WO2019119618A1 - 健康险产品投保方法、装置、设备及可读存储介质 - Google Patents

健康险产品投保方法、装置、设备及可读存储介质 Download PDF

Info

Publication number
WO2019119618A1
WO2019119618A1 PCT/CN2018/074622 CN2018074622W WO2019119618A1 WO 2019119618 A1 WO2019119618 A1 WO 2019119618A1 CN 2018074622 W CN2018074622 W CN 2018074622W WO 2019119618 A1 WO2019119618 A1 WO 2019119618A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
insurance
customer
health
underwriting
Prior art date
Application number
PCT/CN2018/074622
Other languages
English (en)
French (fr)
Inventor
谌弯
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2019119618A1 publication Critical patent/WO2019119618A1/zh

Links

Classifications

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

Definitions

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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种健康险产品投保方法、装置、设备及可读存储介质，方法包括：接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息（S10）；确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件（S20）；当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保（S30）。本方案通过采集终端、管理***和客户端的信息交互投保，采集终端采集客户的投保信息上传到管理***，管理***对上传的投保信息进行核定，并生成保单下发到客户端，避免因录入字迹不清，需现场反复确认，提高了投保和核保效率。

Description

健康险产品投保方法、装置、设备及可读存储介质
本申请要求于2017年12月21日提交中国专利局、申请号为201711399260.0、发明名称为“健康险产品投保方法、装置、设备及可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请主要涉及金融风控***技术领域，具体地说，涉及一种健康险产品投保方法、装置、设备及可读存储介质。
背景技术
目前，在进行健康险产品投保时，通过客户在纸质投保书上手动录入的方式，当录入的字迹不清或模糊时，需要下发此字迹不清或模糊的文件到销售人员，由销售人员到现场与客户进行确认，以完成回销；此外在核保和承保过程中也存在类似问题，浪费了销售人员以及客户的大量时间和精力，造成投保、核保及承保效率低，客户体验差。
发明内容
本申请的主要目的是提供一种健康险产品投保方法、装置、设备及可读存储介质，旨在解决现有技术中客户风险等级评定不能准确反映客户风险情形的问题。
为实现上述目的，本申请提供一种健康险产品投保方法，所述健康险产品投保方法包括以下步骤：
接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
优选地，所述根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件的步骤包括：
将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值；
当评估结果小于预设值时，判定客户具有承保条件。
优选地，所述判断评估结果是否小于预设值的步骤之后包括：
当评估结果大于或等于预设值时，发送提交健康证明的提示信息；
当接收到健康证明，且在健康证明中的结果为正常时，判定客户具有承保条件。
优选地，所述在健康证明中的结果为正常时，判定客户具有承保条件的步骤包括：
当健康证明中的结果为正常时，对健康证明的真伪性进行检测；
当检测出健康证明为真，则判定客户具有承保条件。
优选地，所述当评估结果大于或等于预设值时，发送提交健康证明的提示信息的步骤包括：
当评估结果大于或等于预设值时，获取个人信息中的客户ID；
与客户ID对应的客户端建立通信连接，并向所述客户端发送提交健康证明的提示信息。
优选地，所述根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保的步骤包括：
抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
接收经确认后的保单，并对该保单进行存储。
此外，为实现上述目的，本申请还提出一种健康险产品投保装置，所述健康险产品投保装置包括：
接收模块，用于接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
确定模块，用于确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
生成模块，用于当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
