CN113283996A - Policy screening method and storage medium - Google Patents
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- CN113283996A CN113283996A CN202110583289.4A CN202110583289A CN113283996A CN 113283996 A CN113283996 A CN 113283996A CN 202110583289 A CN202110583289 A CN 202110583289A CN 113283996 A CN113283996 A CN 113283996A
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Abstract
The application discloses a policy screening method and a storage medium, wherein the method comprises the following steps: acquiring the insurance information of the insured person; acquiring the claim type of the insured person; determining a target claim liability based at least on the exposure information and the claim type; and screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of applications as a target policy based on the target claim settlement responsibility. According to the method and the device, corresponding target claim settlement responsibilities can be determined by acquiring the insurance information of the insured person and the claim settlement type of the insured person, then the insured policy is screened according to the target claim settlement responsibilities, and therefore the target policy containing the target claim settlement responsibilities can be determined, namely the claim settlement policy is screened out, the screening time of the policy is shortened, and the convenience degree of the claim settlement and the application of the user is greatly improved.
Description
Technical Field
The present application relates to the field of insurance claim settlement technologies, and in particular, to a policy screening method and a storage medium.
Background
With the rapid development of the insurance industry, more and more people begin to apply insurance at present.
Claim settlement is an important ring in insurance, and is the most intuitive feeling for the insurance value of the user. In a traditional mode, a user sometimes purchases a plurality of insurance products at the same time, when the user needs to apply for claim settlement in case of an accident, the user needs to know clearly which policy should be settled in the accident, the requirement on insurance recognition of the user is high, and the user needs to spend a lot of time to know the claim settlement range of each insurance policy, so that more energy and time are consumed, and the determination of the insurance policy which can apply for claim settlement is troublesome.
Disclosure of Invention
In view of the above, the present application provides a policy screening method and a storage medium, and mainly aims to solve the problem that a lot of time is required for determining a current policy, and a target policy which can be applied for claim settlement cannot be rapidly screened.
In order to solve the above problems, the present application provides a policy screening method, including:
acquiring the insurance information of the insured person;
acquiring the claim type of the insured person;
determining a target claim liability based at least on the exposure information and the claim type;
and screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of applications as a target policy based on the target claim settlement responsibility.
Optionally, the acquiring of the insurance exposure information specifically includes:
accident information input by a user is received, and the insurance information is obtained based on the accident information.
Optionally, the method further includes: acquiring the type of the medical treatment of the insured person;
the determining target claim accountability based on at least the venture information and the claim type specifically includes: generating an entry type based on the insurance information, the claim type and the visit type, and determining the target claim responsibility based on the entry type.
Optionally, the method further includes:
establishing a corresponding relation between the report type and the claim settlement responsibility to obtain a mapping relation table;
the determining the target claim settlement responsibility based on the report type specifically includes:
and searching the mapping relation table based on the report type to determine the target claim settlement responsibility corresponding to the report type.
Optionally, the method further includes:
acquiring identity information of an insured life;
obtaining a number of the first policies based at least on the identity information matches.
Optionally, the method further includes:
acquiring the insurance time of the insured person to obtain a plurality of first insurance policies based on the insurance time and the identity information matching.
Optionally, the screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of insurances based on the target claim settlement responsibility as a target policy specifically includes:
carrying out claim settlement responsibility extraction processing on each first insurance policy to obtain first claim settlement responsibility corresponding to each first insurance policy;
and matching each first claim settlement responsibility with the target claim settlement responsibility, and determining that the first insurance policy corresponding to the first claim settlement responsibility is a target insurance policy when the first claim settlement responsibility is matched with the target claim settlement responsibility.
Optionally, the method further includes: displaying the target insurance policy according to a preset mode;
wherein, in the case that the target policy is plural, the method further comprises:
sequencing the target insurance policies according to the insurance amount of the target insurance policies so as to display the target insurance policies from high to low;
or sequencing each target policy according to the type of each target policy so as to display each target policy according to the display sequence corresponding to the policy type;
or sorting the target insurance policies according to the claim settlement period of the target insurance policies, and displaying the target insurance policies according to the order of the shorter to longer claim settlement period.
Optionally, the method further includes:
sequentially outputting guide information to prompt a user to input identity information, the insurance time, the insurance information, the claim settlement type and the treatment type respectively;
acquiring the identity information of the insured person, the insurance time of the insured person, the insurance information of the insured person, the claim type of the insured person and the treatment type of the insured person based on the received identity information, the insurance time, the insurance information, the claim type and the treatment type
In order to solve the above technical problem, the present application provides a policy screening method, including:
displaying an information acquisition page to respond to the policy screening request; the information acquisition page comprises an information selection area and guide information;
and receiving the insurance information and the claim type selected by the user based on the information selection area so as to obtain an insurance policy screening result based on at least the insurance information and the claim type.
