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WO2019119618A1 - Procédé, appareil et dispositif d'achat de produit d'assurance de santé et support de stockage lisible - Google Patents

Procédé, appareil et dispositif d'achat de produit d'assurance de santé et support de stockage lisible Download PDF

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Publication number
WO2019119618A1
WO2019119618A1 PCT/CN2018/074622 CN2018074622W WO2019119618A1 WO 2019119618 A1 WO2019119618 A1 WO 2019119618A1 CN 2018074622 W CN2018074622 W CN 2018074622W WO 2019119618 A1 WO2019119618 A1 WO 2019119618A1
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WIPO (PCT)
Prior art keywords
information
insurance
customer
health
underwriting
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
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PCT/CN2018/074622
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English (en)
Chinese (zh)
Inventor
谌弯
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Filing date
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Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019119618A1 publication Critical patent/WO2019119618A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 technical field of financial risk control systems, and in particular to a health insurance product insurance method, device, device and readable storage medium.
  • the main purpose of the present application is to provide a health insurance product insurance method, device, device and readable storage medium, which aims to solve the problem that the customer risk rating in the prior art cannot accurately reflect the customer risk situation.
  • the present application provides a health insurance product insurance method, and the health insurance product insurance method includes the following steps:
  • the insurance information includes insured product information, personal information, and health information
  • the policy is generated according to the insurance information, and the generated policy is delivered to the client held by the customer corresponding to the customer insurance information collected by the collection terminal for insurance.
  • the step of determining whether the customer has a coverage condition according to the underwriting rules, personal information, and health information includes:
  • the step of determining whether the evaluation result is less than a preset value comprises:
  • the customer is determined to have the underwriting condition.
  • the step of determining that the customer has the underwriting condition comprises:
  • the step of sending the prompt information for submitting the health certificate includes:
  • the client corresponding to the customer ID establishes a communication connection, and sends a prompt message for submitting the health certificate to the client.
  • the step of generating a policy according to the insurance information and delivering the generated policy to the client held by the customer corresponding to the customer insurance information collected by the collection terminal includes:
  • the information corresponding to the policy template in the insurance information is generated to generate a policy, and the generated policy is transmitted to the client held by the customer corresponding to the customer insurance information collected by the collection terminal to confirm the policy;
  • the confirmed policy is received and the policy is stored.
  • the present application further provides a health insurance product insurance device, and the health insurance product insurance device includes:
  • the receiving module is configured to receive customer insurance information collected and sent by the collecting terminal, where the insurance information includes insured product information, personal information, and health information;
  • a determining module for determining an underwriting rule for the insured product, and determining whether the customer has a condition of underwriting according to the underwriting rule, personal information, and health information;
  • the generating module is configured to generate a policy according to the insurance information when the customer has the underwriting condition, and deliver the generated policy to the client held by the customer corresponding to the customer insurance information collected by the collecting terminal for insurance.
  • the determining module comprises:
  • a determining unit configured to match the health information and the underwriting rules, and compare the personal information with the preset reference risk information to determine a risk factor in the personal information when the health information and the underwriting rules are successfully matched;
  • the determining unit is configured to evaluate the health information based on the risk factor, and determine whether the evaluation result is less than a preset value, and when the evaluation result is less than the preset value, determine that the customer has the underwriting condition.
  • the present application further provides a health insurance product insurance device
  • the health insurance product insurance device includes: a memory, a processor, a communication bus, and a health insurance product insurance program stored on the memory;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute the health insurance product insurance procedure to implement the following steps:
  • the insurance information includes insured product information, personal information, and health information
  • the policy is generated according to the insurance information, and the generated policy is delivered to the client held by the customer corresponding to the customer insurance information collected by the collection terminal for insurance.
  • the present application also provides a readable storage medium storing one or more programs, the one or more programs being executable by one or more processors Used for:
  • the insurance information includes insured product information, personal information, and health information
  • the policy is generated according to the insurance information, and the generated policy is delivered to the client held by the customer corresponding to the customer insurance information collected by the collection terminal for insurance.
  • the health insurance product insurance method, apparatus, device and readable storage medium of the embodiment receive the insurance information of the customer including the insured product, the personal information and the health information collected and transmitted by the collection terminal, and determine the underwriting rules of the insured product, Therefore, according to the underwriting rules, personal information and health information, it is determined whether the customer has the underwriting condition.
  • the insurance policy is generated according to the insurance information, and the generated policy is sent to the customer corresponding to the customer insurance information collected by the collection terminal.
