CN110136011A - Insure intelligent price quoting method, device, medium and electronic equipment - Google Patents
Insure intelligent price quoting method, device, medium and electronic equipment Download PDFInfo
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Abstract
The embodiment of the present disclosure is related to information technology field, a kind of intelligent price quoting method of insurance, device, medium and electronic equipment are provided, the insurance intelligence price quoting method include: according to the history of acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table；Pricing model is constructed according to the middle table；The attribute information of customer insured and insurance kind scheme are input in the pricing model and obtain pre- quotation；The pre- quotation is corrected accordingly according to the scheme of insuring, obtains final quotation.The embodiment of the present disclosure other than the pricing model of installation building calculates pre- quotation, also corrects pre- quotation accordingly, obtains more accurate final quotation for group insurance.Pricing model is constructed according to the middle table that different classes of insurance kind responsibility establishes the compositions such as risks and assumptions table, the standard rate table of various dimensions, situation can be compensated to group's future more accurately to be predicted, the precision for improving model, further increases the precision of pre- quotation.
Description
Technical field
This disclosure relates to information technology field, in particular to a kind of intelligent price quoting method of insurance, device, medium and
Electronic equipment.
Background technique
The characteristics of insurance industry group insurance business are as follows: product is carrier, and specific business need to be by single price.Currently, leading in the market
Way: in terms of non-health danger business, the mode packing of set meal is mostly used to handle；And in terms of health insurance business, just like support
The auspicious simple Offer Model for realizing standalone version again, also just like the simple Offer Model for relying on actuarial realization standalone version, data are every
Year updates primary.
But due to model be it is fixed, be unable to get effective training and iteration.Therefore, it not yet establishes at present objective, scientific
Risk assessment standard, timely iteration intelligent pricing model and platform.
Therefore, there is also the places that has much room for improvement in technical solution in the prior art.
It should be noted that the information disclosed in above-mentioned background technique is only used for reinforcing the reason to the background of the disclosure
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present disclosure is designed to provide a kind of intelligent price quoting method of insurance, device, medium and electronic equipment, into
And the disadvantage of existing access mechanism safety difference is overcome at least to a certain extent.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description or data subsegment pass through this
It is disclosed practice and acquistion.
According to the first aspect of the embodiments of the present disclosure, a kind of intelligent price quoting method of insurance is provided, comprising:
According to the history of acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table；
Pricing model is constructed according to the middle table；
The attribute information of customer insured and insurance kind scheme are input in the pricing model and obtain pre- quotation；
The pre- quotation is corrected accordingly according to the scheme of insuring, obtains final quotation.
In including standard rate table in the middle table in a kind of exemplary embodiment of the disclosure；
The history according to acquisition is accepted insurance data and history Claims Resolution data, is calculated according to responsibility price, is obtained
Between table include:
It is determined according to the history data most insurance kind of data accounting that will accept insurance of accepting insurance as benchmark insurance kind；
Be in danger probability and intensity of being in danger based on benchmark insurance kind described in history Claims Resolution data acquisition；
Corresponding base condition is determined for the benchmark insurance kind, obtains experience of the benchmark insurance kind under base condition
Rate is as standard rate table.
It further include Risk Adjusted factor table in the middle table in a kind of exemplary embodiment of the disclosure；
The history according to acquisition is accepted insurance data and history Claims Resolution data, is calculated according to responsibility price, is obtained
Between table include:
At least one risk factors faced for each insurance kind are extracted according to history Claims Resolution data；
It is fitted for the factor of at least one risk factors of each insurance kind, forms the Risk Adjusted factor
Table.
It further include group's age distribution and group's scale in the middle table in a kind of exemplary embodiment of the disclosure
Factor table；
The history according to acquisition is accepted insurance data and history Claims Resolution data, is calculated according to responsibility price, is obtained
Between table include:
It is accepted insurance the essential information of data acquisition group insured population according to the history, wherein in the essential information at least
Including insurer's the range of age and group's number；
It is analyzed according to the age of group's insured population, obtains group's age distribution；
It is analyzed according to group's number of group's insured population, obtains group's scale factor table.
In a kind of exemplary embodiment of the disclosure, after middle table building pricing model, further includes:
According in newest Claims Resolution data, insurance business mode and medical insurance policies at least one of or multinomial combination to described
Pricing model carries out real-time update.
In a kind of exemplary embodiment of the disclosure, the attribute information of the customer insured includes group information and crowd
Feature；
It is described the attribute information of customer insured and insurance kind scheme are input in the pricing model obtain it is pre- quotation include:
The group information, the crowd characteristic and the insurance kind scheme are input in the pricing model, output knot
Fruit is the pre- quotation.
In a kind of exemplary embodiment of the disclosure, the scheme of insuring includes new guarantor's business and continuation of insurance business；
It is described that the pre- quotation is repaired accordingly according to the scheme of insuring when the scheme of insuring is new guarantor's business
Just, final quotation is obtained are as follows:
After being modified based on the pre- quotation in conjunction with corresponding modifying factor, final quotation is obtained, wherein the amendment
The factor is to preset；
It is described that the pre- quotation is repaired accordingly according to the scheme of insuring when the scheme of insuring is continuation of insurance business
Just, final quotation is obtained are as follows:
Belief factor is set based on history Claims Resolution data and the continuation of insurance time limit；
It compensates and is calculated in conjunction with the belief factor according to the pre- quotation, the past, obtain final quotation.