优选地，所述确定模块包括：
确定单元，用于将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
判断单元，用于基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值，当评估结果小于预设值时，判定客户具有承保条件。
此外，为实现上述目的，本申请还提出一种健康险产品投保设备，所述健康险产品投保设备包括：存储器、处理器、通信总线以及存储在所述存储器上的健康险产品投保程序；
所述通信总线用于实现处理器和存储器之间的连接通信；
所述处理器用于执行所述健康险产品投保程序，以实现以下步骤：
接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
此外，为实现上述目的，本申请还提供一种可读存储介质，所述可读存储介质存储有一个或者一个以上程序，所述一个或者一个以上程序可被一个或者一个以上的处理器执行以用于：
接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
本实施例的健康险产品投保方法、装置、设备及可读存储介质，通过接受采集终端采集并发送的包括投保产品、个人信息和健康信息的客户投保信息，并确定投保产品的核保规则，从而根据核保规则、个人信息以及健康信息确定客户是否具有承保条件，当客户具有承保条件时，根据投保信息生成保单，将此生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。本方案通过采集终端、管理***和客户端的信息交互进行投保，采集终端采集客户的投保信息上传到管理***，管理***对各健康险产品、投保单等进行管理，对上传的客户投保信息进行核定，并生成保单下发到采集终端采集的客户投保信息所对应客户持有的客户端，避免因录入字迹不清或模糊，需要现场反复确认，提高了投保和核保效率，减少了销售人员及客户的时间和精力的浪费，节省了资源，提高了用户体验。
附图说明
图1是本申请的健康险产品投保方法第一实施例的流程示意图；
图2是本申请的健康险产品投保装置第一实施例的功能模块示意图；
图3是本申请实施例方法涉及的硬件运行环境的设备结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种健康险产品投保方法。
请参照图1，图1为本申请健康险产品投保方法第一实施例的流程示意图。在本实施例中，所述健康险产品投保方法包括：
步骤S10，接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品、个人信息和健康信息；
本方案中的健康险产品投保适通过采集终端、管理***以及客户端的信息交互进行健康险产品的投保；健康险是以被保险人的身体为保险标的，对被保险人因遭受疾病或意外伤害事故所发生的医疗费用损失提供经济补偿。健康保险按保障范围可分为:疾病保险、医疗保险、失能保险和护理保险等。采集终端为健康险产品销售人员所持有的移动终端，可以是移动电脑、平板电脑等，用于采集客户的投保信息；管理***对各类健康险产品、各用户的保单进行管理，对客户的投保信息进行核保；客户端为客户所持有的移动终端，可以是手机、平板电脑等，用于和管理***交互通信，对管理***下发的文件进行确认反馈。采集终端显示界面显示有各种健康险产品的产品信息，当客户结合各产品信息以及其需求确定其投保意向后，向采集终端发出选择指令。当接收到与投保意向所对应健康险产品的选择指令时，跳转到信息录入页面。信息录入页面设置有指引信息，如必填项标记、年龄格式类型等，以引导客户录入符合要求的客户投保信息。接收客户根据指引信息输入的个人信息和健康信息，其中个人信息包括被保险人姓名、性别、证件类型、证件号码、出生年月、工作性质、工作环节、工作年限、通信方式等；健康信息包括被保险人的疾病信息、伤病信息、诊疗信息、康复信息等。将此录入的个人信息和健康信息，与投保意向对应的投保产品一并作为投保信息传送到管理***，管理***对此采集终端采集并发送的投保信息进行接收。
步骤S20，确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
管理***在接收到客户投保信息后，根据投保信息中的投保产品，确定该投保产品的核保规则。金融机构后台对各类健康险产品设置有表征健康险产品唯一性的编号，当接收到投保信息后，获取其中投保产品的编号，并从管理***中的所有投保产品中查找与此编号对应的投保产品，从而获取此投保产品的核保规则，其中核保规则可包括：投保人资格核验、被保险人资格核验、高额保件资格核验等，如投保人为18周岁以上的完全民事行为能力人、其年交保费不得超过其年收入的20%；被保险人不能罹患恶心肿瘤，有固定工作、固定住址、固定收入，被保险人保额不得超过其年收入的20倍等；当每一被保险人一次投保或累计投保保额超过50万元时为高额保件。确定投保产品的核保规则后，将客户投保信息中的个人信息、健康信息分别与核保规则对比，以判断客户是否满足核保规则，具有承保条件。
步骤S30，当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
当客户投保信息中的个人信息以及健康信息满足投保产品的核保规则时，说明客户具有承保条件，根据客户投保信息生成保单，将此生成的保单下发到客户端进行投保，其中客户端为采集终端采集客户投保信息所对应客户持有的终端。生成保单并下发的具体步骤包括：
步骤S31，抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