Optionally, the method further includes: and receiving the identity information of the insured person, the insurance time of the insured person and the treatment type selected by the user based on the information selection area so as to obtain an insurance policy screening result based on the identity information, the insurance time, the treatment type, the insurance information and the claim settlement type.
In order to solve the above technical problem, the present application provides a storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the steps of the policy screening method according to any one of the above embodiments.
In the application, through acquiring the insurance information of the insured person and the claim types of the insured person, the corresponding target claim responsibility can be determined, then the insured policy is screened according to the target claim responsibility, and therefore the target policy containing the target claim responsibility can be determined, namely the claim-capable policy is screened out, the screening time of the policy is shortened, and the convenience degree of the claim settlement and the case report of the user is greatly improved. Namely, the user does not need to understand complicated and lengthy insurance responsibility terms any more, and the client can acquire the information of the user such as the insurance information, the claim settlement type and the like by simply answering the questions, so that the policy which accords with the claim settlement condition of the user can be quickly found, the case reporting efficiency of the user is greatly improved, the case reporting amount of the user with wrong policy selection is greatly reduced, and the service volume of claim settlement examination is reduced.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart of a policy screening method according to an embodiment of the present application;
FIG. 2 is a flow chart of a policy screening method according to another embodiment of the present application;
FIG. 3 is a flow chart of a policy screening method according to another embodiment of the present application;
FIG. 4 is a flow chart of a policy screening method according to another embodiment of the present application;
FIG. 5 is a schematic diagram illustrating a human-computer interaction of an information collection page in an insurance policy screening method according to an embodiment of the present application;
FIG. 6 is a schematic diagram illustrating a human-computer interaction of an information collection page in a policy screening method according to an embodiment of the present application;
fig. 7 is a schematic diagram of human-computer interaction of an information collection page in a policy screening method according to an embodiment of the present application.
Detailed Description
Various aspects and features of the present application are described herein with reference to the drawings.
It will be understood that various modifications may be made to the embodiments of the present application. Accordingly, the foregoing description should not be construed as limiting, but merely as exemplifications of embodiments. Those skilled in the art will envision other modifications within the scope and spirit of the application.
The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate embodiments of the application and, together with a general description of the application given above and the detailed description of the embodiments given below, serve to explain the principles of the application.
These and other characteristics of the present application will become apparent from the following description of preferred forms of embodiment, given as non-limiting examples, with reference to the attached drawings.
It is also to be understood that although the present application has been described with reference to some specific examples, those skilled in the art are able to ascertain many other equivalents to the practice of the present application.
The above and other aspects, features and advantages of the present application will become more apparent in view of the following detailed description when taken in conjunction with the accompanying drawings.
Specific embodiments of the present application are described hereinafter with reference to the accompanying drawings; however, it is to be understood that the disclosed embodiments are merely exemplary of the application, which can be embodied in various forms. Well-known and/or repeated functions and constructions are not described in detail to avoid obscuring the application of unnecessary or unnecessary detail. Therefore, specific structural and functional details disclosed herein are not to be interpreted as limiting, but merely as a basis for the claims and as a representative basis for teaching one skilled in the art to variously employ the present application in virtually any appropriately detailed structure.
The specification may use the phrases "in one embodiment," "in another embodiment," "in yet another embodiment," or "in other embodiments," which may each refer to one or more of the same or different embodiments in accordance with the application.
The embodiment of the application provides a policy screening method, which can be specifically applied to platform devices such as websites and servers, and can also be directly integrated in a client for application. In this embodiment, an example in which the application is integrated in a client is described. As shown in fig. 1, the method in the present application includes the following steps:
step S101, acquiring insurance information of an insured person;
in this step, the insurance information may specifically include any one or more of the following: disease information and accident information; the unexpected information comprises one or more of the following: traffic accidents, injuries in sports, earthquakes, floods and fires.
In the implementation process, when acquiring the insurance information of the insured person, the client can specifically acquire the insurance information of the insured person by adopting an intelligent question-and-answer mode, for example, the guide information ' please input the insurance information ' can be output firstly, and the prompt information ' accidental injury ' and ' disease ' and the like ' can be output to prompt the user to input the insurance information of the insured person at a preset position; or the guide information 'please select the information for taking out the risk' can be output firstly, and 'accidental injury' and 'disease' are output for the user to select, and the information for taking out the risk is directly obtained according to the selection result of the user. Of course, accident information input by a user can be directly received, and the insurance information can be obtained based on the accident information. For example, after a user logs in a policy screening webpage through an account, accident information of a text type can be input at a preset position of the webpage, and then the client receives the input accident information of the text type and carries out semantic recognition on the accident information to obtain insurance information. And can also receive voice type accident information input by a user, and then carry out voice recognition on the accident information to obtain the insurance information. For example, when the user inputs the accident information as "leg broken while traveling", it may be semantically recognized to determine that the danger information is "accidental injury".
