WO2017152637A1 - 医疗保险基金精算预警系统及方法 - Google Patents

医疗保险基金精算预警系统及方法 Download PDF

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WO2017152637A1
WO2017152637A1 PCT/CN2016/104130 CN2016104130W WO2017152637A1 WO 2017152637 A1 WO2017152637 A1 WO 2017152637A1 CN 2016104130 W CN2016104130 W CN 2016104130W WO 2017152637 A1 WO2017152637 A1 WO 2017152637A1
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medical insurance
actuarial
data
insurance fund
fund
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PCT/CN2016/104130
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English (en)
French (fr)
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张贯京
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深圳市前海安测信息技术有限公司
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Publication of WO2017152637A1 publication Critical patent/WO2017152637A1/zh

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/04Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

Definitions

  • the present invention relates to the field of medical insurance information processing, and in particular, to an actuarial warning system and method for a medical insurance fund.
  • the main object of the present invention is to provide an actuarial warning system and method for a medical insurance fund, which aims to solve the technical problem that the forecasting actuarial calculation of the medical insurance fund is inaccurate and the health insurance fund cannot be monitored.
  • the present invention provides an actuarial warning system for a medical insurance fund, which runs in a cloud server, and the cloud server is connected to a medical insurance database system.
  • the actuarial warning system of the medical insurance fund includes:
  • the medical insurance fund processing module extracts medical insurance fund data from the medical insurance database system, Performing screening and format conversion processing on the medical insurance fund data, and storing the processed medical insurance fund data into the first data storage repository;
  • the actuarial module of the medical insurance fund is configured to obtain medical insurance fund data from the first data storage database, perform predictive actuarial calculation on the obtained medical insurance fund data, and obtain an actuarial result of the medical insurance fund data, and calculate the forecast actuarial The result is transferred to the second data storage for storage;
  • a prediction result output module configured to obtain a predicted actuarial result from the second data repository, compare the predicted actuarial result with a preset range, and generate the predicted actuarial result when the preset actuarial result exceeds a preset range Alarm information and displaying the predicted actuarial result and alarm information on a display of the cloud server
  • the medical insurance fund processing module includes:
  • a data extraction submodule configured to receive a medical insurance keyword input from the smart terminal, and extract medical insurance fund data from the medical insurance database system according to the medical insurance keyword;
  • a data filtering sub-module configured to filter the medical insurance fund data and reject redundant data
  • the data conversion submodule is configured to format the processed medical insurance fund data into a predetermined format, and transmit the converted medical insurance fund data to the first data storage store for storage.
  • the medical insurance fund actuarial module comprises:
  • a data import sub-module configured to obtain medical insurance fund data from the first data repository and obtain medical insurance information from the medical insurance information system, and call the actuarial model from the actuarial model library and call from the actuarial method library Actuarial method
  • a predictive sperm sub-module configured to perform predictive actuarial calculation on the medical insurance fund data by using the actuarial model and the actuarial method, and store the predicted actuarial result in the second data repository.
  • the prediction result outputting module is further configured to: when the predicted actuarial result exceeds a preset range, output a control instruction to control an alarm of the cloud server to issue an alarm message, and when the predicted actuarial result is not Exceeding the preset range, the predicted actuarial results of the medical insurance fund data are sent to the intelligent terminal of the medical insurance fund supervisor to monitor the medical insurance fund data in the preset area.
  • the present invention provides an actuarial warning method for a medical insurance fund, which is applied to a cloud server, and the cloud server is connected to a medical insurance database system, and the method includes:
  • Step S1 extracting medical insurance fund data from the medical insurance database system, and the medical insurance The insurance fund data is filtered and formatted, and the processed medical insurance fund data is stored in the first data storage repository;
  • Step S2 obtaining medical insurance fund data from the first data storage database, performing predictive actuarial calculation on the obtained medical insurance fund data, and obtaining the predicted actuarial result of the medical insurance fund data, and transmitting the predicted actuarial result to the second
  • the data repository is stored;
  • Step S3 obtaining a predicted actuarial result from the second data repository, comparing the predicted actuarial result with a preset range, and generating an alarm message when the predicted actuarial result exceeds a preset range
  • the predicted actuarial results and alarm information are displayed on a display of the cloud server.
  • the step S1 includes the following steps:
  • the step S2 includes the following steps:
  • the medical insurance information includes a unit contribution rate, a proportion of the individual account and a set of payment wages, an inflation rate, a bank periodic interest rate, a regional birth rate, a mortality rate, and an employment rate.
  • the medical insurance fund actuarial warning method further comprises the steps of:
  • the predicted actuarial result of the medical insurance fund data is sent to the intelligent terminal of the medical insurance fund supervisor to perform monitoring of the medical insurance fund data in the preset area.
  • the medical insurance fund data includes a monthly payment amount and a payment base, and monthly insured personnel hospitalization reimbursement and disease reimbursement fund data.
  • the actuarial warning system and method for the medical insurance fund of the present invention adopts the above technical solutions, and achieves the following technical effects: obtaining medical insurance funds by extracting medical insurance fund data in the social security database system
  • the data is more convenient, which reduces the complexity of obtaining the actuarial data of the medical insurance fund, and can effectively monitor the operation of the medical insurance fund; in addition, it can flexibly select multiple actuarial models and multiple actuarial methods to facilitate the diversification of the forecast results. And analysis, improving the accuracy of the actuarial calculation of medical insurance fund data.
  • FIG. 1 is a diagram showing an application environment architecture of a preferred embodiment of the actuarial warning system of the medical insurance fund of the present invention
  • FIG. 2 is a schematic diagram of functional modules of a preferred embodiment of the actuarial warning system of the medical insurance fund of the present invention
  • FIG. 3 is a flow chart of a preferred embodiment of the actuarial warning method of the medical insurance fund of the present invention
  • step S31 in FIG. 3 is a detailed sub-flow chart of step S31 in FIG. 3;
  • FIG. 5 is a detailed sub-flow diagram of step S32 in FIG.
