CN109377388A - Medical insurance is insured method, apparatus, computer equipment and storage medium - Google Patents
Medical insurance is insured method, apparatus, computer equipment and storage medium Download PDFInfo
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- CN109377388A CN109377388A CN201811068547.XA CN201811068547A CN109377388A CN 109377388 A CN109377388 A CN 109377388A CN 201811068547 A CN201811068547 A CN 201811068547A CN 109377388 A CN109377388 A CN 109377388A
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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
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
- G16H50/00—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
- G16H50/30—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for calculating health indices; for individual health risk assessment
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- G—PHYSICS
- G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
- G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
- G16H50/00—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
- G16H50/70—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for mining of medical data, e.g. analysing previous cases of other patients
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
- Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
- Y02A—TECHNOLOGIES FOR ADAPTATION TO CLIMATE CHANGE
- Y02A90/00—Technologies having an indirect contribution to adaptation to climate change
- Y02A90/10—Information and communication technologies [ICT] supporting adaptation to climate change, e.g. for weather forecasting or climate simulation
Abstract
This application involves big data analysis field, in particular to a kind of medical insurance is insured method, apparatus, computer equipment and storage medium.The described method includes: receiving the request of insuring that user terminal is sent, the request of insuring carries the health and fitness information of insurer；The health and fitness information is inputted in course of disease Matching Model and is obtained and the virtual course of disease of the insurer matched first；Medical insurance product corresponding with the described first virtual course of disease is obtained, and acquired medical insurance product is sent to the user terminal；Receive the instruction of insuring corresponding with acquired medical insurance product that the user terminal returns；Medical insurance is carried out according to the instruction of insuring to insure.Using this method the virtual course of disease can be predicted for new insurer, more accurately recommends medical insurance product for insurer according to the analysis of the mass data to history insurer, carried out medical insurance for insurer and insure.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of medical insurance insure method, apparatus, computer equipment and
Storage medium.
Background technique
In medical insurance, it usually needs insurer provides the health and fitness informations such as its nearest medical history and Outpatient Department data, convenient
The staff of medical insurance judges whether this insurer meets insured condition, and is the suitable medical insurance product of lead referral.
Traditionally, usually by the experience of Medical Technologist and according to medical literature analysis formulate Expert Rules come pair
The health and fitness information of insurer is analyzed；However, since Expert Rules are unable to judge accurately insurer's health within the medical insurance time
Whether information can change, and be easy to appear the problem for the medical insurance product inaccuracy recommended for insurer.
Summary of the invention
Based on this, it is necessary to which in view of the above technical problems, providing a kind of to be accurately insurer's recommendation medical insurance product
Medical insurance is insured method, apparatus, computer equipment and storage medium.
A kind of medical insurance is insured method, which comprises
The request of insuring that user terminal is sent is received, the request of insuring carries the health and fitness information of insurer；
The health and fitness information is inputted in course of disease Matching Model and is obtained and the virtual course of disease of the insurer matched first；
Medical insurance product corresponding with the described first virtual course of disease is obtained, and acquired medical insurance product is sent to the use
Family terminal；
Receive the instruction of insuring corresponding with acquired medical insurance product that the user terminal returns；
Medical insurance is carried out according to the instruction of insuring to insure.
In one of the embodiments, after the request of insuring for receiving user terminal transmission, further includes:
Extract the diagnosis keyword and treatment keyword in the health and fitness information；
Described input the health and fitness information in course of disease Matching Model obtains and the virtual disease of the insurer matched first
Journey, comprising:
The diagnosis keyword and treatment keyword input state of an illness simulation model are obtained matching with the insurer
The first virtual course of disease.
Acquisition medical insurance product corresponding with the described first virtual course of disease in one of the embodiments, comprising:
It obtains and insures the time limit from the application of insuring；
The insurer is calculated in first medical expense insured in the time limit according to the described first virtual course of disease；
Obtain medical insurance product corresponding with first medical expense.
Acquisition medical insurance product corresponding with the described first virtual course of disease in one of the embodiments, comprising:
First medical expense of the insurer within the time limit of insuring is calculated according to the described first virtual course of disease；
It is corresponding within the time limit of insuring that the trained expert analysis model of health and fitness information input is obtained into the insurer
The second health care costs；
Obtain medical insurance product corresponding with first medical expense and second medical expense.
Described input the health and fitness information in course of disease Matching Model obtains insuring with described in one of the embodiments,
After the virtual course of disease of people matched first, further includes:
Obtain the corresponding environmental data of the insurer；
The environmental data is obtained to the corresponding intervention history of the described first virtual course of disease；
According to environmental data described in the intervention historical forecast to the intervention situation of the first virtual course of disease of the insurer,
The second virtual course of disease of the insurer is obtained according to the intervention situation；
Acquisition medical insurance product corresponding with the described first virtual course of disease, comprising:
Obtain medical insurance product corresponding with the described second virtual course of disease.
The generating mode of the course of disease Matching Model in one of the embodiments, comprising:
History insurance data is obtained, carries history health data in the history insurance data；
Corresponding course of disease data in prefixed time interval are obtained according to the history health data；
Initial model is obtained, the history health data is inputted with course of disease data corresponding in the prefixed time interval
Extremely it is trained to obtain course of disease Matching Model in the initial model.