  • Some clients are insured.
  • the solution is insured through the information exchange between the collection terminal, the management system and the client, and the collection terminal collects the customer's insurance information and uploads it to the management system.
  • the management system manages each health insurance product, insurance policy, etc., and approves the uploaded customer insurance information. And generate the client held by the customer corresponding to the customer insurance information collected by the collection terminal to avoid the unclear or fuzzy input, which requires repeated confirmation on the spot, improve the efficiency of insurance and underwriting, and reduce the sales staff and The waste of time and effort of the customer saves resources and improves the user experience.
  • FIG. 1 is a schematic flow chart of a first embodiment of a health insurance product insurance method according to the present application
  • FIG. 2 is a schematic diagram of functional modules of a first embodiment of a health insurance product insurance device of the present application
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the application provides a method for insuring health insurance products.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a health insurance product insurance application method according to the present application.
  • the health insurance product insurance method includes:
  • Step S10 Receive customer insurance information collected and transmitted by the collection terminal, where the insurance information includes the insured product, personal information, and health information;
  • the health insurance products in this program are suitable for the insurance of health insurance products through the information exchange of the collection terminal, the management system and the client; the health insurance is based on the body of the insured, and the insured suffers from illness or accidental injury. Financial compensation for the loss of medical expenses incurred in the accident. Health insurance can be divided into: sickness insurance, medical insurance, disability insurance and nursing insurance.
  • the collection terminal is a mobile terminal held by a health insurance product salesperson, and may be a mobile computer or a tablet computer, etc., for collecting customer insurance information; the management system manages various health insurance products and individual user policies, and the customer The insurance information is underwritten; the client is a mobile terminal held by the client, which can be a mobile phone, a tablet computer, etc., and is used for interactive communication with the management system to confirm and feedback the files sent by the management system.
  • the collection terminal display interface displays product information of various health insurance products. When the customer determines the insured intention according to the product information and the demand thereof, the selection instruction is sent to the collection terminal. When receiving a selection instruction for the health insurance product corresponding to the insured intention, jump to the information entry page.
  • the information entry page is provided with guidance information, such as required fields, age format types, etc., to guide the customer to enter the customer insurance information that meets the requirements.
  • Receiving personal information and health information input by the customer according to the guidance information including personal name, gender, document type, document number, date of birth, nature of work, work link, working years, communication methods, etc.; health information includes Disease information, injury information, medical information, rehabilitation information, etc. of the insured.
  • the entered personal information and health information are transmitted to the management system as insurance information together with the insured product corresponding to the insured intention, and the management system receives the insurance information collected and transmitted by the collection terminal.
  • Step S20 determining an underwriting rule for the insured product, and determining, according to the underwriting rule, personal information, and health information, whether the customer has a condition for underwriting;
  • the management system determines the underwriting rules of the insured product according to the insured products in the insurance information.
  • the back-end of the financial institution sets a number indicating the uniqueness of the health insurance product for each type of health insurance product.
  • the number of the insured product is obtained, and the corresponding number corresponding to the number is found from all the insured products in the management system.
  • Insuring the product to obtain the underwriting rules for the insured product wherein the underwriting rules may include: the insured qualification verification, the insured qualification verification, the high-value insurance qualification verification, etc., such as the insured's full civil capacity for 18 years of age or older.
  • the annual premium paid by a person shall not exceed 20% of his annual income; the insured may not suffer from a nauseous tumor, have a fixed job, a fixed address, or a fixed income, and the insured may not exceed 20 times his annual income; When the insured is insured once or the accumulated insured amount exceeds 500,000 yuan, it is a high amount of insurance.
  • the personal information and health information in the customer insurance information are compared with the underwriting rules to determine whether the customer meets the underwriting rules and has the underwriting conditions.
  • step S30 when it is determined that the customer has the underwriting condition, the policy is generated according to the insurance information, and the generated policy is delivered to the client held by the customer corresponding to the customer insurance information collected by the collection terminal for insurance.
  • the customer has the underwriting condition, and the policy is generated according to the customer insurance information, and the generated policy is issued to the client for insurance, wherein the client is
  • the collection terminal collects the terminal held by the customer corresponding to the customer insurance information.
  • Step S31 Grab the information corresponding to the policy template in the insurance information to generate a policy, and transmit the generated policy to the client held by the customer corresponding to the customer insurance information collected by the collection terminal, to confirm the policy;
  • the collected insurance information including personal information and health information is more, which involves the underwriting information for underwriting, and also involves generating the insurance policy.
