WO2019127848A1 - 核保方法、核保装置、核保设备及存储介质 - Google Patents

核保方法、核保装置、核保设备及存储介质 Download PDF

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Publication number
WO2019127848A1
WO2019127848A1 PCT/CN2018/075212 CN2018075212W WO2019127848A1 WO 2019127848 A1 WO2019127848 A1 WO 2019127848A1 CN 2018075212 W CN2018075212 W CN 2018075212W WO 2019127848 A1 WO2019127848 A1 WO 2019127848A1
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Prior art keywords
health
insured
underwriting
information
insurance product
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PCT/CN2018/075212
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English (en)
French (fr)
Inventor
谌弯
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平安科技（深圳）有限公司
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Publication of WO2019127848A1 publication Critical patent/WO2019127848A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of insurance technology, and in particular, to a nuclear protection method, a nuclear protection device, a nuclear protection device, and a storage medium.
  • the current health insurance underwriting mainly judges whether the customer is qualified according to the presence or absence of the disease.
  • the level of this evaluation model is single. As long as the applied client has had a health abnormality, it will directly refuse the insurance and cannot reflect the difference. Most of the potential customers are refused insurance, resulting in customer churn and reduced premiums. For example, when the existing health insurance products are underwritten, they are all refusal to cataract patients, but in fact, cataract patients can be insured after one year of recovery. .
  • the main purpose of the present application is to provide a method of underwriting, which aims to improve the diversity of online underwriting.
  • the underwriting method proposed by the present application is applied to a server, and the underwriting method includes the following steps:
  • the method further includes:
  • the method further includes:
  • the step of the insured person selecting the insurance instruction generated by the health insurance product, and pushing the multi-level multi-level health assessment model page corresponding to the selected health insurance product to the applicant according to the insurance instruction includes:
  • the information entry page for insured health information required for collecting the selected health insurance product is pushed to the applicant according to the multi-level multi-joy health assessment model.
  • the underwriting method further includes:
  • the step of generating a policy or a customer notice according to the verification result, and feeding back the policy or the customer notice to the policyholder includes:
  • a customer notification form is generated, the customer notification form is fed back to the applicant, and the insured's health information is cleared.
  • the step of generating a policy or a customer notice according to the verification result, and feeding back the policy or the customer notice to the policyholder further includes:
  • the health information of the insured is cleared when the abandonment command is received or the feedback information is not received within the preset duration.
  • Another object of the present application is to provide a underwriting device comprising:
  • a pushing module configured to receive an insurance instruction generated by the insured person to select a health insurance product, and push the multi-level multi-level health assessment model page corresponding to the selected health insurance product to the insured according to the insurance instruction;
  • the underwriting module is configured to receive the insured's health information input by the applicant according to the multi-level multi-connection health assessment model page, and call the underwriting policy corresponding to the selected health insurance product to verify the health information.
  • the application further proposes a underwriting device comprising a memory, a processor, and a underwriting program stored in the memory and operable on the processor, the underwriting program being executed by the processor.
  • the present application also proposes a storage medium storing a core guarantee program that, when executed by a processor, implements the steps of the underwriting method as described above.
  • the underwriting method, underwriting device, underwriting device and storage medium of the present application are used by an insured person to purchase a health insurance product through a related website or an online platform at a terminal, and the specific operation is: receiving insurance coverage generated by the insured person selecting a health insurance product. Directing, according to the insurance instruction, pushing the multi-level multi-connection health assessment model page corresponding to the selected health insurance product to the policyholder, and receiving the health information of the insured according to the multi-level multi-join health assessment model page. And verifying the health information by calling the underwriting rules corresponding to the selected health insurance products.
  • the underwriting method collects the insured's health information according to the multi-level multi-connection health assessment model corresponding to the health insurance product selected by the insured, and guides the insured to input the health insurance information corresponding to the underwriting policy corresponding to the selected health insurance product, different
  • the insured's evaluation model has different levels and reflects the differentiation between different policyholders, which improves the difference in online underwriting.
  • FIG. 1 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application
  • FIG. 2 is a flow chart of a first embodiment of a method for guaranteeing a load of the present application
  • FIG. 3 is a flow chart of a second embodiment of the method for guaranteeing the present application.
  • FIG. 5 is a flowchart of a fourth embodiment of the method for guaranteeing the application of the present application
  • FIG. 6 is a refinement process of a multi-level multi-connection health assessment model page corresponding to a health insurance product selected by an insured person in accordance with the insured instruction according to the embodiment of the present application. Figure.
  • the main solution of the embodiment of the present application is: when receiving the insurance instruction generated by the applicant for selecting the health insurance product, pushing the multi-level multi-connection health assessment model page corresponding to the selected health insurance product to the applicant according to the insurance instruction. And receiving the health information of the insured according to the multi-level multi-connection health assessment model page, and invoking the underwriting rules corresponding to the selected health insurance product to verify the health information.
  • the underwriting method collects the insured's health information according to the multi-level multi-connection health assessment model corresponding to the health insurance product selected by the insured, and guides the insured to input the health insurance information corresponding to the underwriting policy corresponding to the selected health insurance product, different
  • the insured's evaluation model has different levels and reflects the differentiation between different policyholders, which improves the difference in online underwriting.
  • FIG. 1 is a schematic structural diagram of a hardware operating environment of a nuclear protection device according to the present application.
  • the underwriting device 100 includes a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, and a memory 1005. Connection communication between these components can be achieved via a communication bus.
  • the network interface 1004 can optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the device for purchasing insurance through the website docking may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio Frequency
  • FIG. 1 does not constitute a limitation on the underwriting device 100, and may include more or less components than those illustrated, or combine some components, or different component arrangements. .
  • an operating system As shown in FIG. 1, an operating system, a network communication module, and a underwriting program may be included in the memory 1005 as a storage medium.
  • the operating system is a program for managing and controlling the docking terminal and software resources through the website, and supports the operation of the network communication module, the underwriting program, and other programs or software; the network communication module is used to manage and control the network interface 1004.
  • the network interface 1004 is mainly used to connect to a database and perform data communication with the database;
  • the user interface 1003 is mainly used to connect a client (which can be understood as a client) and perform data communication with the client.