According to the second aspect of an embodiment of the present disclosure, a kind of insurance intelligence quotation device is provided, comprising:
Calculate module, for the history according to acquisition accept insurance data and history Claims Resolution data, according to responsibility price surveyed
It calculates, obtains middle table；
Modeling module, for constructing pricing model according to the middle table；
Pre- quote module is obtained for the attribute information of customer insured and insurance kind scheme to be input in the pricing model
Pre- quotation；
Correction module obtains final quotation for being corrected accordingly to the pre- quotation according to the scheme of insuring.
According to the third aspect of an embodiment of the present disclosure, a kind of computer-readable medium is provided, computer journey is stored thereon with
Sequence, the step of above-described insurance intelligent price quoting method is realized when described program is executed by processor.
According to a fourth aspect of embodiments of the present disclosure, a kind of electronic equipment is provided, comprising:
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are one or more of
When processor executes, so that one or more of processors realize the intelligent price quoting method of above-described insurance.
The technical solution that the embodiment of the present disclosure provides can include the following benefits:
In the technical solution provided by some embodiments of the present disclosure, on the one hand, repaired to the test sample of mistake
Continued in regression test after multiple, interface document can be modified at any time, tested at any time, save multidisciplinary cooperation at
Testing efficiency is accelerated in this consumption.On the other hand, by being intercepted to response, so as to by all test requests, response and
Verifying is saved in database, and data can be reviewed, the difference between different editions, reduces repetitive operation, reduces building simulation
The workload of data.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and constitutes a data subsegment of this specification, shows and meets the disclosure
Embodiment, and together with specification for explaining the principles of this disclosure.It should be evident that the accompanying drawings in the following description is only this
Disclosed some embodiments for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.In the accompanying drawings:
Fig. 1 is a kind of system scenarios frame for insuring intelligent price quoting method and device shown according to an exemplary embodiment
Figure.
Fig. 2 is a kind of flow diagram of the insurance intelligence price quoting method provided according to one embodiment of the disclosure.
Fig. 3 is to obtain the principle of pricing model and the schematic diagram of process according to one embodiment of the disclosure.
Fig. 4 is the quotation principle flow chart according to one embodiment of the disclosure when the scheme of insuring is new guarantor's business.
Fig. 5 is the quotation principle flow chart according to one embodiment of the disclosure when the scheme of insuring is continuation of insurance business.
Fig. 6 is to obtain the process flow diagram after pre- quotation result based on pricing model according to one embodiment of the disclosure.
Fig. 7 is the architecture diagram that the system shown in Fig. 2 for insuring intelligent price quoting method is realized according to one embodiment of the disclosure.
Fig. 8 is the schematic diagram for implementing a kind of insurance exemplified intelligence quotation device according to the disclosure one.
Fig. 9 is the structural schematic diagram for implementing the computer system of a kind of electronic equipment exemplified according to the disclosure one.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.It is identical attached in figure
Icon note indicates same or similar part, thus will omit repetition thereof.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or data subsegment merge, therefore the sequence actually executed is possible to change according to the actual situation.
It should be understood that although herein various assemblies may be described using term first, second, third, etc., these groups
Part should not be limited by these terms.These terms are to distinguish a component and another component.Therefore, first group be discussed herein below
Part can be described as the second component without departing from the teaching of disclosure concept.As used herein, term "and/or" includes associated
All combinations for listing any of project and one or more.
It will be understood by those skilled in the art that attached drawing is the schematic diagram of example embodiment, module or process in attached drawing
Necessary to not necessarily implementing the disclosure, therefore it cannot be used for the protection scope of the limitation disclosure.
Fig. 1 is a kind of system scenarios frame for insuring intelligent price quoting method and device shown according to an exemplary embodiment
Figure.
As shown in Figure 1, system architecture 100 may include terminal device 101,102,103, network 104 and server 105.
Network 104 between terminal device 101,102,103 and server 105 to provide the medium of communication link.Network 104 can be with
Including various connection types, such as wired, wireless communication link or fiber optic cables etc..
User can be used terminal device 101,102,103 and be interacted by network 104 with server 105, to receive or send out
Send message etc..Various telecommunication customer end applications, such as the application of shopping class, net can be installed on terminal device 101,102,103
The application of page browsing device, searching class application, instant messaging tools, mailbox client, social platform software etc..
Terminal device 101,102,103 can be the various electronic equipments with display screen and supported web page browsing, packet
Include but be not limited to smart phone, tablet computer, pocket computer on knee and desktop computer etc..
Server 105 can be to provide the server of various services, such as utilize terminal device 101,102,103 to user
The service request proposed provides the background server supported.Server 105 can be to the service request and dependency number received
According to carrying out the processing such as analyzing, and processing result is fed back into terminal device.
