoring code, and the time of uploading the medicine information of the medicine monitoring code at the time is recorded. Meanwhile, the system also obtains the total times of the medicine information of the medicine monitoring code, and displays the total times of the medicine information of the medicine monitoring code on the front end (generally a display) of the system.

Step 302, determining whether the total number of times of uploading the drug information of the drug monitoring code by the applicant is not less than a preset first threshold of the number of times of adjusting the amount of the drug, if so, executing step 303, and if so, executing step 306.

Specifically, as shown in fig. 4, in the embodiment of the present invention, the preset first time period may be six months when the applicant continuously takes the drugs, and the preset first threshold of the number of times of the adjustment of the quota is 25, then the embodiment of the present invention determines whether the total number of times of uploading the drug information of the drug monitoring code by the applicant is not less than 25 times within six months when the applicant continuously takes the drugs.

Step 303, determining whether the time for the applicant to upload the drug information of the drug monitoring code for the last time is longer than a first specified time. If so, go to step 304, and if not, go to step 305.

Specifically, referring to fig. 4, the first predetermined time period in the embodiment of the present invention may be 25 × 7 days. In the embodiment of the invention, when the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than 25 times within six months of continuously taking the medicine by the applicant, whether the time of uploading the medicine information of the medicine monitoring code by the applicant for the last time (namely the scanning time of scanning the medicine monitoring code) is more than 25 x 7 days is continuously judged.

Step 304, the insurance amount of the applicant is increased to a first value, and the insurance policy with the increased insurance amount is determined to be effective on the day when the applicant uploads the drug information of the drug monitoring code when the insurance adjustment times is a second threshold value.

Specifically, referring to fig. 4, when the time for the applicant to upload the drug information of the drug monitoring code for the last time is longer than 25 × 7 days, the insurance amount of the applicant is increased to 1 ten thousand yuan, and the policy with the increased insurance amount is determined to take effect from the current day of uploading the drug information of the drug monitoring code for the 25 th time based on the time for the applicant to upload the drug information of the drug monitoring code for the 25 th time.

Step 305, the applicant's premium is adjusted up to the first value and the policy with the increased premium is determined to be in effect on the day of the first prescribed time.

Specifically, referring to fig. 4, when the time for the applicant to upload the drug information of the drug monitoring code for the last time is not more than 25 × 7 days, the insurance amount of the applicant is increased to 1 ten thousand yuan, and the policy with the increased insurance amount is determined to start to take effect on the current day of 25 × 7 days.

Step 306, judging whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset second threshold of the guarantee amount adjustment times within a preset second time period, wherein the second threshold of the guarantee amount adjustment times is less than the first threshold of the guarantee amount adjustment times. If so, go to step 307, and if not, go to step 308.

Specifically, as shown in fig. 4, in the embodiment of the present invention, the preset second time period may be three months when the applicant continuously takes the drugs, and the preset second threshold of the number of times of the adjustment of the quota is 13, then the embodiment of the present invention determines whether the total number of times of uploading the drug information of the drug monitoring code by the applicant is not less than 13 times within three months when the applicant continuously takes the drugs.

Step 307, determining not to adjust the applicant's premium.

And if the total times of uploading the medicine information of the medicine monitoring code by the applicant is 10 times and is less than the second threshold value of the premium adjustment times and 13 times within three months of continuously taking the medicine by the applicant, determining not to adjust the premium of the applicant.

Step 308, determining whether the time for the applicant to upload the drug information of the drug monitoring code for the last time is less than a second specified time. If so, step 309 is performed, and if not, step 310 is performed.

Specifically, referring to fig. 4, the second predetermined time period in the embodiment of the present invention may be 13 × 7 days. In the embodiment of the invention, when the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than 13 times within three months of continuously taking the medicine by the applicant, whether the time of uploading the medicine information of the medicine monitoring code by the applicant for the last time (namely the scanning time of scanning the medicine monitoring code) is more than 13 x 7 days is continuously judged.

Step 309, increasing the insurance amount of the applicant to a second value, and determining that the insurance policy with the increased insurance amount is effective on the day when the applicant uploads the drug information of the drug monitoring code when the insurance adjustment times is a first threshold value.

Specifically, referring to fig. 4, when the time for the applicant to upload the drug information of the drug monitoring code for the last time is less than 13 × 7 days, the insurance amount of the applicant is increased to 5 thousand yuan, and the policy with the increased insurance amount is determined to take effect from the current day of uploading the drug information of the drug monitoring code for the 13 th time by the applicant.

Step 310, the insurance amount of the applicant is increased to the second value, and the insurance policy with the increased insurance amount is determined to be effective on the current day of the second specified time.

Specifically, referring to fig. 4, when the time for the applicant to upload the drug information of the drug monitoring code for the last time is not less than 13 × 7 days, the insurance amount of the applicant is increased to 5 thousand yuan, and it is determined that the policy with the increased insurance amount starts to take effect on the current day of 13 × 7 days.

Optionally, in the second embodiment of the present invention, the second embodiment of the present invention may further include: judging whether the time interval of uploading the medicine information of the medicine monitoring code every two times by the applicant is greater than the preset number of days or not according to the recorded time of uploading the medicine information of the medicine monitoring code every time by the applicant; if so, the policy is terminated.

The second embodiment of the invention realizes the method for automatically adjusting the premium according to the condition that the applicant takes the medicine within the validity period of the policy.

EXAMPLE III

When the insurance premium settlement is carried out for the applicant, the corresponding insurance premium can be settled for the applicant according to the times of uploading the medicine information of the medicine monitoring code by the applicant.

