TWI866380B - Device and method for generating insurance advice based on policy information and medical information - Google Patents

Abstract

A device and a method for generating an insurance advice based on policy information and medical information are provided. By generating insurance check data based on personal insurance data and generating health level data based on personal medical data, selecting insurance products based on the insurance amount of check items and standard amount of the check items included in the insurance check data, filtering the insurance products based on the personal data, and calculating estimated premium based on risk value corresponding to the personal data to generate exclusive insurance information, the system and the method can achieve the effect of recommend personalized insurance products suitable for customers based on medical conditions of the people and the needs of the people's lives.

Description

Device and method for generating insurance recommendations based on policy information and medical information

An insurance recommendation device and method, in particular, a device and method for generating insurance recommendations based on policy information and medical information.

At present, there are many types of insurance products in China. Most insurance products are introduced to consumers by insurance company salesmen, and then consumers fill out insurance application forms and other information. After that, the salesmen take the information filled out by consumers back to the insurance company, and the insurance company conducts qualification review. Once the review is passed, the insurance company will send out the insurance policy to ensure the rights and interests of both the insurance company and the consumer.

The traditional way to buy insurance is mostly through face-to-face sales by insurance company salesmen. It is difficult for consumers to find suitable and reliable salesmen immediately when they want to buy insurance. In addition, the level of salesmen varies. In addition, there are many types of insurance products. Therefore, in most cases, it is difficult for salesmen to provide users with suitable insurance plans based on the actual insurance situation and insurance needs of consumers.

In order to solve the above problems, some insurance companies currently provide policy health check services. However, due to regulations and other restrictions, the policy health check service of a single insurance company can only be based on the company's own insurance products, the insurance products insured by a single customer, and the policy information provided by the customer for analysis and comparison. At the same time, the existing policy health check service only analyzes and compares the insurance products provided by the customer, but does not consider the customer's physical condition. Therefore, in addition to taking a lot of time, the existing policy health check service also produces analysis results that are difficult to extend to all policy products on the market, and it is not necessarily possible to match the policy that is truly suitable for the customer. Even a reasonable policy configuration may not be suitable for the customer's physical condition.

In summary, it can be seen that the existing policy health checkup services have long been a problem in the prior art that they cannot provide insurance products that are truly suitable for customers. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the problem that the policy health check service in the prior art cannot provide insurance products that are truly suitable for customers, the present invention discloses a device and method for generating insurance recommendations based on policy information and medical information, wherein: the device for generating insurance recommendations based on policy information and medical information disclosed in the present invention at least includes: a communication interface for receiving the authorization message generated by the public client information, and is used to receive the personal data of the public input by the public client; the processing module is used to execute computer instructions to generate: the data acquisition module is used to obtain the public's insurance policy information and the public's medical information through the communication interface according to the authorization information; the insurance policy health examination module is used to generate the insurance policy health examination data according to the public's insurance policy data, wherein the insurance policy health examination data includes the corresponding items of multiple health examinations The insured amount; the health statistics module is used to calculate the health classification level value based on the various diseases included in the medical data of the people to generate health level data; the product recommendation module is used to obtain insurance product information through the communication interface, and select insurance products from the insurance product information based on the standard amounts and insured amounts corresponding to the health examination items to generate a list of recommended products; Insurance The recommendation module is used to obtain the classified risk value corresponding to the health classification, and generate insurance recommendation data based on the classified risk value corresponding to the level value of the health classification and the basic premium of the insurance product, and to obtain the insured person's risk value corresponding to the personal information of the people, and select insurance products based on the insured person's risk value and insurance recommendation data and calculate the corresponding estimated premium to generate exclusive insurance information.

The method disclosed in the present invention for generating insurance recommendations based on policy data and medical data includes at least the following steps: a citizen client generates an authorization message and transmits the authorization message to a policy health check host; the policy health check host obtains the citizen policy data based on the authorization message, and generates policy health check data based on the citizen policy data, wherein the policy health check data includes an insurance amount corresponding to a plurality of health check items; the policy health check host obtains the citizen medical data based on the authorization message, and calculates the health classification level value based on the various diseases included in the citizen medical data to generate health level data; the policy health check host obtains insurance product information, According to the standard limits and insured limits corresponding to the health check items, insurance products are selected from the insurance product information to generate a list of recommended products; the policy health check host obtains the classified risk value corresponding to the health classification, and generates insurance recommendation information according to the classified risk value corresponding to the level value of the health classification and the basic premium of the insurance product; the public client enters the public's personal data and transmits the public's personal data to the policy health check host; the policy health check host obtains the insured's risk value corresponding to the public's personal data, and selects insurance products according to the insured's risk value and insurance recommendation information and calculates the corresponding estimated premium to generate exclusive insurance information.

The device and method disclosed in the present invention are as described above. The difference between the present invention and the prior art is that the present invention generates the policy health check data based on the policy data of the citizens and generates the health classification level value based on the medical data of the citizens through the policy health check host, selects the insurance product based on the insured amount and the standard amount of the health check items included in the policy health check data, selects the insurance product based on the personal data of the citizens and calculates the estimated premium based on the risk value of the insured person corresponding to the personal data of the citizens to generate exclusive insurance information, so as to solve the problems existing in the prior art and achieve the technical effect of recommending personalized insurance products based on the medical conditions and life needs of the citizens.

110: Public client

120: Platform server

130: Policy health check host

131: Communication interface

132: Memory module

133: Processing module

140: Medical data server

150: Insurance server

170:Business client

210: Data acquisition module

220: Policy health check module

230: Health Statistics Module

250: Product recommendation module

260: Insurance suggestion module

280: Consultation service module

290: Online insurance module

Step 301: The citizen client generates an authorization message and sends the authorization message to the policy health check host

Step 310: The policy health check host obtains the public's policy information based on the authorization message, and generates policy health check data based on the public's policy information.

Step 320: The policy health check host obtains the public's medical data based on the authorization message, and calculates the health classification level value based on the various diseases contained in the public's medical data to generate health level data

Step 330: The policy health check host obtains insurance product information and selects insurance products from the insurance product information based on the standard amount and insured amount of the health check items to generate a recommended product list

Step 340: The policy health check host obtains the classified risk value corresponding to the health classification level value, and generates insurance recommendation data based on the classified risk value and the basic premium of the insurance product.