User can by terminal device 101,102,103 generate service request, terminal device 101,102,103 can for example by
History accepts insurance data and history Claims Resolution data etc. generate data and are sent in server 105, and server 105 can be for example according to acquisition
History accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table；Server 105 can be such as
Pricing model is constructed according to the middle table；Server 105 can for example input the attribute information of customer insured and insurance kind scheme
Pre- quotation is obtained into the pricing model；And server 105 for example can carry out phase according to scheme of insuring to the pre- quotation
The amendment answered, obtains final quotation.
Service request processing result also for example can be returned to terminal device 101,102,103, terminal device by server 105
101,102,103 can also such as service request processing result be further processed.
It should be noted that intelligent price quoting method is insured provided by the embodiment of the present disclosure can be executed by server 105,
Correspondingly, insurance intelligence quotation device can be set in server 105.
For this purpose, the disclosure provides a kind of intelligent price quoting method of insurance, device, medium and electronic equipment, based on according to responsibility
The middle table of price measuring and calculating constructs pricing model, and is further modified to being input to the pre- quotation that pricing model obtains, and obtains
To final quotation.Specific introduction is done to the technical solution of the disclosure below.
Fig. 2 is a kind of flow diagram of the insurance intelligence price quoting method provided according to one embodiment of the disclosure, with reference to figure
2, which includes:
Step S210 settles a claim data according to accept insurance data and history of the history of acquisition, is calculated according to responsibility price, obtained
To middle table.
Step S220 constructs pricing model according to the middle table.
The attribute information of customer insured and insurance kind scheme are input in the pricing model and are forecast by step S230
Valence.
Step S240 corrects the pre- quotation accordingly according to the scheme of insuring, obtains final quotation.
In technical solution provided by embodiment shown in Fig. 2, on the one hand, for group insurance in addition to the price mould of installation building
Type calculates except pre- quotation, is also corrected to pre- quotation accordingly, obtains more accurate final quotation.On the other hand,
The middle table building price of the compositions such as risks and assumptions table, the standard rate table of various dimensions is established according to different classes of insurance kind responsibility
Model can compensate situation to group's future and more accurately be predicted, improve the precision of model, further increase forecast
The precision of valence.
The specific implementation of each step of embodiment illustrated in fig. 2 is described in detail below:
In step S210, is settled a claim data according to accept insurance data and history of the history of acquisition, surveyed according to responsibility price
It calculates, obtains middle table.
In a kind of exemplary embodiment of the disclosure, the history in the step accept insurance data and history Claims Resolution data it is main
Be for group insurance history accept insurance data and history Claims Resolution data.It needs to define index before the step and calculates bore, utilize number
Data are cleaned and arranged according to handling implement, combing company person's good fortune business managed number in recent years (such as 5 years, 10 years)
According to, including client's underwriting information, insurance kind guarantee plan information, information of being in danger, Claims Resolution information, medical bills managing detailed catalogue, group
Essential information (such as group's number, age, occupation) information of insured population.Wherein belong to history in these information to accept insurance data
Include: client's underwriting information, insurance kind guarantee plan information, essential information of group's insured population etc., belong to history Claims Resolution number
According to include: be in danger information, Claims Resolution information, medical bills managing detailed catalogue etc..
Wherein the essential information of group's insured population includes: area, industry, occupational group, age, male to female ratio etc., danger
It include: to ensure duration, protection amount, abatement ratio and compensation ratio etc. in kind guarantee plan information；Being in danger in information includes: claim
The amount of money, fair amount etc..
In a kind of exemplary embodiment of the disclosure, due to carrying out big data analysis to historical data, training mould is extracted
Feature of risk needed for type, reasonably classifies feature of risk, is related to the danger such as accident insurance, life insurance, serious illness insurance, medical insurance
Class, wherein medical insurance class includes subsidy class, supplements medical class, unexpected medical class insurance kind.
In a kind of exemplary embodiment of the disclosure, is calculated in the step according to responsibility price, obtains middle table,
It wherein include one in standard rate table, Risk Adjusted factor table, group's age distribution and group's scale factor table in middle table
Kind is a variety of, is as much as possible finely divided insurance kind responsibility during measuring and calculating.The synthesis it should be noted that responsibility of this paper is fixed a price
Consider client properties and insurance kind scheme, the data under certain single liability are analyzed.For example, by taking accident insurance as an example, responsibility
It include: responsibility one, the information of group's insured population is mainly related with the occupational group of insured population and age, belongs to danger
Occupation or age are more than that the responsibility price of preset value is higher；Responsibility two, insurance kind arrangements duration ensure that the time is longer, responsibility
It fixes a price higher；Responsibility three, client are in danger information, and the number that is in danger is more, single amount of damage claim, or the claim total value amount of money is higher,
Responsibility price is also higher.
Wherein, the acquisition process of standard rate table includes: most according to the history data data accounting that will accept insurance of accepting insurance
Insurance kind determine be benchmark insurance kind；Being in danger based on benchmark insurance kind described in history Claims Resolution data acquisition and is in danger strong at probability
Degree；And corresponding base condition is determined for the benchmark insurance kind, obtain experience of the benchmark insurance kind under base condition
Rate is as standard rate table.
