CN109472709A - Insurance price calculation method, device, computer equipment and storage medium - Google Patents
Insurance price calculation method, device, computer equipment and storage medium Download PDFInfo
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- CN109472709A CN109472709A CN201811401119.4A CN201811401119A CN109472709A CN 109472709 A CN109472709 A CN 109472709A CN 201811401119 A CN201811401119 A CN 201811401119A CN 109472709 A CN109472709 A CN 109472709A
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- Prior art keywords
- insurance
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- medical insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- 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
- G16H40/00—ICT specially adapted for the management or administration of healthcare resources or facilities; ICT specially adapted for the management or operation of medical equipment or devices
Abstract
This application involves a kind of insurance price calculation method, device, computer equipment and storage mediums.The described method includes: getting the first medical insurance record from medical insurance server, and the second medical insurance record for the condition that meets is chosen from first medical insurance record；Receive the insurance products form of input；Second medical insurance record and the insurance products form are input in the insurance price computation model and obtain total amount for which loss settled；Insured number is calculated according to second medical insurance record；Insurance price is calculated according to total amount for which loss settled and the insured number.It can be improved the accuracy of insurance price calculating using this method.
Description
Technical field
This application involves field of computer technology, set more particularly to a kind of insurance price calculation method, device, computer
Standby and storage medium.
Background technique
Insurance Pricing refers to the knowledge and principle with subjects such as mathematics, statistics, finance, Insurance and demographys
The project for solving to need to accurately calculate in business insurance and various social security business is gone, such as the measurement of the death rate, life table
Construction, the determining of rate, the meter of Reserve Fund mentions and business surplus distribution etc., guarantees the stability and safety of Insurance Management with this
Property.
But in traditional technology, it is artificial with a small amount of data that Insurance Pricing is normally based on traditional statistical algorithm
Price estimation is carried out, causes the Insurance Pricing finally obtained inaccurate.
Summary of the invention
Based on this, it is necessary in view of the above technical problems, provide a kind of insurance price calculating side that can be improved accuracy
Method, device, computer equipment and storage medium.
A kind of insurance price calculation method, which comprises
The first medical insurance record is got from medical insurance server, and chooses the of the condition that meets from first medical insurance record
Two medical insurances record；
Receive the insurance products form of input；
Second medical insurance record and the insurance products form are input in the insurance price computation model and are obtained
Total amount for which loss settled；
Insured number is calculated according to second medical insurance record；
Insurance price is calculated according to total amount for which loss settled and the insured number.
The second medical insurance note that the condition that meets is chosen from first medical insurance record in one of the embodiments,
Record, comprising:
Ground and insurer's feature are launched in the insurance for receiving input；
Doctor corresponding with insurance dispensing ground and insurer's feature is got from first medical insurance record
Record is protected to record as the second medical insurance.
The second medical insurance note that the condition that meets is chosen from first medical insurance record in one of the embodiments,
Record, comprising:
Receive the classifying rules of input；
First medical insurance is recorded according to the classifying rules and is classified with insurer's feature with launching according to insurance
Obtain the second medical insurance record for meeting condition；
It is described that second medical insurance record and the insurance products form are input in the insurance price computation model
Obtain total amount for which loss settled, comprising:
Sorted second medical insurance record and the insurance products form are input to parallel in insurance price computation model
Obtain corresponding total amount for which loss settled；
It is described that insured number is calculated according to second medical insurance record, comprising:
Sorted second medical insurance of parallel computation records corresponding insured number；
It is described that insurance price is calculated according to total amount for which loss settled and the insured number, comprising:
Corresponding total amount for which loss settled is recorded according to sorted second medical insurance respectively and insured population number meter calculates sorted doctor
Guarantor records corresponding insurance price.
In one of the embodiments, it is described get the first medical insurance record from medical insurance server after, further includes:
Whether there is content in accessed the first medical insurance record of detection is empty third medical insurance record；
When being empty third medical insurance record there are content, then the third medical insurance record is deleted；
Preset field is obtained, and is not deleted with preset field not in the first medical insurance record after deleting third medical insurance record
The field matched.
In one of the embodiments, it is described second medical insurance record and the insurance products form are input to it is described
Total amount for which loss settled is obtained in insurance price computation model, comprising:
Input data table corresponding with the insurance price computation model is obtained, and empties the input data table；
Second medical insurance record is input in the input data table；
The input data table for having input the second medical insurance record and the insurance products form are input to the insurance price
Total amount for which loss settled is obtained in computation model.
In one of the embodiments, it is described second medical insurance record and the insurance products form are input to it is described
Before obtaining total amount for which loss settled in insurance price computation model, comprising:
Receive historical years and the prediction time of input；
Obtain medical number growth rate and per capita monovalent growth rate；
Second medical insurance record is adjusted according to the medical number growth rate and the growth rate monovalent per capita.