Step 350: The public client enters the public's personal information and sends the public's personal information to the policy health check host

Step 360: The policy health check host selects insurance products that match the personal information of the citizens from the insurance recommendation data, obtains the risk value of the insured person corresponding to the personal information of the citizens, and calculates the estimated premium of the selected insurance products based on the risk value of the insured person to generate exclusive insurance information

Step 370: The client inputs the consultation content and sends it to the policy health check host

Step 373: The public client obtains personal insurance information and encrypts it to generate an encrypted file

Step 375: The public client generates file acquisition information corresponding to the encrypted file and adds the file acquisition information to the consultation content

Step 381: The policy health check host sends the consultation content to the insurance server, and the insurance server sends the consultation content to the business client for display

Step 383: The business client obtains information based on the file and sends a request message to the policy health check host, and the policy health check host sends a request message to the public client

Step 385: The public client generates a confirmation message corresponding to the request message and sends the confirmation message to the policy health check host

Step 387: The policy health check host sends a confirmation message to the insurance server, and the insurance server sends an encrypted file to the business client based on the confirmation message

Step 389: The business client decrypts the encrypted file to obtain and display personal insurance information

Step 391: The business client enters the response content corresponding to the consultation content and sends the response content to the insurance server

Step 393: The insurance server sends the response content to the policy health check host

Step 395: The policy health check host determines whether the response contains content that does not comply with the rules.

Step 397: The policy health check host sends the response content to the public client for display

Figure 1 is a diagram of the system architecture for generating insurance recommendations based on policy information and medical information as mentioned in the present invention.

Figure 2 is a schematic diagram of the components of the platform server for generating insurance recommendations based on policy information and medical information as mentioned in the present invention.

Figure 3A is a flow chart of the method for generating insurance recommendations based on policy information and medical information proposed in the present invention.

Figure 3B is a flow chart of the method for generating and transmitting response content corresponding to information content proposed by the present invention.

Figure 3C is a flow chart of the method for generating encrypted files and accessing encrypted files proposed by the present invention.

The following will be used in conjunction with diagrams and embodiments to explain in detail the features and implementation methods of the present invention. The content is sufficient to enable anyone familiar with the relevant technology to easily and fully understand the technical means used by the present invention to solve technical problems and implement them accordingly, thereby achieving the effects that can be achieved by the present invention.

This invention can recommend personalized insurance products to the public based on their medical information and policy information. The medical information mentioned in this invention includes but is not limited to medical records, medical history data, medical images, test reports, medication content, etc.

The present invention also mentions a computing device, which includes but is not limited to one or more processing modules, one or more memory modules, and hardware components such as a bus connecting different hardware components (including memory modules and processing modules). Through the multiple hardware components included, the computing device can load and execute an operating system so that the operating system runs on the computing device, and can also execute software or programs. The computing device also includes a housing, and the above-mentioned hardware components are arranged in the housing.

The bus of the computing device mentioned in the present invention may include one or more types, such as data bus, address bus, control bus, expansion bus, and/or local bus. The bus of the computing device includes but is not limited to Industry Standard Architecture (ISA) bus, Peripheral Component Interconnect (PCI) bus, Video Electronics Standards Association (VESA) local bus, and serial Universal Serial Bus (USB), Peripheral Component Interconnect Express (PCI Express, PCI-E/PCIe) bus, etc.

The processing module of the computing device of the present invention is coupled to a bus. The processing module includes a register group or a register space, which can be completely set on the processing chip of the processing module, or completely or partially set outside the processing chip and coupled to the processing chip via a dedicated electrical connection and/or via a bus. The processing module can be a central processing unit, a microprocessor or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processing modules, the processing modules included in the computing device are the same or similar, and are coupled and communicated through a bus. In some embodiments, the processing module can interpret a computer instruction or a series of multiple computer instructions to perform specific calculations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., so as to drive other hardware components in the computing device or run the operating system or execute various programs and/or modules. The computer instruction can be an assembly language instruction, an instruction set architecture instruction, a machine instruction, a machine-related instruction, a microinstruction, a firmware instruction, or a source code or object code (Object Code) written in any combination of one or more programming languages, and the computer instruction can be completely executed on a single computing device, partially executed on a single computing device, partially executed on one computing device and partially executed on another connected computing device. The above-mentioned programming languages include object-oriented programming languages, such as Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, etc., and conventional procedural programming languages, such as C language or other similar programming languages.

The computing device usually also includes one or more chipsets. The processing module of the computing device can be coupled to the chipset or electrically connected to the chipset through a bus. The chipset is composed of one or more integrated circuits (ICs), including a memory controller and a peripheral input/output (I/O) controller, etc. That is, the memory controller and the peripheral input/output (I/O) controller can be included in one IC, or can be implemented using two or more ICs. The chipset usually provides input/output and memory management functions, as well as multiple general and/or dedicated registers, timers, etc., wherein the above-mentioned general and/or dedicated registers and timers can be accessed or used by one or more processing modules coupled or electrically connected to the chipset. In some embodiments, the chipset may also be part of the processing module.

The processing module of the computing device can also access the data in the memory module and the mass storage area installed on the computing device through the memory controller. The above-mentioned memory module includes any type of volatile memory and/or non-volatile memory (NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory (DRAM), read-only memory (ROM), flash memory, etc. The above-mentioned mass storage area can include any type of storage device or storage media, such as a hard drive, optical disc, flash drive, memory card, solid state disk (SSD), or any other storage device. In other words, the memory controller can access data in static random access memory, dynamic random access memory, flash memory, hard drive, and solid state disk.

The processing module of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, various data or signal receiving devices, etc. through the peripheral input/output controller via the peripheral input/output bus. The peripheral input device can be any type of input device, such as a keyboard, a mouse, a trackball, a touchpad, a joystick, etc. The peripheral output device can be any type of output device, such as a display, a printer, etc. The peripheral input device and the peripheral output device can also be the same device, such as a touch screen, etc. The communication interface may include a wireless communication interface and/or a wired communication interface. The wireless communication interface may include an interface supporting wireless local area networks (such as Wi-Fi, Zigbee, etc.), Bluetooth, infrared, near-field communication (NFC), 3G/4G/5G and other mobile communication networks (cellular networks) or other wireless data transmission protocols. The wired communication interface may be an Ethernet device, a DSL modem, a cable modem, an asynchronous transfer mode (ATM) device, or an optical fiber communication interface and/or component. The data or signal receiving device may include a GPS receiver or a physiological signal receiver. The physiological signals received by the physiological signal receiver include but are not limited to heartbeat, blood oxygen, etc. The processing module can periodically poll various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device with the hardware components described above.