For example, it is 0 abatement that such as supplement medical insurance, which compensates rule, the 100% data accounting 50% of accepting insurance compensated then is selected
0 abatement, 100% compensates as base condition, calculates experience rating under this condition as standard rate table.
Wherein, the acquisition process of Risk Adjusted factor table includes: to be extracted according to history Claims Resolution data for each
At least one risk factors that insurance kind is faced；Intended for the factor of at least one risk factors of each insurance kind
It closes, forms the Risk Adjusted factor table.
Wherein, the Risk Adjusted factor is determining according to the historical data of insurance various types of in insurance industry, such as upper one
The history of year or each insurance kind over the years Claims Resolution data, for example, by using single analysis method, multinomial analytic approach, condition hypothesis, intend
The methods of distribution, interpolation algorithm are closed, the factor under different risk factors is fitted, the above-mentioned Risk Adjusted factor is formed
Table.Since the corresponding risk category of different insurance kinds is different, the corresponding Risk Adjusted factor is not also identical.It is with accident insurance
Example, risk mainly includes age, occupation etc.；By taking life insurance as an example, risk mainly includes the age, whether there is or not chronic diseases etc..
In a kind of exemplary embodiment of the disclosure, the various rate adjusting factors are obtained into other wind multiplied by standard rate
The rate of dangerous classification can predict that current year compensates situation so by group's insured population information and other feature input models.
Wherein, the acquisition process of group's age distribution includes: to be accepted insurance data acquisition group insured population according to the history
Essential information, wherein in the essential information include at least insurer's the range of age and group's number；It is thrown according to the group
The age of guarantor group is analyzed, and group's age distribution is obtained.
Wherein, the acquisition process of group's scale factor table includes: to be accepted insurance data acquisition group insurer according to the history
The essential information of group, wherein including at least insurer's the range of age and group's number in the essential information；According to the group
Group's number of insured population is analyzed, and group's scale factor table is obtained.
In a kind of exemplary embodiment of the disclosure, in actual group inquiry business scenario, group information is only given
Whole general situation out, such as age information can only obtain the average age of insured population, but without specific crowd year
Age distributed intelligence.For example, can use crowd's age distribution of accepting insurance that big group client group gives is fitted variant average year
The age distribution situation of crowd under age is just able to satisfy the price demand of insuring of corporate customer under different average ages.In insurer
The age distribution situation in group under different average ages is obtained on the basis of average age.
In addition to standard rate table, Risk Adjusted factor table, group's age distribution and group's scale factor in above-mentioned middle table
Except above-mentioned several indexs such as table, can also including the use of the data of being in danger of nearly 3 years ambulatory cares and inpatient medical responsibility,
Calculate the horizontal growth factor of Medical Consumption, the data of disclosure are disclosed in conjunction with social security mechanism, company's core protects expert's Comprehensive Assessment consumption
Horizontal growth factor coefficient, so as to follow socioeconomic changes adjustment price.
In a kind of exemplary embodiment of the disclosure, by each index in above-mentioned middle table, such as standard rate table, risk
Dynamic gene table, group's age distribution, group's scale factor table, level of consumption growth factor etc., are stored in big data platform, with
Just corresponding risk indicator data can be obtained in time according to the demand of insurance kind scheme.
In step S220, pricing model is constructed according to the middle table.
In a kind of exemplary embodiment of the disclosure, regression model is established in conjunction with the middle table of measuring and calculating, utilizes most New Year
The data verification modelling effect of degree, due to including standard rate table, Risk Adjusted factor table, group's scale factor in middle table
Table, age distribution, level of consumption growth factor etc. under group's difference average age, selects from middle table for different insurance kinds
The corresponding several factors carry out data training, to obtain pricing model.
It in a kind of exemplary embodiment of the disclosure, is obtained according to history Claims Resolution data building pricing model first
It also needs to verify pricing model except above-mentioned pricing model, i.e., from history Claims Resolution data no according to insurance kind, year etc.
Multi-group data is selected with dimension, according to the corresponding output estimation price of data of input pricing model, then between actual price
Difference within the allowable range, then illustrate that pricing model is more accurate, can using in subsequent step, but if future prices
Difference between lattice and real price then illustrates that the accuracy of pricing model also needs further to be promoted beyond the range allowed.
In a kind of exemplary embodiment of the disclosure, after constructing pricing model according to the middle table in the step,
Further include: according in newest Claims Resolution data, insurance business mode and medical insurance policies at least one of or multinomial combination to described
Pricing model carries out real-time update.Pricing model can iteration update, i.e., by being docked with operation system, with annual Claims Resolution situation
The continuous iteration of update be in danger the experience ratings such as rate and pricing model, it is more accurate to realize by self continuous upgrading
Price.
Wherein, insurance business mode includes that individual event is insured, multinomial synthesis is insured, the payment for medical care such as individually generated to outpatient service
It insures with insuring, or individually to the medical expense generated of being hospitalized, also or to outpatient service and the medical expense generated of being hospitalized
It insures etc. simultaneously.In addition, medical insurance policies can be also adjusted with relevant regulations, such as the volume of outpatient service reimbursement, reimbursement of being hospitalized
Degree or mode, the factors such as the adjustment of social medtcal insurance range, the adjustment for submitting an expense account ratio will affect Claims Resolution, it is therefore desirable in time to medical insurance political affairs
Plan is updated, to be updated to pricing model.