为了避免客户反复多次填写信息，在采集终端采集投保信息时，所采集的包括个人信息和健康信息的投保信息类型较多，其中涉及到用于核保的核保信息，也涉及到生成保单的信息。而为了规范保单管理，设置有保单模板，将每个客户特定的信息录入到此保单模板中即可生成客户对应的个人保单。在核保完成后，抓取客户投保信息中与保单模板对应的信息生成保单。如当保单模板中包括客户姓名、性别、证件号码等信息，则从个人信息中抓取此类信息录入到保险模板中，直到保险模板中的必选项均录入完成，则生成保单，将此生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端。当客户端接收到保单时，发出提示信息以提示客户查看，客户查看并通过客户端发送确认指令，实现对保单的确认，并将此确认的保单发送到管理***。此外，客户还可以对此接收的保单中有疑问的位置进行咨询，后台根据接收到的咨询关键词匹配对应答复，或者为客户建立人工连接，进行人工咨询。
步骤S32，接收经确认后的保单，并对该保单进行存储。
当管理***接收到经客户确认后的保单后，说明客户对此保单无异议，双方达成协议，管理***将此保单进行存储备份。管理***后台数据库针对各个客户建立存储区域，当新客户申请购买健康险产品时，数据库为此新客户分配一块唯一的存储区域，与其他客户进行区分；新客户的各种信息均存储在此存储区域内，后续交互的数据，也均存储在此区域内备份，以用于后续查询。
本实施例的健康险产品投保方法，通过接受采集终端采集并发送的包括投保产品、个人信息和健康信息的客户投保信息，并确定投保产品的核保规则，从而根据核保规则、个人信息以及健康信息确定客户是否具有承保条件，当客户具有承保条件时，根据投保信息生成保单，将此生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。本方案通过采集终端、管理***和客户端的信息交互进行投保，采集终端采集客户的投保信息上传到管理***，管理***对各健康险产品、投保单等进行管理，对上传的客户的投保信息进行核定，并生成保单下发到采集终端采集的客户投保信息所对应客户持有的客户端，避免因录入字迹不清或模糊，需要现场反复确认，提高了投保和核保效率，减少了销售人员及客户的时间和精力的浪费，节省了资源，提高了用户体验。
进一步地，在本申请健康险产品投保方法另一实施例中，所述根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件的步骤包括：
步骤S21，将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
在通过核保规则，个人信息以及健康信息判断客户是否具有承保条件时，先判断客户的健康信息是否符合核保规则中对应的健康条件，如匹配规则中设定满足以下任何一条的客户不能购买任何健康险产品：1、痴呆、精神科疾病；2、公司认定已身体高度残疾；3、罹患恶性肿瘤；4、肝硬化、慢性酒精中毒；5、***、肾切除三年以内；6、艾滋病或艾滋病病毒携带者。将包括疾病信息、伤病信息、诊疗信息、康复信息的健康信息和此核保规则匹配，当健康信息中没有满足其中任何一条的信息，则说明客户的健康信息和核保规则匹配成功；当健康信息中存在满足其中任何一条的信息，则说明客户的健康信息和核保信息匹配失败，客户不满足承保条件。此外，考虑到客户可能由于个人生活习惯或者工作原因，导致潜在的亚健康风险或疾病潜伏，从而本实施例将可能导致疾病或亚健康的因素预先设置为参考风险信息。如生活习惯是否重油重盐、是否嗜酒、是否晚睡、晚睡的时间点、是否抽烟、抽烟的量等以及工作环境是否多污染物、工作性质是否晚班、工作年限等。将此类可能影响客户身体健康的因素作为预设参考风险信息，并将客户投保信息中的个人信息和预设参考风险信息对比，确定个人信息中所存在的风险因子，此风险因子为个人信息中所存在的预设参考风险信息，如个人信息中存在预设参考风险信息中的嗜酒、晚睡，则其风险因子为嗜酒和晚睡。通过个人信息中所存在的风险因子对客户的健康信息进行进一步评估。
步骤S22，基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值；
在确定个人信息中的风险因子后，则基于此风险因子对健康信息进行评估，确定风险因子对客户健康状态的潜在影响。可理解地，当个人信息中包含的风险因子数量多，且风险大，则可说明此客户潜伏疾病的可能性越大，评估的客户健康状态的潜在影响越大。如个人信息中显示客户的工作环境存在较多粉尘、同时长期晚睡、晚睡的时间点在凌晨两点之后。相应地当包含的风险因子数量和风险均小，则可说明此客户潜伏疾病的可能性越小，评估的客户健康状态的潜在影响越小。如风险因子为晚睡，晚睡为12点半之前。通过客户个人信息中所确定的风险因子对健康信息进行评估，设定作为评估结果的评估分值，如当个人信息中风险因子在3各以内、且风险等级均为低等，则评估分值为A；而风险因子在3~5个之间、且存在任意一个风险因子的风险等级为中等，则评估分值为B；当风险因子在5个以上，且存在任意一个风险因子的风险等级为高级，则评估分值为C。不同的评估分值体现风险因子对健康信息的影响程度不相同，其中分值越低，说明风险因子对健康信息的影响越小；而分值越高，则说明风险因子对健康信息的影响越大。为了判定风险因子对健康信息的影响是否关系到购买健康险产品，本方案设置有预设值，此预设值为根据需求预先设置，在基于风险因子对健康信息进行评估，得到评估结果后，将评估结果和此预设值进行判断，以确定经风险因子评估后的客户健康信息是否满足承保条件。
步骤S23，当评估结果小于预设值时，判定客户具有承保条件。
当判断出评估结果小于预设值时，则说明风险因子对健康信息的影响不大，客户的个人生活习惯或者工作导致潜在疾病的可能性较小，不会影响到客户的投保资质，从而判定客户具有承保条件。此外判断的结果也可能为评估结果大于预设值，从而判断评估结果是否小于预设值的步骤之后包括：
步骤S24，当评估结果大于或等于预设值时，发送提交健康证明的提示信息；