A kind of insurance price computing device, described device include:
Medical insurance record obtains module, for getting the first medical insurance record from medical insurance server, and from first medical insurance
The the second medical insurance record for the condition that meets is chosen in record；
First receiving module, insurance products form for receiving input；
Model computation module, for second medical insurance record and the insurance products form to be input to the insurance valence
Total amount for which loss settled is obtained in lattice computation model；
Insured number computing module, for insured number to be calculated according to second medical insurance record；
Insurance price computing module, for insurance valence to be calculated according to total amount for which loss settled and the insured number
Lattice.
The medical insurance record acquisition module includes: in one of the embodiments,
Ground and insurer's feature are launched in first receiving unit, insurance for receiving input；
Insurance record selection unit launches ground and institute with the insurance for getting from first medical insurance record
The corresponding medical insurance record of insurer's feature is stated to record as the second medical insurance.
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 insurance price calculation method, device, computer equipment and storage medium get first from medical insurance server
Medical insurance record, and choose to the second medical insurance record for calculating insurance price, remembered according to different product form and medical insurance
Record automatic imitation medical insurance claims obtain total amount for which loss settled, so as to accurately be calculated according to total amount for which loss settled and insured number
Insurance price is calculated to insurance price, and according to medical insurance record, the authenticity of insurance products setting is ensure that, is further ensured that
The accuracy of insurance price.
Detailed description of the invention
Fig. 1 is the application scenario diagram of insurance price calculation method in one embodiment；
Fig. 2 is the flow diagram of insurance price calculation method in one embodiment；
Fig. 3 is the flow chart of the insurance price calculation method in another embodiment；
Fig. 4 is the structural block diagram of insurance price computing device in one embodiment；
Fig. 5 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.
Insurance price calculation method provided by the present application, can be applied in application environment as shown in Figure 1.Wherein, eventually
End is communicated by network with medical insurance server.Wherein terminal can get the first medical insurance record from medical insurance server, and
The the second medical insurance record for the condition that meets is chosen from the first medical insurance record, terminal can also receive the insurance products shape of user's input
State will can obtain total in the insurance products form of user's input and the second medical insurance record input insurance price computation model
Amount for which loss settled；Insured number is calculated according to the second medical insurance record；Guarantor is calculated according to total amount for which loss settled and insured number
Dangerous price.It wherein settles a claim to obtain total amount for which loss settled by insurance price computation model analog subscriber, be counted further according to insured number
Calculation obtains insurance price, so that the calculated insurance price of institute is more accurate.Wherein, terminal can be, but not limited to be various individuals
Computer, laptop, smart phone, tablet computer and portable wearable device, server can use independent service
The server cluster of device either multiple servers composition is realized.
In one embodiment, as shown in Fig. 2, providing a kind of insurance price calculation method, it is applied to Fig. 1 in this way
In terminal for be illustrated, comprising the following steps:
S202: the first medical insurance record is got from medical insurance server, and is chosen from the first medical insurance record and meets condition
Second medical insurance record.
Specifically, medical insurance server is the server for storing medical insurance record, and terminal can be obtained from the medical insurance server
It gets the first medical insurance to record and store to local, such as gets medical insurance record from medical insurance server by way of crawling.The
One medical insurance record, the second medical insurance record are the medical insurance records for storing the medical insurance information of client, wherein may include user
Name, gender, consultation time, medical price, disease type, medication type and type of used diagnosis and treatment equipment etc..
In practical applications, terminal can be chosen from the first medical insurance record according to the various conditions that user inputs meets item
Second medical insurance of part records, i.e., records to be input to the second medical insurance of insurance price computation model.Such as user can be to terminal
Regional condition, time condition etc. are inputted, terminal chooses corresponding second medical insurance from the first medical insurance record according to the condition of input
Record, second medical insurance record is for the input as insurance price computation model.
S204: the insurance products form of input is received.
Specifically, insurance products form refers to that Claims Resolution type, the premium of designed insurance products pay type etc..Such as
It may include four kinds of type of payment: paying for oneself, pay that the coverage area amount of money, total spend do not subtract insurance and do not cover plus insurance for oneself
The range amount of money, total cost；It rises in year and pays a line, annual payment limit and the limitation of annual claim times and be hospitalized, outpatient service and pharmacy
It is respective to pay volume, Payment Proportion and the payment limit settled a claim every time etc. for oneself.Historical years and prediction time, insured number, in hospital,
The expenditure trend of outpatient service and pharmacy is divided into medical number and per capita unit price, and other factors (for example, insured people's behavior etc.) are to medical treatment
The influence of expenditure is divided into medical number and per capita unit price.
The insurance products form can be the volume that user carries out selection according to the display interface of terminal, such as terminal can be shown
Show a variety of insurance products forms, user can choose those insurance products forms.Or the insurance products form can be user
Be input to terminal, i.e., the file of designed insurance products form be input in terminal, terminal to the content of this document into
Row keyword recognition, to get in the form of corresponding insurance products.
S206: the second medical insurance record and insurance products form are input in insurance price computation model and obtain gold of always settling a claim
Volume.
Specifically, insurance price computation model is previously according to insurance products form generating, and terminal will be obtained every
One the second medical insurance record is input to insurance price computation model, thus insurance price computation model can according to product form into
The corresponding amount for which loss settled of second medical insurance record is calculated in row.