Fig. 3 is to obtain the principle of pricing model and the schematic diagram of process according to one embodiment of the disclosure, as shown in figure 3, originally
Pricing model in embodiment is a kind of regression model, firstly, according to accident insurance, term life, serious illness insurance, medical insurance, medical treatment
The insurance kinds scheme such as subsidy class, for insurance kind delimit responsibility one, responsibility two ..., then calculate base condition under be in danger probability and
It is in danger intensity, obtains standard rate table, later again using single-phase analytic approach, multinomial analytic approach, condition hypothesis method, fitting distribution
The methods of method, interpolation algorithm etc. are fitted to obtain Risk Adjusted factor table, carry out regression test, obtain pricing model.
Taking what is shown in fig. 3 as an example, wherein with insurance kinds sides such as accident insurance, term life, serious illness insurance, medical insurance, medical benefits classes
Insurance kind one is chosen one as in case.For example, using accident insurance as insurance kind one, including responsibility one, responsibility two and responsibility three, it is corresponding
Responsibility one is occupational group and age in the information of group's insured population；Responsibility two is the guarantor in insurance kind arrangements duration
Downtime is longer；Responsibility three is that client is in danger the number that is in danger, amount of damage claim in information etc..
In step S230, the attribute information of customer insured and insurance kind scheme are input in the pricing model obtain it is pre-
Quotation.
In a kind of exemplary embodiment of the disclosure, the attribute information of the customer insured includes group information and crowd
Feature is based on above-mentioned pricing model, and the group information, these attribute informations of the crowd characteristic and the insurance kind scheme is defeated
Enter into the pricing model, output result is the pre- quotation.
Wherein the group information of customer insured includes group's number of this customer insured, average age etc. in group, people
Group character includes male to female ratio, age distribution etc..
In step S240, the pre- quotation is corrected accordingly according to the scheme of insuring, obtains final quotation.
In a kind of exemplary embodiment of the disclosure, quotation is simple to be obtained according to model in advance obtained in previous step
The data arrived, the accuracy in the embodiment of the present disclosure to guarantee to provide quotation, it is also necessary to which pre- quotation is sent to customer manager, core
It protects teacher, client and handles etc. and carry out manual examination and verification, need that situations such as previously compensating is combined to be modified pre- quotation.
It needs to do different modes according to the scheme of insuring in a kind of exemplary embodiment of the disclosure, when amendment and writes amendment,
For example, the scheme of insuring includes new guarantor's business and continuation of insurance business.
Fig. 4 is the quotation principle flow chart according to one embodiment of the disclosure when the scheme of insuring is new guarantor's business, such as Fig. 4 institute
Show, it is described that the pre- quotation is corrected accordingly according to the scheme of insuring when the scheme of insuring is new guarantor's business, it obtains
Final quotation are as follows: after being modified based on the pre- quotation in conjunction with corresponding modifying factor, final quotation is obtained, wherein described repair
Positive divisor is to preset, and mainly carries out assignment according to condition of insuring.
Fig. 5 is the quotation principle flow chart according to one embodiment of the disclosure when the scheme of insuring is continuation of insurance business, such as Fig. 5 institute
Show, it is described that the pre- quotation is corrected accordingly according to the scheme of insuring when the scheme of insuring is continuation of insurance business, it obtains
Final quotation are as follows: set belief factor based on history Claims Resolution data and the continuation of insurance time limit；It is compensated according to the pre- quotation, described the past
It is calculated in conjunction with the belief factor, obtains final quotation.Belief factor therein and group previously compensate situation and continuation of insurance
The time limit is related.Therefore the past compensates * belief factor to final quotation=offering * (1- belief factor) in advance+.
Fig. 6 is to obtain the process flow diagram after pre- quotation result based on pricing model according to one embodiment of the disclosure, such as
Shown in Fig. 6, comprising the following steps:
Step S601, customer manager will insure material upload.
Step S602, data input of inquiring the price, and it is committed to branch company.
Step S603, branch company's core are protected.Whether the information of typing is completely judged, if information is imperfect, is turned
To step S604；If information completely if call pre- quotation to carry out core guarantor, step S605 is gone to if super permission.
Step S604, supplemental information, and it is back to step S601.
Step S605, parent company's core are protected.
Step S606 replys quotation result to branch company.
The quotation result that parent company returns is returned to customer manager by step S607, branch company, generates price list.
Based on above-mentioned, Fig. 7 is that the system shown in Fig. 2 for insuring intelligent price quoting method is realized according to one embodiment of the disclosure
Architecture diagram, as shown in fig. 7, comprises core system 710, background data base 720 and intelligent pricing system 730.Wherein core system
710 can be with nest egg core system, including history is accepted insurance the creation datas such as data and history Claims Resolution data.Background data base 720
Middle data source 721 and big data platform 722, data source 721 are stored in business library, contain server in big data platform 722
With the intelligent pricing model based on buildings such as Dynamic gene, group's the past compensation and standard rate tables.According to intelligent pricing model
Pre- quotation be sent to intelligent pricing system 730, in intelligent pricing system 730 customer manager, Underwriter and customer manager etc. pass through
It crosses access PC or mobile device to be modified pre- quotation, and inquiry data (is obtained by disclosed method final
Quotation) it returns again to business library, and the data feedback that will inquire the price is to core system 710.