The following first uses "Figure 1" as a system architecture diagram of the present invention for generating insurance recommendations based on policy information and medical information to explain the operation of the present invention. As shown in "Figure 1", the present invention includes a public client 110 and a policy health check host 130. The present invention also includes an attachable platform server 120, a medical data server 140, one or more insurance servers 150, and one or more business clients 170. Among them, the public client 110, the platform server 120, the policy health check host 130, the medical data server 140, the insurance server 150, and the business client 170 can all be computing devices, and data or signals can be transmitted to each other via wired or wireless means.

The public client 110 can be a mobile phone or a computer, but the present invention is not limited thereto.

The public client 110 is responsible for generating an authorization message and sending the authorization message to the policy health check host 130. Generally speaking, the authorization message generated by the public client 110 includes a first authorization message that allows the policy health check host 130 to access the public's policy data and a second authorization message that allows the policy health check host 130 to download the public's medical data from the medical data server 140. Among them, the authorization message can usually include the public identification information of the user of the public client 110.

The public client 110 is also responsible for inputting the public's personal data and transmitting the public's personal data to the policy health check host 130. Generally speaking, the public client 110 can provide an input interface for users to input the public's personal data. The public's personal data mentioned in the present invention includes but is not limited to occupation, annual income, daily transportation, total number of family members, smoking status, drinking status, body mass index (BMI) and other data.

The public client 110 can also receive personal insurance data transmitted by the policy health check host 130. The personal insurance data mentioned in the present invention includes but is not limited to the policy health check data, health level data, recommended product list, insurance suggestion data, exclusive insurance information and other data generated by the policy health check host 130. The public client 110 can also display the received personal insurance data, and can select the insurance product included in the exclusive insurance message, and can transmit the product identification data of the selected insurance product to the policy health check host 130.

The public client 110 may also provide input of consultation content, and may transmit the input consultation content to the insurance server 150. The public client 110 may also receive response content corresponding to the consultation content transmitted by the insurance server 150, and may display the received response content. It should be noted that the public client 110 may directly transmit the consultation content to the insurance server 150 according to the connection message provided by the policy health check host 130, or may indirectly transmit the consultation content to the insurance server 150 through the policy health check host 130. The above-mentioned consultation content may include questions raised by the user of the public client 110 (usually the policyholder), and may also include file acquisition information generated by the public client 110 (described later); the above-mentioned connection information may include the domain name (Domain Name) or network address (IP address) of the insurance server 150, and may also include the application programming interface (Application Programming Interface, API) provided by the insurance server 150. In some embodiments, it may also include the port number (port number) provided by the insurance server 150.

The public client 110 can also receive the personal insurance data transmitted by the policy health check host 130, and can encrypt the received personal insurance data to generate an encrypted file. The public client 110 can also generate file acquisition information corresponding to the generated encrypted file and can add the generated file acquisition information to the input consultation content. The public client 110 can also transmit the generated encrypted file and the generated consultation content to the insurance server 150. The file acquisition information may include the client identification data of the public client 110, the file name or file identification code of the encrypted file generated by the public client 110, the domain name or network address of the policy health check host 130, and may also include the application programming interface (API) provided by the policy health check host 130. The above-mentioned client identification data may be the serial number of a specific hardware such as a circuit board or processor or other chip on the public client 110, or may be the physical address (MAC address) of the media access control layer used by the network interface of the public client 110, or may be the exclusive data given to the public client 110 by the insurance server 150.

The public client 110 can also receive the request message generated by the insurance server 150, and can generate a confirmation message corresponding to the received request message. The request message indicates that the business client 170 requests to obtain the encrypted file generated by the public client 110, and the confirmation message indicates whether the business client is allowed to obtain the generated encrypted file.

The platform server 120 can maintain an insurance product database. The insurance product database can record insurance product information of multiple insurance products, and the insurance product information of the insurance products recorded in the insurance product database comes from various insurance companies. In some embodiments, the platform server 120 can receive insurance product information transmitted by the insurance server 150 of each insurance company in a predetermined data format.

The medical data server 140 can store medical data of multiple people. In the present invention, the medical data stored in the medical data server 140 is also referred to as the medical data of the people. Generally speaking, the medical data stored in the medical data server 140 are authorized by the patients to whom they belong. That is to say, the medical data server 140 can only store the medical data of the people after the people allow their medical data to be uploaded to the medical data server 140.

The medical data server 140 can also provide a connection to the insurance policy health check host 130, and can transmit the medical data of the public requested by the insurance policy health check host 130 to the insurance policy health check host 130.

The policy health check host 130 can provide a connection to the public client 110, and can also be connected to the medical data server 140 and the insurance server 150.

The policy health check host 130 can analyze the people's policy data and medical data, and can select insurance products that include items that are less protected in the people's existing policies based on the analysis results, and can recommend the selected insurance products to the people. In some embodiments, the policy health check host 130 can include a communication interface 131, a processing module 133, and a memory module 132 as shown in "Figure 2", wherein the communication interface 131, the memory module 132, and the processing module 133 are connected via a bus (not shown in the figure).

The communication interface 131 can provide the connection between the policy health check host 130 and the public client 110, the medical data server 140, and the insurance server 150, so as to provide the processing module 133 with the public client 110, the medical data server 140, and the insurance server 150 to exchange data or signals.

The memory module 132 can store one, more, one group, or more groups of computer instructions.

The processing module 133 can execute the computer instructions stored in the memory module 132, and can generate software modules such as the data acquisition module 210, the insurance policy health check module 220, the health statistics module 230, the product recommendation module 250, and the insurance suggestion module 260 after executing the computer instructions. In some embodiments, the processing module 133 can also generate additional software modules such as the consultation service module 280 and the online insurance module 290. In practice, the data acquisition module 210, the insurance policy health check module 220, the health statistics module 230, the product recommendation module 250, the insurance suggestion module 260 (and the consultation service module 280 and the online insurance module 290) can also be composed of hardware components, such as one or more sets of circuits and/or one, more, or part of an integrated circuit, that is, the processing module 133 can also be a hardware module that includes the hardware components that constitute the above modules. The following will explain each module included in or generated by the processing module 133.