For example, when the second medical insurance be recorded as client A hospital see a doctor take X member, then due to insurance products form
Corresponding rising pays line as B member, then the amount for which loss settled of the client is X-B member.In such a manner, terminal is directed to every one second
Medical insurance record calculates corresponding amount for which loss settled, and amount for which loss settled calculated is summarized to obtain total amount for which loss settled.
S208: insured number is calculated according to the second medical insurance record.
Specifically, insured number refers to the number that may be insured, and specifically, terminal can record institute according to the second medical insurance
The corresponding time gets the insured number of history, then gets number growth rate, insured according to number growth rate and history
Number is calculated the second medical insurance and records corresponding insured number, that is, predicts the insured number in time.Wherein number growth rate can
It is calculated according to the insured number of history of different year with to be, such as insured than upper last year by the insured number of the year before last
Number obtains number growth rate, and optionally, terminal is available to the multiple number growth rates of several years calculating, then goes growth rate
Mean value record corresponding growth rate as the second medical insurance, then according to the Growth Rate Calculation obtain prediction the time insured people
Number.
S210: insurance price is calculated according to total amount for which loss settled and insured number.
Specifically, insurance price can be calculated according to total amount for which loss settled and insured number in terminal, such as passes through premier
Insurance price can be obtained than upper insured number by paying for the amount of money.Optionally, which is the insurance price in the case of not getting a profit,
Therefore insurance price, such as insurance price=(Jin He+expection of always settling a claim can be being got a profit and then are being calculated plus expected
Profit)/insured number.
Above-mentioned insurance price calculation method gets the first medical insurance record from medical insurance server, and chooses to for calculating
Second medical insurance of insurance price records, and obtains premier according to different product form and medical insurance record automatic imitation medical insurance claims
The amount of money is paid for, so as to which insurance price is accurately calculated according to total amount for which loss settled and insured number, and is recorded according to medical insurance
Insurance price is calculated, the authenticity of insurance products setting is ensure that, further ensures the accuracy of insurance price.
The the second medical insurance record for the condition that meets is chosen from the first medical insurance record in one of the embodiments, comprising: connect
Ground and insurer's feature are launched in the insurance for receiving input；It is got from the first medical insurance record and launches ground and insurer with insurance
The corresponding medical insurance record of feature is recorded as the second medical insurance.
Specifically, insurance refers to insurance to be putly with launching, that is, the area of wanted marketing insurance product, such as can be
Shanghai, Shandong, or can be China, Europe etc., it specifically can be and inputted by user.Insurer be characterized in referring to by
The feature that insurer distinguishes from crowd, may include age, gender, the people for not suffering from certain disease etc., herein not
Do specific restriction.
Terminal from medical insurance server get the first medical insurance record after, can according to user input insurance launch with
And insurer's feature chooses the second medical insurance record from the first medical insurance record, can ensure that the specific aim of Insurance Pricing in this way.
In practical applications, user can input the spy for insuring and launching with the insurer of safety pin pair to terminal first
Sign, terminal according to institute it is received insurance launch and safety pin pair insurer feature from the first medical insurance record in choose second
Medical insurance record.Optionally, first it can choose and protect from the first medical insurance record with launching according to insurance to improve efficiency terminal
Corresponding medical insurance record is launched in danger, then chooses from selected medical insurance record further according to insurer's feature special with insurer
Levy corresponding second medical insurance record.So as to which the second medical insurance record and insurance products form are input in Model of Insurance Pricing
Obtain total amount for which loss settled.
Specifically, when such as insurance products are directed to the teenager in the area A, then terminal is first from the first medical insurance record
It chooses medical insurance corresponding with the area A to record, the second doctor is then chosen from selected medical insurance record according to the teen-age age
Record is protected, with the setting for the crowd of completing.
It, can be according to the insurance dispensing that user inputs with insurer's feature from the first medical insurance record in above-described embodiment
Choose targeted second medical insurance record so that the price of insurance products and crowd link up with, i.e., using some or
Each medical insurance in certain city specific crowds records (social security Claims Resolution data), simulates the Claims Resolution situation of specific crowd, so that
Insurance Pricing is more accurate.
The the second medical insurance record for the condition that meets is chosen from the first medical insurance record in one of the embodiments, comprising: connect
Receive the classifying rules of input；The first medical insurance is recorded according to classifying rules and is classified with insurer's feature with launching according to insurance
Obtain the second medical insurance record for meeting condition.It is calculated to which the second medical insurance record and insurance products form are input to insurance price
Total amount for which loss settled is obtained in model, comprising: sorted second medical insurance record and insurance products form are input to insurance parallel
Corresponding total amount for which loss settled is obtained in calculation of price model.Insured number is calculated according to the second medical insurance record, comprising: parallel
It calculates sorted second medical insurance and records corresponding insured number.Guarantor is calculated according to total amount for which loss settled and insured number
Dangerous price, comprising: after recording corresponding total amount for which loss settled and insured population number meter point counting class according to sorted second medical insurance respectively
Medical insurance record corresponding insurance price.