Wherein intelligent pricing system 730 supports the importing of outside data and the export of price list, and sales force can be according to visitor
Family demand is in sales end typing inquiry demand and uploads customer data, and underwriter can check intelligence quotation knot according to inquiry demand
Fruit simultaneously makes the appropriate adjustments according to the actual situation, ultimately forms final quotation and feeds back to sales end, sales end single to price can carry out
It downloads and feeds back to client.In terms of data inputting, user right can also be configured, establishes the works such as data input, review, rollback
Make stream task, the electronic management for asking quote data is achieved in different user permission match differentiation menu function, avoid because
The loss of data is caused for the management difference of branch company itself or the loss of individual persons, while being consulted and being returned convenient for the later period
It cares for, to promote the efficiency of management.
Based on disclosed method, Offer Model is fixed a price suitable for group insurance business, comprehensively considered different employers industry,
The factors such as region, structure of personnel, parameter factors more comprehensively, with the method for machine learning, automatically customize for different employers
It offers out scheme, is truly realized " customization ", it is not a static pricing model, it can be with annual Claims Resolution situation
Continuous iteration is updated to be in danger the empirical datas such as rate and pricing model, it is more accurate to realize by self continuous upgrading
Price, while various risks index and Dynamic gene deposit in background data base, front end does not have quotation template, and safety is stronger；
Our price platform responsibility definition is flexible, and cost can also be defined flexibly, transfers intelligence quotation as a result, realizing and automates quotation,
It reduces the error manually calculated and lowers job costs, quotation timeliness is promoted while improving accuracy.In addition, intelligence quotation
System can store business information, realize the electronic management for asking quote data, avoid the management difference because of branch company itself
Or the loss of individual persons causes the loss of data, while consulting and looking back convenient for the later period, gradually forms corporate customer operation
Map promotes prospect's storage capacity.
Method based on experience rating, machine learning obtains experience Pure Fuse-cost, provides a kind of price side for group insurance business
Method and price platform, such as can comb company person's good fortune business last decade preciousness management data, including health insurance and non-
Health insurance totally five major class insurance kind establishes the risks and assumptions index system of various dimensions according to different classes of insurance kind responsibility, and according to
The responsibility that insurance kind includes calculates separately the experience Pure Fuse-cost under each responsibility, total price of the insurance kind is obtained, using logistic regression
Algorithm carries out model verifying, builds the pricing model of diversification, precision, then docks pricing model with production system, intelligence
Can quotation system collection Underwriter, two large user of customer manager, be connected to each other with pricing model, realize to different regions, different groups,
The autonomous system platform of different work posts, different guarantee plan precision prices, realizes the online procedure of core job.The price
Model carries out real-time update iteration with variations such as newest management data, business model or medical insurance policies, compensates to group's future
Reach accurate prediction, improves the precision of model；The pricing model that will finally put up is embedded in intelligent quotation system
In, underwriter can call at any time pricing model as a result, reducing the error that manually calculates and reducing job costs.
In conclusion the insurance intelligence price quoting method provided using the embodiment of the present disclosure, on the one hand, for group insurance in addition to peace
The pricing model of dress building calculates except pre- quotation, is also corrected accordingly to pre- quotation, obtains more accurate final
Quotation.On the other hand, the compositions such as risks and assumptions table, the standard rate table of various dimensions are established according to different classes of insurance kind responsibility
Middle table constructs pricing model, can compensate situation to group's future and more accurately be predicted, improve the precision of model,
Further increase the precision of pre- quotation.
Corresponding with above-mentioned insurance intelligence price quoting method, Fig. 8 is a kind of insurance provided according to one embodiment of the disclosure
The schematic diagram of intelligence quotation device, with reference to Fig. 8, insure intelligence quotation device 800 include: measuring and calculating module 810, modeling module 820,
Pre- quote module 830 and correction module 840.
Measuring and calculating module 810 be used to be accepted insurance according to the history of acquisition data and history is settled a claim data, is fixed a price and is carried out according to responsibility
Measuring and calculating, obtains middle table；Modeling module 820 is used to construct pricing model according to the middle table；Pre- quote module 830 is used for will
The attribute information and insurance kind scheme of customer insured, which is input in the pricing model, obtains pre- quotation；Correction module 840 for pair
The pre- quotation is corrected accordingly according to the scheme of insuring, and obtains final quotation.
In a kind of exemplary embodiment of the disclosure, calculates in module 810 and calculated according to responsibility price, obtained
Between table, wherein in middle table include standard rate table, Risk Adjusted factor table, group's age distribution and group's scale factor table,
Insurance kind responsibility is finely divided as much as possible during measuring and calculating, fixes a price by responsibility, comprehensively considers client properties and insurance kind scheme, it is right
Data under certain single liability are analyzed.There is no the acquisition of index to see above introduction in middle table, details are not described herein again.