In one of the embodiments, the method also includes:
Obtain verifying health data and the corresponding virtual course of disease of verifying of the verifying health data；
The verifying health data is inputted in the course of disease Matching Model and obtains the verifying health data corresponding the
The three virtual courses of disease；
Verifying health data is obtained in the first course of disease data of preset time, according to described according to the virtual course of disease of verifying
The virtual course of disease of third obtains verifying health data in the second course of disease data of the preset time；
The difference for calculating first course of disease data and second course of disease data, when the difference exceeds preset value,
The state of an illness simulation model is corrected according to the virtual course of disease of verifying.
A kind of medical insurance is insured device, and described device includes:
Data obtaining module, for receiving the request of insuring of user terminal transmission, the request of insuring carries insurer
Health and fitness information；
The course of disease establishes module, obtains matching with the insurer for inputting the health and fitness information in course of disease Matching Model
The first virtual course of disease；
Medical insurance product obtains module, for obtaining medical insurance product corresponding with the described first virtual course of disease, and will acquired in
Medical insurance product be sent to the user terminal；
It insures instruction acquisition module, the throwing corresponding with acquired medical insurance product returned for receiving the user terminal
Protect instruction；
It insures module, carries out medical insurance for instruction of insuring according to and insure.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
The step of device realizes any of the above-described the method when executing the computer program.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
The step of method described in any of the above embodiments is realized when row.
Above-mentioned medical insurance is insured method, apparatus, computer equipment and storage medium, and trained state of an illness simulation model pair is passed through
The health and fitness information of insurer is analyzed, and simulates the situation of change of physical condition in this insurer following a period of time, i.e.,
The first virtual course of disease selects medical insurance scheme corresponding with insurer according still further to the first virtual course of disease, i.e. can analysis insurer join
Protect or can carry out it insured strategy of high price.So that the medical insurance scheme finally obtained is more in line with insurer and will join in future
The therapeutic scheme in the time is protected, more accurately recommends medical insurance product for insurer, medical insurance is carried out for insurer and insures.
Detailed description of the invention
Fig. 1 is the application scenario diagram of medical insurance policy-holder's method in one embodiment；
Fig. 2 is the flow diagram of medical insurance policy-holder's method in one embodiment；
Fig. 3 is the flow diagram of model training mode in one embodiment；
Fig. 4 is the flow diagram of model verification mode in one embodiment；
Fig. 5 is that medical insurance is insured the structural block diagram of device in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Medical insurance provided by the present application is insured method, can be applied in application environment as shown in Figure 1.Wherein, terminal with
Server is communicated by network.Server obtains the request of insuring for the user that insures from user terminal, this will insure in request
The corresponding first virtual course of disease of this user that insures is matched in the health and fitness information input course of disease Matching Model of user, is insured according to this
The virtual course of disease of the first of user insure thus user recommend medical insurance product insure.Wherein, user terminal can be, but not limited to
It is various personal computers, laptop, smart phone, tablet computer and portable wearable device, server can be used
The server cluster of independent server either multiple servers composition is realized.
In one embodiment, it insures method as shown in Fig. 2, providing a kind of medical insurance, is applied in Fig. 1 in this way
It is illustrated for server, comprising the following steps:
S202 receives the request of insuring that user terminal is sent, and request of insuring carries the health and fitness information of insurer.
Wherein, user terminal is the mobile terminal device of insurer, and insurer is sent to server by user terminal and thrown
Request is protected, such as user carries out selection safe operation on the subscriber terminal, and fills in the health and fitness information of corresponding insurer, user
Terminal operates according to the user's choice generates request of insuring.Request of insuring is that insurer is sent by user terminal to server
Solicited message, for tell the server, this insurer has the tendency that buying medical insurance product, wherein comprising being able to reflect the person of insuring
The health and fitness information of body situation.The application program that insurer can install on the subscriber terminal fills in request of insuring, and user terminal will
This request of insuring is sent to server.
Specifically, server receives the request of insuring that insurer is sent to server by user terminal, this request of insuring
In include being able to reflect the health and fitness information of insurer's physical condition, server can request the health of people from China National Investment & Guaranty Corp. to be believed by insuring
Breath judges whether this insurer can be insured, or recommends suitable medical insurance product for insurer.
Optionally, server for insurer provide one installation on the subscriber terminal can with server carry out data friendship
Mutual application program, insurer can fill in the health and fitness information of insurer, shape by installing application program on the subscriber terminal
At request of insuring, this request of insuring is sent to server by user terminal, after server receives the request of insuring of insurer, is carried out
It operates in next step.
Health and fitness information is inputted in course of disease Matching Model and is obtained and the virtual course of disease of insurer matched first by S204.
Wherein, course of disease Matching Model is that the first virtual course of disease of insurer is established for the health and fitness information according to insurer
Model is to establish this insurer in following corresponding health care costs according to the health and fitness information of history insurance data China National Investment & Guaranty Corp. people
The health care costs situation prediction model of situation.Since the cost of a kind of illness has regularity, therefore similar illness can be passed through
The history health data of patient simulates the client with such disease in following health care costs situation；As initiated application of insuring
Insurer be diagnosed as suffering from diabetes 1 year, then can according to history insurance data predict diabetes after illness second
Year, the situation of change of the health care costs situation of the course of disease in third year establishes the first virtual course of disease for insurer.