Specifically, classifying rules refers to the rule that the first medical insurance record is divided into multiple second medical insurance records, such as it can
To be to launch the rule that area is classified, the rule etc. classified according to insurer's feature according to insurance.It may refer to figure
3, Fig. 3 be the flow chart of the insurance price calculation method in another embodiment.Terminal is crawled from medical insurance server to first first
Medical insurance record, receives the classifying rules of input；According to classifying rules by the first medical insurance record according to insurance launch and insurer
Feature is classified the second medical insurance record for obtaining the condition of satisfaction, such as is classified with launching according to insurance first, by first
Medical insurance record is divided into the area A medical insurance record and the area B medical insurance record, is then drawn the area A medical insurance record according to insurer's feature
It is divided into the area A teenager's medical insurance record and the area A children's medical insurance record, medical insurance record in the area B is divided into the area B teenager doctor
Protect record and the area B children's medical insurance record.Terminal receives the insurance products form of user's input, and then terminal is by obtained A
Regional teenager's medical insurance record, the area A children's medical insurance record, the area B teenager's medical insurance record and the area B children's medical insurance record with
And insurance products form is input in insurance price computation model parallel to respectively obtain corresponding total amount for which loss settled, such as A
Area's teenager's medical insurance records corresponding first total amount for which loss settled, and the children's medical insurance of the area A records corresponding second total amount for which loss settled, the area B
Teenager's medical insurance records the corresponding total amount for which loss settled of third, and the children's medical insurance of the area B records corresponding 4th total amount for which loss settled, then parallel
It gets the teenager's medical insurance of the area A and records corresponding first insured number, the children's medical insurance of the area A records corresponding second insured people
Number, the teenager's medical insurance of the area B record the corresponding insured number of third, and the children's medical insurance of the area B records corresponding 4th insured number.
Finally corresponding Insurance Pricing is obtained further according to accessed total amount for which loss settled and insured number.
Optionally, in the Insurance Pricing of the crowd for the different classifications for getting parallel processing, terminal can also be to difference
The Insurance Pricing of crowd is ranked up, and provides Insurance Pricing according to ranking results to instruct, such as by Insurance Pricing more than pre-
If the crowd of range is marked, to indicate to launch ground not as insurance, by Insurance Pricing being also marked in preset range,
So as to remind user can be with high spot reviews to launch ground as insurance, so as to fixed according to the corresponding insurance of each crowd
Valence gets the range of Insurance Pricing, so as to select Insurance Pricing crowd appropriate to launch
In above-described embodiment, classify according to classifying rules to the first medical insurance record, so that sorted second be cured
It protects parallel be input in insurance price computation model of record to be handled, improves the speed of processing.
In one of the embodiments, from medical insurance server get the first medical insurance record after, can also include: detection
With the presence or absence of the third medical insurance record that content is sky in accessed the first medical insurance record；When there are the third that content is sky doctors
When protecting record, then third medical insurance record is deleted；Preset field is obtained, and the first medical insurance record after deleting third medical insurance record
Middle deletion and the unmatched field of preset field.
Specifically, in order to guarantee that the validity of acquired data, terminal are right first after getting the first medical insurance record
First medical insurance record is cleaned, such as deleting content is empty medical insurance record, and third medical insurance record herein refers in record
Content be empty medical insurance record, such as can be the content of specific fields is empty record, and wherein specific fields can be disease
Sick field, drug record, expense field etc., wherein it just can be considered as the third doctor that content is sky that all specific fields, which are sky,
Record is protected, then can be empty word according to the content polishing of other fields content when the content of only one field is empty
Section, such as inquiry database corresponding with the null field, obtaining content by the mapping relations of other fields in database is
The content of empty field, then obtained content polishing to corresponding content is obtained into complete medical insurance and is recorded.Such as work as expense
When field is empty, terminal is available to arrive drug field, and inquires drug storage and obtain the corresponding expense of drug, then passes through inquiry
To expense supplement the expense field.Also or when drug field is empty, terminal can inquire disease and the mapping of drug is closed
It is library, corresponding drug is inquired by disease, then the drug inquired is screened to obtain by expense field final
Drug, then by obtained drug supplemental content be empty drug field, in other embodiments, can also be other
Processing mode is not specifically limited herein.
Terminal obtains preset field, wherein preset field refers to defeated after deleting content and being empty third medical insurance record
The medical insurance entered into insurance price computation model records essential field, such as gender, age, disease type, drug class
Type, expense etc..Field in first medical insurance record is matched with the preset field, it is unsuccessful when matching, then it is pre- to delete this
If field, work as successful match, then retain the field, the data so as to record the first medical insurance are reduced, to reduce
Data processing amount improves the processing speed of data.Wherein the field in the first medical insurance record is matched with the preset field
When can not do specific restriction herein by the way of fuzzy matching.
In above-described embodiment, after terminal gets the first medical insurance record, first medical insurance record is cleaned first,
It ensure that the validity for the medical insurance record being input in insurance price computation model, so that the accuracy of Insurance Pricing is improved,
And delete the data that invalid content is sky, the processing speed of insurance price computation model can also be improved.