Step S102, acquiring the claim type of the insured life;
in this step, the claim types include one or more of the following: medical treatment, serious illness, disability, physical disability and bad weather. In this step, the customer can also be used to collect and obtain claim types in an intelligent question and answer mode. After acquiring the insurance information, the client can output guidance information such as ' please input claim types ' or ' please select claim types ', and simultaneously output various claim types such as ' medical treatment ', ' serious diseases ', ' disability ', ' physical problems ' and ' severe weather, and prompt the user to input or select the claim types. Therefore, the user can quickly input the claim types according to the guidance information, so that the client can accurately and quickly acquire the claim types of the insured person. Namely, the claim types are directly obtained according to the received user input or selected claim types. For example, when the user inputs "medical", the received "medical" may be used as the claim type.
Step S103, determining target claim accountability at least based on the insurance information and the claim type;
in this step, when determining the responsibility of the target claim settlement, the responsibility may be specifically realized by looking up the mapping relationship table. Specifically, the first mapping relationship table may be obtained by pre-establishing the corresponding relationship between the insurance claim information, the claim type and the claim responsibility. Therefore, after the insurance information and the claim types are obtained subsequently, the corresponding target claim responsibility can be determined by searching the first mapping relation table based on the acquired insurance information and the claim types. For example, when it is determined that the insurance information of the user is "traffic accident" in the accident information and the claim type is "medical", the mapping relation table can be searched according to the "traffic accident" - "medical" to determine the target claim responsibility corresponding to the mapping relation table, for example, the target claim responsibility corresponding to the mapping relation table is determined to be "medical fee generated by traffic accident".
And step S104, screening the policy containing the target claim settlement responsibility from the first policies of a plurality of insurances based on the target claim settlement responsibility as a target policy.
In this step, after the objective claim settlement responsibility is determined, the first insurance policies that have been insured can be screened according to the objective claim settlement responsibility. In a specific implementation process, the method may first perform a claim settlement responsibility extraction process on each first insurance policy to obtain a first claim settlement responsibility corresponding to each first insurance policy; and matching each first claim settlement responsibility with the target claim settlement responsibility, and determining that the first insurance policy corresponding to the first claim settlement responsibility is a target insurance policy when the first claim settlement responsibility is matched with the target claim settlement responsibility. It should be noted that one policy may include a plurality of first claim settlement responsibilities, and specifically, the first claim settlement responsibilities may be extracted by a natural language processing technique, or may be extracted by a keyword-based method. For example, the keyword may be "guarantee plan", "insurance responsibility", "guarantee content", etc., and when the keyword "guarantee content" in the first policy is identified, the position of the keyword in the policy is determined, then a corresponding target area is determined according to the determined position, and then each piece of information in the target area is extracted, so as to obtain each first claim responsibility located in the target area. Specifically, since different types of policy correspond to different claim accountability, the corresponding relationship between each policy type and the claim accountability can be pre-established, so that the corresponding first claim accountability can be determined directly according to the type of the first policy. For example, if the objective claim responsibility is "medical fee due to traffic accident", the first claim responsibility of each first insurance policy can be determined by the method, and then each first claim responsibility is matched with the objective claim responsibility, and if there is a first claim responsibility that is consistent with/matched with the objective claim responsibility, the insurance policy corresponding to the first claim responsibility can be determined as the objective insurance policy.
In the embodiment, the corresponding target claim settlement responsibility can be determined by acquiring the insurance information of the insured person and the claim settlement type of the insured person, and then the insured policy is screened according to the target claim settlement responsibility, so that the target policy containing the target claim settlement responsibility can be determined, namely the claim settlement policy is screened out, the screening time of the policy is reduced, and the convenience degree of the claim settlement and the case report of the user is greatly improved. Namely, the user does not need to understand complicated and lengthy insurance responsibility terms any more, and the client can acquire the information of the user such as the insurance information, the claim settlement type and the like by simply answering the questions, so that the policy which accords with the claim settlement condition of the user can be quickly found, the case reporting efficiency of the user is greatly improved, the case reporting amount of the user with wrong policy selection is greatly reduced, and the service volume of claim settlement examination is reduced.