The first virtual course of disease is after server inputs the health and fitness information of insurer in course of disease Matching Model, this obtained is thrown
Situation of change of the guarantor in following health care costs situation.This first virtual course of disease can need insured year according to insurer
Limit establishes the corresponding health care costs situation of insurer in this section of future.Specifically, the throwing that server will be obtained from user terminal
The health and fitness information for protecting request people from China National Investment & Guaranty Corp. is input to the course of disease Matching Model obtained according to the training of history insurance data, obtains this throwing
Guarantor is in the variation tendency of following health care costs situation, to establish the corresponding first virtual course of disease of this insurer, this first
The virtual course of disease can be the curve graph of the annual health care costs situation variation of this insurer.
S206 obtains medical insurance product corresponding with the first virtual course of disease, and acquired medical insurance product is sent to user
Terminal.
Specifically, server can be according to insurer in future after the first virtual course of disease obtained by step S204
Health care costs situation, insurer recommends suitable medical insurance product thus, is then sent to the user terminal medical insurance product.
For example, if the case where insurer recommends suitable medical insurance product thus may is that corresponding the first of this insurer
The virtual course of disease shows the application of insuring of this insurer, and there are certain risks, are rejected by the application of insuring of this insurer.Or work as basis
The health and fitness information of insurer learns that the illness of this insurer is chronic disease, such as diabetes, arthritis disease can be according to first
The variation of the virtual health care costs situation of course of disease people from China National Investment & Guaranty Corp. for successive years recommends medical insurance product for successive years to insurer；
In addition risk that can be insured according to the health care costs situation analysis insurer of insurer can carry out it insured strategy of high price
Deng.
S208 receives the instruction of insuring corresponding with acquired medical insurance product that user terminal returns.
Wherein, instruction of insuring is to receive the medical insurance product that server is sent in insurer, and require this insured medical insurance product
Instruction.
Specifically, server is sent to the user terminal of insurer by and with the corresponding medical insurance product of the first virtual course of disease
Afterwards, if insurer agrees to this insured medical insurance product, pass through user terminal to server feedback one instruction of insuring.
It optionally, may include that this medical insurance produces when server sends medical insurance product to user terminal by application program
The information such as the product information of product, insured price and insured contract, and corresponding data-interface is provided in the application and collects throwing
The feedback information of guarantor, insurer receive after medical insurance product is out of shape and solves this information in user terminal, can be in the application
Selection is agreed to insured, and signs the insured contract of electronics, and application program gives server to return to an instruction of insuring, tell the server this
Insurer agrees to insured.
S210 carries out medical insurance according to instruction of insuring and insures.
Specifically, server receive user terminal transmission instruction of insuring after, according to insure instruction in information, with
And insured contract of electronics etc. is that insurer executes insured operation, insurer buys the success of medical insurance product.
Above-mentioned medical insurance is insured method, is analyzed by trained course of disease Matching Model the health and fitness information of insurer,
Simulate the situation of change of physical condition in this insurer following a period of time, i.e., the first virtual course of disease, according still further to the first void
The quasi- course of disease selects medical insurance scheme corresponding with the health and fitness information of insurer, that is, can analyze insurer insured or can be in fact
The insured strategy of row high price, so that the medical insurance scheme finally obtained is more in line with treatment side of the insurer within the following insured time
Case more accurately recommends medical insurance product for insurer, carries out medical insurance for insurer and insures.
In one embodiment, the above-mentioned medical insurance step S202 in scheme that insures receives the request of insuring that user terminal is sent
It later, can also include: the diagnosis keyword and treatment keyword extracted in health and fitness information；Then above-mentioned steps S204 believes health
Obtained in breath input course of disease Matching Model with the virtual course of disease of insurer matched first, may include: keyword and to control diagnosis
Keyword input state of an illness simulation model is treated to obtain and the virtual course of disease of insurer matched first.
Wherein, diagnosis keyword is the information that the physical condition of this insurer is able to reflect in the health and fitness information of insurer,
It can be the illness in the diagnostic data of interrogation Shi doctor or the case of this insurer.Treating keyword is and this insurer
The information for the therapeutic scheme that the corresponding physical condition for indicating this insurer of diagnosis keyword is taken, such as operation, treatment illness
Drug etc..
Specifically, after server receives the request of insuring that user terminal is sent, first believe from the health that request of insuring carries
Extracted in breath reflection insurer's physical condition diagnosis keyword and it is corresponding with the diagnosis keyword of this insurer expression this
The treatment keyword for the therapeutic scheme that the physical condition of insurer is taken, is input in course of disease Matching Model, the course of disease
It can establish according to the diagnosis keyword and treatment keyword that trained logic identification inputs with model and diagnose keyword and control
Treat the corresponding first virtual course of disease of keyword.
Optionally, server can be according to the diagnosis keyword and treatment key in semantics recognition procedure identification health and fitness information
Word；Health and fitness information can also be identified by trained keyword extraction rule.
In above-described embodiment, by server extract health and fitness information in diagnosis keyword and treatment keyword, then by its
It is analyzed in input course of disease Matching Model, model is not required to identify all health and fitness informations, only need to analyze keyword therein i.e.
Can, course of disease Matching Model is improved to the analysis efficiency of health and fitness information.
In one embodiment, obtain medical insurance product corresponding with the first virtual course of disease, comprising: from insure apply in obtain
It insures the time limit；First medical expense of the insurer within the time limit of insuring is calculated according to the first virtual course of disease；It obtains and the first medical treatment
The corresponding medical insurance product of expense.
Wherein, time limit of insuring is that insurer wishes the insured time, is insured request in insurer by user terminal input
When, it can be with insured time desired by simultaneous selection, such as 1 year duration of insurance, 2 year duration of insurance, 10 year duration of insurance.