  • Information In order to standardize policy management, a policy template is set, and each customer-specific information is entered into the policy template to generate a personal policy corresponding to the customer. After the underwriting is completed, the information corresponding to the policy template in the customer insurance information is captured to generate a policy. If the policy template includes customer name, gender, ID number, etc., the information is captured from the personal information and entered into the insurance template, until the required items in the insurance template are entered, the policy is generated, and the policy is generated.
  • the policy is transmitted to the client held by the customer corresponding to the customer insurance information collected by the collection terminal.
  • the client receives the policy, it sends a prompt message to prompt the customer to view, the customer views and sends a confirmation command through the client, realizes the confirmation of the policy, and sends the confirmed policy to the management system.
  • the customer can also consult the location of the policy in question, and the background can match the corresponding response according to the received consultation keyword, or establish a manual connection for the customer and conduct manual consultation.
  • step S32 the confirmed policy is received, and the policy is stored.
  • the management system When the management system receives the policy confirmed by the customer, it indicates that the customer has no objection to the policy, and the two parties reach an agreement, and the management system stores the policy for backup.
  • the management system back-end database establishes a storage area for each customer. When a new customer applies for purchasing a health insurance product, the database allocates a unique storage area for the new customer to distinguish it from other customers; various information of the new customer is stored in the storage. In the area, the data of subsequent interactions are also stored in this area for backup for subsequent queries.
  • the health insurance product insurance method of the embodiment adopts the customer insurance information including the insured product, the personal information and the health information collected and transmitted by the collection terminal, and determines the underwriting rules of the insured product, thereby according to the underwriting rules, personal information and The health information determines whether the customer has the underwriting condition.
  • the policy is generated according to the insurance information, and the generated policy is issued to the client held by the customer corresponding to the customer insurance information collected by the collection terminal for insurance.
  • the solution is insured through the information exchange between the collection terminal, the management system and the client, and the collection terminal collects the customer's insurance information and uploads it to the management system.
  • the management system manages each health insurance product, insurance policy, etc., and carries out the insurance information of the uploaded customer.
  • Approved and generated the client held by the customer corresponding to the customer insurance information collected by the policy to the collection terminal avoiding the illegible or fuzzy entry, requiring repeated confirmation on the spot, improving the efficiency of insurance and underwriting, and reducing the sales staff. And the waste of time and energy of the customer, saving resources and improving the user experience.
  • the step of determining whether the customer has the underwriting condition according to the underwriting rules, personal information, and health information includes:
  • Step S21 matching the health information with the underwriting rules, and comparing the personal information with the preset reference risk information when the health information and the underwriting rules are successfully matched, determining the risk factor in the personal information;
  • the customer's health information meets the corresponding health conditions in the underwriting rules, such as the customer who meets any of the following rules in the matching rule cannot purchase Any health insurance products: 1, dementia, psychiatric diseases; 2, the company has determined that the body is highly disabled; 3, suffering from malignant tumors; 4, cirrhosis, chronic alcoholism; 5, uremia, nephrectomy within three years; AIDS or HIV carriers.
  • the health information including the disease information, the injury information, the medical information, the rehabilitation information, and the underwriting rules are matched.
  • the present embodiment preliminarily sets factors that may cause disease or sub-health as reference risk information. For example, whether living habits are heavy oil, heavy alcohol, whether it is alcoholic, whether it is late for sleep, the time of late sleep, whether smoking or smoking, and whether the working environment is polluted, whether the work is late, or the working years.
  • the factors that may affect the health of the customer are taken as the preset reference risk information, and the personal information in the customer insurance information is compared with the preset reference risk information to determine the risk factor existing in the personal information, and the risk factor is personal information.
  • the preset reference risk information existing in the personal information such as alcohol in the preset reference risk information, and late sleep, the risk factors are alcoholism and late sleep.
  • the customer's health information is further evaluated through the risk factors present in the personal information.
  • Step S22 evaluating health information based on the risk factor, and determining whether the evaluation result is less than a preset value
  • the health information is evaluated based on the risk factor to determine the potential impact of the risk factor on the health status of the customer. Understandably, when the number of risk factors included in the personal information is large and the risk is high, the greater the likelihood that the customer is latent, the greater the potential impact of the assessed customer's health status. For example, the personal information shows that the customer's working environment has more dust, while the long-term late sleep and late sleep are after two in the morning. Correspondingly, when the number and risk of risk factors are small, the less likely the client is to have a latent disease, the less likely the potential impact of the assessed customer's health status. If the risk factor is late for sleep, sleep late before 12:30.