  • the information is displayed to the client through the window, or the operation information sent by the client is received; and the processor 1001 can be used to execute the underwriting program stored in the memory 1005 to implement the steps in the following embodiment of the underwriting method.
  • the embodiment of the present application further provides a core guarantee method.
  • FIG. 2 is a flowchart of a first embodiment of the underwriting method of the present application.
  • the underwriting method includes the following steps:
  • the underwriting method is mainly used for verifying the insurance information input by the applicant in the underwriting device, and the steps of the underwriting method mainly depend on the execution of the server, and the server is mainly configured to be sold in the network of health insurance products.
  • the website or the online insurance platform in the specific implementation, the steps of the underwriting method may also be performed on the health insurance product network sales website or the user terminal of the online insurance platform.
  • the specific operation is: receiving basic information of the insured, the basic information includes the insured's age, gender, work nature, working environment, etc., after receiving the basic information, the underwriting equipment according to each health insurance product The underwriting conditions match the basic information, and then recommend the health insurance product that matches the basic information of the insured, and feed back to the policyholder to display the health insurance product on the display interface of the insurance terminal, thereby facilitating the insurance People browse and selectively insure.
  • the insured can also input the basic information of the insured without first entering the insured's basic information.
  • the insured can directly browse the list of health insurance products provided by the health insurance product online sales website or the online insurance platform, and select the desired one from the list.
  • the insured's basic information entry interface can also be fed back.
  • the applicant can select a health insurance product for online insurance after browsing, or the applicant can directly select the health insurance product.
  • the health insurance product required generates a corresponding insurance instruction after detecting the health insurance product selected by the applicant, and sends the insurance instruction to the underwriting terminal or server, and the underwriting terminal or the server obtains the corresponding health insurance accordingly.
  • the evaluation model page is used for collecting the insured health information and guiding the insured to input the insured's health information required for the selected health insurance product, when the server pushes the multi-level multi-modal health assessment model page to the insured. It is not limited to a pre-set information entry page for collecting insured person fixed information, and the multi-level multi-joining
  • the Kang evaluation model is based on health basic items and risk items. It considers the combination of various basic health items and dangerous items.
  • the current collection can be based on the underwriting rules corresponding to the health insurance products.
  • the information input page pushed to the terminal is dynamically adjusted.
  • the basic health items include diseases, injuries, mental health, and the like, and the dangerous items include the nature of the work of the insured, the working environment, and personal habits.
  • the information entry page for collecting the insured's health information is pushed to the policyholder, the item that accurately inputs the insured's health information and the insurer can enjoy the claim exemption when the principle of good faith is violated may also be output.
  • Information includes disease information, medical information, and rehabilitation information.
  • S20 The insured person receives the health information of the insured according to the multi-level multi-connection health assessment model page, and invokes the underwriting rules corresponding to the selected health insurance product to verify the health information.
  • the insured when the insured enters the insured's health information required for the selected health insurance product according to the multi-level multi-join health assessment model page pushed by the multi-level multi-join health assessment model corresponding to the selected health insurance product.
  • the method further includes:
  • S30 Generate a policy or a customer notice according to the verification result, and feed back the policy or the customer notice to the policyholder.
  • the terminal when the insured enters the insured's health information required for the selected health insurance product according to the multi-level multi-connection health assessment model page, the terminal sends the real-time learned health information to the server or the underwriting device. After receiving the health information, the server or the underwriting device determines whether the health information meets the insurance condition according to the underwriting rules corresponding to the selected health insurance product, and the health information of the insured person to be collected is real-time. Send to the server for verification.
  • a policy is generated, and the server feeds the policy back to the terminal where the insured is located, and saves the insured's health information;
  • a customer notification form is generated, and the server feeds the customer notification slip to the terminal where the insured is located, and clears the insured's health information;
  • the matching rate between the insurer's health information and the underwriting policy corresponding to the selected health insurance product reaches a preset value, the health insurance product that matches the insured's health information is recommended, or the currently selected health insurance product may When the fairness between the two is achieved by the agreed additional conditions, additional conditions may be agreed for the currently selected health insurance products, such as raising premiums, etc., and the health insurance products or additional conditions matching the health information are fed back to the insurance.
  • the terminal where the person is located displays it on the display interface for the policyholder to make a decision, when the policyholder agrees to re-match the health insurance Confirm product instructions or additional conditions for when the selected health insurance products, the terminal will get to send to the server, the server will generate policy back to the terminal to complete the online application.
  • the terminal sends the obtained abandonment command to the server or does not give any feedback, the server
  • the abandonment instruction is received or the feedback information is not received within the preset time period
  • the generated customer notification form is fed back to the terminal, and the online insurance is ended.
  • the underwriting method of the embodiment pushes the multi-level multi-join health for collecting the insured person's health information to the terminal or the underwriting terminal where the insured person is located according to the multi-level multi-connection health assessment model corresponding to the health insurance product selected by the insured.
  • the evaluation model page guides the insured to input the health information required for the underwriting policy corresponding to the selected health insurance product, and generates a policy or a customer notification form to feedback to the terminal according to the verification result, thereby avoiding a single level of the evaluation model and not reflecting the difference, The situation that most potential customers are denied insurance increases the difference and accuracy of online underwriting.
  • the method before the step S10, the method further includes:
  • S40 Receive basic information of the insured input by the applicant, and recommend matching health insurance products to the applicant according to the basic information.
  • the insured directly inputs the insured in the information input box of the display interface of the terminal.
  • Basic information or when the insured enters the basic information of the insured into the information entry box by means of the peripheral connected to the terminal, the terminal knows the basic information of the insured input by the applicant in the information entry box, And transmitting the basic information to the underwriting terminal or the server, and after receiving the basic information, the underwriting terminal or the server matches the basic information according to the underwriting conditions of each health insurance product, and then recommends and the insured
  • the basic information matches the health insurance product and is fed back to the terminal where the insured is located to display the health insurance product on the display interface of the terminal, which is convenient for the applicant to browse and select, the basic information including the age of the insured , gender, nature of work and working environment.