First medical expense is after server is analyzed by the first virtual course of disease to insurer, to estimate in the phase of insuring
Health care costs situation in limit, cost of this insurer in terms of medical treatment；Such as having suffered from diabetes 1 year certain insurer will seek medical advice
It protects insured 1 year, medical treatment of the first virtual disease course prediction insurer of this insurer in the second year for suffering from diabetes can be passed through
It spends.
Specifically, when it is that insurer selects medical insurance scheme that medical insurance work personnel are by server, primary concern is that throwing
Health care costs situation of the guarantor within the insured time limit, therefore after the first virtual course of disease for acquiring insurer, then it can basis
Its health care costs is predicted in the variation of health status of the insurer within the time limit of insuring, to recommend suitably for insurer
Medical insurance scheme.
Above-described embodiment introduces of this insurer within the time limit of insuring after the first virtual course of disease for obtaining insurer
The prediction of one medical expense more accurately recommends medical insurance scheme for insurer.
In one embodiment, the above-mentioned medical insurance step S206 in method that insures obtains doctor corresponding with the first virtual course of disease
Product is protected, may include: that first medical expense of the insurer within the time limit of insuring is calculated according to the first virtual course of disease；Health is believed
Breath inputs trained expert analysis model and obtains insurer's corresponding second health care costs within the time limit of insuring；It obtains and first
Medical expense and the corresponding medical insurance product of the second medical expense.
Wherein, expert analysis model is the clinical experience training summed up according to long-term clinical analysis and medical research
Model out, this model can be predicted according to the health and fitness information of insurer its this insurer future may occur except first is virtual
Other medical expenses except the course of disease；The medical treatment habit of such insurer, the hospital often gone, periodically whether expenditure physical therapy type is spent
Situations such as.Second medical expense is to obtain this insurer after expert analysis model analyzes the health and fitness information of insurer and exist
It insures the other medical expenses that may cause in the time limit, then prediction obtains total payment for medical care of this insurer within the time limit of insuring
With.Such as according to insurer cause cost of this insurer within the time limit of insuring can on the basis of the first health care costs wave
It is dynamic, obtain the second medical expense.
Specifically, server can then insure after the first virtual course of disease for acquiring insurer according to insurer
Its health care costs is predicted in the variation of health care costs situation in time limit, obtains the first medical expense；Then server is again
Predict whether this insurer has other health care costs expenditures within the time limit of insuring according to expert analysis model, according to expert point
Analysis model is adjusted the first health care costs, obtains the second medical expense, the benefit as Object Selection medical insurance scheme to be analyzed
Sufficiently analysis.
Above-described embodiment, in addition to be introduced into the first medical expense in a upper embodiment to insurer in the time limit of insuring it
Outside, expert analysis model is also introduced to the second medical expense obtained after the health and fitness information analysis of insurer, so that server
It is more bonded reality when recommending medical insurance scheme for insurer, more accurately can recommend medical insurance scheme for insurer.
In one embodiment, health and fitness information is inputted course of disease Matching Model by the above-mentioned medical insurance step S204 in method that insures
In obtain and after the virtual course of disease of insurer matched first, can also include: to obtain the corresponding environmental data of insurer；It obtains
Environmental data is to the corresponding intervention history of the first virtual course of disease；According to intervention historical forecast environmental data to the first void of insurer
The intervention situation of the quasi- course of disease obtains the second virtual course of disease of insurer according to situation is intervened；Then above-mentioned steps S206 is obtained and the
The corresponding medical insurance product of the one virtual course of disease may include: to obtain medical insurance product corresponding with the second virtual course of disease.
Wherein, the corresponding environmental data of insurer may include working environment, living environment or the life of object to be analyzed
Habit, such as whether insurer doctor may be influenced by being chronically in smoke and dust environment or radiation environment, or whether having smoking, drink etc.
Treat the factor spent.
Environmental data to the corresponding intervention history of the first virtual course of disease be server by history insurance data or its
The environmental data that his medical system, medical literature analysis obtain such as passes through data point to the effect tendency of insurer's health care costs
Analysis is learnt: smoke and dust environment can aggravate the state of an illness of bronchitis, the health care costs of the bronochitic in this environment with it is non-
The health care costs of patient in this environment certainly will having differences property.
Specifically, server introduces the environmental variance of object to be analyzed, carries out to the virtual course of disease that model analysis obtains
Supplement is corrected；Server analyzes the environmental data of insurer, by intervening this environmental data of historical forecast to insurer
The first virtual course of disease intervention situation, the first virtual course of disease is adjusted, the second virtual course of disease of insurer is obtained.
Above-described embodiment introduces intervention of the environmental factor to insurer's health care costs situation so that server for throw
Guarantor recommends to consider influence of the environmental data to insurer's physical condition when medical insurance scheme, can more accurately push away for insurer
Recommend medical insurance scheme.
In one embodiment, the above-mentioned medical insurance method of insuring further includes the generating mode of course of disease Matching Model, this mode can
To include:
S302 obtains history insurance data, carries history health data in history insurance data.
Wherein, history insurance data is that the history for a large amount of insurers that server is obtained from medicare system is insured information；
This history insurance data can be 1 year or insurance data several years ago on medical insurance product, is also possible to the medical insurance with the application and produces
The insurance data of the similar or related medical insurance product of product several years ago.