  • the health information is evaluated by the risk factor determined in the customer's personal information, and the evaluation score is set as the evaluation result. For example, when the risk factor in the personal information is within 3 and the risk level is low, the score is evaluated. A; while the risk factor is between 3 and 5, and the risk level of any one of the risk factors is medium, the evaluation score is B; when the risk factor is more than 5, and there is a risk level of any one of the risk factors For advanced, the score is evaluated as C.
  • Different evaluation scores show that the risk factors have different effects on health information. The lower the score, the smaller the impact of risk factors on health information. The higher the score, the more the risk factor affects health information. Big.
  • the program In order to determine whether the impact of the risk factor on the health information is related to the purchase of the health insurance product, the program has a preset value, which is preset according to the demand, after the health information is evaluated based on the risk factor, and the evaluation result is obtained, The evaluation result and the preset value are judged to determine whether the customer health information after the risk factor evaluation meets the underwriting condition.
  • step S23 when the evaluation result is less than the preset value, it is determined that the customer has the underwriting condition.
  • the result of the judgment may also be that the evaluation result is greater than the preset value, thereby determining whether the evaluation result is less than the preset value, and the following steps include:
  • Step S24 when the evaluation result is greater than or equal to the preset value, sending the prompt information for submitting the health certificate;
  • a prompt to submit a health certificate is sent to prove that the customer's health status is normal.
  • the prompt information may be sent to the collection terminal or directly to the client.
  • the collection terminal receives the prompt information, and then the salesperson informs the customer to avoid the customer forgetting the event; when sending to the client, Can be operated by the customer.
  • the prompt information may include which type of health certificate is required, such as a certificate for the top three hospitals in the lungs or liver to ensure that the submitted health certificate meets the requirements and avoid wasting the customer's time and effort.
  • step S25 when the health certificate is received and the result in the health certificate is normal, it is determined that the customer has the underwriting condition.
  • the health certificate can be uploaded to the management system through the collection terminal or the client.
  • the management system tests the results in the health certificate to determine whether the customer's health status is normal. When the result of detecting the health certificate is normal, it indicates that the customer's health condition is normal, and the customer is determined to have the underwriting condition and can be insured. When the result in the health certificate is abnormal, it indicates that the customer's health status is abnormal, and it is determined that the customer does not have the underwriting condition and cannot be insured.
  • the step of determining that the customer has the underwriting condition comprises:
  • Step S251 when the result in the health certificate is normal, detecting the authenticity of the health certificate
  • the present embodiment further detects the authenticity of the health certificate when the result of detecting the health certificate is normal.
  • the management system is connected with a third-party verification institution, when the authenticity detection is required, the communication interface of the third-party verification institution is called, and the third-party verification institution establishes communication, and the health certificate is transmitted to the third-party organization for detection, and the detection is performed. The results are passed back to the management system.
  • step S252 when it is detected that the health certificate is true, it is determined that the customer has the underwriting condition.
  • the health certificate When it is detected that the health certificate is true, that is, the health certificate is true and effective, it can be determined that the customer has the underwriting condition, and the customer terminal is sent to the collection terminal and the client to inform the customer that the condition is covered.
  • the step of sending the prompt information for submitting the health certificate includes:
  • Step S241 when the evaluation result is greater than or equal to the preset value, obtaining the customer ID in the personal information;
  • the communication connection with the client is first established, and then the sending operation is performed.
  • the customer insurance information is received, the customer is assigned a customer ID that characterizes its uniqueness, and the customer ID is associated with the insurance information.
  • you need to send a prompt message you can get the object to be sent by obtaining this customer ID.
  • the client may also pay attention to the WeChat public account or the Weibo account of the financial institution to which the insured product belongs, and associate the client's account as the customer ID with the insurance information to determine the customer ID according to the insurance information.
  • Step S242 the client corresponding to the customer ID establishes a communication connection, and sends the prompt information for submitting the health certificate to the client.
  • the client corresponding to the customer ID establishes a communication connection, and the connection mode is a wireless network connection, and the prompt information for submitting the health certificate is sent to the client through the wireless network connection.
  • the present application provides a health insurance product insurance device.