  • the health insurance product displayed on the terminal-based display interface that matches the basic information of the insured the insured can browse or select a health insurance product for online insurance, when detecting a selection operation for a certain health insurance product
  • the health insurance product selected by the policyholder to be insured is sent to the underwriting terminal or server.
  • the underwriting terminal or the server After receiving the insurance instruction generated by the policyholder selecting the health insurance product, the underwriting terminal or the server corresponds to the multi-level corresponding to the selected health insurance product.
  • the multi-connection health assessment model pushes an information entry page for collecting insured person health information to the terminal, and displays the information entry page on the display interface of the terminal to guide the insured to input the insured person required for the health insurance product.
  • the health information avoids the traditional platform to collect all the personal information according to the fixed evaluation model and then converts it into computer language for underwriting. It does not reflect the differentiation, which leads to some potential customers being rejected and resulting in customer loss.
  • the method further includes:
  • the terminal is configured with a browser or an online insurance platform client.
  • the terminal When the applicant enters the address of the health insurance product network sales website in the browser, or starts the online insurance platform client, the terminal The insurance instruction is generated according to the above operation, and the insurance instruction is sent to a background server or a website server of the health insurance network sales website, or to a server supporting the online insurance platform, so that the server agrees to the connection admission request, the server After receiving the insurance instruction, the access verification is performed.
  • the server agrees to the connection admission request the information collection page for inputting the identity information of the applicant is fed back to the terminal where the applicant is located to verify the identity information of the applicant.
  • the terminal collects the information collection page after receiving the information collection page. Displayed on the display interface of the terminal.
  • S60 Receive the applicant's identity information input by the policyholder, and when the identity information passes the verification, feed back to the policyholder an information entry box for collecting the basic information of the insured.
  • the prompt for the insured to input the relevant identity information may also be output, and the prompt may be a text prompt or a voice prompt, and the applicant may use the information based on the prompt.
  • the collection page inputs related identity information, such as age, behavioral ability, relationship with the insured, the nature of the work, etc., and the terminal obtains the information collection by the insured when the insured enters the relevant identity information into the information collection page.
  • the identity information of the page is sent to the health insurance network sales website server or the online insurance platform server for verification, and the server performs the age and behavioral ability verification after receiving the identity information, when the identity information of the policyholder passes At the time of verification, that is, the server determines that the applicant has full behavior, and feeds back to the terminal an information input box for collecting the basic information of the insured, and after receiving the information input box, the terminal displays the information input box in the Display interface, and output the insured in the information input box input
  • the basic information of the insured person may input the basic information of the insured to the information input box based on the prompt, and the terminal collects the basic information of the insured input by the insured to the information input box, Send it to the server or underwriting device.
  • step S10 includes:
  • a multi-level multi-associated health assessment model is first constructed according to a health basic item and a dangerous item, and the health basic item includes a disease, an injury, a mental health degree, and the like, and the dangerous item generally refers to the work of the insured. Nature, work environment, personal habits, etc., and then based on the health information required by the underwriting rules corresponding to health insurance products to construct a mapping relationship between health insurance products and multi-level multi-level health assessment models, and save to the database.
  • the server When the applicant selects a certain health insurance product, and the server receives the selection information for the health insurance product sent by the terminal, the multi-level multi-connection health assessment model corresponding to the selected health insurance product in the database is invoked.
  • S13 Push an information entry page of the insured person's health information required for collecting the selected health insurance product to the policyholder according to the multi-level multi-connection health assessment model.
  • the information entry page of the insured person's health information required for the selected health insurance product is pushed to the terminal where the insured person is located based on the multi-level multi-connection health assessment model to obtain the insured's health information including the health basic items and the dangerous items.
  • the main categories of shunt are eyes, ears, nose, mouth, limbs, liver, Heart, spleen, stomach, etc., when classified according to the medical department, are divided into internal medicine, surgery, otolaryngology, ophthalmology, etc.
  • the health information required for each organ is evaluated according to the classified categories.
  • the model then builds a multi-level, multi-connected health assessment model at the classification level.
  • the insurance prohibition rule for the organ is preferentially popped up, for example, the direct refusal of the glaucoma patient is prescribed for the eye organ, but the cataract patient may further configure the healing time of the cataract patient as a satisfaction.
  • the underwriting conditions for health insurance products that is, when the insured's cataract has been cured for more than one year, it can be insured. When the insured's cataract has not recovered for more than one year, it can directly respond to the cataract. Guarantee.
  • the step of generating a policy or a customer notice according to the verification result, feeding the policy or the customer notice to the policyholder, and correspondingly saving or clearing the insured's health information includes:
  • a customer notification form is generated, the customer notification form is fed back to the applicant, and the insured's health information is cleared.
  • the terminal sends the health information to the server in real time, and the server invokes the underwriting rules corresponding to the selected health insurance product.
  • the health information of the insured received by the server in real time is verified.
  • the insured is refused insurance, and a customer notification form is generated, and the customer informs
  • the health information of the insured includes the insured's basic information, the insured's basic information, the insured's identity information, the health insurance product information, and the health information items and reporting basis that do not meet the underwriting rules.
  • the insured's health information is not
  • the underwriting rules corresponding to the selected health insurance products refer to the underwriting conditions in which the insured's health information does not meet the underwriting rules, or the insured's health information does not meet the mandatory requirements of the underwriting rules.
  • the server feeds back the generated customer notification slip to the terminal where the applicant is located, and clears or saves the cached insured's health information for a preset period of time.
  • the insurance policy can be directly generated and further cached online to form an electronic policy feedback to the terminal where the insured is located, and the insured will sign and confirm.
  • the paper piece of the policy can be mailed to the policyholder for signature confirmation, and then the signed document can be uploaded to the health insurance product online sales website or the account opened by the online insurance platform for preservation.
  • the step of generating a policy or a customer notice according to the verification result, feeding back the policy or the customer notice to the policyholder, and correspondingly saving or clearing the insured's health information further includes:
  • the health information of the insured is cleared when the abandonment command is received or the feedback information is not received within the preset duration.
