CN109508833A - Premium calculation method, device, equipment and the storage medium of non-disease treatment project - Google Patents
Premium calculation method, device, equipment and the storage medium of non-disease treatment project Download PDFInfo
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- CN109508833A CN109508833A CN201811529120.5A CN201811529120A CN109508833A CN 109508833 A CN109508833 A CN 109508833A CN 201811529120 A CN201811529120 A CN 201811529120A CN 109508833 A CN109508833 A CN 109508833A
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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
- G06Q10/00—Administration; Management
- G06Q10/04—Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
Abstract
The invention discloses premium calculation method, device, equipment and the storage mediums of a kind of non-disease treatment project, this method comprises: obtaining the user information for having received the historical user of target non-disease treatment project；The population characteristic of the historical user is extracted according to the user information；The number of users of the target non-disease treatment project is predicted according to the population characteristic；The mean treatment expense obtained based on the number of users and in advance calculates total cost；The Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculates the premium per capita of the non-disease treatment project.The present invention obtains user's portrait by user information, is drawn a portrait based on the user and obtains the number of users of target non-disease treatment project, improves efficiency, specific aim and the accuracy of premium calculating.
Description
Technical field
The present invention relates to technical field of data processing more particularly to a kind of non-disease treatment project premium calculation method,
Device, equipment and storage medium.
Background technique
The insurance system for needing increasingly to perfect with the promotion of insurance awareness, people with the improvement of people ' s living standards.
However in the project of non-disease treatment, but not for the non-disease treatment project insurance of people's purchase, therefore need non-disease
It is then a kind of insurance system more perfect to people's offer that sick medical item, which is included in insurance,.
When establishing new insurance coverage, it is necessary to set up accurate reasonable premium.Generally, premium, which calculates, needs by expert
Mass data is collected, and carry out accurate analyze to these mass data can just obtain corresponding premium, and this calculating premium
Method low efficiency, specific aim is not strong, and accuracy is not high.
Summary of the invention
The present invention provides premium calculation method, device, equipment and the storage medium of a kind of non-disease treatment project, it is intended to mention
Efficiency, specific aim and the accuracy that high premium calculates.
To achieve the above object, the present invention provides a kind of premium calculation method of non-disease treatment project, the method packet
It includes:
Obtain the user information of the historical user of target non-disease treatment project；
The population characteristic of the historical user is extracted according to the user information；
The number of users of the target non-disease treatment project is predicted according to the population characteristic；
The mean treatment expense obtained based on the number of users and in advance calculates total cost；
The Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculates the premium per capita of the non-disease treatment project.
Preferably, described the non-disease is calculated according to the Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance to treat
After the step of premium per capita of project further include:
It is described to having according to the population characteristic after the corresponding insurance coverage starting of non-disease treatment project
The target user of population characteristic promotes the insurance coverage.
Preferably, the step of population characteristic that the historical user is extracted according to the user information includes:
The user information is analyzed, age distribution situation and physical condition distribution situation are counted；
The age distribution ratio in each age group section is calculated according to the age distribution situation, and/or according to the body
Situation distribution situation calculates the physical condition distribution proportion of each physical condition grade interval；
One or more age brackets using age distribution ratio greater than first threshold are as audience age feature, and/or incite somebody to action
Physical condition distribution proportion is greater than one or more physical conditions of second threshold as group's physical condition feature；
The audience age feature and/or group's physical condition feature is special as the group of the historical user
Sign.
Preferably, the mean treatment expense obtained based on the number of users and in advance, the step of calculating total cost
Include:
Corresponding actual therapeutic expense is obtained from the user information, by the summation of the actual therapeutic expense divided by institute
The quantity for stating user information then obtains mean treatment expense；
The number of users is then obtained into total cost multiplied by the mean treatment expense.
Preferably, described the step of promoting the insurance coverage to the target user with the population characteristic, includes:
Collect user's sample；
Screening has feature user's sample of the population characteristic from user's sample, by the feature user sample
Corresponding user is as target user；
Promotion message relevant to the insurance coverage is sent to the target user.