The second medical insurance record and insurance products form are input to insurance price computation model in one of the embodiments,
In obtain total amount for which loss settled, may include: acquisition input data table corresponding with insurance price computation model, and empty input number
According to table；Second medical insurance record is input in input data table；Input data table and the insurance of the second medical insurance record will be had input
Product form, which is input in insurance price computation model, obtains total amount for which loss settled.
Specifically, in order to guarantee the medical insurance being input in insurance price computation model record validity, can be by second
Medical insurance record storage is into input data table corresponding with insurance price computation model.And in order to avoid the last time is input to insurance
Medical insurance record in calculation of price model influences this calculating, and it is corresponding that terminal can get first insurance price computation model
Then input data table empties the data in input data table, the second medical insurance record is then input to the input after emptying
In tables of data, for example, can by the first medical insurance record be cleaned after, then therefrom choose to the second medical insurance record, by second doctor
It protects record to be input in input data table, then input data table is input in insurance price computation model.And optionally, when
When second medical insurance record is classified, it can establish multiple input data tables, such as basis can divide in a book
Rule-like establishes multiple input data tables, to be not in data corruption when the second medical insurance records progress parallel processing
Situation ensure that the validity of data processing.
In above-described embodiment, the second medical insurance record is input in corresponding input data table, ensure that insurance price meter
The second medical insurance record can be handled without any confusion by calculating model, and before the second medical insurance record is input to input data table,
Input data table is subjected to situation first, this can be calculated to avoid the second medical insurance record that the last time is handled in this way
It influences, avoiding insurance price calculated is not in deviation, improves the accuracy of insurance price calculated.
The second medical insurance record and insurance products form are input to insurance price computation model in one of the embodiments,
In obtain total amount for which loss settled before, comprising: receive historical years and the prediction time of input；Obtain medical number growth rate and people
Unit price growth rate；Monovalent growth rate is adjusted the second medical insurance record according to medical number growth rate and per capita.
Specifically, the input data of insurance price computation model may include 1, historical years and prediction time.2, insured
Number.3, it is hospitalized, the expenditure trend of outpatient service and pharmacy, is divided into medical number and per capita unit price.4, other factors are (for example, insured
People's behavior etc.) influence to medical expense, it is divided into medical number and monovalent per capita.5, it four kinds of reimbursement of expense types: pays for oneself, pay for oneself
In addition insuring not the coverage area amount of money, total spend subtracts insurance not the coverage area amount of money, total cost.6, it rises in year and pays line, year
Pay limit and annual claim times limitation.7, it is hospitalized, outpatient service and pharmacy is respective pays volume, Payment Proportion for oneself and every time settle a claim
Pay limit.
Insured number can be and calculate obtained, end as described above according to the insured number of historical years
End can get the insured number of history according to the second medical insurance record corresponding time, then get number growth rate, root
The second medical insurance is calculated according to number growth rate and the insured number of history and records corresponding insured number, that is, predicts the ginseng in time
Guarantor's number.Wherein number growth rate, which can be, is calculated according to the insured number of history of different year, such as passes through the year before last
Insured number obtain number growth rate than the insured number of upper last year.
For being hospitalized, the expenditure trend of outpatient service and pharmacy, be divided into medical number and per capita unit price.Other factors are (for example, ginseng
Guarantor's behavior etc.) influence to medical expense, it is divided into medical number and monovalent per capita.Terminal can also be according to the meter of historical years
Calculate obtain in hospital, the expenditure trend of outpatient service and pharmacy and other factors to the effect tendency of medical expense, according to the trend with
And being hospitalized of historical years, the medical number of outpatient service and pharmacy and per capita unit price be calculated being hospitalized of prediction time, outpatient service and
The medical number of pharmacy and per capita unit price, so that user can be by historical years, prediction time, the insured people precalculated
Number, medical number, unit price etc. is input in insurance price computation model per capita.
And in order to improve the treatment effeciency of terminal, terminal can according to historical years, the prediction time, precalculate
Insured number, medical number, unit price etc. is adjusted the second medical insurance record per capita, such as obtains medical number growth rate and people
Unit price growth rate, monovalent growth rate, which records the second medical insurance, according to medical number growth rate and per capita is adjusted.To eventually
The second acquired medical insurance record and insurance products form are input in insurance price computation model by end obtains total amount for which loss settled
The step of, it is the medical insurance record for getting historical years, the prediction time is calculated according to the second medical insurance of historical years record
The second medical insurance record, such as unit price is adjusted to the medical number in the second medical insurance of historical years record and per capita, so
Total amount for which loss settled is calculated by insurance price Jing Si garden model again afterwards, terminal is according to the second medical insurance record and history inputted
The insured number in the prediction time that time and prediction time are calculated, so that Insurance Pricing is more accurate.
In above-described embodiment, the second medical insurance record of be input to insurance price computation model is pre- according to medical insurance big data
It is first handled, i.e., the medical insurance data in prediction time is obtained according to growth rate, be input to insurance price meter so as to improve
The accuracy for calculating the second medical insurance record in model, further increases the accuracy of insurance price calculated.