当评估结果大于或等于预设值时，则说明风险因子对健康信息的影响较大，客户的个人生活习惯或者工作导致潜在疾病的可能性较大，会影响到客户的投保资质。为了进一步确定客户的健康状态，发送提交健康证明的提示信息，以证明客户的健康状态正常。提示信息可以向采集终端发送也可以直接向客户端发送，当向采集终端发送时，采集终端接收到提示信息后，经过销售人员告知客户，以避免客户遗忘此事项；当向客户端发送时，则可客户操作。提示信息中可包括需要哪一类型的健康证明，如针对肺部或肝部的市三甲医院以上的证明，以确保提交的健康证明符合要求，避免浪费客户的时间和精力。
步骤S25，当接收到健康证明，且在健康证明中的结果为正常时，判定客户具有承保条件。
与发送提示信息的途径对应，可将健康证明通过采集终端或者客户端上传到管理***。管理***在接收到健康证明后，对此健康证明中的结果进行检测，确定客户的健康状态是否正常。当检测出健康证明中的结果正常时，则说明客户的健康状况正常，判定客户具有承保条件，可进行投保。而当健康证明中的结果为异常时，则说明客户的健康状态存在异常，判定客户不具有承保条件，不能进行投保。向采集终端以及客户端发送客户通知单，告知客户不符合承保条件的原因，还可以在此客户通知单中推荐符合此客户的保险类型，以提升用户体验。
进一步地，在本申请健康险产品投保方法另一实施例中，所述在健康证明中的结果为正常时，判定客户具有承保条件的步骤包括：
步骤S251，当健康证明中的结果为正常时，对健康证明的真伪性进行检测；
可理解地，健康证明存在被恶意篡改的情况，将结果为异常的健康证明改成正常。为了防止此类事件的发生，本实施例在检测出健康证明的结果为正常时，进一步对健康证明的真伪进行检测。将本管理***与第三方验证机构对接，需要进行真伪检测时，调用第三方验证机构的通信接口，和第三方验证机构建立通信，将健康证明传输到第三方机构进行检测，并将检测的结果回传到本管理***。
步骤S252，当检测出健康证明为真，则判定客户具有承保条件。
当检测出健康证明为真，即健康证明真实有效，则可判定客户具有承保条件，向采集终端以及客户端发送客户通知单，告知客户符合承保条件。
进一步地，在本申请健康险产品投保方法另一实施例中，所述当评估结果大于或等于预设值时，发送提交健康证明的提示信息的步骤包括：
步骤S241，当评估结果大于或等于预设值时，获取个人信息中的客户ID；
进一步地，在评估结果不小于预设值，需要向客户端发送健康证明的提示信息时，先建立与客户端的通信连接，再进行发送操作。但因进行投保的客户端众多，需要确定与提供健康证明对应的客户端。具体地，当接收到客户投保信息时即给此客户分配表征其唯一性的客户ID，将此客户ID和投保信息关联。当需要发送提示信息时，获取此客户ID，即可获知发送的对象。此外也可以通过客户端关注投保产品所属金融机构的微信公众号或微博账号，关注时将客户端的账号作为客户ID，将其和投保信息关联，以根据投保信息确定客户ID。
步骤S242，与客户ID对应的客户端建立通信连接，并向所述客户端发送提交健康证明的提示信息。
更进一步地，在获取客户ID后，与此客户ID对应的客户端建立通信连接，连接的方式为无线网络连接，通过此无线网络连接向客户端发送提交健康证明的提示信息。
此外，请参照图2，本申请提供一种健康险产品投保装置，在本申请健康险产品投保装置第一实施例中，所述健康险产品投保装置包括：
接收模块10，用于接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
本方案中的健康险产品投保适通过采集终端、管理***以及客户端的信息交互进行健康险产品的投保；健康险是以被保险人的身体为保险标的，对被保险人因遭受疾病或意外伤害事故所发生的医疗费用损失提供经济补偿。健康保险按保障范围可分为:疾病保险、医疗保险、失能保险和护理保险等。采集终端为健康险产品销售人员所持有的移动终端，可以是移动电脑、平板电脑等，用于采集客户的投保信息；管理***对各类健康险产品、各用户的保单进行管理，对客户的投保信息进行核保；客户端为客户所持有的移动终端，可以是手机、平板电脑等，用于和管理***交互通信，对管理***下发的文件进行确认反馈。采集终端显示界面显示有各种健康险产品的产品信息，当客户结合各产品信息以及其需求确定其投保意向后，向采集终端发出选择指令。当接收到与投保意向所对应健康险产品的选择指令时，跳转到信息录入页面。信息录入页面设置有指引信息，如必填项标记、年龄格式类型等，以引导客户录入符合要求的客户投保信息。接收客户根据指引信息输入的个人信息和健康信息，其中个人信息包括被保险人姓名、性别、证件类型、证件号码、出生年月、工作性质、工作环节、工作年限、通信方式等；健康信息包括被保险人的疾病信息、伤病信息、诊疗信息、康复信息等。将此录入的个人信息和健康信息，与投保意向对应的投保产品一并作为投保信息传送到管理***，接收模块10对此采集终端采集并发送的投保信息进行接收。
确定模块20，用于确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
管理***在接收到客户投保信息后，根据投保信息中的投保产品，确定模块20确定该投保产品的核保规则。金融机构后台对各类健康险产品设置有表征健康险产品唯一性的编号，当接收到投保信息后，获取其中投保产品的编号，并从管理***中的所有投保产品中查找与此编号对应的投保产品，从而获取此投保产品的核保规则，其中核保规则可包括：投保人资格核验、被保险人资格核验、高额保件资格核验等，如投保人为18周岁以上的完全民事行为能力人、其年交保费不得超过其年收入的20%；被保险人不能罹患恶心肿瘤，有固定工作、固定住址、固定收入，被保险人保额不得超过其年收入的20倍等；当每一被保险人一次投保或累计投保保额超过50万元时为高额保件。确定模块20确定投保产品的核保规则后，将客户投保信息中的个人信息、健康信息分别与核保规则对比，以判断客户是否满足核保规则，具有承保条件。
