WO2018149191A1

WO2018149191A1 - Method, apparatus and device for underwriting insurance policy, and computer-readable storage medium

Info

Publication number: WO2018149191A1
Application number: PCT/CN2017/111902
Authority: WO
Inventors: 李欢欢; 金飞虎; 仇一; 薛燕; 米艺
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-02-20
Filing date: 2017-11-20
Publication date: 2018-08-23
Also published as: CN107688590A

Abstract

Disclosed is a method for underwriting an insurance policy. The method comprises: when an insurance policy underwriting instruction is received, determining an insurance product corresponding to an insurance policy to be underwritten and attribute elements included in the insurance product; acquiring, from a pre-set rule base, rules corresponding to the determined attribute elements according to a correlation between pre-set attribute elements and rules; and analysing the attribute elements corresponding to the insurance product using the acquired rules so as to determine an underwriting result for the insurance policy. Also disclosed are an apparatus and device for underwriting an insurance policy, and a computer-readable storage medium. In the present application, analysing the attribute elements in the insurance policy according to rules corresponding to the attribute elements so as to determine an underwriting result for the insurance policy is equivalent to classifying an insurance policy using rules, and instead of carrying out manual underwriting on all the insurance policies, manual underwriting is carried out when manual underwriting is needed, thereby avoiding a waste of human resources, and improving the efficiency of underwriting an insurance policy.

Description

Method, device, device and computer readable storage medium for policy underwriting

The present application claims priority to Chinese Patent Application, filed on Jan. 20, 2017, filed Jan. in.

Technical field

The present application relates to the field of insurance, and in particular, to a method, an apparatus, a device, and a computer readable storage medium for policy underwriting.

Background technique

Currently, after the insurance system generates the policy, the policy needs to be underwritten to determine whether the information in the policy meets the insurance requirements. The current method of underwriting the policy is generally underwritten by labor. Due to the different types of insurance included in the policy, there are many factors related to various types of insurance. If it is manually underwritten, it will not only cause a lot of manpower consumption, but also the efficiency of policy underwriting is low.

Summary of the invention

The main purpose of the present application is to provide a policy, method, device, and computer readable storage medium, which are intended to solve the current method of underwriting the policy, which not only causes a large amount of labor consumption, but also the policy underwriting. Less efficient technical issues.

To achieve the above objective, the present application provides a policy underwriting method, which includes:

When receiving the policy underwriting policy, determining the type of insurance corresponding to the policy to be insured, and the attribute elements included in the insurance;

Obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

Using the acquired rules, the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.

In addition, in order to achieve the above object, the present application further provides a policy underwriting device, where the policy underwriting device includes:

a determining module, configured to determine, when receiving the policy underwriting policy, a type of insurance corresponding to the policy to be insured, and an attribute element included in the insurance type;

Get the module, For obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

And an analysis module, configured to analyze the corresponding attribute element in the insurance to determine the underwriting result of the policy by using the obtained rule.

Further, in order to achieve the above object, the present invention also provides a policy underwriting device, the policy underwriting device comprising a processor, and a memory storing a program for policy overwriting; the processor for executing The policy of the policy underwriting to implement the steps of the policy underwriting method described above.

Furthermore, in order to achieve the above object, the present invention also provides a computer readable storage medium storing a program for policy overwriting, the program of the policy underwriting being executed by a processor to implement The steps of the policy underwriting method described above.

The policy underwriting method and apparatus proposed by the present application first determines the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type, and then in the preset rule base when receiving the policy underwriting policy And obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine The underwriting result of the policy. According to the rules corresponding to the attribute elements, the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all The insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a method for checking a policy of a policy of the present application;

2 is a schematic diagram of a refinement process of step S30 in FIG. 1;

3 is a schematic diagram showing the refinement process of step S31 in FIG. 2;

4 is a schematic diagram of functional modules of a first embodiment of a device for policy check-in of the present application;

5 is a schematic diagram of a refinement function module of the analysis module 30 of FIG. 4;

6 is a schematic diagram of a refinement function module of the query sub-module 31 of FIG. 5;

FIG. 7 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

detailed description

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The application provides a policy underwriting method.

Referring to FIG. 1, FIG. 1 is a schematic flowchart of a first embodiment of a policy for guaranteeing a policy according to the present application.

In this embodiment, the policy for the policy underwriting includes:

When receiving the policy underwriting policy, determining the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type; in the preset rule base, according to the corresponding relationship between the preset attribute element and the rule, Obtaining a rule corresponding to the determined attribute element; using the obtained rule, analyzing the corresponding attribute element in the insurance to determine a guarantee result of the policy.

The following are the specific steps for gradually realizing the policy underwriting in this embodiment:

Step S10, when receiving the policy underwriting guarantee instruction, determining the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type.