  • FIG. 1 is a diagram of an application environment architecture of a preferred embodiment of the actuarial warning system of the medical insurance fund of the present invention.
  • the medical insurance fund actuarial warning system 10 runs in the cloud server 1, and the cloud server 1 is connected to the medical insurance database system 2 and the medical insurance letter through the communication network 21.
  • the information system 3, and the smart terminal 6 connected to the medical insurance fund supervisor through the wireless network 22.
  • the cloud server 1 is also connected to the first data repository 4 and the second data repository 5 via a database link (for example, a detachable database link such as JDBC or ODBC).
  • the communication network 21 may be a wide area network (such as an Internet network such as the Internet) or a local area network (such as an enterprise network such as an intranet), and the wireless network 22 may be a mobile communication network such as GPRS.
  • the cloud server 1 is a network server, a file server, and other computer devices with large data processing capabilities for executing the medical insurance fund actuarial warning system 10 to implement the medical insurance fund actuarial.
  • the medical insurance database system 2 stores basic medical insurance fund data required by the medical insurance fund actuarial system, including insured personnel payment information, hospitalization reimbursement medical information, and chronic disease medical treatment reimbursement information, which are information recorded by the insured person for the unit. , providing data support for the actuarial device of the medical insurance fund.
  • the medical insurance information system 3 stores medical insurance information, including the unit contribution rate, the proportion of the individual account and the setting of the payment wage, the inflation rate, the bank periodic interest rate, the regional birth rate, the mortality rate, and the employment rate.
  • the first data repository 4 is for storing processed medical insurance fund data
  • the second data repository 5 is for storing predicted actuarial results of medical insurance fund data.
  • the smart terminal 6 can be a personal computer, a notebook computer, a PDA device, a mobile phone or other computing device, and the medical insurance fund supervisor can download the predicted actuarial result from the cloud server 1 to perform real-time monitoring of the medical insurance fund in the preset area. data.
  • FIG. 2 is a schematic diagram of functional modules of a preferred embodiment of the actuarial warning system of the medical insurance fund of the present invention.
  • the medical insurance fund actuarial warning system 10 is applied to the cloud server 1 , and the cloud server 1 further includes an actuarial model library 11 , an actuarial method library 12 , an alarm device 13 , Display 14, processor 15 and memory 16.
  • the medical insurance fund actuarial warning system 10 includes a medical insurance fund processing module 101, a medical insurance fund actuarial module 102, and a prediction result output module 103.
  • the medical insurance fund processing module 101 includes a data extraction sub-module 1011, a data filtering sub-module 1012, and a data conversion sub-module 1013.
  • the medical insurance fund actuarial module 102 includes a data import sub-module 1021 and a predictive sperm sub-module 1022.
  • the medical insurance fund processing module 101 is configured to extract medical insurance fund data from the medical insurance database system 2, perform screening and format conversion processing on the medical insurance fund data, and process the The medical insurance fund data is stored in the first data repository 4.
  • the medical insurance fund data processing module 101 is connected to the medical insurance database system 3 through the data extraction sub-module 1011, and extracts medical insurance fund data required by the medical insurance fund actuarial system from the medical insurance database system 3, which includes the insured personnel payment information. , hospitalization reimbursement medical information and chronic disease medical reimbursement information, these are information recorded by the insured person for the unit, providing data support for the actuarial of the medical insurance fund.
  • the data extraction sub-module 1011 is configured to receive a medical insurance keyword input from the smart terminal 6, and extract medical insurance fund data from the medical insurance database system 2 according to the medical insurance keyword.
  • the data filtering sub-module 1012 is configured to filter the medical insurance fund data and eliminate redundant data, for example, screening and procuring the medical insurance fund data to meet non-compliant, incomplete and repeated data (ie, redundancy) Data).
  • the data conversion sub-module 1013 is configured to format the processed medical insurance fund data into a predetermined data format, and transmit the converted medical insurance fund data to the first data storage 4 for storage.
  • the data filtering sub-module 1012 filters and filters out incomplete and repeated data that does not meet the requirements; the data conversion sub-module 1013 is configured to perform format conversion and statistical calculation on the data processed by the data filtering sub-module. . For example: Statistics of the annual average number of contributions, the average annual payment base, the average monthly payment base, the monthly average hospitalization, the monthly average hospitalization cost, and the monthly average number of chronic patients. And the data format for the average monthly medical treatment costs of chronic patients, which is conducive to calculation, provides information support for realizing the actuarial warning of medical insurance funds.
  • the medical insurance fund actuarial module 102 is configured to obtain medical insurance fund data from the first data repository 4, and perform predictive actuarial calculation on the obtained medical insurance fund data to obtain predicted actuarial results of the medical insurance fund data, and The predicted actuarial results are transmitted to the second data repository 5 for storage, and the predicted results are stored and stored as part of the medical insurance big data after the predicted actuarial calculation is completed, providing data support for the analysis of the medical insurance operation status and the improvement of the medical insurance policy. .
  • the medical insurance fund actuarial module 102 obtains the medical insurance fund data processed in the first data storage 4 through the data importing sub-module 1021, selects an appropriate actuarial model and an appropriate actuarial method, and sets medical insurance.
  • the information and external data are finally uniformly aggregated to the predictive sperm sub-module 1022 to perform a specific calculation process.
  • the data importing sub-module 1021 acquires medical insurance fund data from the first data repository 4 and obtains medical insurance information from the medical insurance information system 3, and calls the actuarial model from the actuarial model library 11 and from the actuary party.
  • the actuarial method is called in the Faku 12.