The data acquisition module 210 is responsible for obtaining the authorization message generated by the public client 110 through the communication interface 131, and is responsible for obtaining the public policy data consistent with the received authorization message requested from the policy health check host 130 itself or the platform server 120 through the communication interface 131, and is responsible for obtaining the public medical data consistent with the received authorization message requested from the medical data server 140 through the communication interface 131. Generally speaking, the matching of the public insurance policy information/public medical information and the authorization message means that the identification information recorded in the public insurance policy information/public medical information (i.e. the identification information of the owner of the public insurance policy information/public medical information) is the same as the identification information of the public contained in the authorization message, but the present invention is not limited to this.

The policy health check module 220 is responsible for generating policy health check data based on the public policy data obtained by the data acquisition module 210, wherein the policy health check data includes but is not limited to the insurance amounts corresponding to multiple health check items such as death benefits, accidental medical hospitalization days, disease medical hospitalization days, outpatient/inpatient surgery benefits, single event actual payment limit, cancer medical benefits, major injury and disease benefits, long-term care benefits, and disability benefits. Generally speaking, the insurance policy health check module 220 can search for keywords corresponding to each health check item in the public insurance policy data to obtain the insurance amount corresponding to each health check item, or can perform text and/or context analysis on the public insurance policy data to obtain the insurance amount corresponding to each health check item. When the public insurance policy data includes multiple insurance policies, or a single insurance policy includes two or more insurance amounts corresponding to specific health check items, the insurance policy health check module 220 can add up the obtained insurance amounts to generate the insurance amount corresponding to the specific health check item.

The health statistics module 230 is responsible for calculating the level values of one or more health categories based on various diseases included in the public medical data obtained by the data acquisition module 210 to generate health level data. For example, the health statistics module 230 can obtain pre-stored male and female risk indexes, the International Statistical Classification of Diseases and Related Health Problems (ICD) code (currently the 10th or 11th edition is usually used), the weight values corresponding to each classification code in the International Classification of Disease code, and the health categories corresponding to each classification code. It can also retrieve the International Classification of Disease code contained in the public medical data, and calculate the sum of the weight values of each health category based on the retrieved International Classification of Disease code, and then calculate the average of the sum of the weight values of each health category, and use the male and female risk index as the basic value, and correspond the male and female risk index to the calculated average value of each health category to generate a level value for each health category. Among them, health classification includes but is not limited to life level, cancer level, serious illness level, hospitalization level, etc.; the above-mentioned male and female risk index, international disease classification code, weight value corresponding to each classification code, and health classification corresponding to each classification code can be stored in a file or database, and the above-mentioned file or database is set on the storage medium of the insurance policy health check host 130 or the storage device or data server connected to the insurance policy health check host 130 through wireless or physical connection (not shown in the figure). However, the way in which the health statistics module 230 generates the level value of the health classification is not limited to the above.

The product recommendation module 250 can obtain insurance product information from the insurance product database maintained by the platform server 120 or from the insurance server 150 through the communication interface 131, and is responsible for selecting one or more insurance products from the obtained insurance product information based on the insured amount of each health check item and the standard amount of each health check item generated by the policy health check module 220 to generate a recommended product list. For example, the product recommendation module 250 can obtain the pre-established or set standard amount of each health check item, and can compare the insurance amount of each health check item with the standard amount respectively. The product recommendation module 250 can record the health check items whose insurance amount is lower than the standard amount, and can search for the insurance amount corresponding to each health check item recorded by the product recommendation module 250 according to the insurance amount corresponding to each health check item recorded in the obtained insurance product information. If the sum of the insurance amount of the health check-up items and the insured amount is greater than or equal to the standard amount, the product recommendation module 250 can generate a recommended product list including the found insurance product if it successfully finds a suitable insurance product. If the product recommendation module 250 fails to find a suitable single insurance product, the product recommendation module 250 can try to combine multiple insurance products to generate a recommended product list. However, the method for the product recommendation module 250 to select insurance products is not limited to the above.

The insurance recommendation module 260 is responsible for obtaining the classified risk values corresponding to the health classification level values generated by the health statistics module 230, and is responsible for generating insurance recommendation data based on the classified risk values corresponding to the level values of each health classification and the basic premiums of the insurance products included in the recommended product list generated by the product recommendation module 250. For example, the insurance recommendation module 260 can obtain a pre-established classification risk table including the level values of each health category and the corresponding classification risk values, and can find the classification risk value corresponding to the level value of each health category from the classification risk table, and can obtain the basic premium of the insurance product and the corresponding insurance product from the insurance product information of the recommended product list. Health classification, and then adjust the basic premium of the insurance product according to the classified risk value of the health classification corresponding to the insurance product to generate an estimated premium (such as taking the product of the classified risk value and the basic premium as the estimated premium), and add the generated estimated premium to the insurance product information of the insurance product to generate insurance recommendation data including the insurance product information and estimated premium of the insurance product.

The insurance suggestion module 260 is also responsible for receiving the public personal information transmitted by the public client 110 through the communication interface 131, and is responsible for selecting one or more insurance products from the generated insurance suggestion data based on the received public personal information to generate exclusive insurance information for the user of the public client 110. For example, the insurance recommendation module 260 can compare the data in the personal data of the citizens with the insurance product information of the insurance products included in the insurance recommendation data to determine whether the personal data of the citizens is consistent with the insurance products, such as comparing whether the claims recorded in the insurance product information include the daily means of transportation in the personal data of the citizens, or comparing whether the annual income is higher than a certain percentage of the estimated premium recorded in the insurance product information, etc., so as to filter out the insurance products that match the personal data of the citizens from the insurance recommendation data to generate exclusive insurance information.

In some embodiments, the insurance recommendation module 260 can also obtain one or more policyholder risk values corresponding to the received personal information of the citizens, and can calculate the estimated premium of the insurance product selected from the generated insurance recommendation data based on the obtained policyholder risk values, and can replace the estimated premium of the same insurance product in the generated exclusive insurance information with the calculated estimated premium. For example, the insurance recommendation module 260 can obtain a pre-established data category risk table corresponding to each data included in the personal data of the public, and can obtain the corresponding insured person risk value from each corresponding data category risk table according to each data in the personal data of the public, and calculate the estimated premium according to the estimated premium and each insured person risk value, for example, calculate the product of the estimated premium and each insured person risk value.