Another embodiment of the present application provides a policy screening method, which is described by taking an example that the method is applied to a server, and as shown in fig. 2, the policy screening method includes the following steps:
step S201, acquiring the identity information of the insured life;
the identity information in this step may be information for uniquely identifying the identity, such as an identification number of the insured person, face information, iris information, and the like. After a user logs in a designated website or server through a preset account, the user can specifically use the terminal to input the identity information and send the identity information to the server, or use a camera of the terminal to acquire the identity information and send the identity information to the server, so that the server can acquire the identity information of the insured person, or can also output guidance information 'please select the identity of the insured person', and output 'Zhang three' and 'Liqu' for the user to select, and then acquire the identity information of the insured person according to the selection result of the user.
Step S202, acquiring the insurance time of the insured life;
in this step, the insurance policy making time may also be sent to the background server by the user through the terminal, and then the insurance policy making time meeting the insurance policy deadline requirement is determined as the first insurance policy. Specifically, the client may be utilized to output guidance information such as "please input the insurance time" to prompt the user to input the insurance time, and then the client may send the insurance time input by the user to the server so that the server can obtain the insurance time of the insured person. Specifically, the method can also output guide information 'please select the insurance time', output a calendar for the user to select the corresponding insurance time, and then obtain the insurance time of the insured person according to the selection result of the user. When the policy screening method in the application is directly integrated in the client for application, the client can directly obtain the insurance time of the insured person according to the insurance time information input by the user.
Step S203, obtaining a plurality of first insurance policies based on the insurance time and the identity information matching;
in this step, after obtaining the identity information and the insurance time of the insured person, the policy matching the insured person identity and having the insurance time within the policy validity period can be determined, that is, the first policy is obtained. In this embodiment, when purchasing insurance, the user binds the identity and the policy of the insured person, and establishes the corresponding relationship between the policy and the identity information, so that after obtaining the identity information, the corresponding policy can be obtained by matching.
Step S204, acquiring the insurance information of the insured life;
in this step, the insurance information may specifically include any one of the following: disease information or accident information; the unexpected information comprises one or more of the following: traffic accidents, injuries in sports, earthquakes, floods and fires. When acquiring the insurance information of the insured person, the insurance information of the insured person can be acquired and acquired by the client in an intelligent question-answering mode, for example, the server can output the guide information 'please input the insurance information' firstly, and output various insurance information such as 'accident' and 'disease' and the like to be displayed through the client, so as to prompt the user to input the insurance information of the insured person at a preset position, then the client receives the insurance information input by the user and sends the insurance information to the server, so that the server acquires the insurance information. Of course, the guide information "please select the insurance information" can also be output, and various insurance information such as "accident" and "disease" can be output for the user to select, and then the insurance information can be directly obtained according to the selection result of the user. In the step, the user insurance information is collected in an intelligent question-answering mode, and a basis is provided for the follow-up background to intelligently recommend, judge and display the insurance policy which can be applied by the user. In this step, accident information of text type may be input at a predetermined position of the terminal device, and the website/server may receive the input accident information of text type and then perform semantic recognition on the accident information to obtain the information for taking out an insurance. And can also receive voice type accident information input by a user, and then carry out voice recognition on the accident information to obtain the insurance information. For example, when the user inputs the accident information as "leg break while traveling", it may be semantically recognized to determine that the insurance information is "accident".
Step S205, acquiring the claim type of the insured life;
in this step, the claim types include one or more of the following: medical treatment, serious illness, disability, physical disability and bad weather. When the claim types of the insured person are obtained, the claim types of the insured person are acquired and obtained by the client in an intelligent question-answering mode, for example, the server can output guidance information 'please input the claim types', and can also output the claim types such as 'medical treatment' and 'repeat disease' and display the claim types through the client, so as to prompt the user to input the claim types of the insured person at a preset position, and then the client receives the claim types input by the user and sends the claim types to the server, so that the server obtains the claim types. Of course, guidance information "please select claim types" may also be output, and various claim type information such as "medical treatment" and "serious disease" may be output for selection by the user, and then the claim types may be directly obtained according to the selection result of the user.
Step S206, acquiring the type of the medical treatment of the insured person;
the diagnosis types comprise one or more of the following types: outpatient service, hospitalization, medicine, special outpatient service, proton heavy ion, special medicine hospitalization, transportation and the like. When the visit type is obtained, the visit type input by the user can be specifically received, so that the visit type can be directly obtained. When the visit type of the insured person is obtained, the visit type of the insured person can be acquired and obtained by adopting an intelligent question-answering mode through the client, for example, the server can output the guide information 'please input the visit type', and output the visit types such as 'hospitalization' and 'outpatient service' and display the visit types through the client; or the client directly outputs the guide information 'please input the type of the doctor' and outputs 'hospitalization' and 'outpatient service', so as to prompt the user to input the type of the doctor of the insured person at the preset position, and then the client receives the type of the doctor input by the user and sends the type of the doctor to the server, so that the server acquires the type of the doctor. For example, when the user enters "out-patient", the received "out-patient" may be used as the claim type. Specifically, the server/client can also output guidance information "please select claim types", and output various claim type information such as "medical treatment" and "serious disease" for the user to select, and then directly obtain the claim types according to the selection result of the user. In the step, guidance is performed by outputting each clinic type, so that the user can quickly and accurately select the clinic type to be input.