History health data is the health data of the correspondence insurer's physical condition carried in history insurance data, is thrown every time
Guarantor buys medical insurance product and requires to provide the health data of insurer, with facilitate medicare system to the insured risk of insurer into
Row assessment, then history health data is exactly the number of its health care costs situation of the reflection of insurer's offer of former purchase medical insurance product
According to.
Specifically, the history insurance data of server insurer insured before medicare system acquisition, this history are insured
It include the history health data of corresponding insurer in data.
S304 obtains corresponding course of disease data in prefixed time interval according to history health data.
Wherein, prefixed time interval is time interval corresponding with the time of policy purchase of medical insurance product, as in the application to throwing
The time limit of insuring for the medical insurance product that guarantor provides is a term, triennial, five terms, then server can be from history health data
Middle obtain suffers from course of disease data of a certain illness within each year, thus obtain this illness after illness each year health care costs
The variation of the variation health care costs situation of situation.
Course of disease data are the health care costs feelings of a certain illness extracted from history health data within a preset time interval
The variation of condition.The variation of health care costs situation；Specifically, server obtains the history insurance data for carrying history health data
Afterwards, the course of disease data of a certain illness within a preset time interval are extracted, successively to understand this illness between each preset time
Every the variation of the variation health care costs situation of interior health care costs situation.
Optionally, after server obtains history health data, capable of characterizing pair for this history health data can be identified
The keyword for the insurer institute illness disease answered, is then grouped history health data according to keyword, will suffer from same class
Then the insurer of illness obtains in each group the sick time of each insurer and corresponding insurer every as one group
Health care costs situation in one prefixed time interval.S306 obtains initial model, will be between history health data and preset time
It is input in initial model every interior corresponding course of disease data and is trained to obtain course of disease Matching Model.
Wherein, initial model is the blank model for training course of disease Matching Model, form and the disease that will be trained
Journey Matching Model is consistent.
Specifically, it by throwing the history health data in data to the history for largely suffering from same illness, can be corresponded to
This history health data in each prefixed time interval it is corresponding one health care costs variation tendency, it is especially right
In some chronic diseases, by finding identical or related disease case, by the mistake in history insurance data corresponding to this case
The virtual course of disease of the health care costs data as the corresponding sick time of such disease in a period of time is gone, and is instructed by the method
It is getting, can be obtained corresponding insurer in the first virtual course of disease of following a period of time according to the health and fitness information of input
Model, as course of disease Matching Model.
For example, diabetic (such as 6 years diabetic history/B patients of A patient, 3 years diabetic history/C patients can be suffered from by multidigit
1 year diabetic history) health care costs situation the variation in each year after illness of variation (deteriorate or cure etc.) analysis of diabetes
Situation can be according to upper if then wishing the variation of health care costs situation of the rigid patient for suffering from diabetes of acquisition in First Year
The state of an illness data of C patient and the health care costs of A and B patient's First Year are stated, as the virtual of diabetic's First Year
The course of disease；If wishing to obtain the variation of the variation health care costs situation of first 3 years health care costs situations, can analyze A patient first three
The health care costs situation of year actual health care costs situation and B patient's the first three years, forms corresponding diabetic's the first three years
Virtual course of disease etc..
Model training mode in above-described embodiment, according to history insurance data as training course of disease Matching Model according to
According to so that obtained course of disease Matching Model, it is virtual more accurately can to obtain first according to the health and fitness information of the insurer of input
The course of disease.
In one embodiment, the above-mentioned medical insurance method of insuring further includes model verification mode, this mode may include:
S402 obtains the verifying health data virtual course of disease of verifying corresponding with verifying health data.
Wherein, verifying health data is used to verify the health data of course of disease Matching Model；It can be from history health data
Certain proportion is chosen as verifying health data.
Verifying the virtual course of disease is the corresponding disease progression of verifying health data, the corresponding disease of available verifying health data
The variation of the health care costs situation of disease and this illness in continuous preset time period, which is established, verifies the virtual course of disease.
Specifically, when verifying to course of disease Matching Model, server obtains verifying health data and verifies healthy number
According to the corresponding virtual course of disease of verifying.
S404, it is virtually sick by the corresponding third of health data is verified in verifying health data input course of disease Matching Model
Journey.
Wherein, the virtual course of disease of third is that will verify after health data is input in course of disease Matching Model, is matched according to the course of disease
The virtual course of disease that the rule of training obtains in model.
Specifically, after server obtains verifying health data, it is inputted course of disease Matching Model, according to the rule of model training
Then this verifying health data is analyzed, the illness in identification verifying health data, and predicts this illness in following medical treatment
The variation for spending situation, obtains the virtual course of disease of third.
S406 obtains verifying health data in the first course of disease data of preset time according to the virtual course of disease is verified, according to the
The three virtual courses of disease obtain verifying health data in the second course of disease data of preset time.
Wherein, preset time is the time for judging the otherness for verifying the virtual course of disease and the virtual course of disease of third, choosing
Taking can select according to clinical experience.
Specifically, it after server obtains the virtual course of disease of the corresponding verifying of verifying health data and the virtual course of disease of third, needs
Compare the difference of the two, to verify the accuracy of course of disease Matching Model.And it is virtually sick due to verifying the virtual course of disease and third
Journey is the situation of change of the health care costs of (usually long period, such as 10 years) a certain illness in a period of time, therefore when relatively,
Can choose sometime put this verifying health data verify the first course of disease data in the virtual course of disease and in third it is virtually sick
The second course of disease data in journey.