In this embodiment, the policy underwriting method is applied to a background management system. Specifically, the background management system first displays a system interface, and the system interface displays a policy underwriting control, when the administrator clicks on the policy. When the control is underwritten, the policy selection window pops up. When the administrator selects the policy based on the policy selection window and selects the completion, the background management system is equivalent to receiving the policy underwriting instruction, and the policy selected based on the selection window is selected. As the policy to be insured, and determine the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance.

Of course, when the administrator clicks the policy underwriting control, the policy underwriting policy is triggered, and then the background management system pops up the policy selection window based on the policy underwriting policy, and the administrator When the corresponding policy is selected based on the selection window of the policy, and the selection is completed, the background management system uses the policy selected by the administrator as the policy to be verified, and determines the insurance type corresponding to the insurance policy to be insured and the attribute elements included in the insurance.

In this embodiment, it is preferably applied to a scenario in which a large-volume policy is underwritten. Therefore, the policy selected in the policy selection window is also selected in batches.

In this embodiment, the policy is an insurance policy; the insurance is the corresponding insurance type in the policy, such as health insurance, personal insurance, accident insurance, etc.; the insurance includes the attribute elements, such as the insurance amount of the insurance, Copies, total order premiums, etc.

In step S20, in the preset rule base, according to the corresponding relationship between the preset attribute element and the rule, the determined rule corresponding to the attribute element is obtained.

In this embodiment, after determining the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance, in the preset rule base, obtaining the determination according to the corresponding relationship between the preset attribute element and the rule The rule corresponding to the attribute element. That is to say, in the rule base, the correspondence table of the attribute elements and the rules has been pre-stored, and then after determining the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance, In the rule base, the rules corresponding to the attribute elements are obtained. In this embodiment, the rules corresponding to the attribute elements include, but are not limited to, the standard values of the attribute elements and the check conditions.

Step S30, using the acquired rule, analyzing the corresponding attribute element in the insurance to determine the underwriting result of the policy.

After obtaining the rule corresponding to the attribute element in the rule base, using the obtained rule, analyzing the corresponding attribute element in the insurance type to determine the underwriting result of the policy, wherein The underwriting results include qualified, refusal, and artificial underwriting. In this embodiment, the number of attribute elements preferably includes a plurality of, and the specific number is set according to actual conditions, and details are not described herein. Referring to FIG. 2, the attribute element includes a plurality of attribute elements, and the step S30 includes:

Step S31, querying the actual value of each attribute element in the insurance type;

Step S32, obtaining standard values of the respective attribute elements from the rules corresponding to the respective attribute elements, and verifying conditions corresponding to the respective attribute elements;

Step S33, comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes Meet the requirements and do not meet the requirements;

Step S34, determining the underwriting result of the policy according to the comparison result of each attribute element.

That is, the actual value of each attribute element is first searched for in the insurance policy of the policy, and the actual value is the value indicated according to the actual situation of the insured when the policy is generated.

In this embodiment, it should be noted that a plurality of attribute elements are included in the insurance, but not all attribute elements are related to the insurance, and some attribute elements are not related to the insurance, and there is no relevant attribute. The element does not have a standard value set, and subsequent comparisons cannot be made even if the actual value is obtained. For example, the current insurance is health insurance, health insurance includes a variety of attribute elements, such as the insurance amount, the number of copies, the total single premium, the system only sets the insurance amount and the total single premium in advance related to health insurance, then beforehand The standard value corresponding to the insured amount and the total single premium is set. It can be known that the attribute element of the number of copies is not related to the health insurance, and it is not necessary to set the standard value in advance. Therefore, in this embodiment, referring to FIG. 3, the step S31 includes:

Step S311, determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;

Step S312, querying actual values of the respective attribute elements related to the insurance.

That is to say, among the attribute elements included in the insurance, each attribute element related to the insurance type is determined, and the actual value of each attribute element related to the insurance type may be queried.

After querying the actual values of the respective attribute elements in the insurance, the standard values of the respective attribute elements and the verification conditions corresponding to the respective attribute elements are obtained from the rules corresponding to the respective attribute elements. It should be noted that in the development of a new type of insurance, it is necessary to set the correlation of each attribute element in the insurance type, and set a standard value and verification condition for the attribute element of the setting correlation for subsequent automatic underwriting use. The standard values of the attribute elements and the specific setting of the check conditions are described in more detail below.

After obtaining the standard values of the respective attribute elements and the verification conditions corresponding to the respective attribute elements, the actual values and the respective attributes of the respective attribute elements may be obtained according to the verification conditions corresponding to the respective attribute elements. The standard values corresponding to the elements are compared to determine the comparison result of the respective attribute elements, wherein the comparison result includes two requirements: a compliance requirement and a non-compliance requirement.