Preferably, the Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculates the non-disease treatment project
Premium per capita the step of after further include:
When receiving application for insurance, according to the relevant information of applicant, the feature premium power of applicant is obtained
By the feature premium weight multiplied by the premium per capita, then the corresponding premium of the applicant is obtained.
Preferably, the method also includes:
The expense reimbursement auditing standards of the target disease are set；
When the expense reimbursement for receiving the target disease is requested, taken based on the expense reimbursement auditing standards to described
It is audited with reimbursement request.
In addition, the embodiment of the present invention also provides a kind of premium computing device of non-disease treatment project, the non-disease is controlled
The premium computing device for the treatment of project includes:
Module is obtained, the user information of the historical user for obtaining target non-disease treatment project；
Extraction module, for extracting the population characteristic of the historical user according to the user information；
Prediction module, for predicting the number of users of the target non-disease treatment project according to the population characteristic；
First computing module, the mean treatment expense for obtaining based on the number of users and in advance, calculates total cost；
Second computing module, Headquarters of the General Staff guarantor's number for obtaining according to the total cost and in advance calculate the non-disease and control
The premium per capita for the treatment of project.
In addition, the premium that the embodiment of the present invention also provides a kind of non-disease treatment project calculates equipment, the non-disease is controlled
It includes processor that the premium for the treatment of project, which calculates equipment, the non-disease treatment project of memory and storage in the memory
When the premium calculation procedure of premium calculation procedure, the non-disease treatment project run by the processor, in realization described in
Non-disease treats the step of premium calculation method of project.
Furthermore the embodiment of the present invention also provides a kind of computer storage medium, is stored with journey in the computer storage medium
The premium calculation procedure of sequence, the non-disease treatment project realizes non-disease treatment project as described above when being run by processor
Premium calculation method the step of.
Compared with prior art, the present invention provides the premium calculation method of non-disease treatment project a kind of, device, equipment and deposits
Storage media obtains the user information for having received the user of target non-disease treatment project；According to user information extraction
The population characteristic of historical user；The number of users of the target non-disease treatment project is predicted according to the population characteristic；It is based on
The number of users and the mean treatment expense obtained in advance calculate total cost；It obtains according to the total cost and in advance total
Insured number calculates the premium per capita of the non-disease treatment project.User's portrait is obtained by user information as a result, is based on institute
It states user and draws a portrait and obtain the number of users of target non-disease treatment project, improve the efficiency of premium calculating, specific aim and accurate
Property.
Detailed description of the invention
Fig. 1 is that the premium for the non-disease treatment project that various embodiments of the present invention are related to calculates the hardware configuration signal of equipment
Figure；
Fig. 2 is the flow diagram of the premium calculation method first embodiment of non-disease treatment project of the present invention；
Fig. 3 is the flow diagram of the premium calculation method second embodiment of non-disease treatment project of the present invention；
Fig. 4 is the functional block diagram of the premium computing device first embodiment of non-disease treatment project of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The premium for the non-disease treatment project that the embodiment of the present invention relates generally to calculates equipment and refers to that can be realized network connects
The network access device connect, the premium of the non-disease treatment project calculate equipment and can be server, cloud platform etc..
Referring to Fig.1, Fig. 1 is that the premium for the non-disease treatment project that various embodiments of the present invention are related to calculates the hardware knot of equipment
Structure schematic diagram.In the embodiment of the present invention, it may include processor 1001 (in such as that the premium that non-disease treats project, which calculates equipment,
Central processor Central Processing Unit, CPU), communication bus 1002, input port 1003, output port 1004,
Memory 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components；Input port 1003 is for counting
According to input；Output port 1004 is exported for data, and memory 1005 can be high speed RAM memory, be also possible to stable
Memory (non-volatile memory), such as magnetic disk storage, memory 1005 optionally can also be independently of aforementioned
The storage device of processor 1001.It will be understood by those skilled in the art that hardware configuration shown in Fig. 1 is not constituted to this hair
The restriction of bright equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
With continued reference to Fig. 1, the memory 1005 in Fig. 1 as a kind of readable storage medium storing program for executing may include operating system, net
The premium calculation procedure of network communication module, application program module and non-disease treatment project.In Fig. 1, network communication module
It is mainly used for connecting server, carries out data communication with server；And processor 1001 can be called and be stored in memory 1005
Non-disease treatment project premium calculation procedure, and execute the premium meter of non-disease provided in an embodiment of the present invention treatment project
Calculation method.