The consultation service module 280 can receive the consultation content input and sent by the public client 110 through the communication interface 131, and can transmit the received consultation content to one or more insurance servers 150 through the communication interface 131. The consultation service module 280 can also receive the response content corresponding to the consultation content input and sent by one or more business clients through the communication interface 131, and can return the received response content to the public client 110 through the communication interface 131.

It is worth mentioning that the consultation service module 280 can also determine whether the response content (in some embodiments, the consultation content) received through the communication interface 131 contains content that does not comply with the rules, and when it is determined that the received response content contains content that does not comply with the rules, the response content may not be transmitted to the public client 110, or when it is determined that the received consultation content contains content that does not comply with the rules, a prompt content indicating that the content does not comply with the rules is generated and the generated prompt content is transmitted to the public client 110. Among them, the rules for judging the response content/consultation content by the consultation service module 280 include whether the response content contains the contact information of the salesperson or whether the consultation content contains the contact information of the insured (the user of the public client 110), whether the response content/consultation content contains inappropriate text, etc., but the present invention is not limited to this.

The consultation service module 280 can also transmit personal insurance information including policy health checkup information, health level information, recommended product list, insurance suggestion information, and/or exclusive insurance information to the public client 110 through the communication interface 131.

The consultation service module 280 can also receive a request message sent by one or more business clients based on file acquisition information through the communication interface 131, and can transmit the received request message to the public client 110 through the communication interface 131 based on the client identification data contained in the request message. The consultation service module 280 can also receive a confirmation message generated and sent by the public client 110 through the communication interface 131, and can transmit the received confirmation message to the insurance server 150 through the communication interface 131 based on the connection information of the insurance server 150 contained in the confirmation message.

The online insurance module 290 can obtain one or more insurance products selected and sent by the public client received by the communication interface 131, and can connect to the insurance server 150 that provides the insurance product selected by the public client 110 through the communication interface 131, and can perform online insurance operations corresponding to the insurance products selected by the public client 110 with the connected insurance server 150, for example, receiving the insurance data sent by the public client 110, and can transmit the insurance data to the insurance server 150 so that the insurance server 150 can perform online insurance operations.

It should be noted that in some embodiments, the above-mentioned insurance policy health check host 130 can be merged into the platform server 120.

The insurance server 150 can receive the consultation content input by the citizen client 110, the encrypted file generated by the citizen client 110, and the file acquisition information corresponding to the encrypted file. The consultation content, the encrypted file, and the file acquisition information can be directly transmitted by the citizen client 110 or transferred by the citizen client 110 to the policy health check host 130. The present invention has no special restrictions.

The insurance server 150 may also select one or more business clients 170, and may transmit the received consultation content to the selected business clients 170. The insurance server 150 may also receive a request message transmitted by the business client 170, and may directly transmit the received request message to the public client 110 or forward the request message to the public client 110 via the policy health check host 130. The insurance server 150 may also receive a confirmation message transmitted by the policy health check host 130, and when it is determined that the confirmation message indicates permission to transmit the encrypted file, the encrypted file is transmitted to the business client 170 that sent the request message corresponding to the confirmation message. For example, the insurance server 150 can record the client identification data of the civilian client 110 and the business client 170 that send and receive request messages, so as to obtain the client identification data of the business client 170 that sends the request message corresponding to the confirmation message when receiving the confirmation message, and transmit the encrypted file to the business client 170 based on the obtained client identification data, but the present invention is not limited to this.

The business client 170 can receive the consultation content transmitted by the insurance server 150, and can provide input of response content corresponding to the consultation content, and can transmit the input response content to the insurance server 150.

The business client 170 can also generate and send a request message when the consultation content includes file acquisition information, and can send the generated request message to the insurance server 150. The business client 170 can also receive the encrypted file sent by the insurance server 150, and can decrypt the received encrypted file to obtain the policy health check data, health level data, recommended product list, insurance recommendation data, and/or exclusive insurance information and other personal insurance data generated by the policy health check host 130, and can display the received personal insurance data.

Next, an embodiment is used to explain the operating system and method of the present invention, and please refer to "Figure 3A" for the flow chart of the method for generating insurance recommendations based on policy information and medical information. In this embodiment, it is assumed that the policy health check host 130 and the platform server 120 are different computing devices.

First, when a citizen uses the insurance policy health check host 130 of the present invention to generate a recommended insurance product, the citizen can operate the citizen client 110 to generate an authorization message and transmit the generated authorization message to the insurance policy health check host 130 (step 301). In this embodiment, it is assumed that the citizen can install an application compatible with the insurance policy health check host 130 on the citizen client 110, and can execute the application so that the citizen client 110 displays a user interface, and can select the option of generating an authorization message in the user interface so that the application generates an authorization message and transmits the generated authorization message to the insurance policy health check host 130.

After the data acquisition module 210 of the insurance policy health check host 130 receives the authorization message generated by the citizen client 110 through the communication interface 131 of the insurance policy health check host 130, the insurance policy health check module 220 of the insurance policy health check host 130 can obtain the citizen's insurance policy data based on the authorization message obtained by the data acquisition module 210, and can generate insurance policy health check data based on the obtained citizen's insurance policy data (step 310). In this embodiment, it is assumed that the insurance policy health check module 220 can request the public insurance policy data that meets the identity identification data included in the authorization message from the insurance policy health check host 130 through the communication interface 131, and can obtain the insurance amounts corresponding to the nine health check items, including death benefit, accidental medical hospitalization days, disease medical hospitalization days, outpatient/inpatient surgery benefits, single event actual payment limit, cancer medical benefits, major injury and disease benefits, long-term care benefits, and disability benefits, from the obtained public insurance policy data, and can generate insurance policy health check data containing the insurance amounts corresponding to the above nine health check items.