It should be understood that although each step in the flow chart of Fig. 2 and Fig. 3 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, in Fig. 2 and Fig. 3
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, as shown in figure 4, providing a kind of insurance price computing device, comprising: medical insurance record obtains
Module 100, the first receiving module 200, model computation module 300, insured number computing module 400 and insurance price computing module
500, in which:
Medical insurance record obtains module 100, for getting the first medical insurance record from medical insurance server, and remembers from the first medical insurance
The the second medical insurance record for the condition that meets is chosen in record.
First receiving module 200, insurance products form for receiving input.
Model computation module 300 calculates mould for the second medical insurance record and insurance products form to be input to insurance price
Total amount for which loss settled is obtained in type.
Insured number computing module 400, for insured number to be calculated according to the second medical insurance record.
Insurance price computing module 500, for insurance price to be calculated according to total amount for which loss settled and insured number.
In one embodiment, medical insurance record acquisition module 100 may include:
Ground and insurer's feature are launched in first receiving unit, insurance for receiving input.
Insurance record selection unit launches ground and insurer's feature with insurance for getting from the first medical insurance record
Corresponding medical insurance record is recorded as the second medical insurance.
In one embodiment, medical insurance record acquisition module 100 may include:
Second receiving unit, classifying rules for receiving input.
Taxon carries out with launching for being recorded the first medical insurance according to classifying rules according to insurance with insurer's feature
Classification obtains the second medical insurance record for meeting condition.
Model computation module 300 can be also used for parallel inputting sorted second medical insurance record and insurance products form
Corresponding total amount for which loss settled is obtained into insurance price computation model.
Insured number computing module 400 can be also used for sorted second medical insurance of parallel computation and record corresponding ginseng
Guarantor's number.
Insurance price computing module 500 can be also used for recording corresponding total Claims Resolution according to sorted second medical insurance respectively
The amount of money and insured population number meter calculate sorted medical insurance and record corresponding insurance price.
In one embodiment, which can also include:
Detection module, for detecting in accessed the first medical insurance record with the presence or absence of the third medical insurance note that content is sky
Record.
First removing module, for when being empty third medical insurance record there are content, then deleting third medical insurance record.
Second removing module, for obtaining preset field, and from the first medical insurance record after deletion third medical insurance record
It deletes and the unmatched field of preset field.
In one embodiment, model computation module 300 may include:
Tables of data empties unit, for obtaining input data table corresponding with insurance price computation model, and empties input
Tables of data.
Data input cell, for the second medical insurance record to be input in input data table.
Model computing unit, for the input data table and insurance products form that have input the second medical insurance record to be input to
Total amount for which loss settled is obtained in insurance price computation model.
In one embodiment, which can also include:
Second receiving module, historical years for receiving input and prediction time.
Growth rate obtains module, for obtaining medical number growth rate and per capita monovalent growth rate.
Module is adjusted, is adjusted for being recorded according to medical number growth rate and per capita monovalent growth rate to the second medical insurance
It is whole.
Specific about insurance price computing device limits the limit that may refer to above for insurance price calculation method
Fixed, details are not described herein.Modules in above-mentioned insurance price computing device can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be terminal, internal structure
Figure can be as shown in Figure 5.The computer equipment includes processor, the memory, network interface, display connected by system bus
Screen and input unit.Wherein, the processor of the computer equipment is for providing calculating and control ability.The computer equipment is deposited
Reservoir includes non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system and computer journey
Sequence.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The network interface of machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor with
Realize a kind of insurance price calculation method.The display screen of the computer equipment can be liquid crystal display or electric ink is shown
Screen, the input unit of the computer equipment can be the touch layer covered on display screen, be also possible on computer equipment shell
Key, trace ball or the Trackpad of setting can also be external keyboard, Trackpad or mouse etc..
It will be understood by those skilled in the art that structure shown in Fig. 5, 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, the processor perform the steps of from medical insurance server when executing computer program and get the first medical insurance note
Record, and selection meets the second medical insurance record of condition from the first medical insurance record；Receive the insurance products form of input；By second
Medical insurance record and insurance products form, which are input in insurance price computation model, obtains total amount for which loss settled；It is recorded according to the second medical insurance
Insured number is calculated；Insurance price is calculated according to total amount for which loss settled and insured number.
In one embodiment, processor executes the selection from the first medical insurance record realized when computer program and meets
Second medical insurance of condition records, and may include: the insurance dispensing ground and insurer's feature for receiving input；It is recorded from the first medical insurance
In get and launch ground and insurer's feature corresponding medical insurance record as the second medical insurance with insurance and record.
In one embodiment, processor executes the selection from the first medical insurance record realized when computer program and meets
Second medical insurance of condition records, and may include: the classifying rules for receiving input；According to classifying rules by the first medical insurance record according to
Ground is launched in insurance and insurer's feature is classified the second medical insurance record for obtaining the condition of satisfaction；Processor executes computer program
When realized the second medical insurance record and insurance products form are input in insurance price computation model obtain total amount for which loss settled,
It may include: that sorted second medical insurance record and insurance products form are input to parallel in insurance price computation model to obtain
Corresponding total amount for which loss settled；That is realized when processor execution computer program is calculated insured people according to the second medical insurance record
Number, may include: that sorted second medical insurance of parallel computation records corresponding insured number；Processor executes computer journey
That is realized when sequence is calculated insurance price according to total amount for which loss settled and insured number, may include: respectively according to classification after
The second medical insurance record corresponding total amount for which loss settled and insured population number meter and calculate sorted medical insurance and record corresponding insurance price.