Step S207, generating an entry type based on the insurance information, the claim type and the visit type, and determining the target claim settlement responsibility based on the entry type;
the types of the reports in the step comprise one or more of the following types: illness-medical-outpatient, illness-medical-hospitalization, illness-serious illness, illness-disability, illness-disposition, accident-medical-outpatient, accident-medical-hospitalization, accident-serious illness, accident-disability, accident-disposition, illness-medical-specialized hospitalization, and other-others.
In this step, for example, when it is determined that the information on the occurrence of a traffic accident is travel, it is determined that the type of the claim is "medical" and the type of the encounter is "hospitalization", and thus it is determined that the type of the claim is accident-medical-hospitalization, and further, if it is determined that the information on the occurrence of the risk is "cancer", the type of the claim is "medical" and the type of the encounter is "special-medicine hospitalization", it is determined that the type of the claim is illness-medical-special-medicine hospitalization. In the embodiment, the application type is generated according to the insurance information, the claim settlement type and the treatment type, so that the subsequent determination of the target claim settlement responsibility can be more reasonable and accurate, and a foundation is laid for the subsequent accurate screening of the target insurance policy.
In the specific implementation process of this step, the corresponding relationship between the report type and the claim settlement responsibility may be established in advance, and a second mapping relationship table is obtained. Thus, after the report type is determined, the target claim settlement responsibility corresponding to the report type can be determined by searching the second mapping relation table.
And S208, screening the policy containing the target claim settlement responsibility from the first policies of the plurality of insurances as a target policy based on the target claim settlement responsibility.
In this embodiment, after the target policy is determined, the target policy may be displayed according to a predetermined manner, for example, the target policy is displayed at a predetermined position, or the policy is displayed in a prominent color. When the target policy is a plurality of target policies, the target policies can be sorted according to the insurance amount of the target policies, so that the target policies are displayed according to the sequence of the insurance amount from high to low; the target insurance policies are sequentially displayed according to the insurance amount, so that a user can clearly know the claim settlement condition of each target insurance policy, and a foundation is provided for determining which insurance policy is subjected to priority claim settlement according to the insurance amount when the claim settlement is subsequently applied. Alternatively, each of the target policies may be sorted according to its type to be presented in a presentation order corresponding to the policy type. That is, the presentation priority of each policy type may be predetermined so that each target policy may be subsequently presented according to the presentation priority. Or, the target insurance policies can be sorted according to the claim settlement period of the target insurance policies, and the target insurance policies are displayed according to the order of the shorter to longer claim settlement period; the target insurance policies are displayed according to the length of the claim settlement period, so that a user can clearly know the claim settlement period of the target insurance policies, and when a subsequent user applies for claim settlement, the user can preferentially apply for claim settlement on the insurance policies with short claim settlement period, thereby providing convenience for the user.
In the specific implementation process, the screening process of the target policy may also be as shown in fig. 3, including: first, a description accident situation of the user is obtained. And then judging whether the insured person selected by the user can be used as the insured person, namely, matching according to the identity information of the insured person, determining whether an insurable policy matched with the identity exists, and if not, marking the unable application and the reason. If yes, continuing to judge whether the insurance time is within the valid period of the insurance policy, and if not, marking the reason why the claim cannot be applied and the reason why the claim cannot be applied. If the period of validity of the insurance policy is reached, a first insurance policy is acquired, then an entry type is generated according to the accident condition (insurance information, the type of the claim, the type of the doctor, and the like) acquired before, and then the target responsibility of the claim is determined according to the entry type. Then, the previously obtained responsibility of claim settlement in the first policy is extracted, and a plurality of responsibility of claim settlement are obtained. And finally, matching each first claim settlement responsibility with the target claim settlement responsibility, determining whether the first claim settlement responsibility matched with the target claim settlement responsibility exists, if so, displaying a policy corresponding to the first claim settlement responsibility, and if not, marking that the claim settlement cannot be applied and reasons.