  • the health insurance product insurance device includes:
  • the receiving module 10 is configured to receive customer insurance information collected and sent by the collection terminal, where the insurance information includes insured product information, personal information, and health information;
  • the health insurance products in this program are suitable for the insurance of health insurance products through the information exchange of the collection terminal, the management system and the client; the health insurance is based on the body of the insured, and the insured suffers from illness or accidental injury. Financial compensation for the loss of medical expenses incurred in the accident. Health insurance can be divided into: sickness insurance, medical insurance, disability insurance and nursing insurance.
  • the collection terminal is a mobile terminal held by a health insurance product salesperson, and may be a mobile computer or a tablet computer, etc., for collecting customer insurance information; the management system manages various health insurance products and individual user policies, and the customer The insurance information is underwritten; the client is a mobile terminal held by the client, which can be a mobile phone, a tablet computer, etc., and is used for interactive communication with the management system to confirm and feedback the files sent by the management system.
  • the collection terminal display interface displays product information of various health insurance products. When the customer determines the insured intention according to the product information and the demand thereof, the selection instruction is sent to the collection terminal. When receiving a selection instruction for the health insurance product corresponding to the insured intention, jump to the information entry page.
  • the information entry page is provided with guidance information, such as required fields, age format types, etc., to guide the customer to enter the customer insurance information that meets the requirements.
  • Receiving personal information and health information input by the customer according to the guidance information including personal name, gender, document type, document number, date of birth, nature of work, work link, working years, communication methods, etc.; health information includes Disease information, injury information, medical information, rehabilitation information, etc. of the insured.
  • the entered personal information and the health information are transmitted to the management system as the insurance information together with the insurance product corresponding to the insurance intention, and the receiving module 10 receives the insurance information collected and transmitted by the collecting terminal.
  • the determining module 20 is configured to determine an underwriting rule for the insured product, and determine, according to the underwriting rule, personal information, and health information, whether the customer has a underwriting condition;
  • the management system determines, according to the insured product in the insurance information, the determining module 20 determines the underwriting rules of the insured product.
  • the back-end of the financial institution sets a number indicating the uniqueness of the health insurance product for each type of health insurance product.
  • the number of the insured product is obtained, and the corresponding number corresponding to the number is found from all the insured products in the management system.
  • the underwriting rules may include: the insured qualification verification, the insured qualification verification, the high-value insurance qualification verification, etc., such as the insured's full civil capacity for 18 years of age or older.
  • the annual premium paid by a person shall not exceed 20% of his annual income; the insured may not suffer from a nauseous tumor, have a fixed job, a fixed address, or a fixed income, and the insured may not exceed 20 times his annual income; When the insured is insured once or the accumulated insured amount exceeds 500,000 yuan, it is a high amount of insurance.
  • the determining module 20 compares the personal information and the health information in the customer insurance information with the underwriting rules to determine whether the customer satisfies the underwriting rules and has the underwriting conditions.
  • the generating module 30 is configured to: when determining that the customer has the underwriting condition, generate a policy according to the insurance information, and deliver the generated policy to the client held by the customer corresponding to the customer insurance information collected by the collecting terminal for insuring.
  • the generating module 30 When the personal information in the customer insurance information and the health information meet the underwriting rules of the insured product, the customer has the underwriting condition, and the generating module 30 generates a policy according to the customer insurance information, and the generated policy is delivered to the client for insurance, wherein The client collects the terminal held by the client corresponding to the customer insurance information for the collection terminal. Specifically, the generating module 30 is configured to perform the following steps:
  • step q1 the information corresponding to the policy template in the insurance information is generated to generate a policy, and the generated policy is transmitted to the client held by the customer corresponding to the customer insurance information collected by the collection terminal to confirm the policy;
  • the collected insurance information including personal information and health information is more, which involves the underwriting information for underwriting, and also involves generating the insurance policy.
  • Information In order to standardize policy management, a policy template is set, and each customer-specific information is entered into the policy template to generate a personal policy corresponding to the customer. After the underwriting is completed, the information corresponding to the policy template in the customer insurance information is captured to generate a policy. If the policy template includes customer name, gender, ID number, etc., the information is captured from the personal information and entered into the insurance template, until the required items in the insurance template are entered, the policy is generated, and the policy is generated.
  • the policy is transmitted to the client held by the customer corresponding to the customer insurance information collected by the collection terminal.
  • the client receives the policy, it sends a prompt message to prompt the customer to view, the customer views and sends a confirmation command through the client, realizes the confirmation of the policy, and sends the confirmed policy to the management system.