Specifically, the manner of comparing the actual value of each attribute element with the standard value corresponding to each attribute element according to the verification condition corresponding to each attribute element, to determine the comparison result of each attribute element includes:

1) determining the verification condition when the actual value is greater than or equal to the standard value;

If the verification condition is that the actual value is less than the standard value, the comparison result of the attribute element is that the requirement is not met;

If the verification condition is that the actual value is greater than or equal to the standard value, the comparison result of the attribute element is in compliance with the requirement.

2) determining the verification condition when the actual value is less than the standard value;

If the verification condition is that the actual value is less than the standard value, the comparison result of the attribute element is that the requirement is met;

If the verification condition is that the actual value is greater than or equal to the standard value, the comparison result of the attribute element is not satisfactory.

It should be understood that the above comparison method is only for the convenience of understanding, and the specific manner is adopted according to the actual situation.

For better understanding, for example: the current insurance is accident insurance, the attribute element of the insurance is the insurance amount, the actual amount of the insurance amount is 90000, if the standard insurance amount of the attribute element in the rule base is 100000, and the If the verification condition is not exceeded, then according to the verification condition, after the actual insurance amount is 90000 and the standard insurance amount is 100000, it is found that the comparison result of the attribute element meets the verification condition, and the attribute is known. The result of the comparison of the elements is in line with the requirements. The comparison method of the other attribute elements is the same as the above, and no redundant description is made here.

Finally, the underwriting result of the policy is determined based on the comparison result of each attribute element. Specifically, the step S34 includes:

Each attribute element is classified according to the comparison result of each attribute element;

If the ratio of the required attribute elements to all attribute elements is within a preset threshold, it is determined that the underwriting result of the policy is artificial underwriting;

If the ratio of the quantity of the attribute element that meets the requirement to the quantity of all the attribute elements is less than the minimum boundary value of the preset threshold range, determining that the policy of the policy is a refusal;

If the ratio of the required attribute elements to the total number of attribute elements is greater than the maximum boundary value of the preset threshold range, it is determined that the underwriting result of the policy is qualified.

In this embodiment, after determining the comparison result of each attribute element, according to the comparison result of each attribute element, each attribute element is divided into two categories, that is, one category that meets the requirements, and one category that does not meet the requirements. And determine the number of the two categories. Then, the number of attribute elements that meet the requirements is divided by the total number of all attribute elements, and the ratio of the quantity of the attribute elements that meet the requirements to all the attribute elements is obtained, and the quantity ratio is compared with a preset threshold range, if the quantity ratio is A minimum boundary value that is less than the preset threshold range, indicating that most of the attribute elements in the policy do not meet the requirements, and the underwriting result of the policy is set to be rejected; if the quantity ratio is greater than the preset threshold range The maximum boundary value, indicating that most of the attribute elements in the policy meet the requirements, then the underwriting result of the policy is set to pass; if the quantity ratio is within the preset threshold, the underwriting result of the policy is Set to manual underwriting to facilitate manual for further underwriting.

It should be understood that this program is to prevent the underwriters from viewing all the information in the policy, but to semi-automatically control some of the information in the policy to determine which ones need to be rejected and which are needed. Manually underwriting, which are qualified, and then underwriting the policy that requires manual underwriting, and the policy of refusal or qualified does not need to be manually checked, saving time and improving work efficiency.

The policy underwriting method proposed in this embodiment first determines the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type, and then in the preset rule base, when receiving the policy underwriting insurance instruction. Obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine the The underwriting result of the policy. According to the rules corresponding to the attribute elements, the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all The insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.

Further, the second embodiment of the policy underwriting method of the present application is proposed based on the first embodiment. In the embodiment, before the step S10, the method for the policy underwriting includes:

Step A, determining various attribute elements included in the insurance;

Step B, setting correlations for each attribute element included in the insurance type;

Step C: when the attribute element is an attribute element related to the insurance type, setting a standard value and a verification condition for the attribute element;

Step D: adding an identifier of the attribute element to the standard value and the verification condition, and storing the rule as the attribute element in the rule base.

In this embodiment, before the policy is underwritten, the insurance is first set, that is, when the insurance is developed, the attribute elements included in the insurance are specified, and then the relevant attribute elements included in the insurance are correlated. Settings, which attribute elements need to be set according to the specific needs of the insurance. In this embodiment, it is preferable to add a preset flag bit to the attribute element that needs to be related to the insurance setting, such as 1, and the attribute element that does not need to set the correlation may set another flag bit such as 0, or do not make any settings. After the correlation is set on the attribute element, a standard value and a verification condition are set on the attribute element, and finally the identifier of the attribute element is added to the standard value and the verification condition as a rule storage of the attribute element. Go to the rule base. In order to facilitate the subsequent policy underwriting, the underwriting analysis of the policy is carried out according to the rules preset by the attribute elements.