After the insurance policy health check module 220 of the insurance policy health check host 130 generates insurance policy health check data based on the public's insurance policy data (step 310), the product recommendation module 250 of the insurance policy health check host 130 can obtain insurance product information of insurance products of one or more insurance companies, and can select insurance products from the obtained insurance product information based on the standard amount and insured amount of the health check items generated by the insurance policy health check module 220 to generate a recommended product list (step 330). In this embodiment, it is assumed that the product recommendation module 250 can be connected to the policy health check host 130 through the communication interface 131 of the policy health check host 130, so as to download the insurance product information of multiple insurance companies from the insurance product database maintained by the policy health check host 130. Then, the product recommendation module 250 can compare the insured amounts of the nine health check items generated by the policy health check module 220 with the pre-set standard amounts one by one, and can recommend products when the insured amount is lower than the standard amount. When the insurance amount is lower than the standard amount, the product recommendation module 250 can record the health check items whose insurance amount is lower than the standard amount. After that, the product recommendation module 250 can search for insurance products in the insurance product information according to the insurance amount of each health check item recorded in the insurance product information, and the insurance amount of the health check item recorded by the product recommendation module 250 and the insurance amount of the same health check item are greater than or equal to the standard amount of the same health check item, and can generate a recommended product list including the found insurance products.

Similarly, after the data acquisition module 210 of the insurance policy health check host 130 receives the authorization message generated by the citizen client 110 through the communication interface 131 of the insurance policy health check host 130, the health statistics module 230 of the insurance policy health check host 130 can obtain the citizen's medical data based on the authorization message obtained by the data acquisition module 210, and can calculate the health classification level value based on the various diseases included in the obtained citizen's medical data to generate health level data (step 320). In this embodiment, assuming that the medical data server 140 is a health passbook server provided by the National Health Insurance Administration, the health statistics module 230 can request the medical data server 140 for the public medical data that meets the identification data included in the authorization message through the communication interface 131, and can extract the International Classification of Diseases codes of various diseases included in the obtained public medical data, and can read the health classification and weight value corresponding to the obtained International Classification of Diseases code, and can calculate the average value of the weight value corresponding to each International Classification of Diseases code to generate the level values of four health classifications, namely, life level, cancer level, serious illness level, and hospitalization level, so as to generate health level data including the level values of the above four health classifications.

After the health statistics module 230 of the policy health check host 130 calculates the level value of each health category to generate health level data (step 320) and the product recommendation module 250 of the policy health check host 130 selects insurance products to generate a recommended product list (step 330), the insurance recommendation module 260 of the policy health check host 130 can obtain the classification risk value corresponding to the level value of each health category, and can generate insurance recommendation data based on the obtained classification risk value and the basic premium of each insurance product in the recommended product list (step 340). In this embodiment, it is assumed that the level values of the four health categories of life level, cancer level, serious illness level, and hospitalization level calculated by the health statistics module 230 are 7, 8, 6, and 6 respectively, and the pre-established classification risk correspondence table is as follows:

The insurance recommendation module 260 can obtain the classification risk values corresponding to the level values of the four health categories, namely, life level, cancer level, serious illness level, and hospitalization level, which are 1.1, 1, 1.3, and 1.05 respectively. Then, the insurance recommendation module 260 can calculate the product of the classification risk value of the health category corresponding to the insurance product and the basic premium of the insurance product to generate an estimated premium, and can add the generated estimated premium to the insurance product information of the same insurance product, so as to generate insurance recommendation data including the insurance product information and estimated premium of all insurance products in the recommended product list generated by the product recommendation module 250.

After the insurance recommendation module 260 of the policy health check host 130 generates insurance recommendation data (step 340), the communication interface 131 of the policy health check host 130 can transmit the policy health check data, health level data, recommended product list, and/or insurance recommendation data generated by the policy health check module 220, health statistics module 230, product recommendation module 250, and/or insurance recommendation module 260 of the policy health check host 130 to the public client 110. After the citizen client 110 receives the policy health check data, health level data, recommended product list, and/or insurance suggestion data transmitted by the policy health check host 130, the application executed on the citizen client 110 can display the policy health check data, health level data, recommended product list, or insurance suggestion data according to the user's operation, and the application executed by the citizen client 110 can also provide a data input interface for the user to input the citizen's personal data, and after the user completes the input of the citizen's personal data, the input citizen's personal data can be transmitted to the policy health check host 130 (step 350).

After the insurance recommendation module 260 of the policy health check host 130 receives the citizen's personal information transmitted by the citizen client 110 through the communication interface 131 of the policy health check host 130, the insurance recommendation module 260 can filter out insurance products that match the received citizen's personal information from the generated insurance recommendation data, and can obtain the insured person's risk value corresponding to the citizen's personal information, and can calculate the estimated premium of the screened insurance product based on the obtained insured person's risk value to generate a dedicated insurance message (step 360). In this embodiment, it is assumed that the pre-established occupational risk table, traffic risk table, and BMI value risk table are as follows:

If the citizen's personal data records that his occupation is engineer, his daily means of transportation is cycling, and his BMI is 20, then the insurance recommendation module 260 can obtain three insured person risk values, which are 1.1, 1.2, and 1 respectively. The insurance recommendation module 260 can calculate the product of the estimated premium in the insurance product information of the screened insurance product and the above three insured person risk values to generate an estimated premium, and then generate exclusive insurance information for the user of the citizen client 110.

After the insurance recommendation module 260 of the policy health check host 130 generates the exclusive insurance information (step 360), the insurance recommendation module 260 can transmit the generated exclusive insurance information to the citizen client 110 through the communication interface 131 of the policy health check host 130, so that the application executed by the citizen client 110 displays the recommended insurance products exclusively for the citizens.

Thus, through the present invention, people can obtain insurance products that include items that are lacking in their existing insurance products based on their medical information and policy information, and the obtained insurance products can be recommended to the public, so that the public can obtain personalized recommended insurance products.

In the above embodiment, after the insurance recommendation module 260 of the policy health check host 130 generates the exclusive insurance information (step 360) and the public client 110 displays the exclusive insurance information, as shown in the process of "Figure 3B", when the user of the public client 110 has questions, the public client 110 can provide the user with input consultation content, and can transmit the input consultation content to the policy health check host 130 (step 370).

After the consultation service module 280 of the policy health check host 130 receives the consultation content sent by the citizen client 110 through the communication interface 131 of the policy health check host 130, the consultation service module 280 can transmit the received consultation content to the insurance server 150 through the communication interface 131. The insurance server 150 can receive the consultation content sent by the policy health check host 130. After receiving the transmitted consultation content, one or more business clients 170 are selected, and the received consultation content can be transmitted to the selected business clients 170. The business client 170 can display the consultation content received from the insurance server 150 after the salesperson opens an application compatible with the insurance server 150 (step 381).