  • the customer can also consult the location of the policy in question, and the background can match the corresponding response according to the received consultation keyword, or establish a manual connection for the customer and conduct manual consultation.
  • step q2 the confirmed policy is received, and the policy is stored.
  • the management system When the management system receives the policy confirmed by the customer, it indicates that the customer has no objection to the policy, and the two parties reach an agreement, and the management system stores the policy for backup.
  • the management system back-end database establishes a storage area for each customer. When a new customer applies for purchasing a health insurance product, the database allocates a unique storage area for the new customer to distinguish it from other customers; various information of the new customer is stored in the storage. In the area, the data of subsequent interactions are also stored in this area for backup for subsequent queries.
  • the health insurance product insurance device of the embodiment receives the customer insurance information including the insured product, the personal information and the health information collected and transmitted by the collecting terminal through the receiving module 10, and determines the underwriting rule of the insured product through the determining module 20, thereby The underwriting rules, the personal information, and the health information determine whether the customer has the underwriting condition.
  • the generating module 30 When the customer has the underwriting condition, the generating module 30 generates a policy according to the insurance information, and sends the generated policy to the customer corresponding to the customer insurance information collected by the collecting terminal.
  • the client held is insured.
  • the solution is insured through the information exchange between the collection terminal, the management system and the client, and the collection terminal collects the customer's insurance information and uploads it to the management system.
  • the management system manages each health insurance product, insurance policy, etc., and carries out the insurance information of the uploaded customer. Approved and generated the client held by the customer corresponding to the customer insurance information collected by the policy to the collection terminal, avoiding the illegible or fuzzy entry, requiring repeated confirmation on the spot, improving the efficiency of insurance and underwriting, and reducing the sales staff. And the waste of time and energy of the customer, saving resources and improving the user experience.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the health insurance product insurance device in the embodiment of the present application may be a PC, or may be a terminal device such as a smart phone, a tablet computer, an e-book reader, or a portable computer.
  • the health insurance product insurance device may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005.
  • 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 health insurance product insurance device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface.
  • the network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).
  • the health insurance product insurance device structure shown in FIG. 3 does not constitute a limitation on the health insurance product insurance device, and may include more or less components than the illustration, or combine some components. Or different parts arrangement.
  • an operating system As shown in FIG. 3, an operating system, a network communication module, and a health insurance product insurance program may be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the health and safety products to insure equipment hardware and software resources, and supports the operation of health insurance product insurance procedures and other software and/or programs.
  • the network communication module is used to implement communication between components within the memory 1005 and to communicate with other hardware and software in the health insurance product insurance device.
  • the processor 1001 is configured to execute the health insurance product insurance program stored in the memory 1005, and implement the steps in the embodiments of the health insurance product insurance method.
  • the application provides a readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for implementing the above-described health insurance The steps in the various embodiments of the product insured method.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente concerne un procédé, un appareil et un dispositif d'achat de produit d'assurance de santé et un support de stockage lisible. Le procédé consiste : à recevoir des informations d'assurance de l'usagé collectées et envoyées par un terminal de collecte, les informations d'assurance consistant en des informations de produit d'assurance, des informations personnelles et des informations de santé (S10) ; à déterminer une règle de tarification du produit d'assurance et à déterminer si un possède une condition d'approbation selon la règle de tarification, les informations personnelles et les informations de santé (S20) ; et lorsqu'il est déterminé que l'usagé possède la condition d'approbation, à générer une police d'assurance selon les informations d'assurance et à émettre la police d'assurance générée à un client détenu par un usagé correspondant aux informations d'assurance de l'usagé collectées par le terminal de collecte destinées à l'assurance (S30). Selon la présente solution, l'assurance est mise en œuvre au moyen d'une interaction d'informations entre un terminal de collecte, un système de gestion et un client, le terminal de collecte collecte des informations d'assurance de l'usagé et téléverse les informations d'assurance de l'usagé au système de gestion et le système de gestion contrôle et vérifie les informations d'assurance téléversées, génère une police d'assurance et émet la police d'assurance générée au client, de manière à ce qu'une situation dans laquelle une confirmation répétée doit être exécutée sur la scène parce que l'écriture manuscrite d'entrée n'est pas claire soit évitée et l'efficacité d'assurance et de tarification soit améliorée.
PCT/CN2018/074622 2017-12-21 2018-01-30 Procédé, appareil et dispositif d'achat de produit d'assurance de santé et support de stockage lisible Ceased WO2019119618A1 (fr)

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