  • the predictive sperm sub-module 1022 uses the actuarial model and the actuarial method to perform predictive actuarial calculation on the medical insurance fund data to obtain a predicted actuarial result, and stores the predicted actuarial result in the second data repository 5.
  • the actuarial model includes an empirical model and a parametric model.
  • the actuarial method includes gray GM prediction, metabolic gray GM prediction, secondary exponential smoothing prediction, and trend actuarial method.
  • the prediction result output module 103 is configured to obtain a predicted actuarial result from the second data repository 5, and compare the predicted actuarial result with a preset range, when the predicted actuarial result exceeds a preset range. That is, an alarm message is generated and the predicted actuarial result and the alarm information are displayed on the display 14 of the cloud server 1.
  • the prediction result outputting module 103 is further configured to output a control instruction to control the alarm device 13 of the cloud server 1 to issue an alarm message.
  • the prediction result output module 103 is further configured to send the predicted actuarial result of the medical insurance fund data to the smart terminal 6 of the medical insurance fund supervisor to perform monitoring of the medical insurance fund data in the preset area.
  • the prediction result output module 103 provides a plurality of output presentation forms for the prediction result, and provides analysis suggestions, such as an early warning of the operational safety of the medical insurance fund.
  • FIG. 3 is a flow chart of a preferred embodiment of the actuarial warning method of the medical insurance fund of the present invention.
  • the medical insurance fund actuarial warning method is applied to the cloud server 1 in FIG. 1, and as shown in FIG. 1 and FIG. 2, the method includes, but is not limited to, steps S31 to S36.
  • Step S31 the health insurance fund processing module 101 extracts medical insurance fund data from the medical insurance database system 2, performs screening and format conversion processing on the medical insurance fund data, and stores the processed medical insurance fund data to The first data store 4 is.
  • the medical insurance fund data processing module 10 1 extracts medical insurance fund data required by the medical insurance fund actuarial system from the medical insurance database system 3, which includes insured personnel payment information, hospitalization reimbursement medical information, and chronic disease medical treatment reimbursement information. It is the information that the insured person makes records for the unit, and provides data support for the actuarial calculation of the medical insurance fund.
  • Step S32 the medical insurance fund actuarial module 102 obtains medical insurance fund data from the first data storage base 4, and performs predictive actuarial calculation on the obtained medical insurance fund data to obtain predicted actuarial results of the medical insurance fund data, and The predicted actuarial results are transmitted to the second data repository 5 for storage as part of the health insurance big data, analysis of health insurance operations and improvement of medical insurance policies Provide data support.
  • Step S33 the prediction result output module 103 obtains the predicted actuarial result from the second data repository 5.
  • the setting of the preset range is based on the range of the calculation result obtained by the general prediction model of the industry, and is used as a basis for judging the accuracy of the actuarial result.
  • Step S34 the prediction result outputting module 103 determines whether the predicted actuarial result exceeds a preset range. If the predicted actuarial result is out of the preset range, the process proceeds to step S35; if the predicted actuarial result does not exceed the preset range, the process ends.
  • Step S35 the prediction result output module 103 generates alarm information and displays the predicted actuarial result and alarm information on the display 14 of the cloud server 1, and outputs a control command to control the alarm 13 of the cloud server 1 to issue Alarm information.
  • the prediction result output module 103 can provide various output presentation forms for the prediction result, and provide analysis suggestions, for example, monitoring and early warning of the operation and safety of the medical insurance fund.
  • Step S36 the prediction result outputting module 103 sends the predicted actuarial result of the medical insurance fund data to the smart terminal 6 of the medical insurance fund supervisor to perform monitoring of the medical insurance fund data in the preset area for medical insurance.
  • Fund supervisors and ⁇ understand the operational safety of the medical insurance fund.
  • FIG. 4 is a refinement sub-flow chart of step S31 in FIG.
  • step S31 in FIG. 3 includes the following steps:
  • Step S311 the data extraction sub-module 1011 receives the medical insurance keyword input from the smart terminal 6, and extracts the medical insurance fund data from the medical insurance database system 2 according to the medical insurance keyword.
  • Step S312 the data screening sub-module 1012 filters the medical insurance fund data and eliminates redundant data, for example, screening and filtering the medical insurance fund data to meet non-compliant, incomplete and repeated redundant data. .
  • Step S313 the data conversion sub-module 1013 formats the processed medical insurance fund data into a predetermined data format, and transfers the converted medical insurance fund data to the first data storage 4 for storage.
  • the data conversion sub-module 1013 is configured to perform format conversion on the data processed by the data filtering sub-module and perform statistical calculation. For example: Statistics for the first ten years before the forecasting of the regional forecasting The annual average number of contributions, the average annual payment base, the monthly average payment, the monthly average payment base, the monthly average hospitalization, the monthly average hospitalization cost, the monthly average number of chronic patients seeking medical treatment, and the monthly average medical treatment cost for chronic patients are all conducive data.
  • the format provides information support for the realization of the actuarial warning of the medical insurance fund.
  • step S32 in FIG. 3 includes the following steps:
  • Step S321 the data importing sub-module 1021 obtains the medical insurance fund data from the first data storage library 4, and obtains the medical insurance information from the medical insurance information system 3.
  • the medical insurance information medical insurance information includes a unit contribution rate, a proportion of the individual account and a set of payment wages, an inflation rate, a bank periodic interest rate, a regional birth rate, a mortality rate, and an employment rate.
  • Step S321 the data import sub-module 1021 calls the actuarial model from the actuarial model library 11 and calls the actuarial method from the actuarial method library 12.
  • the actuarial model includes an empirical model and a parametric model.
  • the actuarial method includes gray GM prediction, metabolic gray GM prediction, secondary exponential smoothing prediction, and trend actuarial method.