After displaying the consultation content, the business client 170 can provide the salesperson with input of response content corresponding to the displayed consultation content, and can transmit the input response content back to the insurance server 150 (step 391). The insurance server can transmit the received response content back to the policy health check host 130 (step 393). The policy health check host 130 can transmit the response content back to the citizen client 110, and the citizen client 110 can display the received response content (step 397). After receiving the response content, the policy health check host 130 can first determine whether the response content contains content that does not comply with the rules (step 395). If not, the response content can be sent back to the public client 110. If yes, the response content will not be sent, but a prompt message can be generated and sent back to the insurance server 150, so that the insurance server sends the prompt message to the business client 170 for display.

In addition, the above embodiment can be further shown in the process of "Figure 3C". After the insurance recommendation module 260 of the policy health check host 130 generates the exclusive insurance information (step 360), the public client 110 can provide the user with the consultation content (step 370). If the consultation content input by the user requires the provision of personal insurance information such as policy health check data, health level data, recommended product list, insurance recommendation data, and/or exclusive insurance information, the user can also select the personal insurance information to be provided in the input interface provided by the application program executed by the public client 110. After the user selects personal insurance data, the application executed by 10 can encrypt the selected personal insurance data such as policy health check data, health level data, recommended product list, insurance recommendation data, and/or exclusive insurance information to generate an encrypted file (step 373), and can generate file acquisition information corresponding to the generated encrypted file, and can add the generated file acquisition information to the consultation content (step 375). In this way, when the application executed by the public client 110 transmits the consultation content to the policy health check host 130, the encrypted file can be transmitted to the policy health check host 130 together.

When the policy health check host 130 transmits the consultation content to the insurance server 150, the encrypted file will also be transmitted to the insurance server 150. After receiving the consultation content and the encrypted file, the insurance server 150 can store the encrypted file and transmit the received consultation content to the business client 170 (step 381).

After receiving the consultation content, the business client 170 can display the received consultation content. When the salesperson wants to browse the personal insurance information of the writer of the consultation content, the salesperson can operate on the user interface provided by the business client 170 so that the business client 170 generates and transmits a request message to the policy health check host 130 based on the file acquisition information contained in the consultation content. After receiving the request message, the policy health check host 130 can transmit the received request message to the public client 110 (step 383).

After receiving the request message sent by the policy health check host 130, the application executed by the citizen client 110 can prompt the user whether to allow the salesperson to access the encrypted file. If the user chooses to allow in the operation interface provided by the application, the application can generate a confirmation message. If the user chooses not to allow, the application can generate a rejection message. Afterwards, the application can send the generated confirmation message or rejection message to the policy health check host 130 (step 385).

After the policy health check host 130 receives the confirmation message or rejection message sent by the civilian client 110, the policy health check host 130 can send the received confirmation message/rejection message to the insurance server 150. The insurance server 150 can send the encrypted file to the business client 170 (step 387) when receiving the confirmation message, and can send a prompt message to the business client 170 when receiving the rejection message.

After receiving the encrypted file, the business client 170 can decrypt the received encrypted file to obtain personal insurance information such as policy health checkup information, health level information, recommended product list, insurance recommendation information, and/or exclusive insurance information contained in the encrypted file, and can display the obtained personal insurance information to the salesperson for reference (step 389), so that the salesperson can enter the response content corresponding to the consultation content (step 391).

In summary, the difference between the present invention and the prior art is that the policy health check host generates policy health check data based on the public's policy data and generates health classification level values based on the public's medical data, selects insurance products based on the insured amount and standard amount of the health check items included in the policy health check data, and selects insurance products based on the public's personal data and generates health classification level values based on the public's medical data. The technology calculates the estimated premium based on the risk value of the insured person corresponding to the personal data of the people to generate exclusive insurance information. This technology can solve the problem that the policy health check service in the previous technology cannot provide insurance products that are truly suitable for customers, and thus achieve the technical effect of recommending personalized insurance products based on the medical conditions and life needs of the people.

Furthermore, the method of generating insurance recommendations based on policy information and medical information of the present invention can be implemented in hardware, software, or a combination of hardware and software, and can also be implemented in a centralized manner in a computer system or in a distributed manner with different components distributed in a number of interconnected computer systems.

Although the implementation methods disclosed in the present invention are as above, the contents described are not used to directly limit the scope of patent protection of the present invention. Any person with common knowledge in the technical field to which the present invention belongs, without departing from the spirit and scope disclosed by the present invention, makes slight changes and modifications to the implementation of the present invention in form and details, which are all within the scope of patent protection of the present invention. The scope of patent protection of the present invention shall still be based on the scope defined in the attached patent application.

Step 301: The citizen client generates an authorization message and sends the authorization message to the policy health check host

Step 310: The policy health check host obtains the public's policy information based on the authorization message, and generates policy health check data based on the public's policy information.

Step 320: The policy health check host obtains the public's medical data based on the authorization message, and calculates the health classification level value based on the various diseases contained in the public's medical data to generate health level data

Step 330: The policy health check host obtains insurance product information and selects insurance products from the insurance product information based on the standard amount and insured amount of the health check items to generate a recommended product list

Step 340: The policy health check host obtains the classified risk value corresponding to the health classification level value, and generates insurance recommendation data based on the classified risk value and the basic premium of the insurance product.

Step 350: The public client enters the public's personal information and sends the public's personal information to the policy health check host

Step 360: The policy health check host selects insurance products that match the personal information of the citizens from the insurance recommendation data, obtains the risk value of the insured person corresponding to the personal information of the citizens, and calculates the estimated premium of the selected insurance products based on the risk value of the insured person to generate exclusive insurance information

Claims (10)