In one embodiment, that is realized when processor execution computer program gets the first doctor from medical insurance server
It protects after recording, can also include: the third medical insurance detected in accessed the first medical insurance record with the presence or absence of content for sky
Record；When being empty third medical insurance record there are content, then third medical insurance record is deleted；Preset field is obtained, and from deletion
It is deleted and the unmatched field of preset field in the first medical insurance record after third medical insurance record.
In one embodiment, processor execute realized when computer program by the second medical insurance record and insurance products
Form, which is input in insurance price computation model, obtains total amount for which loss settled, may include: acquisition and insurance price computation model pair
The input data table answered, and empty input data table；Second medical insurance record is input in input data table；Second will be had input
The input data table and insurance products form of medical insurance record are input in insurance price computation model and obtain total amount for which loss settled.
In one embodiment, processor execute realized when computer program by the second medical insurance record and insurance products
Form is input to obtain total amount for which loss settled in insurance price computation model before, may include: receive input historical years and
Predict the time；Obtain medical number growth rate and per capita monovalent growth rate；Unit price increases according to medical number growth rate and per capita
Rate is adjusted the second medical insurance record.
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 from medical insurance server when being executed by processor and gets the first medical insurance record, and from the first medical insurance
The the second medical insurance record for the condition that meets is chosen in record；Receive the insurance products form of input；Second medical insurance is recorded and insured
Product form, which is input in insurance price computation model, obtains total amount for which loss settled；Insured people is calculated according to the second medical insurance record
Number；Insurance price is calculated according to total amount for which loss settled and insured number.
In one embodiment, choosing from the first medical insurance record for being realized when computer program is executed by processor is full
Second medical insurance of sufficient condition records, and may include: the insurance dispensing ground and insurer's feature for receiving input；Remember from the first medical insurance
Medical insurance record corresponding with insurance dispensing ground and insurer's feature is got in record to record as the second medical insurance.
In one embodiment, choosing from the first medical insurance record for being realized when computer program is executed by processor is full
Second medical insurance of sufficient condition records, and may include: the classifying rules for receiving input；The first medical insurance record is pressed according to classifying rules
Classified the second medical insurance record for obtaining the condition of satisfaction with insurer's feature with launching according to insurance；Computer program is by processor
Realized when execution the second medical insurance record and insurance products form are input in insurance price computation model is always settled a claim
The amount of money may include: that sorted second medical insurance record and insurance products form are input to insurance price computation model parallel
In obtain corresponding total amount for which loss settled；That is realized when computer program is executed by processor calculates according to the second medical insurance record
It may include: that sorted second medical insurance of parallel computation records corresponding insured number to insured number；Computer program
That is realized when being executed by processor is calculated insurance price according to total amount for which loss settled and insured number, may include: difference
According to sorted second medical insurance record corresponding total amount for which loss settled and insured population number meter calculate sorted medical insurance record it is corresponding
Insurance price.
In one embodiment, that is realized when computer program is executed by processor gets first from medical insurance server
It can also include: to detect in accessed the first medical insurance record with the presence or absence of the third doctor that content is sky after medical insurance record
Protect record；When being empty third medical insurance record there are content, then third medical insurance record is deleted；Preset field is obtained, and from deleting
Except deletion and the unmatched field of preset field in the first medical insurance record after third medical insurance record.
In one embodiment, realized when computer program is executed by processor the second medical insurance is recorded and insured produces
Product form, which is input in insurance price computation model, obtains total amount for which loss settled, may include: acquisition and insurance price computation model
Corresponding input data table, and empty input data table；Second medical insurance record is input in input data table；Will be had input
The input data table and insurance products form of two medical insurances record are input in insurance price computation model and obtain total amount for which loss settled.
In one embodiment, realized when computer program is executed by processor the second medical insurance is recorded and insured produces
Product form is input to obtain total amount for which loss settled in insurance price computation model before, may include: receive input historical years
With the prediction time；Obtain medical number growth rate and per capita monovalent growth rate；Unit price increases according to medical number growth rate and per capita
Long rate is adjusted the second medical insurance record.
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.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of insurance price calculation method, which comprises
The first medical insurance record is obtained from medical insurance server, and chooses the second medical insurance of the condition that meets from first medical insurance record
Record；
Receive the insurance products form of input；
Second medical insurance record and the insurance products form are input in insurance price computation model and obtain gold of always settling a claim
Volume；
Insured number is calculated according to second medical insurance record；
Insurance price is calculated according to total amount for which loss settled and the insured number.
2. the method according to claim 1, wherein described choose from first medical insurance record meets condition
The second medical insurance record include:
Ground and insurer's feature are launched in the insurance for receiving input；
Medical insurance corresponding with insurance dispensing ground and insurer's feature is obtained from first medical insurance record to record
It is recorded as the second medical insurance.