生成模块30，用于当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
当客户投保信息中的个人信息以及健康信息满足投保产品的核保规则时，说明客户具有承保条件，生成模块30根据客户投保信息生成保单，将此生成的保单下发到客户端进行投保，其中客户端为采集终端采集客户投保信息所对应客户持有的终端。具体地，生成模块30用于执行以下步骤:
步骤q1，抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
为了避免客户反复多次填写信息，在采集终端采集投保信息时，所采集的包括个人信息和健康信息的投保信息类型较多，其中涉及到用于核保的核保信息，也涉及到生成保单的信息。而为了规范保单管理，设置有保单模板，将每个客户特定的信息录入到此保单模板中即可生成客户对应的个人保单。在核保完成后，抓取客户投保信息中与保单模板对应的信息生成保单。如当保单模板中包括客户姓名、性别、证件号码等信息，则从个人信息中抓取此类信息录入到保险模板中，直到保险模板中的必选项均录入完成，则生成保单，将此生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端。当客户端接收到保单时，发出提示信息以提示客户查看，客户查看并通过客户端发送确认指令，实现对保单的确认，并将此确认的保单发送到管理***。此外，客户还可以对此接收的保单中有疑问的位置进行咨询，后台根据接收到的咨询关键词匹配对应答复，或者为客户建立人工连接，进行人工咨询。
步骤q2，接收经确认后的保单，并对该保单进行存储。
当管理***接收到经客户确认后的保单后，说明客户对此保单无异议，双方达成协议，管理***将此保单进行存储备份。管理***后台数据库针对各个客户建立存储区域，当新客户申请购买健康险产品时，数据库为此新客户分配一块唯一的存储区域，与其他客户进行区分；新客户的各种信息均存储在此存储区域内，后续交互的数据，也均存储在此区域内备份，以用于后续查询。
本实施例的健康险产品投保装置，通过接收模块10接受采集终端采集并发送的包括投保产品、个人信息和健康信息的客户投保信息，并通过确定模块20确定投保产品的核保规则，从而根据核保规则、个人信息以及健康信息确定客户是否具有承保条件，当客户具有承保条件时，生成模块30根据投保信息生成保单，将此生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。本方案通过采集终端、管理***和客户端的信息交互进行投保，采集终端采集客户的投保信息上传到管理***，管理***对各健康险产品、投保单等进行管理，对上传的客户的投保信息进行核定，并生成保单下发到采集终端采集的客户投保信息所对应客户持有的客户端，避免因录入字迹不清或模糊，需要现场反复确认，提高了投保和核保效率，减少了销售人员及客户的时间和精力的浪费，节省了资源，提高了用户体验。
需要说明的是，本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
参照图3，图3是本申请实施例方法涉及的硬件运行环境的设备结构示意图。
本申请实施例健康险产品投保设备可以是PC，也可以是智能手机、平板电脑、电子书阅读器、便携计算机等终端设备。
如图3所示，该健康险产品投保设备可以包括：处理器1001，例如CPU，存储器1005，通信总线1002。其中，通信总线1002用于实现处理器1001和存储器1005之间的连接通信。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，该健康险产品投保设备还可以包括用户接口、网络接口、摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。用户接口可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口还可以包括标准的有线接口、无线接口。网络接口可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。
本领域技术人员可以理解，图3中示出的健康险产品投保设备结构并不构成对健康险产品投保设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图3所示，作为一种计算机存储介质的存储器1005中可以包括操作***、网络通信模块以及健康险产品投保程序。操作***是管理和控制健康险产品投保设备硬件和软件资源的程序，支持健康险产品投保程序以及其它软件和/或程序的运行。网络通信模块用于实现存储器1005内部各组件之间的通信，以及与健康险产品投保设备中其它硬件和软件之间通信。
在图3所示的健康险产品投保设备中，处理器1001用于执行存储器1005中存储的健康险产品投保程序，实现上述健康险产品投保方法各实施例中的步骤。
本申请提供了一种可读存储介质，所述可读存储介质存储有一个或者一个以上程序，所述一个或者一个以上程序还可被一个或者一个以上的处理器执行以用于实现上述健康险产品投保方法各实施例中的步骤。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在如上所述的一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，或者网络设备等）执行本申请各个实施例所述的方法。
以上所述仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是在本申请的构思下，利用本申请说明书及附图内容所作的等效结构变换，或直接/间接运用在其他相关的技术领域均包括在本申请的专利保护范围内。