A device for generating insurance advice based on insurance policy information and medical information provides a connection to a citizen client, and the device at least comprises: a communication interface for receiving an authorization message generated by the citizen client, and for receiving a citizen's personal information and a consultation content input by the citizen client; and a processing module for executing at least one computer instruction to generate: a data acquisition module for acquiring a citizen's insurance policy information and a citizen's medical information through the communication interface based on the authorization message, wherein the identity identification information in the citizen's insurance policy information and the citizen's medical information and the identity identification information in the authorization message are the same as the identity identification information in the authorization message. the same data; a policy health checkup module, used to generate a policy health checkup data according to a citizen's policy data, wherein the policy health checkup data includes insurance amounts corresponding to a plurality of health checkup items; a health statistics module, used to calculate the level value of at least one health classification according to various diseases included in the citizen's medical data to generate a health level data; a product recommendation module, used to obtain at least one insurance product information through the communication interface, and select at least one insurance product from the insurance product information according to each standard amount corresponding to the health checkup items and each insurance amount to generate a recommended product list; an insurance suggestion module a group for obtaining the classified risk value corresponding to the at least one health classification, and generating an insurance recommendation data according to the classified risk value corresponding to the level value of the at least one health classification and the basic premium of the at least one insurance product, and for screening the at least one insurance product that matches the personal data of the citizen from the insurance recommendation data, and obtaining the at least one insured person risk value corresponding to the personal data of the citizen, and calculating the estimated premium of the at least one insurance product that has been screened according to the at least one insured person risk value to generate a dedicated insurance message; and a consultation service module for transmitting the policy health examination information through the communication interface The information, the health level information, the recommended product list, the insurance recommendation information, and/or the exclusive insurance information are encrypted to the public client, so that the public client generates an encrypted file and adds a file acquisition information corresponding to the encrypted file to the consultation content, and transmits the encrypted file and the consultation content to at least one insurance server, and at least one business client obtains the consultation content and the encrypted file through the at least one insurance server, and inputs a response content according to the consultation content and the data obtained by decrypting the encrypted file, and transmits the response content to the public client through the policy health check host for display. The device for generating insurance recommendations based on policy data and medical data as described in claim 1, wherein the health statistics module calculates the sum of weight values of multiple health categories based on the International Classification of Diseases code contained in the medical data of the people, calculates the average of the sum of weight values of each health category, and maps the basic value to the average of each health category to generate the grade value of each health category. The device for generating insurance advice based on policy information and medical information as described in claim 1, wherein the consultation service module is further used to receive a request message sent by the at least one business client based on the information obtained from the file through the communication interface and send the request message to the civilian client through the communication interface, and receive a confirmation message corresponding to the request message generated by the civilian client through the communication interface and send the confirmation message to the at least one insurance server through the communication interface, so that the at least one insurance server sends the encrypted file to the at least one business client for decryption based on the confirmation message. The device for generating insurance advice based on policy information and medical information as described in claim 1, wherein the consultation service module is further used to determine whether the response content contains content that does not comply with the rules, and to not send the response content to the citizen client when it is determined that the response content contains content that does not comply with the rules. The device for generating insurance recommendations based on policy information and medical information as described in claim 1, wherein the processing module is further used to generate an online insurance module for obtaining at least one insurance product selected by the citizen client received by the communication interface, and connecting to the at least one insurance server providing the at least one insurance product through the communication interface to perform online insurance operations corresponding to the at least one insurance product. A method for generating insurance recommendations based on policy data and medical data, the method comprising at least the following steps: a citizen client generates an authorization message and transmits the authorization message to a policy health check host; a policy health check host obtains a citizen policy data based on the authorization message, and generates a policy health check data based on the citizen policy data, wherein the identity identification data in the citizen policy data is the same as the identity identification data in the authorization message, and the policy health check data includes insurance amounts corresponding to multiple health check items; the policy health check host obtains a citizen medical data based on the authorization message, and generates a policy health check data based on the citizen policy data. The various diseases included in the medical data calculate the level value of at least one health classification to generate a health level data, wherein the identity identification data in the citizen medical data is the same as the identity identification data in the authorization message; the policy health check host obtains at least one insurance product information, and selects at least one insurance product from the insurance product information according to the standard amounts corresponding to the health check items and the insured amounts to generate a recommended product list; the policy health check host obtains the classified risk value corresponding to the at least one health classification, and selects the recommended product list according to the classified risk value corresponding to the level value of the at least one health classification and the at least one insurance The citizen client inputs the citizen's personal data and transmits the citizen's personal data to the policy health check host; the policy health check host selects at least one insurance product that matches the citizen's personal data from the insurance recommendation data, obtains at least one policyholder risk value corresponding to the citizen's personal data, and calculates the estimated premium of the at least one insurance product that has been screened based on the at least one policyholder risk value to generate a dedicated insurance message; the citizen client obtains the policy health check data, the health level data, the recommended product list, the The insurance recommendation data and/or the exclusive insurance information are encrypted to generate an encrypted file; the public client generates a file acquisition information corresponding to the encrypted file and adds the file acquisition information to the consultation content; the policy health check host transmits the consultation content and the encrypted file to at least one insurance server, and the at least one insurance server transmits the consultation content and the encrypted file to at least one business client; and the at least one business client inputs a response content based on the consultation content and the data obtained by decrypting the encrypted file and transmits the response content to the public client through the policy health check host for display. The method for generating insurance recommendations based on policy data and medical data as described in claim 6, wherein the step of calculating the level value of at least one health category based on the various diseases included in the public medical data is to calculate the sum of weight values of multiple health categories based on the International Classification of Diseases code included in the public medical data, and calculate the average of the sum of weight values of each health category, and correspond the basic value to the average value of each health category to generate the level value of each health category. The method for generating insurance recommendations based on policy information and medical information as described in claim 6, wherein the step of the at least one business client decrypting the encrypted file further includes the at least one business client obtaining information based on the file and sending a request message to the policy health check host, the policy health check host sending the request message to the citizen client, the citizen client generating a confirmation message corresponding to the request message and sending the confirmation message. The step of sending a confirmation message to the policy health check host, the policy health check host sending the confirmation message to the at least one insurance server, the at least one insurance server sending the encrypted file to the at least one business client according to the confirmation message, and the at least one business client decrypting the encrypted file to obtain the policy health check data, the health level data, the recommended product list, the insurance recommendation data, and/or the exclusive insurance information. A method for generating insurance recommendations based on policy information and medical information as described in claim 6, wherein before the policy health check host sends the response content to the citizen client, the method further includes a step of not sending the response content when the policy health check host determines that the response content contains content that does not comply with the rules. A method for generating insurance recommendations based on policy information and medical information as described in claim 6, wherein after the step of transmitting the response content to the citizen client for display via the policy health check host, the method further comprises the step of the policy health check host receiving at least one insurance product selected by the citizen client, and connecting to the at least one insurance server that provides the at least one insurance product to perform an online insurance operation corresponding to the at least one insurance product.

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