  • the multi-level multi-connection pushed to the policyholder can be updated in real time according to different health information.
  • the health assessment model page, and the number of times approved according to the insured's health information can also reflect the amount of health information of the insured input by the insured, and then determine the degree of matching between the health information and the underwriting rules, ie, the matching rate.
  • recommending a health insurance product that matches the insured based on the health information of the insured, or the currently selected health insurance product may be implemented by an agreed additional condition
  • additional conditions may be agreed for the currently selected health insurance products, such as raising premiums, etc., and the health insurance products or additional conditions matching the health information are fed back to the terminal, and the terminal displays them on the display interface for insurance.
  • the person makes a choice when the policyholder agrees to re-match the health insurance product or the additional conditions for the selected health insurance product ,
  • the terminal of the acquired confirmation command sent to the server, the policy server will generate the feedback to the terminal, to complete the online application.
  • the terminal sends the obtained abandonment command to the server or does not give any feedback, the server
  • the abandonment instruction is received or the feedback information is not received within the preset time period
  • the generated customer notification form is fed back to the terminal, and the online insurance is ended.
  • the health insurance product network sales website operator or the online insurance platform operator should inform the insured when browsing the health insurance product.
  • the rights and obligations of the health insurance product in order to ensure the cleanliness and operability of the terminal display interface, in order to improve the efficiency of insurance underwriting, the rights and obligations of the insured person corresponding to each health insurance product are presented in a hidden manner. That is, only when the insured sends a browsing request for a health insurance product, the rights and obligations corresponding to the health insurance product will be presented, specifically: when receiving the browsing request for the health insurance product, feedback to the terminal Select the insurance conditions, underwriting process, underwriting conditions and claims rules corresponding to the health insurance products.
  • the terminal After receiving the insurance conditions, underwriting process, underwriting conditions and claims rules, the terminal will select the health insurance products to be viewed and the insurance policies. Conditions, underwriting procedures, underwriting conditions and claims rules are displayed on the display interface to facilitate the insured Inform the relevant information, improve the efficiency of insurance underwriting.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • the embodiment of the present application further provides a core guarantee device, where the underwriting device includes:
  • a pushing module configured to receive an insurance instruction generated by the insured person to select a health insurance product, and push the multi-level multi-level health assessment model page corresponding to the selected health insurance product to the insured according to the insurance instruction;
  • the underwriting module is configured to receive the insured's health information input by the applicant according to the multi-level multi-connection health assessment model page, and call the underwriting policy corresponding to the selected health insurance product to verify the health information.
  • the underwriting device further includes:
  • the recommendation module is configured to receive basic information of the insured input by the applicant, and recommend the matched health insurance product to the applicant according to the basic information.
  • the underwriting device further includes:
  • a first feedback module configured to: when detecting that the policyholder performs the preset insurance action, feed back to the policyholder an information collection page for inputting the identity information of the applicant;