The embodiment of the invention provides a kind of premium calculation methods of non-disease treatment project.
It is the process signal of the premium calculation method first embodiment of non-disease treatment project of the present invention referring to Fig. 2, Fig. 2
Figure.
In the present embodiment, the premium calculation method of the non-disease treatment project is applied to the premium of non-disease treatment project
Calculate equipment, which comprises
Step S101 obtains the user information of the historical user of target non-disease treatment project；
In the present embodiment, non-disease treatment project includes: various beauty, bodybuilding project, non-functional lift face, orthopedic
Perform the operation, lose weight, increase flesh, increase project, health examination, prevention and health care diagnosis and treatment item, medical advice, Medical Authentication etc..
In the present embodiment, user's letter of the historical user of the target non-disease treatment project is obtained from medical institutions
Breath.The historical user refers to the user for having received the target non-disease treatment project.Generally, the historical user exists
When medical institutions receive non-disease treatment project, need to reserve corresponding user information, the user information includes name, connection
Mode, age, physical condition etc..Therefore the user information that user reserves can be collected from the medical institutions.
Step S102 extracts the population characteristic of the historical user according to the user information；
In the present embodiment, the population characteristic of the historical user is extracted from the user information by statistical analysis method.
Specifically, the user information is analyzed, counts age distribution situation and physical condition distribution situation.From the user
Age of user is extracted in information, and the age of user is counted with age distribution figure, and extracts from the user information
User's body situation counts the user's body situation at physical condition distribution map.It is calculated according to the age distribution situation
The age distribution ratio in each age group section, and/or each physical condition grade area is calculated according to the physical condition distribution situation
Between physical condition distribution proportion.Age of user is divided into several age brackets according to age of user distribution map, such as by 10-
It is used as the first age bracket within 20 years old, was used as the second age bracket for 20-25 years old, will be greater than 25 years old as the City Age III etc..According to
User's body situation is divided into several grades by family physical condition distribution map.Age distribution ratio is greater than the one of first threshold
A or multiple age brackets are greater than one kind of second threshold or more as audience age feature, and/or by physical condition distribution proportion
Kind physical condition is as group's physical condition feature.It can set the first threshold to 50%, 60%, 80% etc., described
Two threshold values are set as 50%, 60%, 80% etc., described during carrying out premium calculating to target non-disease treatment project
First threshold can be identical or not identical with the second threshold.After the first threshold and the second threshold are set,
Age distribution ratio is then greater than one of first threshold as screening conditions based on the first threshold and the second threshold
Or audience age feature of multiple age brackets as the historical user, and/or physical condition distribution proportion is greater than the second threshold
Group physical condition feature of the one or more physical conditions of value as the historical user.
Further, the supplemental information of the historical user can also be obtained from other platforms according to the user information.
Such as the supplemental informations such as network of personal connections, the hobby of the user are obtained by social platform, obtained by shopping platform described in
The consumption habit of historical user；The economic level of the historical user is obtained by financial platform.Further according to the supplemental information
The recruitment stock feature of the historical user is obtained, the recruitment stock feature includes hobby, consumption habit, economic water
Flat, occupation etc..
In the present embodiment, by what is screened from the user information based on the first threshold and the second threshold
The audience age feature and/or the physical condition feature are as population characteristic.