Claims (20)

  1. 一种健康险产品投保方法，其特征在于，所述健康险产品投保方法包括以下步骤：
    接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
    确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
    当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
  2. 如权利要求1所述的健康险产品投保方法，其特征在于，所述根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件的步骤包括：
    将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
    基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值；
    当评估结果小于预设值时，判定客户具有承保条件。
  3. 如权利要求2所述的健康险产品投保方法，其特征在于，所述判断评估结果是否小于预设值的步骤之后包括：
    当评估结果大于或等于预设值时，发送提交健康证明的提示信息；
    当接收到健康证明，且在健康证明中的结果为正常时，判定客户具有承保条件。
  4. 如权利要求3所述的健康险产品投保方法，其特征在于，所述在健康证明中的结果为正常时，判定客户具有承保条件的步骤包括：
    当健康证明中的结果为正常时，对健康证明的真伪性进行检测；
    当检测出健康证明为真，则判定客户具有承保条件。
  5. 如权利要求3所述的健康险产品投保方法，其特征在于，所述当评估结果大于或等于预设值时，发送提交健康证明的提示信息的步骤包括：
    当评估结果大于或等于预设值时，获取个人信息中的客户ID；
    与客户ID对应的客户端建立通信连接，并向所述客户端发送提交健康证明的提示信息。
  6. 如权利要求1所述的健康险产品投保方法，其特征在于，所述根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保的步骤包括：
    抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
    接收经确认后的保单，并对该保单进行存储。
  7. 一种健康险产品投保装置，其特征在于，所述健康险产品投保装置包括：
    接收模块，用于接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
    确定模块，用于确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
    生成模块，用于当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
  8. 如权利要求7所述的健康险产品投保装置，其特征在于，所述确定模块包括：
    确定单元，用于将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
    判断单元，用于基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值，当评估结果小于预设值时，判定客户具有承保条件。
  9. 一种健康险产品投保设备，其特征在于，所述健康险产品投保设备包括：存储器、处理器、通信总线以及存储在所述存储器上的健康险产品投保程序；
    所述通信总线用于实现处理器和存储器之间的连接通信；
    所述处理器用于执行所述健康险产品投保程序，以实现以下步骤：
    接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
    确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
    当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
  10. 如权利要求9所述的健康险产品投保设备，其特征在于，所述根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件的步骤包括：
    将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
    基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值；
    当评估结果小于预设值时，判定客户具有承保条件。
  11. 如权利要求10所述的健康险产品投保设备，其特征在于，所述判断评估结果是否小于预设值的步骤之后，所述处理器用于执行所述健康险产品投保程序，以实现以下步骤：
    当评估结果大于或等于预设值时，发送提交健康证明的提示信息；
    当接收到健康证明，且在健康证明中的结果为正常时，判定客户具有承保条件。
  12. 如权利要求11所述的健康险产品投保设备，其特征在于，所述在健康证明中的结果为正常时，判定客户具有承保条件的步骤包括：
    当健康证明中的结果为正常时，对健康证明的真伪性进行检测；
    当检测出健康证明为真，则判定客户具有承保条件。
  13. 如权利要求11所述的健康险产品投保设备，其特征在于，所述当评估结果大于或等于预设值时，发送提交健康证明的提示信息的步骤包括：
    当评估结果大于或等于预设值时，获取个人信息中的客户ID；
    与客户ID对应的客户端建立通信连接，并向所述客户端发送提交健康证明的提示信息。
  14. 如权利要求9所述的健康险产品投保设备，其特征在于，所述根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保的步骤包括：
    抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
    接收经确认后的保单，并对该保单进行存储。
  15. 一种可读存储介质，其特征在于，所述计算机课读存储介质上存储有健康险产品投保程序，所述健康险产品投保程序被处理器执行，以实现以下步骤：
    接收采集终端采集并发送的客户投保信息，其中投保信息包括投保产品信息、个人信息和健康信息；
    确定投保产品的核保规则，并根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件；
    当确定客户具有承保条件时，根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保。
  16. 如权利要求15所述的可读存储介质，其特征在于，所述根据所述核保规则、个人信息以及健康信息确定客户是否具有承保条件的步骤包括：
    将健康信息和核保规则匹配，并在健康信息和核保规则匹配成功时，将个人信息与预设参考风险信息对比，确定个人信息中的风险因子；
    基于风险因子对健康信息进行评估，并判断评估结果是否小于预设值；
    当评估结果小于预设值时，判定客户具有承保条件。
  17. 如权利要求16所述的可读存储介质，其特征在于，所述判断评估结果是否小于预设值的步骤之后，所述健康险产品投保程序被处理器执行，以实现以下步骤：
    当评估结果大于或等于预设值时，发送提交健康证明的提示信息；
    当接收到健康证明，且在健康证明中的结果为正常时，判定客户具有承保条件。
  18. 如权利要求17所述的可读存储介质，其特征在于，所述在健康证明中的结果为正常时，判定客户具有承保条件的步骤包括：
    当健康证明中的结果为正常时，对健康证明的真伪性进行检测；
    当检测出健康证明为真，则判定客户具有承保条件。
  19. 如权利要求17所述的可读存储介质，其特征在于，所述当评估结果大于或等于预设值时，发送提交健康证明的提示信息的步骤包括：
    当评估结果大于或等于预设值时，获取个人信息中的客户ID；
    与客户ID对应的客户端建立通信连接，并向所述客户端发送提交健康证明的提示信息。
  20. 如权利要求15所述的可读存储介质，其特征在于，所述根据投保信息生成保单，并将生成的保单下发到采集终端采集的客户投保信息所对应客户持有的客户端进行投保的步骤包括：
    抓取投保信息中与保单模板对应的信息生成保单，并将生成的保单传输到采集终端采集的客户投保信息所对应客户持有的客户端，以对保单进行确认；
    接收经确认后的保单，并对该保单进行存储。
PCT/CN2018/074622 2017-12-21 2018-01-30 健康险产品投保方法、装置、设备及可读存储介质 WO2019119618A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201711399260.0 2017-12-21
CN201711399260.0A CN108133423A (zh) 2017-12-21 2017-12-21 健康险产品投保方法、装置、设备及可读存储介质