S408 calculates the difference of the first course of disease data and the second course of disease data, when difference exceeds preset value, according to verifying
The virtual course of disease corrects course of disease Matching Model.
Specifically, server compares the first course of disease data and the second course of disease data, the difference of the two is calculated, when secondary difference is big
When preset value, then represents the result that course of disease Matching Model obtains and differ larger with the course of disease variation in reality, need to the course of disease
Matching Model is corrected.
Above-described embodiment is corrected course of disease Matching Model by verifying health data, so that course of disease Matching Model is more
It is accurate.
It should be understood that although each step in the flow chart of Fig. 2 to Fig. 4 is successively shown according to the instruction of arrow,
But these steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly state otherwise herein, these
There is no stringent sequences to limit for the execution of step, these steps can execute in other order.Moreover, Fig. 2 is into Fig. 4
At least part step may include that perhaps these sub-steps of multiple stages or stage are not necessarily same to multiple sub-steps
One moment executed completion, but can execute at different times, and the execution in these sub-steps or stage sequence is also not necessarily
Be successively carry out, but can at least part of the sub-step or stage of other steps or other steps in turn or
Alternately execute.
In one embodiment, it insures device as shown in figure 5, providing a kind of medical insurance, comprising: data obtaining module 100,
The course of disease establishes module 200, medical insurance product obtains module 300, instruction acquisition module of insuring 400 and module 500 of insuring, in which:
Data obtaining module 100, for receiving the request of insuring of user terminal transmission, request of insuring carries insurer's
Health and fitness information.
The course of disease establishes module 200, obtains and insurer matched for inputting health and fitness information in course of disease Matching Model
The one virtual course of disease.
Medical insurance product obtains module 300, for obtaining medical insurance product corresponding with the first virtual course of disease, and will be acquired
Medical insurance product is sent to the user terminal.
Instruction acquisition module of insuring 400, for receiving the throwing corresponding with acquired medical insurance product of user terminal return
Protect instruction.
Module of insuring 500 is insured for carrying out medical insurance according to instruction of insuring.
In one embodiment, above-mentioned medical insurance is insured device further include:
Keyword extracting module, for extracting the diagnosis keyword in health and fitness information and treatment keyword.
Then the above-mentioned course of disease establishes module, is also used to diagnose keyword and treatment keyword input state of an illness simulation model obtains
With the virtual course of disease of insurer matched first.
In one embodiment, the above-mentioned medical insurance medical insurance product in device of insuring obtains module, may include:
Expense computing unit, for calculating first payment for medical care of the insurer within the time limit of insuring according to the first virtual course of disease
With.
Medical insurance product acquiring unit, for obtaining medical insurance product corresponding with the first medical expense.
In one embodiment, the above-mentioned medical insurance medical insurance product in device of insuring obtains module, can also include:
It insures time limit acquiring unit, insures the time limit for being obtained from application of insuring.
First expense computing unit, for calculating first medical treatment of the insurer within the time limit of insuring according to the first virtual course of disease
Expense.
First expense computing unit obtains insurer for health and fitness information to be inputted trained expert analysis model and is throwing
Duration of insurance limits interior corresponding second health care costs.
Medical insurance product computing unit is produced for obtaining medical insurance corresponding with the first medical expense and the second medical expense
Product.
In one embodiment, above-mentioned medical insurance is insured device, can also include:
Environmental analysis module, for obtaining the corresponding environmental data of insurer.
History intervention module, for obtaining environmental data to the corresponding intervention history of the first virtual course of disease.
Intervene course of disease module, for the intervention according to intervention historical forecast environmental data to the first virtual course of disease of insurer
Situation obtains the second virtual course of disease of insurer according to situation is intervened.
Then above-mentioned medical insurance product obtains module, can be also used for obtaining medical insurance product corresponding with the second virtual course of disease.
In one embodiment, above-mentioned medical insurance device of insuring can also include:
Historical data obtains module and carries history health number in history insurance data for obtaining history insurance data
According to.
The course of disease obtains module, for obtaining corresponding course of disease data in prefixed time interval according to history health data.
Model training module, for obtaining initial model, by history health data and disease corresponding in prefixed time interval
Number of passes evidence, which is input in initial model, is trained to obtain course of disease Matching Model.
In one embodiment, above-mentioned medical insurance device of insuring can also include:
Course of disease module is verified, for obtaining the verifying health data virtual course of disease of verifying corresponding with verifying health data.
Model analysis module is verified health data correspondence for that will verify in health data input course of disease Matching Model
The virtual course of disease of third.
Timing extraction module, for obtaining verifying health data in first course of disease of preset time according to the virtual course of disease of verifying
Data obtain verifying health data in the second course of disease data of preset time according to the virtual course of disease of third.
Module is corrected, for calculating the difference of the first course of disease data and the second course of disease data, when difference exceeds preset value,
Course of disease Matching Model is corrected according to the virtual course of disease is verified.