Step S103 predicts the number of users of the target non-disease treatment project according to the population characteristic；
In the present embodiment, ordinary user's sample of random collecting preset quantity, ordinary user's sample includes user's letter
Breath obtains the feature number of users with the population characteristic, by the feature number of users from ordinary user's sample
The first percentage of total number of persons is accounted for multiplied by the user for very, then obtaining the specific population characteristic divided by the preset quantity
Than.First percentage is then obtained to the number of users of the target non-disease treatment project multiplied by total number of persons.Due to general
The collection of general family sample has randomness, therefore to obtain more accurate prediction result, then it can be by acquired number of users
More accurate number of users can be obtained by being adaptively adjusted.
Step S104, the mean treatment expense obtained based on the number of users and in advance calculate total cost；
In the present embodiment, corresponding actual therapeutic expense is obtained from the user information, by the actual therapeutic expense
Summation then obtain mean treatment expense divided by the quantity of the user information；By the number of users multiplied by the mean treatment
Expense then obtains total cost: total cost=number of users × mean treatment expense.It in other embodiments, can also be from the use
User's sample that preset quantity is extracted in the information of family, the mean treatment expense is calculated according to user's sample of preset quantity,
To reduce the heavy burdens.
Step S105, the Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculate the non-disease treatment project
Premium per capita.
In the present embodiment, if non-disease treatment project is included in medicare system, locality can be obtained from office, people society
Headquarters of the General Staff guarantor's number.The total cost is then obtained into premium per capita divided by the Headquarters of the General Staff guarantor number: premium=total cost ÷ per capita
Headquarters of the General Staff guarantor's number.
In other embodiments, the premium per capita can also be impacted according to the expenses of taxation, profit, operation cost etc.
Influence factor obtains final premium after premium is adaptively adjusted per capita to described.
Further, when receiving application for insurance, according to the relevant information of applicant, the feature premium of applicant is obtained
Weight；By the feature premium weight multiplied by the premium per capita, then the corresponding premium of the applicant is obtained.Specifically, by
Tremendous influence is brought in the success or failure that the self-condition of applicant can treat project to the non-disease.If such as the non-disease
Treatment project is weight loss programs, if but being difficult to success of losing weight caused by user is due to itself constitution.From described
Characteristic information is extracted in relevant information, the characteristic information includes age of user and user's body situation；According to the user year
Age obtains corresponding age premium weight and/or institute from the premium weight mapping table at preset age of user and age
State user's body situation obtained from the premium weight mapping table of preset user's body situation and physical condition it is corresponding
Physical condition premium weight then obtains the corresponding guarantor of the applicant by the feature premium weight multiplied by the premium per capita
Take.
Further, after the destination item being included in insurance system, collect premium to insured people, and the insurance is set
The expense reimbursement auditing standards of project.Specifically, the expense reimbursement auditing standards of the insurance coverage are set；The auditing standards
Including required data, expense reimbursement threshold value and reimbursement time limit etc..When the expense reimbursement for receiving the insurance coverage is requested,
Expense reimbursement request is audited based on the expense reimbursement auditing standards.As required to the expense reimbursement request into
Row audit, prevents the thing of insurance fraud from occurring, the insurance coverage is made really to help people in need.
The embodiment of the present invention through the above scheme, obtains the user information of the historical user of target non-disease treatment project；
The population characteristic of the historical user is extracted according to the user information；The target non-disease is predicted according to the population characteristic
The number of users for treating project；The mean treatment expense obtained based on the number of users and in advance calculates total cost；According to institute
The Headquarters of the General Staff guarantor's number stating total cost and obtaining in advance calculates the premium expense per capita that the non-disease treats project.Pass through use as a result,
Family acquisition of information user portrait is drawn a portrait based on the user and obtains the number of users of target non-disease treatment project, improves guarantor
Take efficiency, specific aim and the accuracy calculated.
As shown in figure 3, second embodiment of the invention proposes a kind of premium calculation method of non-disease treatment project, based on upper
State first embodiment shown in Fig. 2, the Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculates the non-disease
After the step for the treatment of the premium per capita of project further include:
Step S106, after the corresponding insurance coverage starting of non-disease treatment project, according to the population characteristic, to
Target user with the population characteristic promotes the insurance coverage.