  • the second feedback module is configured to receive the policyholder identity information input by the policyholder, and feed back to the policyholder an information entry box for collecting the basic information of the insured when the identity information is verified.
  • the pushing module further includes:
  • mapping relationship construction unit configured to construct a mapping relationship between the health insurance product and the multi-level multi-connection health assessment model based on the health information in the underwriting rules corresponding to the health insurance product;
  • the calling unit is configured to, when receiving the insurance instruction generated by the policyholder selecting the health insurance product, invoking the multi-level multi-connection health assessment model corresponding to the selected health insurance product in the database according to the mapping relationship;
  • a pushing unit configured to push, to the policy holder, an information entry page for collecting insured health information required for the selected health insurance product according to the multi-level multi-join health assessment model.
  • the underwriting device further includes:
  • the result output module is configured to generate a policy or a customer notice according to the verification result, and feed back the policy or the customer notice to the policyholder.
  • a customer notification form is generated, the customer notification form is fed back to the applicant, and the insured's health information is cleared.
  • result output module is further configured to:
  • the health information of the insured is cleared when the abandonment command is received or the feedback information is not received within the preset duration.
  • the present application also provides a storage medium storing one or more programs that, when executed by one or more processors, implement the steps in various embodiments of the underwriting method as described above.

Abstract

一种核保方法，包括：接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面（S10）；接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定（S20）。所述方法根据投保人选择的健康险产品对应的多级多联健康评估模型采集被保险人健康信息，引导投保人输入所选健康险产品对应的核保规则需要核定的健康信息，提高了在线核保时的差异性。

Description

核保方法、核保装置、核保设备及存储介质
本申请要求于2017年12月28日提交中国专利局、申请号为201711470789.7、申请名称为“核保方法、核保装置、核保设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及保险技术领域，尤其涉及一种核保方法、核保装置、核保设备及存储介质。
背景技术
现有基于互联网进行保险产品的网络销售时，一般都是直接向所有客户提供平台预先制作好的评估模型，在客户根据所述评估模型填写个人信息后，平台将所述个人信息转换成计算机语言并按照设置好的核保规则进行核保。
但是，目前的健康险核保主要通过疾病的有无进行客户是否适格的判断，这种评估模型的层次单一，只要申请的客户有过健康异常情况就直接拒保，不能体现差异化，导致很大部分的潜在客户被拒保，造成客户流失和保费减少，比如现有健康险产品核保时对白内障患者一律是拒保的，但实际上白内障患者在痊愈一年以后是可以进行投保的。
发明内容
本申请的主要目的在于提供一种核保方法，旨在提高在线核保的差异性。
为实现上述目的，本申请提出的核保方法，应用于服务器，该核保方法包括以下步骤：
接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
进一步地，在接收投保人选择健康险产品所产生的投保指令的步骤之前，还包括：
接收投保人输入的被保险人的基本信息，并根据所述基本信息向投保人推荐匹配的健康险产品。
进一步地，在接收投保人输入的被保险人的基本信息的步骤之前，还包括：
当检测到投保人执行预设投保动作时，向投保人反馈用于输入投保人身份信息的信息采集页面；
接收投保人输入的投保人身份信息，并在所述身份信息通过验证时，向投保人反馈用于采集被保险人基本信息的信息录入框。
进一步地，所述接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面的步骤，包括：
基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
接收投保人选择健康险产品所产生的投保指令，并根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
进一步地，所述核保方法还包括：
根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
进一步地，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，包括：
当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
进一步地，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，还包括：
根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
当接收到投保人的确认指令时，生成对应的保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
本申请的另一目的在于提出一种核保装置，该核保装置包括：
推送模块，用于接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
核保模块，用于接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
本申请进一步提出一种核保设备，该核保设备包括存储器、处理器及存储在所述存储器并可在所述处理器上运行的核保程序，所述核保程序被所述处理器执行时实现如上所述的核保方法的步骤。
本申请还提出一种存储介质，该存储介质存储有核保程序，所述核保程序被处理器执行时实现如上所述的核保方法的步骤。
本申请的核保方法、核保装置、核保设备及存储介质，用于投保人在终端通过相关网站或在线平台购买健康险产品，具体操作为：接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面，接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。该核保方法根据投保人选择的健康险产品对应的多级多联健康评估模型采集被保险人健康信息，引导投保人输入所选健康险产品对应的核保规则需要核定的健康信息，不同的被保险人评估模型层次不同、体现不同投保人之间的差异化，提高了在线核保时的差异性。
附图说明
为了更清楚地说明本申请实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图示出的结构获得其他的附图。
图1为本申请实施例方案涉及的硬件运行环境的设备结构示意图；
图2为本申请核保方法第一实施例的流程图；
图3为本申请核保方法第二实施例的流程图；
图4为本申请核保方法第三实施例的流程图；
图5为本申请核保方法第四实施例的流程图