In this embodiment, the rules corresponding to the various attribute elements of the insurance are set in advance, and the policies are conveniently classified by the rules, and the manual underwriting is required, and not all the policies are manually underwritten, thereby avoiding The waste of manpower has improved the efficiency of policy underwriting.

It should be noted that those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable state. In the storage medium, the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

The application further provides a device for underwriting a policy.

Referring to FIG. 4, FIG. 4 is a schematic diagram of functional modules of the first embodiment of the policy underwriting device 100 of the present application.

It should be emphasized that, for those skilled in the art, the functional block diagram shown in FIG. 4 is merely an exemplary diagram of a preferred embodiment, and those skilled in the art will surround the function of the policy underwriting device 100 shown in FIG. Modules can be easily supplemented by new function modules; the names of the function modules are custom names, which are only used to assist in understanding the various program function blocks of the policy underwriting device 100, and are not used to limit the technical solution of the present application. At the heart of the application for a technical solution is the function to be achieved by the functional modules of each defined name.

In this embodiment, the policy underwriting device 100 includes:

The determining module 10 is configured to: when receiving the policy underwriting instruction, determine the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance type;

Obtaining module 20, For obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

The analyzing module 30 is configured to analyze, by using the acquired rules, the corresponding attribute elements in the insurance to determine the underwriting result of the policy.

In this embodiment, the policy underwriting method is applied to a background management system. Specifically, the background management system first displays a system interface, and the system interface displays a policy underwriting control, when the administrator clicks on the policy. When the control is underwritten, the policy selection window pops up. When the administrator selects the policy based on the policy selection window and selects the completion, the background management system is equivalent to receiving the policy underwriting instruction, and the determination module 10 will be based on the selection window. The selected policy is used as the policy to be insured, and the insurance type corresponding to the insurance policy and the attribute elements included in the insurance type are determined.

Of course, when the administrator clicks the policy underwriting control, the policy underwriting policy is triggered, and then the background management system pops up the policy selection window based on the policy underwriting policy, and the administrator When the corresponding policy is selected based on the selection window of the policy, and the selection is completed, the determining module 10 regards the policy selected by the administrator as the policy to be verified, and determines the insurance type corresponding to the insurance policy to be insured and the attribute elements included in the insurance.

In this embodiment, after the determining module 10 determines the insurance type corresponding to the policy to be insured, and the attribute elements included in the insurance, the obtaining module 20 is in the preset rule base, according to the preset attribute elements and rules. Corresponding relationship, obtaining the determined rule corresponding to the attribute element. That is to say, in the rule base, the correspondence table of the attribute elements and the rules has been pre-stored, and then the determining module 10 determines the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance type, and acquires the module. 20, in the rule base, obtain a rule corresponding to the attribute element. In this embodiment, the rules corresponding to the attribute elements include, but are not limited to, the standard values of the attribute elements and the check conditions.

In this embodiment, after the obtaining module 20 obtains the rule corresponding to the attribute element, the analyzing module 30 uses the obtained rule to analyze the corresponding attribute element in the insurance type. Determining the underwriting result of the policy, wherein the underwriting result includes a pass, a refusal, and an artificial underwriting. In this embodiment, the number of attribute elements preferably includes a plurality of, and the specific number is set according to actual conditions, and details are not described herein. In the attribute element including a plurality of attribute elements, referring to FIG. 5, the analysis module 30 includes:

The query sub-module 31 is configured to query the actual value of each attribute element in the insurance type;

The obtaining sub-module 32 is configured to obtain a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

The comparison sub-module 33 is configured to compare the actual value of each attribute element with a standard value corresponding to each attribute element according to a verification condition corresponding to each attribute element, to determine a comparison result of each attribute element, wherein The results of the comparison include both compliance and non-compliance;

The determining sub-module 34 is configured to determine the underwriting result of the policy according to the comparison result of the respective attribute elements.

That is, the query sub-module 31 first queries the actual value of each attribute element in the insurance type of the policy, and the actual value is the value marked according to the actual situation of the insured when the policy is generated.

In this embodiment, it should be noted that a plurality of attribute elements are included in the insurance, but not all attribute elements are related to the insurance, and some attribute elements are not related to the insurance, and there is no relevant attribute. The element does not have a standard value set, and subsequent comparisons cannot be made even if the actual value is obtained. For example, the current insurance is health insurance, health insurance includes a variety of attribute elements, such as the insurance amount, the number of copies, the total single premium, the system only sets the insurance amount and the total single premium in advance related to health insurance, then beforehand The standard value corresponding to the insured amount and the total single premium is set. It can be known that the attribute element of the number of copies is not related to the health insurance, and it is not necessary to set the standard value in advance. Therefore, in this embodiment, referring to FIG. 6, the query sub-module 31 includes:

a first determining unit 311, configured to determine, in each attribute element included in the insurance, each attribute element related to the insurance type;

The query unit 312 is configured to query actual values of the respective attribute elements related to the insurance.