In the present embodiment, after insurance coverage starting, need to promote the insurance coverage.Specifically, first
A large number of users sample is collected, from a large number of users sample collected, screens the feature user with the population characteristic
Sample using the corresponding crowd of the feature user sample as target user, and obtains the contact method of the target user, institute
Stating contact method includes the information such as mailbox, phone.It is sent and the reimbursement item according to the contact method to the target user
The relevant promotional information of mesh.Further, it is also possible to launch corresponding plane, voice or view in the place of target user's poly collection
Frequency advertisement.
The embodiment of the present invention through the above scheme, after the corresponding insurance coverage starting of non-disease treatment project, root
According to the population characteristic, the insurance coverage is promoted to the target user with the population characteristic.It draws a portrait from there through user,
Recommend the insurance coverage to target user, enhances the specific aim of project popularization.
In addition, the present embodiment also provides a kind of premium computing device of non-disease treatment project.It is this hair referring to Fig. 4, Fig. 4
The functional block diagram of the premium computing device first embodiment of bright non-disease treatment project.
The premium computing device of non-disease treatment project of the present invention is virtual bench, is stored in non-disease shown in FIG. 1 and controls
The premium for the treatment of project calculates in the memory 1005 of equipment, treats all of the premium calculation method of project for realizing non-disease
Function, the user information of the historical user for collecting target non-disease treatment project；For being extracted according to the user information
The population characteristic of the user；For predicting the number of users of the target non-disease treatment project according to the population characteristic；
Mean treatment expense for obtaining based on the number of users and in advance calculates total cost；For according to the total cost and
The Headquarters of the General Staff guarantor's number obtained in advance calculates the premium per capita of the non-disease treatment project.
Specifically, in the present embodiment, the premium computing device of the non-disease treatment project includes:
Module 10 is obtained, the user information of the historical user for obtaining target non-disease treatment project；
Extraction module 20, for extracting the population characteristic of the historical user according to the user information；
Prediction module 30, for predicting the number of users of the target non-disease treatment project according to the population characteristic；
First module 40, the mean treatment expense for obtaining based on the number of users and in advance, calculates total cost；
Second module 50, Headquarters of the General Staff guarantor's number for obtaining according to the total cost and in advance calculate the non-disease treatment
The premium per capita of project.
Further, the acquisition module is also used to:
It is described to having according to the population characteristic after the corresponding insurance coverage starting of non-disease treatment project
The target user of population characteristic promotes the insurance coverage.
Further, the extraction module is also used to:
The user information is analyzed, age distribution situation and physical condition distribution situation are counted；
The age distribution ratio in each age group section is calculated according to the age distribution situation, and/or according to the body
Situation distribution situation calculates the physical condition distribution proportion of each physical condition grade interval；
One or more age brackets using age distribution ratio greater than first threshold are as audience age feature, and/or incite somebody to action
Physical condition distribution proportion is greater than one or more physical conditions of second threshold as group's physical condition feature；
The audience age feature and/or group's physical condition feature is special as the group of the historical user
Sign.
Further, the acquisition module is also used to:
Corresponding actual therapeutic expense is obtained from the user information, by the summation of the actual therapeutic expense divided by institute
The quantity for stating user information then obtains mean treatment expense；
The number of users is then obtained into total cost multiplied by the mean treatment expense.
Further, the acquisition module is also used to:
Collect user's sample；
Screening has feature user's sample of the population characteristic from user's sample, by the feature user sample
Corresponding user is as target user；
Promotion message relevant to the insurance coverage is sent to the target user.
Further, the computing module is also used to:
When receiving application for insurance, according to the relevant information of applicant, the feature premium weight of applicant is obtained；
By the feature premium weight multiplied by the premium per capita, then the corresponding premium of the applicant is obtained.
Further, the prediction module is also used to:
The expense reimbursement auditing standards of the target disease are set；
When the expense reimbursement for receiving the target disease is requested, taken based on the expense reimbursement auditing standards to described
It is audited with reimbursement request.
In addition, program is stored in the computer storage medium the present invention also provides computer storage medium, it is described non-
Realize that the premium of the upper non-disease treatment project calculates when the premium calculation procedure of disease treatment project is run by processor
The step of method, details are not described herein.