  • Step S323 the predictive sperm sub-module 1022 uses the actuarial model and the actuarial method to perform predictive actuarial calculation on the medical insurance fund data to obtain the predicted actuarial result, and stores the predicted actuarial result in the second data repository 5.
  • the predicted results are stored and stored as part of the medical insurance big data after the completion of the predictive actuarial, providing data support for the analysis of the health insurance operating conditions and the improvement of the medical insurance policy.
  • the actuarial warning system and method for the medical insurance fund of the present invention adopts the above technical solutions, and achieves the following technical effects: obtaining medical insurance funds by extracting medical insurance fund data in the social security database system Data is more convenient, reducing access to actuarial data for health insurance funds Complexity, and can effectively monitor the operation of medical insurance funds;
  • a variety of actuarial models and multiple actuarial methods can be flexibly selected to facilitate the diversified comparison and analysis of forecast results, and improve the actuarial calculation of medical insurance fund data. accuracy.

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Abstract

一种医疗保险基金精算预警系统(10)及方法,应用于连接至医疗保险数据库系统(2)的服务器中。所述医疗保险基金精算预警方法包括步骤:从医疗保险数据库系统中抽取医疗保险基金数据,对医疗保险基金数据进行筛选和格式转换处理,并将处理后的医疗保险基金数据存储至第一数据存储库中;对获取的医疗保险基金数据进行预测精算得到医疗保险基金数据的预测精算结果,并将预测精算结果传送至第二数据存储库进行存储;将预测精算结果与预设范围进行比较,当预测精算结果超出预设范围时,产生报警信息并将预测精算结果和报警信息显示在显示器上。本发明提高了医疗保险基金预测精算的准确性,并对医疗保险基金的运行安全进行有效监控和预警。

Description

说明书 发明名称:医疗保险基金精算预警系统及方法 技术领域
[0001] 本发明涉及医疗保险信息处理领域, 尤其涉及一种医疗保险基金精算预警系统 及方法。
背景技术
[0002] 随着我国经济的持续增长, 用于健康和人寿保险的支出不断增加。 健康、 生命 和教育一样, 是人力资本的主要组成部分, 安定、 卫生和健康投资可以直接提 高社会生产力。 因而研究人寿保险和健康保险的需求, 具有重要的经济和社会 意义, 对保险公司核保和精算更具现实意义。
[0003] 最近几年我国人口老齢化趋势日益加剧, 城镇职工基本医疗保险体系的运行面 临的统筹基金收支平衡压力日益显现, 导致基本医疗保险基金支出增长率高于 收入增长率的因素有很多, 包括人口预期寿命延长的情况下住院率攀升、 医疗 费用支出上涨、 过度检査和用药以及药物价格的居高不下、 参保人员缴费基数 不实、 参保人员漏缴费用等。 因此, 建立一种医疗保险基金精算预警系统及方 法, 来实吋监控城镇职工基本医疗保险基金的预测数据, 从而进一步了解城镇 职工基本医疗保险基金的运行状况。
技术问题
[0004] 本发明的主要目的在于提供一种医疗保险基金精算预警系统及方法, 旨在解决 对医疗保险基金的预测精算不准确及无法实吋监控医疗保险基金运行状况的技 术问题。
问题的解决方案
技术解决方案
[0005] 为实现上述目的, 本发明提供了一种医疗保险基金精算预警系统, 运行于云服 务器中, 所述云服务器连接至医疗保险数据库系统。 所述医疗保险基金精算预 警系统包括:
[0006] 医疗保险基金处理模块从所述医疗保险数据库系统中抽取医疗保险基金数据, 对所述医疗保险基金数据进行筛选和格式转换处理, 并将处理后的医疗保险基 金数据存储至第一数据存储库中;
[0007] 医疗保险基金精算模块, 用于从第一数据存储库中获取医疗保险基金数据, 对 获取的医疗保险基金数据进行预测精算得到医疗保险基金数据的预测精算结果 , 并将所述预测精算结果传送至第二数据存储库进行存储;