In a kind of exemplary embodiment of the disclosure, combines the middle table of measuring and calculating to establish in modeling module 820 and return mould
Type, using the data verification modelling effect in newest year, due to include in middle table standard rate table, Risk Adjusted factor table,
Group's scale factor table, age distribution, level of consumption growth factor etc. under group's difference average age, for different insurance kinds from
The corresponding several factors are selected to carry out data training in middle table, to obtain pricing model.For example, compensated according to the past first
History constructs pricing model, obtains also needing to verify pricing model except above-mentioned pricing model, i.e., compensates and go through from the past
Multi-group data is selected according to different dimensions such as insurance kind, years in history data, according to the corresponding output of data of input pricing model
Estimated price, then difference between actual price is within the allowable range, then illustrates that pricing model is more accurate, can using with
In subsequent step, but if the difference between estimated price and real price illustrates pricing model beyond the range allowed
Accuracy also need further to be promoted.
In a kind of exemplary embodiment of the disclosure, price mould is constructed also according to the middle table in modeling module 820
After type, further includes: according in newest Claims Resolution data, insurance business mode and medical insurance policies at least one of or multinomial combination
Real-time update is carried out to the pricing model.Pricing model can iteration update, i.e., by being docked with operation system, with annual reason
The continuous iteration of the update for condition of apologizing is in danger the experience ratings such as rate and pricing model, is realized more by self continuous upgrading
Accurately to fix a price.
In a kind of exemplary embodiment of the disclosure, the attribute information packet of customer insured described in pre- quote module 830
Group information and crowd characteristic are included, above-mentioned pricing model is based on, the group information, these attributes of the crowd characteristic will be believed
Breath and the insurance kind scheme are input in the pricing model, and output result is the pre- quotation.
In a kind of exemplary embodiment of the disclosure, quotation is simple basis in advance obtained in pre- quote module 830
The data that model obtains, the accuracy in the embodiment of the present disclosure to guarantee to provide quotation, it is also necessary to which pre- quotation is sent to client
Manager, Underwriter, client, which handle etc., carries out manual examination and verification, needs that situations such as previously compensating is combined to be modified pre- quotation.
In a kind of exemplary embodiment of the disclosure, need to do difference according to the scheme of insuring when correction module 840 is corrected
Mode writes amendment, for example, the scheme of insuring includes new guarantor's business and continuation of insurance business.When the scheme of insuring is new guarantor's business
When, it is described that the pre- quotation is corrected accordingly according to the scheme of insuring, obtain final quotation are as follows: based on the pre- quotation knot
It closes after corresponding modifying factor is modified, obtains final quotation, wherein the modifying factor is to preset, mainly basis
Condition of insuring carries out assignment；It is described that the pre- quotation is carried out according to scheme of insuring when the scheme of insuring is continuation of insurance business
Corresponding amendment, obtains final quotation are as follows: sets belief factor based on history Claims Resolution data and the continuation of insurance time limit；According to the forecast
Valence, described the past compensate and are calculated in conjunction with the belief factor, obtain final quotation.Belief factor therein and group are previously
It is related to the continuation of insurance time limit to compensate situation.Therefore the past compensates * belief factor to final quotation=offering * (1- belief factor) in advance+.
Due to the disclosure example embodiment insurance intelligence quotation device each functional module with it is above-mentioned shown in Fig. 2
The step of insuring the example embodiment of intelligent price quoting method is corresponding, therefore for undisclosed thin in embodiment of the present disclosure
Section please refers to the embodiment of the intelligent price quoting method of the above-mentioned insurance of the disclosure.
In conclusion the insurance intelligence quotation device provided using the embodiment of the present disclosure, on the one hand, for group insurance in addition to peace
The pricing model of dress building calculates except pre- quotation, is also corrected accordingly to pre- quotation, obtains more accurate final
Quotation.On the other hand, the compositions such as risks and assumptions table, the standard rate table of various dimensions are established according to different classes of insurance kind responsibility
Middle table constructs pricing model, can compensate situation to group's future and more accurately be predicted, improve the precision of model,
Further increase the precision of pre- quotation.
In one example, realization shown in Fig. 7 insurance shown in Fig. 2 can be set in insurance intelligence quotation device 800
It is fixed for example including the intelligence in the intelligent pricing system 730 and big data platform 722 in Fig. 7 in the system of intelligent price quoting method
Valence model.
Below with reference to Fig. 9, it illustrates the computer systems 900 for the electronic equipment for being suitable for being used to realize the embodiment of the present invention
Structural schematic diagram.The computer system 900 of electronic equipment shown in Fig. 9 is only an example, should not be to the embodiment of the present invention
Function and use scope bring any restrictions.