Compared with prior art, a kind of premium calculation method of non-disease treatment project proposed by the present invention, device, equipment and
Storage medium obtains the user information for having received the user of target non-disease treatment project；Institute is extracted according to the user information
State the population characteristic of historical user；The number of users of the target non-disease treatment project is predicted according to the population characteristic；Base
The mean treatment expense obtained in the number of users and in advance calculates total cost；It obtains according to the total cost and in advance
Headquarters of the General Staff guarantor's number calculates the premium per capita of the non-disease treatment project.User's portrait is obtained by user information as a result, is based on
The user, which draws a portrait, obtains the number of users of target non-disease treatment project, improves efficiency, specific aim and the standard of premium calculating
True property.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device executes the present invention respectively
Method described in a embodiment.
The above description is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all utilizations
Equivalent structure made by description of the invention and accompanying drawing content or process transformation, are applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of premium calculation method of non-disease treatment project, which is characterized in that the method is applied to premium and calculates equipment,
The described method includes:
Obtain the user information of the historical user of target non-disease treatment project；
The population characteristic of the historical user is extracted according to the user information；
The number of users of the target non-disease treatment project is predicted according to the population characteristic；
The mean treatment expense obtained based on the number of users and in advance calculates total cost；
The Headquarters of the General Staff guarantor's number obtained according to the total cost and in advance calculates the premium per capita of the non-disease treatment project.
2. the method according to claim 1, wherein it is described obtain according to the total cost and in advance it is total insured
Number calculated after the step of premium per capita of the non-disease treatment project further include:
After the corresponding insurance coverage starting of non-disease treatment project, according to the population characteristic, to the group
The target user of feature promotes the insurance coverage.
3. the method according to claim 1, wherein described extract the historical user according to the user information
Population characteristic the step of include:
The user information is analyzed, age distribution situation and physical condition distribution situation are counted；
The age distribution ratio in each age group section is calculated according to the age distribution situation, and/or according to the physical condition
Distribution situation calculates the physical condition distribution proportion of each physical condition grade interval；
Age distribution ratio is greater than one or more age brackets of first threshold as audience age feature, and/or by body
Situation distribution proportion is greater than one or more physical conditions of second threshold as group's physical condition feature；
Using the audience age feature and/or group's physical condition feature as the population characteristic of the historical user.
4. the method according to claim 1, wherein it is described obtain based on the number of users and in advance be averaged
Medical expense, calculate total cost the step of include:
Corresponding actual therapeutic expense is obtained from the user information, by the summation of the actual therapeutic expense divided by the use
The quantity of family information then obtains mean treatment expense；
The number of users is then obtained into total cost multiplied by the mean treatment expense.
5. according to the method described in claim 2, it is characterized in that, described promote to the target user with the population characteristic
The step of insurance coverage includes:
Collect user's sample；
Screening has feature user's sample of the population characteristic from user's sample, and the feature user sample is corresponding
User as target user；
Promotion message relevant to the insurance coverage is sent to the target user.
6. method according to any one of claims 1-5, which is characterized in that described to obtain according to the total cost and in advance
The Headquarters of the General Staff guarantor's number taken calculated after the step of premium per capita of the non-disease treatment project further include:
When receiving application for insurance, according to the relevant information of applicant, the feature premium weight of applicant is obtained；
By the feature premium weight multiplied by the premium per capita, then the corresponding premium of the applicant is obtained.
7. according to the method described in claim 6, it is characterized in that, the method also includes:
The expense reimbursement auditing standards of the target disease are set；
When the expense reimbursement for receiving the target disease is requested, based on the expense reimbursement auditing standards to the expense report
Pin request is audited.
8. a kind of premium computing device of non-disease treatment project, which is characterized in that the premium meter of the non-disease treatment project
Calculating device includes:
Module is obtained, the user information of the historical user for obtaining target non-disease treatment project；
Extraction module, for extracting the population characteristic of the historical user according to the user information；
Prediction module, for predicting the number of users of the target non-disease treatment project according to the population characteristic；
First computing module, the mean treatment expense for obtaining based on the number of users and in advance, calculates total cost；
Second computing module, Headquarters of the General Staff guarantor's number for obtaining according to the total cost and in advance calculate the non-disease treatment item
Purpose premium per capita.