[0008] 预测结果输出模块, 用于从所述第二数据存储库中获取预测精算结果, 将所述 预测精算结果与预设范围进行比较, 当所述预测精算结果超出预设范围吋, 产 生报警信息并将所述预测精算结果和报警信息显示在所述云服务器的显示器上
[0009] 优选地, 所述医疗保险基金处理模块包括:
[0010] 数据抽取子模块, 用于接收从智能终端输入的医疗保险关键字, 并根据所述医 疗保险关键字从所述医疗保险数据库系统中抽取医疗保险基金数据;
[0011] 数据筛选子模块, 用于将所述医疗保险基金数据进行筛选并剔除冗余数据;
[0012] 数据转换子模块, 用于将处理后的医疗保险基金数据进行格式转换成预定格式 , 并将转换后的医疗保险基金数据传送至所述第一数据存储库中存储。
[0013] 优选地, 所述医疗保险基金精算模块包括:
[0014] 数据导入子模块, 用于从第一数据存储库中获取医疗保险基金数据并从医疗保 险信息系统中获取医疗保险信息, 以及从精算模型库中调用精算模型并从精算 方法库中调用精算方法;
[0015] 预测精算子模块, 用于利用所述精算模型和精算方法对医疗保险基金数据进行 预测精算得到预测精算结果, 并将预测精算结果存储在所述第二数据存储库。
[0016] 优选地, 所述预测结果输出模块还用于当所述预测精算结果超出预设范围吋输 出控制指令以控制所述云服务器的报警器发出报警信息, 以及当所述预测精算 结果未超出预设范围吋将医疗保险基金数据的预测精算结果发送至医疗保险基 金监督人员的智能终端进行实吋监测预设区域内的医疗保险基金数据。
[0017] 本发明提供了一种医疗保险基金精算预警方法, 应用于云服务器中, 所述云服 务器连接至医疗保险数据库系统, 该方法包括:
[0018] 步骤 S1 : 从所述医疗保险数据库系统中抽取医疗保险基金数据, 对所述医疗保 险基金数据进行筛选和格式转换处理, 并将处理后的医疗保险基金数据存储至 第一数据存储库中;
[0019] 步骤 S2: 从第一数据存储库中获取医疗保险基金数据, 对获取的医疗保险基金 数据进行预测精算得到医疗保险基金数据的预测精算结果, 并将所述预测精算 结果传送至第二数据存储库进行存储;
[0020] 步骤 S3: 从所述第二数据存储库中获取预测精算结果, 将所述预测精算结果与 预设范围进行比较, 当所述预测精算结果超出预设范围吋, 产生报警信息并将 所述预测精算结果和报警信息显示在所述云服务器的显示器上。
[0021] 优选地, 所述步骤 S1包括步骤:
[0022] 接收从智能终端输入的医疗保险关键字, 并根据所述医疗保险关键字从所述医 疗保险数据库系统中抽取医疗保险基金数据;
[0023] 将所述医疗保险基金数据进行筛选并剔除冗余数据;
[0024] 将处理后的医疗保险基金数据进行格式转换成预定格式, 并将转换后的医疗保 险基金数据传送至所述第一数据存储库中存储。
[0025] 优选地, 所述步骤 S2包括步骤:
[0026] 从第一数据存储库中获取医疗保险基金数据, 并从医疗保险信息系统中获取医 疗保险信息;
[0027] 从精算模型库中调用精算模型并从精算方法库中调用精算方法;
[0028] 利用所述精算模型和精算方法对医疗保险基金数据进行预测精算得到预测精算 结果, 并将预测精算结果存储在所述第二数据存储库。
[0029] 优选地, 所述医疗保险信息包括单位缴费率、 划入个人账户比例及对缴费工资 的设定、 通货膨胀率、 银行定期利率、 地区出生率、 死亡率和就业率。
[0030] 优选地, 所述医疗保险基金精算预警方法还包括步骤:
[0031] 当所述预测精算结果超出预设范围吋, 输出控制指令以控制所述云服务器的报 警器发出报警信息;
[0032] 当所述预测精算结果未超出预设范围吋, 将医疗保险基金数据的预测精算结果 发送至医疗保险基金监督人员的智能终端进行实吋监测预设区域内的医疗保险 基金数据。 [0033] 优选地, 所述医疗保险基金数据包括每月的缴费人数和缴费基数, 以及每月的 参保人员住院报销和疾病报销资金数据。
发明的有益效果
有益效果
[0034] 相较于现有技术, 本发明所述医疗保险基金精算预警系统及方法采用上述技术 方案, 达到了如下技术效果: 通过抽取社保数据库系统里的医疗保险基金数据 , 使得获取医疗保险基金数据更加方便, 降低了获取医疗保险基金精算数据的 复杂性, 并能实吋监控医疗保险基金运行状况; 此外, 可以灵活选择多种精算 模型和多种精算方法, 便于对预测结果进行多样化比较和分析, 提高了对医疗 保险基金数据预测精算的准确性。
对附图的简要说明
附图说明
[0035] 图 1是本发明医疗保险基金精算预警系统较佳实施例的应用环境架构图;
[0036] 图 2是本发明医疗保险基金精算预警系统较佳实施例的功能模块示意图;
[0037] 图 3是本发明医疗保险基金精算预警方法较佳实施例的流程图;
[0038] 图 4是图 3中的步骤 S31的细化子流程图;
[0039] 图 5是图 3中的步骤 S32的细化子流程图。
[0040] 本发明目的的实现、 功能特点及优点将结合实施例, 参照附图做进一步说明。
实施该发明的最佳实施例
本发明的最佳实施方式
[0041] 为更进一步阐述本发明为达成上述目的所采取的技术手段及功效, 以下结合附 图及较佳实施例, 对本发明的具体实施方式、 结构、 特征及其功效进行详细说 明。 应当理解, 此处所描述的具体实施例仅仅用以解释本发明, 并不用于限定 本发明。