图6为本申请实施例中接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面的细化流程图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例的主要解决方案是：当接收到投保人选择健康险产品所产生的投保指令时，根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面，接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。该核保方法根据投保人选择的健康险产品对应的多级多联健康评估模型采集被保险人健康信息，引导投保人输入所选健康险产品对应的核保规则需要核定的健康信息，不同的被保险人评估模型层次不同、体现不同投保人之间的差异化，提高了在线核保时的差异性。
参照图1，图1为本申请的核保设备的硬件运行环境的结构示意图。
如图1所示，该核保设备100包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005。这些组件之间的连接通信可以通过通信总线实现。网络接口1004可选的可以包括标准的有线接口（用于连接有线网络）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于连接无线网络）。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（例如用于连接有线键盘、有线鼠标等）和/或无线接口（例如用于连接无线键盘、无线鼠标）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，该通过网站对接购买保险的设备还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。
本领域技术人员可以理解，图1中示出的硬件结构并不构成对核保设备100的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图1所示，作为一种存储介质的存储器1005中可以包括操作系统、网络通信模块、及核保程序。其中，操作系统是管理和控制通过网站对接终端与软件资源的程序，支持网络通信模块、核保程序以及其他程序或软件的运行；网络通信模块用于管理和控制网络接口1004。
在图1所示的核保设备100中，网络接口1004主要用于连接数据库，与数据库进行数据通信；用户接口1003主要用于连接客户端（可以理解为用户端），与客户端进行数据通信，如通过窗口展示信息给客户端，或者接收客户端发送的操作信息；而处理器1001可以用于执行存储器1005中存储的核保程序，以实现本申请以下核保方法实施例中的步骤。
本申请实施例进一步提出一种核保方法。
参照图2，图2为本申请的核保方法第一实施例的流程图。
在本实施例中，该核保方法包括以下步骤：
S10：接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
在本实施例中，该核保方法主要用于对投保人在核保设备输入的投保信息进行核定，该核保方法的步骤主要依赖于服务器执行，所述服务器主要配置于健康险产品网络销售网站或在线投保平台，，具体实施中该核保方法的步骤也可以在健康险产品网络销售网站或在线投保平台的用户终端执行。
具体的操作为：接收被保险人的基本信息，所述基本信息包括被保险人的年龄、性别、工作性质、工作环境等，核保设备在接收到所述基本信息后，根据各健康险产品的承保条件对所述基本信息进行匹配，然后推荐与被保险人的基本信息匹配的健康险产品，并反馈给投保人，以将所述健康险产品显示于投保终端的显示界面，进而方便投保人进行浏览和选择性地进行投保。当然在实际运行过程中投保人也可以不先输入被保险人的基本信息，投保人可以直接浏览健康险产品网络销售网站或在线投保平台提供的健康险产品的列表，从该列表中选择自己想要的健康险产品。在更多的实施例中在投保人在健康险产品的列表中选择自己想要的健康险产品后，还可以反馈被保险人的基本信息录入界面。
基于投保终端或核保终端的显示界面显示的健康险产品，投保人可以在浏览后选择某一健康险产品进行在线投保，或者投保人也可以在了解所述健康险产品的情况下直接选择所需的健康险产品，在检测到投保人选择的健康险产品后生成相应的投保指令，并将所述投保指令发送给核保终端或服务器，核保终端或服务器相应地获取针对所述健康险产品的选择信息，然后调用与所选健康险产品对应的多级多联健康评估模型向投保人所在的投保终端或核保终端推送多级多联健康评估模型页面，所述多级多联健康评估模型页面用于采集被保险人健康信息，并引导投保人输入所选健康险产品所需的被保险人的健康信息，在服务器向投保人推送所述多级多联健康评估模型页面时，并不局限于预先设置好的用于采集被保险人固定信息的信息录入页面，所述多级多联健康评估模型基于健康基本项目和危险事项构建，考虑了各种健康基本项目和危险事项的组合，在采集被保险人的健康信息的过程中，可以根据健康险产品对应的核保规则对当前采集的健康信息进行核定后，动态调整向终端推送的信息录入页面， 以采集健康险产品对应的核保规则所需的待核定的健康信息。所述健康基本项目包括疾病、伤病、心理健康程度等，所述危险事项包括被保险人的工作性质、工作环境、个人习惯等。此外，在向投保人推送用于采集被保险人健康信息的信息录入页面时，还可以输出准确输入被保险人健康信息并在违反诚实信用原则时保险人能够享受理赔豁免的事项，所述健康信息包括疾病信息、诊疗信息和康复信息等。
S20：接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
在本实施例中，当投保人根据所选健康险产品对应的多级多联健康评估模型推送的多级多联健康评估模型页面输入所选健康险产品所需的被保险人的健康信息时，将获知的健康信息发送至服务器或核保设备，服务器或核保设备在接收到所述健康信息后，根据所选健康险产品对应的核保规则对所述健康信息作出是否满足承保条件的判断，即将采集到的被保险人的健康信息实时发送至服务器进行核定。
进一步地，在第二实施例中，所述步骤S20之后，还包括：
S30：根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
在本实施例中，当投保人根据多级多联健康评估模型页面输入所选健康险产品所需的被保险人的健康信息时，终端会将实时获知的健康信息发送至服务器或核保设备，服务器或核保设备在接收到所述健康信息后，根据所选健康险产品对应的核保规则对所述健康信息作出是否满足承保条件的判断，即将采集到的被保险人的健康信息实时发送至服务器进行核定。当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，服务器将所述保单反馈给投保人所在的终端，并对被保险人的健康信息进行保存；当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，服务器将所述客户告知单反馈给投保人所在的终端，并将被保险人的健康信息清除；当被保险人的健康信息与所选健康险产品对应的核保规则的匹配率达到预设值时，基于被保险人的健康信息推荐与之匹配的健康险产品，或者在当前所选健康险产品可以以约定附加条件来实现二者之间的公平时，也可以针对当前所选健康险产品约定附加条件，如提高保费等，并将与所述健康信息匹配的健康险产品或附加条件反馈给投保人所在的终端，终端将其显示于显示界面以供投保人进行抉择，当投保人同意重新匹配的健康险产品或针对所选健康险产品的附加条件时，终端将获取到的确认指令发送给服务器，由服务器将生成的保单反馈给终端，完成此次在线投保。当投保人不同意重新匹配的健康险产品或针对所选健康险产品的附件条件或在预设时长内不做任何反馈时，终端将获取到的放弃指令发送给服务器或者不做任何反馈，服务器在接收到所述放弃指令或在预设时长内未接收到反馈信息时，将生成的客户告知单反馈给终端，结束此次在线投保。
本实施例的核保方法通过根据投保人选择的健康险产品对应的多级多联健康评估模型向投保人所在的终端或核保终端推送用于采集被保险人健康信息的多级多联健康评估模型页面，引导投保人输入所选健康险产品对应的核保规则需要核定的健康信息，并根据核定结果生成保单或客户告知单反馈给终端，避免了评估模型层次单一、不能体现差异化、导致大部分潜在客户被拒保的情况，提高了在线核保时的差异性和准确度。
进一步地，在第三实施例中，所述步骤S10之前，还包括：
S40：接收投保人输入的被保险人的基本信息，并根据所述基本信息向投保人推荐匹配的健康险产品。
为了方便用户进行快速投保，避免投保人在看到过多的健康险产品时不知道如何进行选择，因此在本实施例中，在投保人直接在终端的显示界面的信息录入框输入被保险人的基本信息，或者投保人借助与终端连接的外设将被保险人的基本信息输入至所述信息录入框时，终端会获知投保人在所述信息录入框输入的被保险人的基本信息，进而将所述基本信息发送至核保终端或服务器，核保终端或服务器在接收到所述基本信息后，根据各健康险产品的承保条件对所述基本信息进行匹配，然后推荐与被保险人的基本信息匹配的健康险产品，并反馈给投保人所在的终端，以将所述健康险产品显示于终端的显示界面，便于投保人进行浏览和选择，所述基本信息包括被保险人的年龄、性别、工作性质及工作环境等。
基于终端的显示界面显示的与被保险人基本信息匹配的健康险产品，投保人可以进行浏览或选择某一健康险产品进行在线投保，当检测到针对某一所述健康险产品的选择操作时，将投保人选择进行投保的健康险产品发送至核保终端或服务器，核保终端或服务器在接收到投保人选择健康险产品所产生的投保指令后，根据所选健康险产品对应的多级多联健康评估模型向终端推送用于采集被保险人健康信息的信息录入页面，并将所述信息录入页面显示于终端的显示界面，以引导投保人输入该健康险产品所需的被保险人的健康信息，避免传统平台按照固定评估模型采集个人全部信息后转换成计算机语言进行核保，不能体现差异化，进而导致部分潜在客户被拒保，造成客户流失。
进一步地，在第四实施例中，所述步骤S40之前，还包括：
S50：当检测到投保人执行预设投保动作时，向投保人反馈用于输入投保人身份信息的信息采集页面；