9. a kind of premium of non-disease treatment project calculates equipment, which is characterized in that the premium meter of the non-disease treatment project
Calculating equipment includes processor, and the non-disease of memory and storage in the memory treats the premium calculation procedure of project,
When the premium calculation procedure of the non-disease treatment project is run by the processor, realize such as any one of claim 1-7
The step of premium calculation method of the non-disease treatment project.
10. a kind of computer storage medium, which is characterized in that be stored with program, the non-disease in the computer storage medium
It is realized when the premium calculation procedure of sick treatment project is run by processor as non-disease of any of claims 1-7 is controlled
The step of premium calculation method for the treatment of project.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811529120.5A CN109508833A (en) | 2018-12-13 | 2018-12-13 | Premium calculation method, device, equipment and the storage medium of non-disease treatment project |
| PCT/CN2019/095615 WO2020119111A1 (en) | 2018-12-13 | 2019-07-11 | Insurance premium calculation method for non-disease treatment program, device, apparatus, and storage medium |
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| CN201811529120.5A CN109508833A (en) | 2018-12-13 | 2018-12-13 | Premium calculation method, device, equipment and the storage medium of non-disease treatment project |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110245778A (en) * | 2019-05-07 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Amortization of data detection method and device |
| CN110264370A (en) * | 2019-04-17 | 2019-09-20 | 阿里巴巴集团控股有限公司 | Mutual assistance Project Cost settlement system, method and device |
| WO2020119111A1 (en) * | 2018-12-13 | 2020-06-18 | 平安医疗健康管理股份有限公司 | Insurance premium calculation method for non-disease treatment program, device, apparatus, and storage medium |
| CN117172855A (en) * | 2023-09-20 | 2023-12-05 | 南通捷米科技有限公司 | Elevator advertisement playing method and system based on face recognition |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20140114674A1 (en) * | 2012-10-22 | 2014-04-24 | Robert M. Krughoff | Health Insurance Plan Comparison Tool |
| CN106997560A (en) * | 2016-01-22 | 2017-08-01 | 平安科技（深圳）有限公司 | The method and apparatus that processing credit card is insured |
| CN108009245B (en) * | 2017-11-30 | 2021-02-26 | 平安养老保险股份有限公司 | Product value acquisition method and device, computer equipment and storage medium |
| CN109508833A (en) * | 2018-12-13 | 2019-03-22 | 平安医疗健康管理股份有限公司 | Premium calculation method, device, equipment and the storage medium of non-disease treatment project |
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2018
- 2018-12-13 CN CN201811529120.5A patent/CN109508833A/en active Pending
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| WO2020119111A1 (en) * | 2018-12-13 | 2020-06-18 | 平安医疗健康管理股份有限公司 | Insurance premium calculation method for non-disease treatment program, device, apparatus, and storage medium |
| CN110264370A (en) * | 2019-04-17 | 2019-09-20 | 阿里巴巴集团控股有限公司 | Mutual assistance Project Cost settlement system, method and device |
| CN110264370B (en) * | 2019-04-17 | 2023-09-22 | 创新先进技术有限公司 | Mutual-help project expense settlement system, method and device |
| CN110245778A (en) * | 2019-05-07 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Amortization of data detection method and device |
| CN110245778B (en) * | 2019-05-07 | 2023-10-31 | 创新先进技术有限公司 | Method and device for detecting shared data |
| CN117172855A (en) * | 2023-09-20 | 2023-12-05 | 南通捷米科技有限公司 | Elevator advertisement playing method and system based on face recognition |
| CN117172855B (en) * | 2023-09-20 | 2024-05-14 | 南通捷米科技有限公司 | Elevator advertisement playing method and system based on face recognition |
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| WO2020119111A1 (en) | 2020-06-18 |
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