[0042] 参考图 1所示, 图 1是本发明医疗保险基金精算预警系统较佳实施例的应用环境 架构图。 在本实施例中, 所述医疗保险基金精算预警系统 10运行于云服务器 1中 , 所述云服务器 1通过通讯网络 21连接至医疗保险数据库系统 2以及医疗保险信 息系统 3, 以及通过无线网络 22连接至医疗保险基金监督人员的智能终端 6。 所 述云服务器 1还通过数据库链接 (例如 JDBC或 ODBC等幵放式数据库链接) 连接 有第一数据存储库 4以及第二数据存储库 5。 所述通讯网络 21可以为广域网 (例 如 Internet等网际网络) 或局域网 (例如 Intranet等企业网络) , 所述无线网路 22 可以为 GPRS等移动通信网路。
[0043] 在本实施中, 所述云服务器 1为一种网络服务器、 文件服务器以及其它具有大 数据处理能力的计算机设备, 用于执行医疗保险基金精算预警系统 10来实现医 疗保险基金精算。 所述医疗保险数据库系统 2存储有医疗保险基金精算所需要的 基础医疗保险基金数据, 包括参保人员缴费信息、 住院报销医疗信息和慢性病 就医报销信息, 这些都是参保人为单位做记录的信息, 为医疗保险基金精算装 置提供数据支撑。 所述医疗保险信息系统 3存储有医疗保险信息, 包括单位缴费 率、 划入个人账户比例及对缴费工资的设定、 通货膨胀率、 银行定期利率、 地 区出生率、 死亡率和就业率。 所述第一数据存储库 4用于存储处理后的医疗保险 基金数据, 所述第二数据存储库 5用于存储医疗保险基金数据的预测精算结果。 所述智能终端 6可以为个人计算机、 笔记本电脑、 PDA设备、 手机或者其它计算 设备, 供医疗保险基金监督人员从云服务器 1中下载预测精算结果以便进行实吋 监测预设区域内的医疗保险基金数据。
[0044]
[0045] 参考图 2所示, 图 2是本发明医疗保险基金精算预警系统较佳实施例的功能模块 示意图。 结合图 1所示, 在本实施例中, 所述医疗保险基金精算预警系统 10应用 于所述云服务器 1, 所述云服务器 1还包括精算模型库 11、 精算方法库 12、 报警 器 13、 显示器 14、 处理器 15以及存储器 16。 所述医疗保险基金精算预警系统 10 包括医疗保险基金处理模块 101、 医疗保险基金精算模块 102以及预测结果输出 模块 103。 所述医疗保险基金处理模块 101包括数据抽取子模块 1011、 数据筛选 子模块 1012以及数据转换子模块 1013。 所述医疗保险基金精算模块 102包括数据 导入子模块 1021以及预测精算子模块 1022。
[0046] 所述医疗保险基金处理模块 101用于从所述医疗保险数据库系统 2中抽取医疗保 险基金数据, 对所述医疗保险基金数据进行筛选和格式转换处理, 并将处理后 的医疗保险基金数据存储至第一数据存储库 4中。 所述医疗保险基金数据处理模 块 101通过数据抽取子模块 1011与医疗保险数据库系统 3相连, 从医疗保险数据 库系统 3中抽取医疗保险基金精算所需要的医疗保险基金数据, 其包括参保人员 缴费信息、 住院报销医疗信息和慢性病就医报销信息, 这些都是参保人为单位 做记录的信息, 为医疗保险基金精算提供数据支撑。
[0047] 具体地, 所述数据抽取子模块 1011用于接收从智能终端 6输入的医疗保险关键 字, 并根据所述医疗保险关键字从所述医疗保险数据库系统 2中抽取医疗保险基 金数据。 所述数据筛选子模块 1012用于将所述医疗保险基金数据进行筛选并剔 除冗余数据, 例如对医疗保险基金数据进行筛选过滤掉不符合要求的、 不完整 的及重复的数据 (即冗余数据) 。 所述数据转换子模块 1013用于将处理后的医 疗保险基金数据进行格式转换成预定的数据格式, 并将转换后的医疗保险基金 数据传送至所述第一数据存储库 4中存储。 所述数据筛选子模块 1012对其进行筛 选过滤掉不符合要求的、 不完整的及重复的数据; 数据转换子模块 1013用于将 数据筛选子模块处理过的数据进行格式转换、 并做统计计算。 比如: 统计得统 筹地区预测基准年前十年每年的年平均缴费人数、 年平均缴费基数、 月平均缴 费人数、 月平均缴费基数、 月平均住院人数、 月平均住院花费、 月平均慢性病 人就医人数及慢性病人月平均就医费用等利于计算的数据格式, 为实现医疗保 险基金精算预警提供信息支撑。
[0048] 所述医疗保险基金精算模块 102用于从第一数据存储库 4中获取医疗保险基金数 据, 对获取的医疗保险基金数据进行预测精算得到医疗保险基金数据的预测精 算结果, 并将所述预测精算结果传送至第二数据存储库 5进行存储, 在预测精算 完成后将预测结果并进行存储作为医疗保险大数据的一部分, 为医疗保险运行 状况的分析和医疗保险政策的改进提供数据支持。 具体地, 所述医疗保险基金 精算模块 102通过数据导入子模块 1021获取保存在第一数据存储库 4中处理后的 医疗保险基金数据, 选择合适的精算模型及合适的精算方法, 设定医疗保险信 息和外部数据, 最后统一汇总到预测精算子模块 1022执行具体的计算过程。 所 述数据导入子模块 1021从第一数据存储库 4中获取医疗保险基金数据并从医疗保 险信息系统 3中获取医疗保险信息, 从精算模型库 11中调用精算模型并从精算方 法库 12中调用精算方法。 所述预测精算子模块 1022利用所述精算模型和精算方 法对医疗保险基金数据进行预测精算得到预测精算结果, 并将预测精算结果存 储在所述第二数据存储库 5。 其中, 所述精算模型包括经验模型和参数模型。 所 述精算方法, 包括灰色 GM预测、 新陈代谢灰色 GM预测、 二次指数平滑法预测 和趋势精算方法。