That is to say, among the respective attribute elements included in the insurance, the first determining unit 311 determines each attribute element related to the insurance type, and the query unit 312 can query the actual value of each attribute element related to the insurance type. .

After querying the actual values of the respective attribute elements in the insurance, the obtaining sub-module 32 obtains the standard values of the respective attribute elements and the verification conditions corresponding to the respective attribute elements from the rules corresponding to the respective attribute elements. It should be noted that in the development of a new type of insurance, it is necessary to set the correlation of each attribute element in the insurance type, and set a standard value and verification condition for the attribute element of the setting correlation for subsequent automatic underwriting use. The standard values of the attribute elements and the specific setting of the check conditions are described in more detail below.

After the acquisition sub-module 32 obtains the standard values of the respective attribute elements from the rules corresponding to the respective attribute elements, and the verification conditions corresponding to the respective attribute elements, the comparison sub-module 33 can determine the verification conditions corresponding to the respective attribute elements. The actual value of each attribute element is compared with a standard value corresponding to each attribute element to determine a comparison result of each attribute element, wherein the comparison result includes two requirements: a compliance requirement and a non-compliance requirement.

Specifically, the comparison sub-module 33 compares the actual value of each attribute element with the standard value corresponding to each attribute element according to the verification condition corresponding to each attribute element, to determine the manner of comparing the result of each attribute element. include:

Finally, the determination sub-module 34 determines the underwriting result of the policy based on the comparison result of the respective attribute elements. Specifically, the determining submodule 34 includes:

a classification unit for classifying each attribute element according to a comparison result of each attribute element;

a second determining unit, configured to determine that the underwriting result of the policy is artificial underwriting if the ratio of the quantity of the attribute element that meets the requirement to all the attribute elements is within a preset threshold range;

The second determining unit is further configured to: if the ratio of the quantity of the attribute element and the all attribute elements that meet the requirement is less than the minimum boundary value of the preset threshold range, determine that the underwriting result of the policy is a refusal;

The second determining unit is further configured to determine that the underwriting result of the policy is qualified if the ratio of the quantity of the attribute element to the attribute element that meets the requirement is greater than the maximum boundary value of the preset threshold range.

In this embodiment, after determining the comparison result of each attribute element, the classification unit divides each attribute element into two categories according to the comparison result of each attribute element, that is, the one that meets the requirements is divided into one category, and the one that does not meet the requirements is divided into one. Class, and the second determining unit determines the number of the two classes. Then, the number of attribute elements that meet the requirements is divided by the total number of all attribute elements, and the ratio of the quantity of the attribute elements that meet the requirements to all the attribute elements is obtained, and the quantity ratio is compared with a preset threshold range, if the quantity ratio is A minimum boundary value that is less than the preset threshold range, indicating that most of the attribute elements in the policy do not meet the requirements, and the underwriting result of the policy is set to be rejected; if the quantity ratio is greater than the preset threshold range The maximum boundary value, indicating that most of the attribute elements in the policy meet the requirements, then the underwriting result of the policy is set to pass; if the quantity ratio is within the preset threshold, the underwriting result of the policy is Set to manual underwriting to facilitate manual for further underwriting.

The policy underwriting device proposed in this embodiment first determines the insurance type corresponding to the policy to be insured and the attribute elements included in the insurance policy when receiving the policy underwriting policy, and then in the preset rule base. Obtaining, according to a preset correspondence between the attribute element and the rule, a rule corresponding to the determined attribute element, and finally using the acquired rule to analyze the corresponding attribute element in the insurance type to determine the The underwriting result of the policy. According to the rules corresponding to the attribute elements, the attribute elements in the policy are analyzed to determine the underwriting result of the policy, which is equivalent to using the rules to classify the policy, and the manual underwriting is required for manual underwriting, instead of all The insurance policies are manually underwritten, which avoids the waste of manpower and improves the efficiency of policy underwriting.

Further, a second embodiment of the policy underwriting device of the present application is proposed based on the first embodiment. In this embodiment, the device for the policy underwriting further includes a setting module and an adding storage module;

The determining module 10 is further configured to determine each attribute element included in the insurance;

The setting module is configured to perform correlation setting on each attribute element included in the insurance type;

The setting module is further configured to: when the attribute element is an attribute element related to the insurance type, set a standard value and a verification condition for the attribute element;

And the adding storage module is configured to add an identifier of the attribute element to the standard value and the verification condition, and store the rule as the attribute element in the rule base.