In a specific implementation process of this embodiment, after the target policy is screened out, the non-target policy may be marked, for example, the non-target policy is displayed in a predetermined font or color, and a marking reason of each non-target policy is displayed. The marking reason refers to the reason why a claim cannot be applied, for example, the marking information may include one or more of the following: the time of occurrence is not included in the validity period of the policy, the target claim settlement responsibility is not included in the scope of the policy, the insured person is not matched with the policy, etc.
In the embodiment, the first insurance policy which is matched with the insured person and accords with the insurance time is screened out firstly, then the target claim settlement responsibility is further determined according to the insurance information, the claim settlement type and the treatment type, and finally the first insurance policies are screened out according to the target claim settlement responsibility, so that the target insurance policy capable of being claimed can be screened out accurately and quickly, and the time and the energy for a user to determine the insurance policy are greatly saved.
Another embodiment of the present application provides a policy screening method, which may be specifically applied to platform devices such as websites and servers, or may be directly integrated in a client for application, as shown in fig. 4, and includes the following steps:
step S301, displaying an information acquisition page to respond to a policy screening request; the information acquisition page comprises an information selection area and guide information;
the guidance information in this step is information for prompting the user to select in the information selection area, and for example, the guidance information may include: selecting name of insured person, selecting identity information of insured person, selecting time of insured person, selecting information of insured information, selecting claim type, selecting type of treatment and outputting correspondent information for user to select.
Step S302, at least receiving the insurance information and the claim type selected by the user based on the information selection area, and obtaining the policy screening result based on at least the insurance information and the claim type.
In this embodiment, before the user makes an insurance claim, the user can enter the corresponding display page by logging in the server/website platform. When a user needs to determine a policy which can apply for claim settlement, the user clicks a designated key on a display page or inputs operations such as 'policy screening' at a predetermined position to serve as a policy screening request, so that the server/website platform/terminal device can display the information acquisition page after receiving the policy screening request so as to respond to the policy screening request. When the information collection page is displayed, the guide information can be output at a preset position to prompt a user to select information; and then receiving and obtaining information such as the insurance information, the claim settlement type and the like selected by the user in the information selection area.
In this embodiment, obtaining the policy screening result based on at least the offer information and the claim settlement type specifically includes: determining a target claim liability based at least on the exposure information and the claim type; and screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of applications as a target policy based on the target claim settlement responsibility. More specifically, the corresponding target claim settlement responsibility and the first claim settlement responsibility corresponding to each first policy may be determined, then each first claim settlement responsibility is matched with the target claim settlement responsibility, and when the first claim settlement responsibility is matched with the target claim settlement responsibility, the first policy corresponding to the first claim settlement responsibility is determined as the target policy, and a policy screening result is obtained. When the objective claim settlement responsibility is determined, the corresponding relationship between the insurance information, the claim type and the claim responsibility can be established in advance, so as to obtain the first mapping relationship table. Therefore, after the insurance information and the claim types are obtained subsequently, the corresponding target claim responsibility can be determined by searching the first mapping relation table based on the acquired insurance information and the claim types. When determining the first claim settlement responsibility of each first insurance policy, the method may first perform a claim settlement responsibility extraction process on each first insurance policy, so as to obtain the first claim settlement responsibility corresponding to each first insurance policy. Specifically, the extraction may be performed by a natural language processing technique, or may be performed in a keyword-based manner.
Further, in order to make the policy screening result more accurate, that is, to accurately screen out the target policy, the present embodiment may further include the following method: and receiving the identity information of the insured person, the insurance time of the insured person and the treatment type selected by the user based on the information selection area so as to obtain an insurance policy screening result based on the identity information, the insurance time, the treatment type, the insurance information and the claim settlement type. Specifically, a plurality of first insurance policies can be obtained according to the acquired insurance time and the identity information matching; then generating an entry type based on the insurance information, the claim type and the visit type, and determining the target claim responsibility based on the entry type; and finally, screening the policy containing the target claim settlement responsibility from the first policies of the plurality of insurances as a target policy based on the target claim settlement responsibility. In the specific implementation process, the corresponding relationship between the report type and the claim settlement responsibility can also be established in advance, and the second mapping relationship table is obtained. Thus, after the report type is determined, the target claim settlement responsibility corresponding to the report type can be determined by searching the second mapping relation table. In this embodiment, the claim settlement responsibility can be determined more accurately by generating the report type and determining the target claim settlement responsibility according to the report type.