It insures the specific restriction for limiting the method that may refer to insure above for medical insurance of device about medical insurance, herein not
It repeats again.Above-mentioned medical insurance modules in device of insuring can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is for storing medical insurance insurance data.The network interface of the computer equipment is used to pass through with external terminal
Network connection communication.To realize that a kind of medical insurance is insured method when the computer program is executed by processor.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, which performs the steps of when executing computer program receives the request of insuring that user terminal is sent, and throws
Protect the health and fitness information that request carries insurer；Health and fitness information is inputted in course of disease Matching Model and is obtained and insurer matched the
The one virtual course of disease；Medical insurance product corresponding with the first virtual course of disease is obtained, and it is whole that acquired medical insurance product is sent to user
End；Receive the instruction of insuring corresponding with acquired medical insurance product that user terminal returns；According to insuring, instruction carries out medical insurance throwing
It protects.
In one embodiment, processor executes the request of insuring that the reception user terminal realized when computer program is sent
It later, can also include: the diagnosis keyword and treatment keyword extracted in health and fitness information；Then processor executes computer program
The processor of Shi Shixian executes realize when computer program input health and fitness information in course of disease Matching Model and obtains and insurer
The matched first virtual course of disease may include: that diagnosis keyword and treatment keyword input state of an illness simulation model are obtained and thrown
The virtual course of disease of guarantor matched first.
In one embodiment, the acquisition realized doctor corresponding with first virtual course of disease when processor executes computer program
Product is protected, may include: to obtain to insure the time limit from application of insuring；Insurer is calculated in the time limit of insuring according to the first virtual course of disease
The first interior medical expense；Obtain medical insurance product corresponding with the first medical expense.
In one embodiment, the acquisition realized doctor corresponding with first virtual course of disease when processor executes computer program
Protect product, comprising: first medical expense of the insurer within the time limit of insuring is calculated according to the first virtual course of disease；Health and fitness information is defeated
Enter trained expert analysis model and obtains insurer's corresponding second health care costs within the time limit of insuring；It obtains and the first medical treatment
Expense and the corresponding medical insurance product of the second medical expense.
In one embodiment, that realizes when processor execution computer program inputs course of disease Matching Model for health and fitness information
In obtain with after the virtual course of disease of insurer matched first, further includes: obtain the corresponding environmental data of insurer；Obtain environment
Data are to the corresponding intervention history of the first virtual course of disease；According to intervention historical forecast environmental data to the first virtual disease of insurer
The intervention situation of journey obtains the second virtual course of disease of insurer according to situation is intervened；Then processor executes real when computer program
Existing acquisition medical insurance product corresponding with the first virtual course of disease may include: to obtain medical insurance production corresponding with the second virtual course of disease
Product.
In one embodiment, it further includes course of disease matching that processor, which executes the medical insurance method of insuring realized when computer program,
The generating mode of model, this mode include: to obtain history insurance data, carry history health data in history insurance data；
Corresponding course of disease data in prefixed time interval are obtained according to history health data；Initial model is obtained, by history health data
Course of disease data corresponding in prefixed time interval, which are input in initial model, is trained to obtain course of disease Matching Model.
In one embodiment, the medical insurance realized is insured method when processor executes computer program, can also include: to obtain
Take the verifying health data virtual course of disease of verifying corresponding with verifying health data；Verifying health data is inputted into course of disease Matching Model
In be verified the virtual course of disease of the corresponding third of health data；Verifying health data is obtained when default according to the virtual course of disease is verified
Between the first course of disease data, verifying health data is obtained in the second course of disease data of preset time according to the virtual course of disease of third；Meter
The difference for calculating the first course of disease data and the second course of disease data corrects disease according to the virtual course of disease is verified when difference exceeds preset value
Feelings simulation model.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor receives the request of insuring that user terminal is sent, and request of insuring carries throwing
The health and fitness information of guarantor；Health and fitness information is inputted in course of disease Matching Model and is obtained and the virtual course of disease of insurer matched first；It obtains
Medical insurance product corresponding with the first virtual course of disease is taken, and acquired medical insurance product is sent to the user terminal；It is whole to receive user
Hold the instruction of insuring corresponding with acquired medical insurance product returned；Medical insurance is carried out according to instruction of insuring to insure.
In one embodiment, the insuring for reception user terminal transmission realized when computer program is executed by processor is asked
It can also include: the diagnosis keyword and treatment keyword extracted in health and fitness information after asking；Then computer program is by processor
Realize when the processor execution computer program realized when execution input health and fitness information in course of disease Matching Model is obtained and is thrown
The virtual course of disease of guarantor matched first may include: to obtain diagnosis keyword and treatment keyword input state of an illness simulation model
With the virtual course of disease of insurer matched first.
In one embodiment, the acquisition realized when computer program is executed by processor is corresponding with the first virtual course of disease
Medical insurance product may include: to obtain to insure the time limit from the application of insuring；Insurer is calculated according to the first virtual course of disease throwing
The first medical expense in duration of insurance limit；Obtain medical insurance product corresponding with the first medical expense.
In one embodiment, the acquisition realized when computer program is executed by processor is corresponding with the first virtual course of disease
Medical insurance product, comprising: first medical expense of the insurer within the time limit of insuring is calculated according to the first virtual course of disease；By health and fitness information
It inputs trained expert analysis model and obtains insurer's corresponding second health care costs within the time limit of insuring；It obtains and the first doctor
Treatment expense and the corresponding medical insurance product of the second medical expense.
In one embodiment, that realizes when computer program is executed by processor matches mould for the health and fitness information input course of disease
It is obtained in type and after the virtual course of disease of insurer matched first, can also include: to obtain the corresponding environmental data of insurer；It obtains
Take environmental data to the corresponding intervention history of the first virtual course of disease；According to intervention historical forecast environmental data to the first of insurer
The intervention situation of the virtual course of disease obtains the second virtual course of disease of insurer according to situation is intervened；Then computer program is by processor
The acquisition realized when execution medical insurance product corresponding with the first virtual course of disease, may include: obtain it is corresponding with the second virtual course of disease
Medical insurance product.