Specifically, the premium in the embodiment of the present invention may be settled by the manufacturer of the drug used by the applicant or the drug enterprise and the insurance company, and settled by a periodical settlement method every month. The drug information (namely the scanning times of the drug box) uploaded by the policyholder is used as a settlement voucher, so that the premium can be settled for the policyholder more efficiently and accurately. For example, if the applicant A scans the number of cartridges in a month for 4 times, the insurance company settles the premium corresponding to the number of scans for four times in the month.

Example four

Within the validity period of the policy, when a claim settlement request sent by an applicant is received and a claim settlement is required for the applicant, the embodiment of the invention judges whether the quotient of the total times of uploading the drug information of the drug monitoring code by the applicant and the total times of actually uploading the drug information of the drug monitoring code by the applicant is greater than a threshold value before the applicant reaches the time point of sending the claim settlement request, and if the quotient is not greater than the threshold value, the claim settlement is determined for the applicant.

For example, by the time point when the claim request is sent, the quotient of the total number of times the drug information of the drug monitoring code is uploaded by the applicant and the total number of times the drug information of the drug monitoring code is actually uploaded by the applicant is required to be less than or equal to 1, which indicates that the applicant takes the drug normally and can claim the drug, so that the claim is settled according to the claim request sent by the applicant. And if the quotient of the total times of uploading the medicine information of the medicine monitoring code by the applicant and the total times of actually uploading the medicine information of the medicine monitoring code by the applicant is more than 1 before the time point of sending the claim settlement request, the result shows that the applicant may not normally take the medicine or the medicine information which has taken the medicine but forgot to upload the medicine monitoring code, so that the applicant is reminded to upload the medicine information of the medicine monitoring code in time, and the insurance company is prevented from refusing the claim settlement.

Based on the method for applying insurance to the sick people provided in the foregoing embodiment of the present invention, an embodiment of the present invention further provides an apparatus for applying insurance to the sick people, and as shown in fig. 5, the apparatus may include: a first acquisition unit 100, a second acquisition unit 200, a judgment unit 300 and a policy generation unit 400. Wherein the content of the first and second substances,

a first obtaining unit 100, configured to obtain basic information of an applicant and an application request, where the application request includes an insurance selected by the applicant;

a second obtaining unit 200, configured to obtain medicine information of the medicine monitoring code uploaded by the applicant;

a determining unit 300, configured to determine, according to the drug information, whether a drug corresponding to the drug monitoring code meets an application standard corresponding to the insurance;

a policy generating unit 400, configured to generate a policy according to the basic information of the applicant when the determining unit 300 determines that the drug corresponding to the drug monitoring code meets the application standard corresponding to the insurance, so that the applicant completes application of the policy.

The insurance application device for the patient group comprises a processor and a memory, wherein the first acquisition unit 100, the second acquisition unit 200, the judgment unit 300, the insurance policy generation unit 400 and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more than one, and the insurance application aiming at the sick people is realized by adjusting the kernel parameters.

The memory may include volatile memory in a computer readable medium, Random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip.

An embodiment of the present invention provides a storage medium, on which a program is stored, which, when executed by a processor, implements the insurance application method for a patient population.

The embodiment of the invention provides a processor, which is used for running a program, wherein the program runs to execute the insurance application method aiming at the sick people.

The embodiment of the invention provides electronic equipment, which comprises a processor, a memory and a program which is stored on the memory and can run on the processor, wherein the processor executes the program and realizes the following steps:

Optionally, the method further comprises:

if so, the policy is terminated.

Optionally, the method further comprises:

The device herein may be a server, a PC, a PAD, a mobile phone, etc.

The present application further provides a computer program product adapted to perform a program for initializing the following method steps when executed on a data processing device:

Optionally, the method further comprises:

if so, the policy is terminated.

Optionally, the method further comprises:

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

The above are merely examples of the present invention, and are not intended to limit the present invention. Various modifications and alterations to this invention will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.

Claims

1. A method for insuring a patient population, the method comprising:

if the medicine corresponding to the medicine monitoring code meets the insurance application standard corresponding to the insurance, generating a insurance policy according to the basic information of the insurance applicant so that the insurance applicant can complete the insurance application of the insurance policy;

the method further comprises the following steps:

judging whether the total times of uploading the medicine information of the medicine monitoring code by the applicant is not less than a preset premium adjustment time threshold value or not within a preset time period, and if not, adjusting the premium of the applicant according to a preset adjustment rule;

wherein the drug information comprises at least one of: manufacturer information of the medicine, the validity period of the medicine and the number of times the medicine is scanned;

2. The method of claim 1, wherein prior to obtaining the drug information for the drug monitor uploaded by the applicant, the method further comprises:

3. The method according to any one of claims 1-2, further comprising:

4. The method of claim 1, wherein after determining, according to the drug information, that the drug corresponding to the drug monitoring code meets the application standard corresponding to the insurance, the method further comprises:

5. The method of claim 4, further comprising:

6. The method of claim 5, further comprising:

7. The method of claim 4, further comprising:

if so, the policy is terminated.

8. The method of claim 3, further comprising:

9. The method of claim 3, further comprising:

10. An application device for a patient population, comprising:

the insurance policy generating unit is used for generating an insurance policy according to the basic information of the insurance applicant when the judging unit judges that the medicine corresponding to the medicine monitoring code accords with the insurance application standard corresponding to the insurance, so that the insurance applicant can complete the application of the insurance policy;

the device, still include:

11. A storage medium having stored thereon a program which, when executed by a processor, implements the insurance method for a patient population according to any one of claims 1 to 9.

12. An electronic device, comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the method of insuring for a patient population of any one of claims 1-9 via execution of the executable instructions.