In this embodiment, before the policy is underwritten, the insurance is first set, that is, when the insurance is developed, the attribute elements included in the insurance are specified, and then the setting module includes various attribute elements included in the insurance. Correlation settings are made, which attribute elements need to be correlated, depending on the specific needs of the insurance. In this embodiment, it is preferable to add a preset flag bit to the attribute element that needs to be related to the insurance setting, such as 1, and the attribute element that does not need to set the correlation may set another flag bit such as 0, or do not make any settings. After the correlation is set on the attribute element, a standard value and a verification condition are set on the attribute element, and finally the identifier of the attribute element is added to the standard value and the verification condition as a rule storage of the attribute element. Go to the rule base. In order to facilitate the subsequent policy underwriting, the underwriting analysis of the policy is carried out according to the rules preset by the attribute elements.

It should be noted that, in hardware implementation, the above determining module 10, the obtaining module 20, the analyzing module 30, and the like may be embedded in the hardware or in a device independent of the policy, or may be stored in the software in the form of software. In the memory of the underwritten device, so that the processor calls to perform the operations corresponding to the above respective modules. The processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.

Referring to FIG. 7, FIG. 7 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.

The device for guaranteeing the policy of the embodiment of the present invention may be a PC, or may be a terminal device such as a smart phone, a tablet computer or a portable computer.

As shown in FIG. 7, the policy-guaranteed device may include a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus. The network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network). The user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.), a wireless interface (eg, for Connect a wireless keyboard, wireless mouse). The memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.

Optionally, the policy-guaranteed device may also include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.

It will be understood by those skilled in the art that the policy-guaranteed device structure shown in FIG. 7 does not constitute a limitation on the policy-guaranteed device, and may include more or less components than the illustration, or a combination of certain Parts, or different parts.

As shown in FIG. 7, a memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a policy-guaranteed program. The operating system is a program for managing and controlling the device hardware and software resources of the policy underwriting, supporting the operation of the network communication module, the user interface module, the policy underwriting and other programs or software; the network communication module is used for management And a control network interface 1002; the user interface module is for managing and controlling the user interface 1003.

In the policy-guaranteed device shown in FIG. 7, the processor 1001 can be used to execute a policy-guaranteed program stored in the memory 1004 to implement the following steps:

Further, when the attribute element includes a plurality of attribute elements, the processor 1001 is further configured to execute the program for the policy underwriting to implement the adopted rule, and perform the corresponding attribute element in the insurance type. Analysis to determine the underwriting results of the policy:

Querying the actual value of each attribute element in the insurance;

Obtaining a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

Comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes the compliance requirement and Does not meet the requirements of two;

The underwriting result of the policy is determined based on the comparison result of each attribute element.

Further, the processor 1001 is further configured to execute the program for the policy underwriting to implement the step of querying the actual value of each attribute element in the insurance:

Determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;

Query the actual value of each attribute element associated with the type of insurance.

Further, the processor 1001 is further configured to execute the policy of the policy underwriting to implement the step of determining the underwriting result of the policy according to the comparison result of the respective attribute elements:

Further, before the step of determining the insurance corresponding to the policy to be insured when the policy underwriting policy is received, the processor 1001 is further configured to execute the policy of the policy underwriting to implement the following steps:

Determining the various attribute elements included in the insurance;

Relevance settings for each attribute element included in the insurance;

When the attribute element is an attribute element related to the insurance type, a standard value and a verification condition are set for the attribute element;

An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.

The present invention provides a computer readable storage medium storing a program for policy underwriting, the program of the policy underwriting being executed by a processor to implement the following steps:

Further, when the attribute element includes a plurality of attribute elements, the policy of the policy underwriting is executed by the processor, and the obtained rule is used to analyze the corresponding attribute element in the insurance type to Steps to determine the underwriting result of the policy:

Querying the actual value of each attribute element in the insurance;

Further, the policy of the policy underwriting is executed by the processor, and the step of querying the actual value of each attribute element in the insurance is also implemented:

Further, the policy of the policy underwriting is executed by the processor, and the step of determining the underwriting result of the policy according to the comparison result of the respective attribute elements is further implemented:

Further, before the step of determining the insurance type corresponding to the policy to be verified when the policy underwriting insurance instruction is received, the program of the policy underwriting is executed by the processor, and the following steps are further implemented:

Determining the various attribute elements included in the insurance;

Relevance settings for each attribute element included in the insurance;

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device comprising a series of elements includes those elements. It also includes other elements not explicitly listed, or elements that are inherent to such a process, method, article, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