In one embodiment, the medical insurance method of insuring realized when computer program is executed by processor can also include disease
The generating mode of journey Matching Model, this mode include: to obtain history insurance data, and history health is carried in history insurance data
Data；Corresponding course of disease data in prefixed time interval are obtained according to history health data；Initial model is obtained, by history health
Data are input in initial model with course of disease data corresponding in prefixed time interval and are trained to obtain course of disease Matching Model.
In one embodiment, the medical insurance realized when computer program is executed by processor is insured method, can also include:
Obtain the verifying health data virtual course of disease of verifying corresponding with verifying health data；The verifying health data input course of disease is matched into mould
The virtual course of disease of the corresponding third of health data is verified in type；Verifying health data is obtained default according to the virtual course of disease is verified
The first course of disease data of time obtain verifying health data in the second course of disease data of preset time according to the virtual course of disease of third；
The difference for calculating the first course of disease data and the second course of disease data is corrected when difference exceeds preset value according to the virtual course of disease is verified
State of an illness simulation model.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
Above embodiments only express the several embodiments of the application, and the description thereof is more specific and detailed, but can not
Therefore it is construed as limiting the scope of the patent.It should be pointed out that for those of ordinary skill in the art,
Under the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection scope of the application.
Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
- A kind of method 1. medical insurance is insured, which comprisesThe request of insuring that user terminal is sent is received, the request of insuring carries the health and fitness information of insurer；The health and fitness information is inputted in course of disease Matching Model and is obtained and the virtual course of disease of the insurer matched first；Medical insurance product corresponding with the described first virtual course of disease is obtained, and acquired medical insurance product is sent to user's end End；Receive the instruction of insuring corresponding with acquired medical insurance product that the user terminal returns；Medical insurance is carried out according to the instruction of insuring to insure.
- 2. the method according to claim 1, wherein it is described receive user terminal send request of insuring after, Include:Extract the diagnosis keyword and treatment keyword in the health and fitness information；Described input the health and fitness information in course of disease Matching Model obtains and the virtual course of disease of the insurer matched first, packet It includes:The diagnosis keyword and treatment keyword input state of an illness simulation model are obtained and the insurer matched the The one virtual course of disease.
- 3. the method according to claim 1, wherein acquisition medical insurance corresponding with the described first virtual course of disease Product, comprising:It obtains and insures the time limit from the application of insuring；The insurer is calculated in first medical expense insured in the time limit according to the described first virtual course of disease；Obtain medical insurance product corresponding with first medical expense.
- 4. the method according to claim 1, wherein acquisition medical insurance corresponding with the described first virtual course of disease Product, comprising:First medical expense of the insurer within the time limit of insuring is calculated according to the described first virtual course of disease；The health and fitness information is inputted into trained expert analysis model and obtains the insurer corresponding the within the time limit of insuring Two health care costs；Obtain medical insurance product corresponding with first medical expense and second medical expense.
- 5. the method according to claim 1, wherein described input the health and fitness information in course of disease Matching Model Obtain with after the virtual course of disease of the insurer matched first, further includes:Obtain the corresponding environmental data of the insurer；The environmental data is obtained to the corresponding intervention history of the described first virtual course of disease；According to environmental data described in the intervention historical forecast to the intervention situation of the first virtual course of disease of the insurer, according to The intervention situation obtains the second virtual course of disease of the insurer；Acquisition medical insurance product corresponding with the described first virtual course of disease, comprising:Obtain medical insurance product corresponding with the described second virtual course of disease.
- 6. the method according to claim 1, wherein the generating mode of the course of disease Matching Model, comprising:History insurance data is obtained, carries history health data in the history insurance data；Corresponding course of disease data in prefixed time interval are obtained according to the history health data；Initial model is obtained, the history health data is input to institute with course of disease data corresponding in the prefixed time interval It states and is trained to obtain course of disease Matching Model in initial model.
- 7. the method according to claim 1, wherein the method also includes:Obtain verifying health data and the corresponding virtual course of disease of verifying of the verifying health data；The verifying health data is inputted in the course of disease Matching Model and obtains the corresponding third void of the verifying health data The quasi- course of disease；Verifying health data is obtained in the first course of disease data of preset time, according to the third according to the virtual course of disease of verifying The virtual course of disease obtains verifying health data in the second course of disease data of the preset time；The difference for calculating first course of disease data and second course of disease data, when the difference exceeds preset value, according to The virtual course of disease of verifying corrects the course of disease Matching Model.
- The device 8. a kind of medical insurance is insured, which is characterized in that described device includes:Data obtaining module, for receiving the request of insuring of user terminal transmission, the request of insuring carries the strong of insurer Health information；The course of disease establishes module, obtains and the insurer matched for inputting the health and fitness information in course of disease Matching Model The one virtual course of disease；Medical insurance product obtains module, for obtaining medical insurance product corresponding with the described first virtual course of disease, and by acquired doctor It protects product and is sent to the user terminal；It insures instruction acquisition module, the finger of insuring corresponding with acquired medical insurance product returned for receiving the user terminal It enables；It insures module, carries out medical insurance for instruction of insuring according to and insure.
- 9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
- 10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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