Publications (1)

Publication Number Publication Date
WO2019119618A1 true WO2019119618A1 (zh) 2019-06-27

Family

ID=62392158

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/074622 WO2019119618A1 (zh) 2017-12-21 2018-01-30 健康险产品投保方法、装置、设备及可读存储介质

Country Status (2)

Country Link
CN (1) CN108133423A (zh)
WO (1) WO2019119618A1 (zh)

Families Citing this family (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108921714A (zh) * 2018-07-10 2018-11-30 平安健康保险股份有限公司 保单核保处理方法、装置、计算机设备及存储介质
CN108984754B (zh) * 2018-07-18 2023-04-18 平安科技（深圳）有限公司 客户信息更新方法、装置、计算机设备及存储介质
CN109003192A (zh) * 2018-07-27 2018-12-14 深圳市元征科技股份有限公司 一种基于区块链的保险承保方法及相关设备
CN109165983A (zh) * 2018-09-04 2019-01-08 中国平安人寿保险股份有限公司 保险产品推荐方法、装置、计算机设备和存储介质
CN109377388B (zh) * 2018-09-13 2023-08-18 深圳平安医疗健康科技服务有限公司 医保投保方法、装置、计算机设备和存储介质
CN109472011A (zh) * 2018-09-25 2019-03-15 平安科技（深圳）有限公司 单证生成方法、装置、计算机设备及存储介质
CN109492863A (zh) * 2018-09-28 2019-03-19 平安普惠企业管理有限公司 金融单证的自动生成方法及装置
CN110969534A (zh) * 2018-09-30 2020-04-07 上海笛乐护斯健康科技有限公司 智能健康管理和生命安全保险***及其实现方法
CN109214939A (zh) * 2018-10-25 2019-01-15 平安科技（深圳）有限公司 一种在线投保方法、装置、终端及服务器
CN109493239A (zh) * 2018-10-27 2019-03-19 平安医疗健康管理股份有限公司 一种学平险资格认定方法及装置
CN109636625A (zh) * 2018-10-31 2019-04-16 深圳壹账通智能科技有限公司 保险电子合同的处理方法及装置、存储介质、计算机设备
CN109472711A (zh) * 2018-12-14 2019-03-15 平安健康保险股份有限公司 健康险的核保方法、装置、设备及计算机可读存储介质
CN109460944B (zh) * 2018-12-14 2024-05-03 平安健康保险股份有限公司 基于大数据的核保方法、装置、设备及可读存储介质
CN109785169A (zh) * 2019-01-09 2019-05-21 中国平安人寿保险股份有限公司 一种起保点的配置方法及装置
CN110070265A (zh) * 2019-03-19 2019-07-30 阿里巴巴集团控股有限公司 一种项目推荐方法及装置、一种计算设备及存储介质
CN110111207A (zh) * 2019-04-12 2019-08-09 中国平安人寿保险股份有限公司 核保方法及相关设备
CN110232636B (zh) * 2019-04-23 2024-04-02 中国平安人寿保险股份有限公司 一种核保方法和装置
CN110210983A (zh) * 2019-04-25 2019-09-06 深圳壹账通智能科技有限公司 一种具有相同属性人群的确定方法及其装置