[0049] 所述预测结果输出模块 103用于从所述第二数据存储库 5中获取预测精算结果, 将所述预测精算结果与预设范围进行比较, 当所述预测精算结果超出预设范围 吋, 产生报警信息并将所述预测精算结果和报警信息显示在所述云服务器 1的显 示器 14上。 在本实施例中, 所述预测结果输出模块 103还用于输出控制指令以控 制所述云服务器 1的报警器 13发出报警信息。 所述预测结果输出模块 103还用于 将所述医疗保险基金数据的预测精算结果发送至医疗保险基金监督人员的智能 终端 6进行实吋监测预设区域内的医疗保险基金数据。 在本实施例中, 所述预测 结果输出模块 103对预测结果提供多种输出展示形式, 并给出分析建议, 如对医 疗保险基金的运行安全提出预警。
[0050]
[0051] 如图 3所示, 图 3是本发明医疗保险基金精算预警方法较佳实施例的流程图。 在 较佳实施例中, 所述医疗保险基金精算预警方法应用于图 1中的云服务器 1中, 结合图 1和图 2所示, 该方法包括, 但不仅限于, 步骤 S31至步骤 S36。
[0052] 步骤 S31, 疗保险基金处理模块 101从医疗保险数据库系统 2中抽取医疗保险基 金数据, 对所述医疗保险基金数据进行筛选和格式转换处理, 并将处理后的医 疗保险基金数据存储至第一数据存储库 4中。 所述医疗保险基金数据处理模块 10 1通过从医疗保险数据库系统 3中抽取医疗保险基金精算所需要的医疗保险基金 数据, 其包括参保人员缴费信息、 住院报销医疗信息和慢性病就医报销信息, 这些都是参保人为单位做记录的信息, 为医疗保险基金精算提供数据支撑。
[0053] 步骤 S32, 医疗保险基金精算模块 102从第一数据存储库 4中获取医疗保险基金 数据, 对获取的医疗保险基金数据进行预测精算得到医疗保险基金数据的预测 精算结果, 并将所述预测精算结果传送至第二数据存储库 5进行存储, 以便作为 医疗保险大数据的一部分, 为医疗保险运行状况的分析和医疗保险政策的改进 提供数据支持。
[0054] 步骤 S33, 预测结果输出模块 103从所述第二数据存储库 5中获取预测精算结果
, 并将所述预测精算结果与预设范围进行比较。 在本实施例中, 所述预设范围 的设定根据业界通用预测模型得到的计算结果范围值, 作为预测精算结果准确 度的判断依据。
[0055] 步骤 S34, 预测结果输出模块 103判断预测精算结果是否超出预设范围。 若所述 预测精算结果超出预设范围, 则流程执行步骤 S35 ; 若所述预测精算结果未超出 预设范围, 则流程结束。
[0056] 步骤 S35, 预测结果输出模块 103产生报警信息并将所述预测精算结果和报警信 息显示在云服务器 1的显示器 14上, 以及输出控制指令以控制所述云服务器 1的 报警器 13发出报警信息。 在本实施例中, 所述预测结果输出模块 103可以对预测 结果提供多种输出展示形式, 并给出分析建议, 例如对医疗保险基金的运行安 全提出监控和预警。
[0057] 步骤 S36, 预测结果输出模块 103将所述医疗保险基金数据的预测精算结果发送 至医疗保险基金监督人员的智能终端 6进行实吋监测预设区域内的医疗保险基金 数据, 以便医疗保险基金监督人员及吋了解医疗保险基金的运行安全。
[0058]
[0059] 如图 4所示, 图 4是图 3中的步骤 S31的细化子流程图。 在本实施例中, 图 3中的 步骤 S31包括如下步骤:
[0060] 步骤 S311, 数据抽取子模块 1011接收从智能终端 6输入的医疗保险关键字, 并 根据所述医疗保险关键字从医疗保险数据库系统 2中抽取医疗保险基金数据。
[0061] 步骤 S312, 数据筛选子模块 1012将所述医疗保险基金数据进行筛选并剔除冗余 数据, 例如对医疗保险基金数据进行筛选过滤掉不符合要求的、 不完整的及重 复的冗余数据。
[0062] 步骤 S313, 数据转换子模块 1013将处理后的医疗保险基金数据进行格式转换成 预定的数据格式, 并将转换后的医疗保险基金数据传送至所述第一数据存储库 4 中存储。 在本实施例中, 数据转换子模块 1013用于将数据筛选子模块处理过的 数据进行格式转换、 并做统计计算。 比如: 统计得统筹地区预测基准年前十年 每年的年平均缴费人数、 年平均缴费基数、 月平均缴费人数、 月平均缴费基数 、 月平均住院人数、 月平均住院花费、 月平均慢性病人就医人数及慢性病人月 平均就医费用等利于计算的数据格式, 为实现医疗保险基金精算预警提供信息 支撑。
[0063]
[0064] 如图 5所示, 图 5是图 3中的步骤 S32的细化子流程图。 在本实施例中, 图 3中的 步骤 S32包括如下步骤:
[0065] 步骤 S321, 数据导入子模块 1021从第一数据存储库 4中获取医疗保险基金数据 , 并从医疗保险信息系统 3中获取医疗保险信息。 在本实施例中, 所述医疗保险 信息医疗保险信息, 包括单位缴费率、 划入个人账户比例及对缴费工资的设定 、 通货膨胀率、 银行定期利率、 地区出生率、 死亡率和就业率。
[0066] 步骤 S321, 数据导入子模块 1021从精算模型库 11中调用精算模型并从精算方法 库 12中调用精算方法。 在本实施例中, 所述精算模型包括经验模型和参数模型 。 所述精算方法, 包括灰色 GM预测、 新陈代谢灰色 GM预测、 二次指数平滑法 预测和趋势精算方法。
[0067] 步骤 S323, 预测精算子模块 1022利用所述精算模型和精算方法对医疗保险基金 数据进行预测精算得到预测精算结果, 并将预测精算结果存储在所述第二数据 存储库 5。 在本实施例中, 在预测精算完成后将预测结果并进行存储作为医疗保 险大数据的一部分, 为医疗保险运行状况的分析和医疗保险政策的改进提供数 据支持。
[0068]
[0069] 以上仅为本发明的优选实施例, 并非因此限制本发明的专利范围, 凡是利用本 发明说明书及附图内容所作的等效结构或等效功能变换, 或直接或间接运用在 其他相关的技术领域, 均同理包括在本发明的专利保护范围内。
工业实用性