The policy screening method is explained below in a specific application scenario. In this embodiment, the user logs in the server/terminal device through the terminal device, enters the corresponding display page, clicks the designated policy screening virtual key on the display page to serve as the policy screening request, and after receiving the policy screening request, the server/terminal device displays the information acquisition page by using the terminal device, so as to respond to the policy screening request. The information collection page may be specifically as shown in fig. 5, 6, and 7, and when the information collection page is displayed, the following guidance information may be output in sequence: as shown in fig. 5, firstly, guidance information "please select a claim object (identity information)" is output, and "zhangjie", "zhanna" and "zhangxiao" are displayed in the information selection area for selection by the user, when the "zhangxiao" selection by the user in the information selection area is received, guidance information may be output next, as shown in fig. 6, guidance information "please select insurance information" is output on the information collection page, and "sick", "accidental injury" and "other situation" are displayed in the information selection area for selection by the user, when "sick" selected by the user in the information selection area is received, guidance information may be further output, as shown in fig. 7, guidance information "please select a claim type" is output on the information collection page, and "medical expense report", "disability", "serious illness", "bad weather" and "are displayed in the information selection area, The other is selected by the user, when the user selects the medical expense reimbursement in the information selection area is received, the guide information "please select the type of the medical treatment" may be further outputted, and various types of the medical treatment are selectively displayed in the information selection area for the user to select, when receiving the selection of "hospitalization" by the user in the information selection area, the guide information "please select the time for confirmed diagnosis of disease" may be further outputted, and the calendar is selectively displayed in the information selection area for the user to select, when the user selects "x years x months x days" in the information selection area, the server can screen the insurance policy according to the identity information (claim settlement object) of the insured person selected by the user and the insurance time (disease diagnosis time) to obtain a plurality of first insurance policies of which the insurance time is in the insurance limit and is matched with the insured person identity, namely screening to obtain the insurance policy of the insured person; and then, determining the type of the report according to the insurance information, the type of the claim and the type of the visit, determining target claim settlement responsibility according to the type of the report, and finally screening each first insurance policy according to the target claim settlement responsibility to determine a target insurance policy which can apply for the claim settlement, thereby obtaining a insurance policy screening result. The insurance information may specifically include any one or more of the following: disease information and accident information; the unexpected information comprises one or more of the following: traffic accidents, injuries in sports, earthquakes, floods and fires. The claim types include one or more of the following: medical treatment, serious illness, disability, physical disability and bad weather. The diagnosis types comprise one or more of the following types: outpatient service, hospitalization, medicine, special outpatient service, proton heavy ion, special medicine hospitalization, transportation and the like. The types of the reports comprise one or more of the following types: illness-medical-outpatient, illness-medical-hospitalization, illness-serious illness, illness-disability, illness-disposition, accident-medical-outpatient, accident-medical-hospitalization, accident-serious illness, accident-disability, accident-disposition, illness-medical-specialized hospitalization, and other-others.
In this embodiment, the information acquisition page may further include an information input area, and when the information to be selected prompted in the information selection area does not meet the user requirement (i.e., when the information is not the information that the user wants to select), the user may directly input the information that the user wants to submit in the information input area, for example, the information selection area displays "zhangjie", "zhangna", and "zhangcuihua" for the user to select, but is not the information of the identity of the insured person that the user wants to submit, so that the user may input "zhangsan" in the information input area to enable the server/terminal device to obtain the identity information of the insured person.
In this application, through showing corresponding information acquisition page to the output guides information and guides the user to select information such as corresponding information of bringing out an insurance premium, claim settlement type, can be faster select the target policy that the user can apply for claim settlement, has improved claim settlement efficiency, the convenient degree of very big promotion user's claim settlement application.
Another embodiment of the present application provides a storage medium storing a computer program which, when executed by a processor, performs the method steps of:
step one, acquiring the insurance information of the insured person;
step two, acquiring the claim settlement type of the insured person;
thirdly, determining target claim settlement responsibility at least based on the insurance information and the claim settlement type;
and step four, screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of insurances as a target policy based on the target claim settlement responsibility.
The specific implementation process of the above method steps can be referred to in any embodiment of the policy screening method, and this embodiment is not repeated herein.
In the embodiment, the corresponding target claim settlement responsibility can be determined by acquiring the insurance information of the insured person and the claim settlement type of the insured person, and then the insured policy is screened according to the target claim settlement responsibility, so that the target policy containing the target claim settlement responsibility can be determined, namely the claim settlement policy is screened out, the screening time of the policy is reduced, and the convenience degree of the claim settlement and the case report of the user is greatly improved. Namely, the user does not need to understand complicated and lengthy insurance responsibility terms any more, and the client can acquire the information of the user such as the insurance information, the claim settlement type and the like by simply answering the questions, so that the policy which accords with the claim settlement condition of the user can be quickly found, the case reporting efficiency of the user is greatly improved, the case reporting amount of the user with wrong policy selection is greatly reduced, and the service volume of claim settlement examination is reduced.