3. the method according to claim 1, wherein described choose from first medical insurance record meets condition
The second medical insurance record, comprising:
Receive the classifying rules of input；
First medical insurance is recorded according to insurance dispensing according to the classifying rules and insurer's feature is classified to obtain
Meet the second medical insurance record of condition；
It is described that second medical insurance record and the insurance products form are input in the insurance price computation model and are obtained
Total amount for which loss settled, comprising:
Sorted second medical insurance record and the insurance products form are input in insurance price computation model parallel and are obtained
Corresponding total amount for which loss settled；
It is described that insured number is calculated according to second medical insurance record, comprising:
Sorted second medical insurance of parallel computation records corresponding insured number；
It is described that insurance price is calculated according to total amount for which loss settled and the insured number, comprising:
Corresponding total amount for which loss settled is recorded according to sorted second medical insurance respectively and insured population number meter is calculated sorted medical insurance and remembered
Record corresponding insurance price.
4. according to claim 1 to method described in 3 any one, which is characterized in that described to get from medical insurance server
After one medical insurance record, further includes:
Whether there is content in accessed the first medical insurance record of detection is empty third medical insurance record；
When being empty third medical insurance record there are content, then the third medical insurance record is deleted；
Preset field is obtained, and is deleted in the first medical insurance record after deleting third medical insurance record unmatched with preset field
Field.
5. according to claim 1 to method described in 3 any one, which is characterized in that it is described by second medical insurance record and
The insurance products form is input in the insurance price computation model and obtains total amount for which loss settled, comprising:
Input data table corresponding with the insurance price computation model is obtained, and empties the input data table；
Second medical insurance record is input in the input data table；
The input data table for having input the second medical insurance record and the insurance products form are input to the insurance price to calculate
Total amount for which loss settled is obtained in model.
6. according to claim 1 to method described in 3 any one, which is characterized in that it is described by second medical insurance record and
The insurance products form is input in the insurance price computation model before obtaining total amount for which loss settled, comprising:
Receive historical years and the prediction time of input；
Obtain medical number growth rate and per capita monovalent growth rate；
Second medical insurance record is adjusted according to the medical number growth rate and the growth rate monovalent per capita.
7. a kind of insurance price computing device, which is characterized in that described device includes:
Medical insurance record obtains module, for getting the first medical insurance record from medical insurance server, and records from first medical insurance
Middle the second medical insurance record for choosing the condition that meets；
First receiving module, insurance products form for receiving input；
Model computation module, by second medical insurance record and the insurance products form to be input to based on the insurance price
It calculates in model and obtains total amount for which loss settled；
Insured number computing module, for insured number to be calculated according to second medical insurance record；
Insurance price computing module, for insurance price to be calculated according to total amount for which loss settled and the insured number.
8. device according to claim 7, which is characterized in that the medical insurance record obtains module and includes:
Ground and insurer's feature are launched in first receiving unit, insurance for receiving input；
Insurance record selection unit launches ground and the throwing with the insurance for getting from first medical insurance record
The corresponding medical insurance record of guarantor's feature is recorded as the second medical insurance.
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 6 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 6 is realized when being executed by processor.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810521629 | 2018-05-28 | ||
| CN2018105216299 | 2018-05-28 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109472709A true CN109472709A (en) | 2019-03-15 |
Family
ID=65673209
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811401119.4A Pending CN109472709A (en) | 2018-05-28 | 2018-11-22 | Insurance price calculation method, device, computer equipment and storage medium |
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| Country | Link |
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| CN (1) | CN109472709A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109978702A (en) * | 2019-04-18 | 2019-07-05 | 太平洋医疗健康管理有限公司 | Serious disease Commercial supplementary medical insurance loss ratio analysis method and system |
| CN112581295A (en) * | 2020-12-15 | 2021-03-30 | 平安养老保险股份有限公司 | Product data processing method, device, equipment and medium based on field splitting |
-
2018
- 2018-11-22 CN CN201811401119.4A patent/CN109472709A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109978702A (en) * | 2019-04-18 | 2019-07-05 | 太平洋医疗健康管理有限公司 | Serious disease Commercial supplementary medical insurance loss ratio analysis method and system |
| CN112581295A (en) * | 2020-12-15 | 2021-03-30 | 平安养老保险股份有限公司 | Product data processing method, device, equipment and medium based on field splitting |
| CN112581295B (en) * | 2020-12-15 | 2023-09-26 | 平安养老保险股份有限公司 | Product data processing method, device, equipment and medium based on field splitting |
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Effective date of registration: 20220530 Address after: 518048 China Aviation Center 2901, No. 1018, Huafu Road, Huahang community, Huaqiang North Street, Futian District, Shenzhen, Guangdong Province Applicant after: Shenzhen Ping An medical and Health Technology Service Co.,Ltd. Address before: Room 12G, Area H, 666 Beijing East Road, Huangpu District, Shanghai 200001 Applicant before: PING AN MEDICAL AND HEALTHCARE MANAGEMENT Co.,Ltd. |