As shown in figure 9, computer system 900 includes central processing unit (CPU) 901, it can be read-only according to being stored in
Program in memory (ROM) 902 or be loaded into the program in random access storage device (RAM) 903 from storage section 908 and
Execute various movements appropriate and processing.In RAM903, it is also stored with various programs and data needed for system operatio.CPU
901, ROM 902 and RAM 903 is connected with each other by bus 904.Input/output (I/O) interface 905 is also connected to bus
904。
I/O interface 905 is connected to lower component: the importation 906 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 907 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 908 including hard disk etc.；
And the communications portion 909 of the network interface card including LAN card, modem etc..Communications portion 909 via such as because
The network of spy's net executes communication process.Driver 910 is also connected to I/O interface 905 as needed.Detachable media 911, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 910, in order to read from thereon
Computer program be mounted into storage section 908 as needed.
Particularly, according to an embodiment of the invention, may be implemented as computer above with reference to the process of flow chart description
Software program.For example, the embodiment of the present invention includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 909, and/or from detachable media
911 are mounted.When the computer program is executed by central processing unit (CPU) 901, executes and limited in the system of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the present invention can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the present invention, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In invention, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes such as the above-mentioned medical data management method as described in the examples based on block chain.
For example, the electronic equipment may be implemented as shown in Figure 2: step S210 accepts insurance according to the history of acquisition
Data and history Claims Resolution data, are calculated according to responsibility price, obtain middle table；Step S220, according to the middle table structure
Build pricing model；Step S230, the attribute information of customer insured and insurance kind scheme are input in the pricing model obtain it is pre-
Quotation；Step S240 corrects the pre- quotation accordingly according to the scheme of insuring, obtains final quotation.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) executes embodiment according to the present invention
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (10)
1. a kind of intelligent price quoting method of insurance characterized by comprising
According to the history of acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table；
Pricing model is constructed according to the middle table；
The attribute information of customer insured and insurance kind scheme are input in the pricing model and obtain pre- quotation；
The pre- quotation is corrected accordingly according to the scheme of insuring, obtains final quotation.
2. the intelligent price quoting method of insurance according to claim 1, which is characterized in that include standard rate in the middle table
Table；
The history according to acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table
Include:
It is determined according to the history data most insurance kind of data accounting that will accept insurance of accepting insurance as benchmark insurance kind；
Be in danger probability and intensity of being in danger based on benchmark insurance kind described in history Claims Resolution data acquisition；
Corresponding base condition is determined for the benchmark insurance kind, obtains experience rating of the benchmark insurance kind under base condition
As standard rate table.
3. the intelligent price quoting method of insurance according to claim 2, which is characterized in that further include risk tune in the middle table
Integral divisor table；
The history according to acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table
Include:
At least one risk factors faced for each insurance kind are extracted according to history Claims Resolution data；
It is fitted for the factor of at least one risk factors of each insurance kind, forms the Risk Adjusted factor table.
4. the intelligent price quoting method of insurance according to claim 3, which is characterized in that further include group year in the middle table
Age distribution and group's scale factor table；
The history according to acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain middle table
Include:
It is accepted insurance the essential information of data acquisition group insured population according to the history, wherein being included at least in the essential information
Insurer's the range of age and group's number；
It is analyzed according to the age of group's insured population, obtains group's age distribution；
It is analyzed according to group's number of group's insured population, obtains group's scale factor table.
5. the intelligent price quoting method of insurance according to claim 1, which is characterized in that construct price mould according to the middle table
After type, the method also includes:
According in newest Claims Resolution data, insurance business mode and medical insurance policies at least one of or multinomial combination to the price
Model carries out real-time update.
6. the intelligent price quoting method of insurance according to claim 1, which is characterized in that the attribute information packet of the customer insured
Include group information and crowd characteristic；
It is described the attribute information of customer insured and insurance kind scheme are input in the pricing model obtain it is pre- quotation include:
The group information, the crowd characteristic and the insurance kind scheme are input in the pricing model, output result is
The pre- quotation.
7. the intelligent price quoting method of insurance according to claim 6, which is characterized in that the scheme of insuring includes new guarantor's business
With continuation of insurance business；
It is described that the pre- quotation is corrected accordingly according to the scheme of insuring when the scheme of insuring is new guarantor's business, it obtains
To final quotation are as follows:
After being modified based on the pre- quotation in conjunction with corresponding modifying factor, final quotation is obtained, wherein the modifying factor
To preset；
It is described that the pre- quotation is corrected accordingly according to the scheme of insuring when the scheme of insuring is continuation of insurance business, it obtains
To final quotation are as follows:
Belief factor is set based on history Claims Resolution data and the continuation of insurance time limit；
It compensates and is calculated in conjunction with the belief factor according to the pre- quotation, the past, obtain final quotation.
The device 8. a kind of insurance is intelligently offered characterized by comprising
Calculate module, for the history according to acquisition accept insurance data and history Claims Resolution data, according to responsibility price calculated, obtain
To middle table；
Modeling module, for constructing pricing model according to the middle table；
Pre- quote module is forecast for the attribute information of customer insured and insurance kind scheme to be input in the pricing model
Valence；
Correction module obtains final quotation for being corrected accordingly to the pre- quotation according to the scheme of insuring.
9. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is executed by processor
Insurance intelligence price quoting method of the Shi Shixian as described in any one of claims 1 to 7.
10. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
When device executes, so that one or more of processors realize that the insurance as described in any one of claims 1 to 7 is intelligently offered
Method.
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