Another embodiment of the present application provides a storage medium storing a computer program which, when executed by a processor, performs the method steps of:
step one, displaying an information acquisition page to respond to a policy screening request; the information acquisition page comprises an information selection area and guide information;
and secondly, receiving the insurance information and the claim type selected by the user based on the information selection area, and obtaining the policy screening result at least based on the insurance information and the claim type.
The specific implementation process of the above method steps can be referred to in any embodiment of the policy screening method, and this embodiment is not repeated herein.
In this application, through showing corresponding information acquisition page to the output guides information and guides the user to select information such as corresponding information of bringing out an insurance premium, claim settlement type, can be faster select the target policy that the user can apply for claim settlement, has improved claim settlement efficiency, the convenient degree of very big promotion user's claim settlement application.
The above embodiments are only exemplary embodiments of the present application, and are not intended to limit the present application, and the protection scope of the present application is defined by the claims. Various modifications and equivalents may be made by those skilled in the art within the spirit and scope of the present application and such modifications and equivalents should also be considered to be within the scope of the present application.
Claims (12)
1. A policy screening method, comprising:
acquiring the insurance information of the insured person;
acquiring the claim type of the insured person;
determining a target claim liability based at least on the exposure information and the claim type;
and screening out the policy containing the target claim settlement responsibility from the first policies of the plurality of applications as a target policy based on the target claim settlement responsibility.
2. The method of claim 1, wherein said obtaining insurance information for the insured life specifically comprises:
accident information input by a user is received, and the insurance information is obtained based on the accident information.
3. The method of claim 1, wherein the method further comprises: acquiring the type of the medical treatment of the insured person;
the determining target claim accountability based on at least the venture information and the claim type specifically includes: generating an entry type based on the insurance information, the claim type and the visit type, and determining the target claim responsibility based on the entry type.
4. The method of claim 3, wherein the method further comprises:
establishing a corresponding relation between the report type and the claim settlement responsibility to obtain a mapping relation table;
the determining the target claim settlement responsibility based on the report type specifically includes:
and searching the mapping relation table based on the report type to determine the target claim settlement responsibility corresponding to the report type.
5. The method of claim 1, wherein the method further comprises:
acquiring identity information of an insured life;
obtaining a number of the first policies based at least on the identity information matches.
6. The method of claim 5, wherein the method further comprises:
acquiring the insurance time of the insured person to obtain a plurality of first insurance policies based on the insurance time and the identity information matching.
7. The method of claim 1, wherein the screening of the policy containing the objective claim responsibility from the first policies of the plurality of applications based on the objective claim responsibility as the objective policy comprises:
carrying out claim settlement responsibility extraction processing on each first insurance policy to obtain first claim settlement responsibility corresponding to each first insurance policy;
and matching each first claim settlement responsibility with the target claim settlement responsibility, and determining that the first insurance policy corresponding to the first claim settlement responsibility is a target insurance policy when the first claim settlement responsibility is matched with the target claim settlement responsibility.
8. The method of claim 1, wherein the method further comprises: displaying the target insurance policy according to a preset mode;
wherein, in the case that the target policy is plural, the method further comprises:
sequencing the target insurance policies according to the insurance amount of the target insurance policies so as to display the target insurance policies from high to low;
or sequencing each target policy according to the type of each target policy so as to display each target policy according to the display sequence corresponding to the policy type;
or sorting the target insurance policies according to the claim settlement periods of the target insurance policies, and displaying the target insurance policies according to the order of the claim settlement periods from short to long.
9. The method of claim 6, wherein the method further comprises:
sequentially outputting guide information to prompt a user to input identity information, the insurance time, the insurance information, the claim settlement type and the treatment type respectively;
and acquiring the identity information of the insured person, the insured time of the insured person, the insured information of the insured person, the claim type of the insured person and the visit type of the insured person based on the received identity information, the insured time, the insured information, the claim type of the insured person and the visit type of the insured person.
10. A policy screening method is characterized by comprising the following steps:
displaying an information acquisition page to respond to the policy screening request; the information acquisition page comprises an information selection area and guide information;
and receiving the insurance information and the claim type selected by the user based on the information selection area so as to obtain an insurance policy screening result based on at least the insurance information and the claim type.
11. The method of claim 10, wherein the method further comprises: and receiving the identity information of the insured person, the insurance time and the treatment type of the insured person selected by the user based on the information selection area so as to obtain an insurance policy screening result based on the identity information, the insurance time, the treatment type, the insurance information and the claim settlement type.
12. A storage medium, wherein the storage medium stores a computer program that, when executed by a processor, implements the steps of the policy screening method of any one of claims 1 to 9 above or implements the steps of the policy screening method of any one of claims 10 to 11 above.
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