[0070] 相较于现有技术, 本发明所述医疗保险基金精算预警系统及方法采用上述技术 方案, 达到了如下技术效果: 通过抽取社保数据库系统里的医疗保险基金数据 , 使得获取医疗保险基金数据更加方便, 降低了获取医疗保险基金精算数据的 复杂性, 并能实吋监控医疗保险基金运行状况; 此外, 可以灵活选择多种精算 模型和多种精算方法, 便于对预测结果进行多样化比较和分析, 提高了对医疗 保险基金数据预测精算的准确性。

Claims

权利要求书
[权利要求 1] 一种医疗保险基金精算预警系统, 运行于云服务器中, 所述云服务器 连接至医疗保险数据库系统, 其特征在于, 所述医疗保险基金精算预 警系统包括: 医疗保险基金处理模块, 用于从所述医疗保险数据库系 统中抽取医疗保险基金数据, 对所述医疗保险基金数据进行筛选和格 式转换处理, 并将处理后的医疗保险基金数据存储至第一数据存储库 中; 医疗保险基金精算模块, 用于从第一数据存储库中获取医疗保险 基金数据, 对获取的医疗保险基金数据进行预测精算得到医疗保险基 金数据的预测精算结果, 并将所述预测精算结果传送至第二数据存储 库进行存储; 预测结果输出模块, 用于从所述第二数据存储库中获取 预测精算结果, 将所述预测精算结果与预设范围进行比较, 当所述预 测精算结果超出预设范围吋, 产生报警信息并将所述预测精算结果和 报警信息显示在所述云服务器的显示器上。
[权利要求 2] 如权利要求 1所述的医疗保险基金精算预警系统, 其特征在于, 所述 医疗保险基金处理模块包括: 数据抽取子模块, 用于接收从智能终端 输入的医疗保险关键字, 并根据所述医疗保险关键字从所述医疗保险 数据库系统中抽取医疗保险基金数据; 数据筛选子模块, 用于将所述 医疗保险基金数据进行筛选并剔除冗余数据; 数据转换子模块, 用于 将处理后的医疗保险基金数据进行格式转换成预定格式, 并将转换后 的医疗保险基金数据传送至所述第一数据存储库中存储。
[权利要求 3] 如权利要求 1所述的医疗保险基金精算预警系统, 其特征在于, 所述 医疗保险基金精算模块包括: 数据导入子模块, 用于从第一数据存储 库中获取医疗保险基金数据并从医疗保险信息系统中获取医疗保险信 息, 以及从精算模型库中调用精算模型并从精算方法库中调用精算方 法; 预测精算子模块, 用于利用所述精算模型和精算方法对医疗保险 基金数据进行预测精算得到预测精算结果, 并将预测精算结果存储在 所述第二数据存储库。
[权利要求 4] 如权利要求 1所述的医疗保险基金精算预警系统, 其特征在于, 所述 预测结果输出模块还用于当所述预测精算结果超出预设范围吋, 输出 控制指令以控制所述云服务器的报警器发出报警信息, 以及当所述预 测精算结果未超出预设范围吋将医疗保险基金数据的预测精算结果发 送至医疗保险基金监督人员的智能终端进行实吋监测预设区域内的医 疗保险基金数据。
[权利要求 5] —种医疗保险基金精算预警方法, 应用于云服务器中, 所述云服务器 连接至医疗保险数据库系统, 其特征在于, 该方法包括: 步骤 S1 : 从 所述医疗保险数据库系统中抽取医疗保险基金数据, 对所述医疗保险 基金数据进行筛选和格式转换处理, 并将处理后的医疗保险基金数据 存储至第一数据存储库中; 步骤 S2: 从第一数据存储库中获取医疗保 险基金数据, 对获取的医疗保险基金数据进行预测精算得到医疗保险 基金数据的预测精算结果, 并将所述预测精算结果传送至第二数据存 储库进行存储; 步骤 S3: 从所述第二数据存储库中获取预测精算结果 , 将所述预测精算结果与预设范围进行比较, 当所述预测精算结果超 出预设范围吋, 产生报警信息并将所述预测精算结果和报警信息显示 在所述云服务器的显示器上。
[权利要求 6] 如权利要求 5所述的医疗保险基金精算预警方法, 其特征在于, 所述 步骤 S1包括步骤: 接收从智能终端输入的医疗保险关键字, 并根据所 述医疗保险关键字从所述医疗保险数据库系统中抽取医疗保险基金数 据; 将所述医疗保险基金数据进行筛选并剔除冗余数据; 将处理后的 医疗保险基金数据进行格式转换成预定格式, 并将转换后的医疗保险 基金数据传送至所述第一数据存储库中存储。
[权利要求 7] 如权利要求 5所述医疗保险基金精算预警方法, 其特征在于, 所述步 骤 S2包括步骤: 从第一数据存储库中获取医疗保险基金数据, 并从医 疗保险信息系统中获取医疗保险信息; 从精算模型库中调用精算模型 并从精算方法库中调用精算方法; 利用所述精算模型和精算方法对医 疗保险基金数据进行预测精算得到预测精算结果, 并将预测精算结果 存储在所述第二数据存储库。
[权利要求 8] 如权利要求 7所述的医疗保险基金精算预警方法, 其特征在于, 所述 医疗保险信息包括单位缴费率、 划入个人账户比例及对缴费工资的设 定、 通货膨胀率、 银行定期利率、 地区出生率、 死亡率和就业率。
[权利要求 9] 如权利要求 5所述的医疗保险基金精算预警方法, 其特征在于, 该方 法还包括步骤: 当所述预测精算结果超出预设范围吋, 输出控制指令 以控制所述云服务器的报警器发出报警信息; 当所述预测精算结果未 超出预设范围吋, 将医疗保险基金数据的预测精算结果发送至医疗保 险基金监督人员的智能终端进行实吋监测预设区域内的医疗保险基金 数据。
[权利要求 10] 如权利要求 5所述的医疗保险基金精算预警方法, 其特征在于, 所述 医疗保险基金数据包括每月的缴费人数和缴费基数, 以及每月的参保 人员住院报销和疾病报销资金数据。
PCT/CN2016/104130 2016-03-10 2016-10-31 医疗保险基金精算预警系统及方法 WO2017152637A1 (zh)

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