在本实施例中，所述终端配置有浏览器或在线投保平台客户端，当投保人在所述浏览器输入健康险产品网络销售网站的地址，或启动所述在线投保平台客户端时，终端会根据上述操作生成投保指令，并将所述投保指令发送至健康险网络销售网站的后台服务器或网站服务器，或发送至支持所述在线投保平台的服务器，以期服务器同意该连接准入请求，服务器在接收到所述投保指令后进行准入验证，当服务器同意该连接准入请求时，向投保人所在的终端反馈用于投保人身份信息输入的信息采集页面，以验证投保人的身份信息，排除投保人为无行为能力人时造成保险合同无效或投保人为限制行为能力人时造成保险合同的效力待定时，降低核保效率，终端在接收到所述信息采集页面后，将所述信息采集页面显示于终端的显示界面。
S60：接收投保人输入的投保人身份信息，并在所述身份信息通过验证时，向投保人反馈用于采集被保险人基本信息的信息录入框。
在将所述信息采集页面显示于终端的显示界面时，还可以输出投保人输入相关身份信息的提示，该提示可以是文字提示也可以是语音提示，投保人可以基于所述提示在所述信息采集页面输入相关的身份信息，如年龄、行为能力、与被保险人的关系、工作性质等，终端在投保人将相关身份信息输入至所述信息采集页面时，获取投保人输入所述信息采集页面的身份信息，并将所述身份信息发送至健康险网络销售网站服务器或在线投保平台服务器进行验证，服务器在接收到所述身份信息后进行年龄和行为能力验证，当投保人的身份信息通过验证时，也即服务器判定投保人具有完全行为能力，向终端反馈用于采集被保险人基本信息的信息录入框，终端在接收到该信息录入框后，将所述信息录入框显示于所述显示界面，并输出投保人在所述信息录入框输入被保险人基本信息的提示，投保人可以基于所述提示将被保险人的基本信息输入至所述信息录入框，终端在采集到投保人输入至所述信息录入框的被保险人基本信息后，将其发送至服务器或核保设备。
进一步地，在第五实施例中，所述步骤S10，包括：
S11：基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
在本实施例中，首先根据健康基本项目和危险事项构建多级多关联健康评估模型，所述健康基本项目包括疾病、伤病、心理健康程度等，所述危险事项一般指被保险人的工作性质、工作环境、个人习惯等，然后基于健康险产品对应的核保规则中要求的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系，并保存至数据库。
S12：当接收到投保人选择健康险产品所产生的投保指令时，根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
当投保人选择某一健康险产品，且服务器接收到终端发送的针对所述健康险产品的选择信息时，调用数据库中与所选健康险产品对应的多级多联健康评估模型。
S13：根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
基于该多级多联健康评估模型向投保人所在的终端推送所选健康险产品所需的被保险人健康信息的信息录入页面，以获取被保险人的包括健康基本项目和危险事项的健康信息，以便于对被保险人的健康信息进行实时核定。如针对具体疾病、伤病按照器官或医学科室等进行分类，如根据病变器官进行疾病分流或根据损伤器官进行伤病分流时，分流的大类为眼、耳、鼻、口、四肢、肝、心、脾、胃等，当按照医学科室进行分类时，分为内科、外科、耳鼻喉科、眼科等，在选择分类标准之后，根据分出的类别分别将各个器官所需的健康信息构建评估模型，然后按照分类层级构建多级多联的健康评估模型。当用户选择为某一器官投保时，则优先弹出针对该器官的保险禁止性规定，例如针对眼器官规定针对青光眼患者直接拒保，但是针对白内障患者则可以进一步配置白内障患者的痊愈时间作为是否满足对应健康险产品的核保条件，即当被保险人的白内障已经痊愈1年以上时间，则可以进行投保，当被保险人的白内障的痊愈时间不超过1年，则可以直接针对该白内障疾病拒保。
进一步地，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人，并对应地保存或清除被保险人的健康信息的步骤，包括：
当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
在本实施例中，在投保人根据服务器推送的每一信息录入页面输入被保险人的健康信息后，终端将所述健康信息实时发送至服务器，服务器调用所选健康险产品对应的核保规则对服务器实时接收的被保险人健康信息进行核定，当被保险人的健康信息不符合所选健康险产品对应的核保规则时，对该投保人拒保，生成客户告知单，所述客户告知单包括被保险人的健康信息、被保险人的基本信息、投保人的身份信息、健康险产品信息、以及不符合核保规则的健康信息项和举报依据，所述被保险人的健康信息不符合所选健康险产品对应的核保规则是指在被保险人的健康信息全部不符合所述核保规则，或者被保险人的健康信息不符合核保规则强制要求的承保条件。进一步地，服务器将生成的客户告知单反馈给投保人所在的终端，并将缓存的被保险人的健康信息清除或保存预设时长后清除。当被保险人的健康信息符合所选健康险产品对应的核保规则时，则可以直接生成保单，并进一步进行在线缓存，形成电子保单反馈给投保人所在的终端，由投保人进行签字确认，此外还可以通过线下将保单的纸质件邮寄给投保人进行签字确认，然后将签字确认后的文档上传至健康险产品网络销售网站或在线投保平台开设的账户内进行保存。
进一步地，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人，并对应地保存或清除被保险人的健康信息的步骤，还包括：
根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
当接收到投保人的确认指令时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
在本实施例中，由于投保人所在的终端将获取的被保险人的健康信息实时推送至核保终端或服务器进行核定，从而可以根据不同的健康信息实时更新向投保人推送的多级多联健康评估模型页面，而根据被保险人的健康信息被核定的次数也能反映出投保人输入的被保险人的健康信息量，进而确定健康信息与核保规则之间的匹配程度，即匹配率，当所述匹配率处于预设阈值范围内时，基于被保险人的健康信息推荐与之匹配的健康险产品，或者在当前所选健康险产品可以以约定附加条件来实现二者之间的公平时，也可以针对当前所选健康险产品约定附加条件，如提高保费等，并将与所述健康信息匹配的健康险产品或附加条件反馈给终端，终端将其显示于显示界面以供投保人进行抉择，当投保人同意重新匹配的健康险产品或针对所选健康险产品的附加条件时，终端将获取到的确认指令发送给服务器，由服务器将生成的保单反馈给终端，完成此次在线投保。当投保人不同意重新匹配的健康险产品或针对所选健康险产品的附件条件或在预设时长内不做任何反馈时，终端将获取到的放弃指令发送给服务器或者不做任何反馈，服务器在接收到所述放弃指令或在预设时长内未接收到反馈信息时，将生成的客户告知单反馈给终端，结束此次在线投保。
此外，在向终端推送与被保险人基本信息匹配的健康险产品后，基于告知义务，健康险产品网络销售网站运营商或在线投保平台运营商应该在投保人浏览所述健康险产品时告知有关该健康险产品的权利和义务，为了保证终端显示界面的整洁性和可操作性，以提高投保核保效率，每一健康险产品对应的投保人的权益及义务均以隐藏的方式呈现，也即只有当投保人针对某一健康险产品发送浏览请求时，对应该健康险产品的权益和义务才会呈现，具体为：当接收到针对所述健康险产品的浏览请求时，向终端反馈所选健康险产品对应的投保条件、核保流程、承保条件及理赔规则，终端在接收到所述投保条件、核保流程、承保条件及理赔规则后，将选择浏览的健康险产品及所述投保条件、核保流程、承保条件及理赔规则显示于所述显示界面，以便于投保人浏览相关告知信息，提高投保核保效率。
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
本申请实施例进一步提出一种核保装置，该核保装置包括：
推送模块，用于接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
核保模块，用于接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
进一步地，所述核保装置还包括：
推荐模块，用于接收投保人输入的被保险人的基本信息，并根据所述基本信息向投保人推荐匹配的健康险产品。
进一步地，所述核保装置还包括：
第一反馈模块，用于当检测到投保人执行预设投保动作时，向投保人反馈用于输入投保人身份信息的信息采集页面；
第二反馈模块，用于接收投保人输入的投保人身份信息，并在所述身份信息通过验证时，向投保人反馈用于采集被保险人基本信息的信息录入框。
进一步地，所述推动模块还包括：
映射关系构建单元，用于基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
调用单元，用于当接收到投保人选择健康险产品所产生的投保指令时，根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
推送单元，用于根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
进一步地，所述核保装置还包括：
结果输出模块，用于根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
进一步地，所述结果输出模块用于
当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
进一步地，所述结果输出模块还用于：
根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
当接收到投保人的确认指令时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
本申请还提供了一种存储介质，该存储介质存储有一个或多个程序，所述一个或多个程序被一个或多个处理器执行时，实现如上核保方法各实施例中的步骤。
本申请的存储介质的具体实施例与上述核保方法、核保装置和核保设备各实施例基本相同，此处不再赘述。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (24)

  1. 一种核保方法，其特征在于，该核保方法包括以下步骤：
    接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