The above is only a preferred embodiment of the present application, and thus does not limit the scope of the patent application, and the equivalent structure or equivalent process transformation made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

A method for policy underwriting, characterized in that the method for guaranteeing the policy comprises:

When receiving the policy underwriting policy, determining the type of insurance corresponding to the policy to be insured, and the attribute elements included in the insurance;

Obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

Using the acquired rules, the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
The method for policy underwriting according to claim 1, wherein when the attribute element includes a plurality of attribute elements, the using the acquired rule to analyze the corresponding attribute element in the insurance type The steps to determine the underwriting result of the policy include:

Querying the actual value of each attribute element in the insurance;

Obtaining a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

Comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes the compliance requirement and Does not meet the requirements of two;

The underwriting result of the policy is determined based on the comparison result of each attribute element.
The method of claim 2, wherein the step of querying the actual value of each attribute element in the insurance product comprises:

Determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;

Query the actual value of each attribute element associated with the type of insurance.
The method for policy underwriting according to claim 2, wherein the step of determining the underwriting result of the policy according to the comparison result of the respective attribute elements comprises:

Each attribute element is classified according to the comparison result of each attribute element;

If the ratio of the required attribute elements to all attribute elements is within a preset threshold, it is determined that the underwriting result of the policy is artificial underwriting;

If the ratio of the quantity of the attribute element that meets the requirement to the quantity of all the attribute elements is less than the minimum boundary value of the preset threshold range, determining that the policy of the policy is a refusal;

If the ratio of the required attribute elements to the total number of attribute elements is greater than the maximum boundary value of the preset threshold range, it is determined that the underwriting result of the policy is qualified.
A policy for policy underwriting according to claim 2, wherein said policy is insured prior to the step of determining the type of insurance corresponding to the policy to be insured upon receipt of the policy underwriting policy The method also includes:

Determining the various attribute elements included in the insurance;

Relevance settings for each attribute element included in the insurance;

When the attribute element is an attribute element related to the insurance type, a standard value and a verification condition are set for the attribute element;

An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.
A device for underwriting a policy, characterized in that the device for guaranteeing the policy comprises:

a determining module, configured to determine, when receiving the policy underwriting policy, a type of insurance corresponding to the policy to be insured, and an attribute element included in the insurance type;

Get the module, For obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

And an analysis module, configured to analyze the corresponding attribute element in the insurance to determine the underwriting result of the policy by using the obtained rule.
The apparatus for policy underwriting according to claim 6, wherein when the attribute element includes a plurality of attribute elements, the analysis module comprises:

Querying a sub-module for querying the actual value of each attribute element in the insurance type;

Obtaining a sub-module, configured to obtain a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

The comparison sub-module is configured to compare the actual value of each attribute element with a standard value corresponding to each attribute element according to a verification condition corresponding to each attribute element, to determine a comparison result of each attribute element, wherein the comparison result The comparison results include both compliance and non-compliance;

The determining submodule is configured to determine the underwriting result of the policy according to the comparison result of the respective attribute elements.
The device for policy underwriting according to claim 7, wherein the query sub-module comprises:

a first determining unit, configured to determine, in each attribute element included in the insurance, each attribute element related to the insurance type;

A query unit for querying actual values of respective attribute elements related to the insurance.
The device for policy underwriting according to claim 7, wherein the determining sub-module comprises:

a classification unit for classifying each attribute element according to a comparison result of each attribute element;

a second determining unit, configured to determine that the underwriting result of the policy is artificial underwriting if the ratio of the quantity of the attribute element that meets the requirement to all the attribute elements is within a preset threshold range;

The second determining unit is further configured to: if the ratio of the quantity of the attribute element and the all attribute elements that meet the requirement is less than the minimum boundary value of the preset threshold range, determine that the underwriting result of the policy is a refusal;

The second determining unit is further configured to determine that the underwriting result of the policy is qualified if the ratio of the quantity of the attribute element to the attribute element that meets the requirement is greater than the maximum boundary value of the preset threshold range.
The apparatus for policy underwriting according to claim 7, wherein the determining module is further configured to determine each attribute element included in the insurance type;

The policy underwriting policy further includes:

a setting module for setting correlations of various attribute elements included in the insurance type;

The setting module is further configured to: when the attribute element is an attribute element related to the insurance type, set a standard value and a verification condition for the attribute element;

And adding a storage module, configured to add an identifier of the attribute element to the standard value and the verification condition, and store the rule as the attribute element in the rule base.
A policy for underwriting a policy, characterized in that the policy underwriting policy comprises a processor and a memory storing a program for policy overwriting; the processor is configured to perform the policy underwriting Program to implement the following steps:

When receiving the policy underwriting policy, determining the type of insurance corresponding to the policy to be insured, and the attribute elements included in the insurance;

Obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

Using the acquired rules, the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
The policy-guaranteed device according to claim 11, wherein when the attribute element includes a plurality of attribute elements, the processor is further configured to execute the policy of the policy underwriting to implement acquisition. The rule, the step of analyzing the corresponding attribute element in the insurance to determine the underwriting result of the policy:

Querying the actual value of each attribute element in the insurance;

Obtaining a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

Comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes the compliance requirement and Does not meet the requirements of two;

The underwriting result of the policy is determined based on the comparison result of each attribute element.
The device for policy underwriting as claimed in claim 12, wherein the processor is further configured to execute the policy of the policy underwriting to implement querying the actual value of each attribute element in the insurance step:

Determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;

Query the actual value of each attribute element associated with the type of insurance.
The device for policy underwriting as claimed in claim 12, wherein the processor is further configured to execute the policy of the policy underwriting to implement the comparison result according to each attribute element, and determine the policy. Steps to the underwriting result:

Each attribute element is classified according to the comparison result of each attribute element;

If the ratio of the required attribute elements to all attribute elements is within a preset threshold, it is determined that the underwriting result of the policy is artificial underwriting;

If the ratio of the quantity of the attribute element that meets the requirement to the quantity of all the attribute elements is less than the minimum boundary value of the preset threshold range, determining that the policy of the policy is a refusal;

If the ratio of the required attribute elements to the total number of attribute elements is greater than the maximum boundary value of the preset threshold range, it is determined that the underwriting result of the policy is qualified.
The policy-guaranteed device according to claim 12, wherein said processor is further used before said step of determining a policy corresponding to a policy to be insured upon receipt of a policy underwriting policy Execute the policy of the policy underwriting to achieve the following steps:

Determining the various attribute elements included in the insurance;

Relevance settings for each attribute element included in the insurance;

When the attribute element is an attribute element related to the insurance type, a standard value and a verification condition are set for the attribute element;

An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.
A computer readable storage medium, characterized in that the computer readable storage medium stores a program for policy underwriting, the program of the policy underwriting being executed by a processor to implement the following steps:

When receiving the policy underwriting policy, determining the type of insurance corresponding to the policy to be insured, and the attribute elements included in the insurance;

Obtaining, in a preset rule base, a rule corresponding to the determined attribute element according to a preset correspondence between the attribute element and the rule;

Using the acquired rules, the corresponding attribute elements in the insurance are analyzed to determine the underwriting result of the policy.
The computer readable storage medium according to claim 16, wherein when the attribute element includes a plurality of attribute elements, the policy-guaranteed program is executed by the processor, and the acquired rule is further implemented, The step of analyzing the corresponding attribute elements in the insurance to determine the underwriting result of the policy:

Querying the actual value of each attribute element in the insurance;

Obtaining a standard value of each attribute element from a rule corresponding to each attribute element, and a verification condition corresponding to each attribute element;

Comparing the actual values of the respective attribute elements with the standard values corresponding to the respective attribute elements according to the verification conditions corresponding to the respective attribute elements, to determine the comparison result of the respective attribute elements, wherein the comparison result includes the compliance requirement and Does not meet the requirements of two;

The underwriting result of the policy is determined based on the comparison result of each attribute element.
The computer readable storage medium of claim 17, wherein the policy-guaranteed program is executed by the processor, and further implementing the step of querying the actual value of each attribute element in the insurance type:

Determining, among the various attribute elements included in the insurance, each attribute element related to the insurance type;

Query the actual value of each attribute element associated with the type of insurance.
The computer readable storage medium according to claim 17, wherein said policy-guaranteed program is executed by a processor, and further determining a result of the verification of said policy based on a comparison result of each attribute element step:

Each attribute element is classified according to the comparison result of each attribute element;

If the ratio of the required attribute elements to all attribute elements is within a preset threshold, it is determined that the underwriting result of the policy is artificial underwriting;

If the ratio of the quantity of the attribute element that meets the requirement to the quantity of all the attribute elements is less than the minimum boundary value of the preset threshold range, determining that the policy of the policy is a refusal;

If the ratio of the required attribute elements to the total number of attribute elements is greater than the maximum boundary value of the preset threshold range, it is determined that the underwriting result of the policy is qualified.
The computer readable storage medium according to claim 17, wherein said policy of insuring the policy before said step of determining a policy corresponding to the policy to be insured upon receipt of the policy underwriting policy Executed by the processor, the following steps are also implemented:

Determining the various attribute elements included in the insurance;

Relevance settings for each attribute element included in the insurance;

When the attribute element is an attribute element related to the insurance type, a standard value and a verification condition are set for the attribute element;

An identifier of the attribute element is added to the standard value and the verification condition, and the rule as the attribute element is stored in the rule base.