    接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
  2. 根据权利要求1所述的核保方法，其特征在于，在接收投保人选择健康险产品所产生的投保指令的步骤之前，还包括：
    接收投保人输入的被保险人的基本信息，并根据所述基本信息向投保人推荐匹配的健康险产品。
  3. 根据权利要求2所述的核保方法，其特征在于，在接收投保人输入的被保险人的基本信息的步骤之前，还包括：
    当检测到投保人执行预设投保动作时，向投保人反馈用于输入投保人身份信息的信息采集页面；
    接收投保人输入的投保人身份信息，并在所述身份信息通过验证时，向投保人反馈用于采集被保险人基本信息的信息录入框。
  4. 根据权利要求1所述的核保方法，其特征在于，所述接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面的步骤，包括：
    基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
    接收投保人选择健康险产品所产生的投保指令，并根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
    根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
  5. 根据权利要求2所述的核保方法，其特征在于，所述接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面的步骤，包括：
    基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
    接收投保人选择健康险产品所产生的投保指令，并根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
    根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
  6. 根据权利要求3所述的核保方法，其特征在于，所述接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面的步骤，包括：
    基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
    接收投保人选择健康险产品所产生的投保指令，并根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
    根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
  7. 根据权利要求4所述的核保方法，其特征在于，所述核保方法还包括：
    根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
  8. 根据权利要求5所述的核保方法，其特征在于，所述核保方法还包括：
    根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
  9. 根据权利要求6所述的核保方法，其特征在于，所述核保方法还包括：
    根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
  10. 根据权利要求7所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，包括：
    当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
  11. 根据权利要求8所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，包括：
    当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
  12. 根据权利要求9所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，包括：
    当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
  13. 根据权利要求10所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，还包括：
    根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
    当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
    当接收到投保人的确认指令时，生成对应的保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
  14. 根据权利要求11所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，还包括：
    根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
    当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
    当接收到投保人的确认指令时，生成对应的保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
  15. 根据权利要求12所述的核保方法，其特征在于，所述根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人的步骤，还包括：
    根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
    当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
    当接收到投保人的确认指令时，生成对应的保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
  16. 一种核保装置，其特征在于，该核保装置包括：
    推送模块，用于接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
    核保模块，用于接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
  17. 一种核保设备，其特征在于，该核保设备包括存储器、处理器及存储在所述存储器并可在所述处理器上运行的核保程序，所述核保程序被所述处理器执行时实现如下操作：
    接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
    接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
  18. 根据权利要求17所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    接收投保人输入的被保险人的基本信息，并根据所述基本信息向投保人推荐匹配的健康险产品。
  19. 根据权利要求18所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    当检测到投保人执行预设投保动作时，向投保人反馈用于输入投保人身份信息的信息采集页面；
    接收投保人输入的投保人身份信息，并在所述身份信息通过验证时，向投保人反馈用于采集被保险人基本信息的信息录入框。
  20. 根据权利要求17所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    基于健康险产品对应的核保规则中的健康信息构建健康险产品与多级多联健康评估模型之间的映射关系；
    接收投保人选择健康险产品所产生的投保指令，并根据所述映射关系调用数据库中与所选健康险产品对应的多级多联健康评估模型；
    根据所述多级多联健康评估模型向投保人推送用于采集所选健康险产品所需的被保险人健康信息的信息录入页面。
  21. 根据权利要求20所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    根据核定结果生成保单或客户告知单，将所述保单或客户告知单反馈给投保人。
  22. 根据权利要求21所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    当被保险人的健康信息符合所选健康险产品对应的核保规则时，生成保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当被保险人的健康信息不符合所选健康险产品对应的核保规则时，生成客户告知单，将所述客户告知单反馈给投保人，并将被保险人的健康信息清除。
  23. 根据权利要求22所述的核保设备，其特征在于，所述核保程序被所述处理器执行时还实现如下操作：
    根据被保险人的健康信息被所选健康险产品对应的核保规则核定的次数计算所述健康信息与所述核保规则之间的匹配率；
    当所述匹配率处于预设阈值范围时，根据所述健康信息推荐符合核保规则的健康险产品，或者针对当前所选健康险产品约定附加条件；
    当接收到投保人的确认指令时，生成对应的保单，将所述保单反馈给投保人，并对被保险人的健康信息进行保存；
    当接收到放弃指令或预设时长内未接收到反馈信息时，将被保险人的健康信息清除。
  24. 一种存储介质，其特征在于，该存储介质存储有核保程序，所述核保程序被处理器执行时实现如下操作：
    接收投保人选择健康险产品所产生的投保指令，并根据所述投保指令向投保人推送所选健康险产品对应的多级多联健康评估模型页面；
    接收投保人根据所述多级多联健康评估模型页面输入的被保险人的健康信息，并调用所选健康险产品对应的核保规则对所述健康信息进行核定。
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