CN110335060B (zh) * 2019-05-20 2023-03-31 微民保险代理有限公司 产品信息推送方法、装置、存储介质和计算机设备
CN110634076B (zh) * 2019-08-15 2023-06-20 创新先进技术有限公司 健康保障项目的用户健康核实方法及装置
CN110930123A (zh) * 2019-11-29 2020-03-27 泰康保险集团股份有限公司 数据处理方法、装置、电子设备和存储介质
CN111666591A (zh) * 2020-06-09 2020-09-15 山东健康医疗大数据有限公司 线上核保数据安全处理方法、***、设备及存储介质
CN111899052B (zh) * 2020-07-28 2024-07-19 深圳市慧择时代科技有限公司 一种数据处理方法和装置
CN113222769A (zh) * 2021-04-15 2021-08-06 国任财产保险股份有限公司 基于互联网的投保单处理方法及装置
CN114595322A (zh) * 2022-01-20 2022-06-07 北京健康之家科技有限公司 保险产品推荐方法及装置
CN117196862A (zh) * 2023-09-19 2023-12-08 国任财产保险股份有限公司 一种基于黑白名单验证的健康险承保***

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102332142A (zh) * 2011-07-22 2012-01-25 大连亿创天地科技发展有限公司 一种在线投保推荐方法及***
CN102713960A (zh) * 2009-08-17 2012-10-03 大都会人寿保险公司 保险承保的在线***和方法
CN105765619A (zh) * 2013-08-02 2016-07-13 全美公司 对人身保险申请人进行分类以确定适当的人身保险产品
CN106157147A (zh) * 2016-08-03 2016-11-23 合肥奇也信息科技有限公司 一种人寿保险在线投保***

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI425436B (zh) * 2008-03-05 2014-02-01 Shacom Com Inc 處理裝置及藉由一處理裝置實現之互助式保險方法
CN106530091A (zh) * 2015-09-15 2017-03-22 平安科技（深圳）有限公司 投保额度的计算方法及服务器
CN107203942A (zh) * 2016-03-15 2017-09-26 平安科技（深圳）有限公司 保险信息处理方法和***

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102713960A (zh) * 2009-08-17 2012-10-03 大都会人寿保险公司 保险承保的在线***和方法
CN102332142A (zh) * 2011-07-22 2012-01-25 大连亿创天地科技发展有限公司 一种在线投保推荐方法及***
CN105765619A (zh) * 2013-08-02 2016-07-13 全美公司 对人身保险申请人进行分类以确定适当的人身保险产品
CN106157147A (zh) * 2016-08-03 2016-11-23 合肥奇也信息科技有限公司 一种人寿保险在线投保***

Also Published As

Publication number Publication date
CN108133423A (zh) 2018-06-08

Similar Documents

Publication Publication Date Title
WO2019119618A1 (zh) 健康险产品投保方法、装置、设备及可读存储介质
WO2019104877A1 (zh) 通过网站对接购买保险的方法、装置、设备及介质
WO2019127848A1 (zh) 核保方法、核保装置、核保设备及存储介质
WO2018233351A1 (zh) 自助理赔方法、装置、服务器和计算机可读存储介质
WO2019037454A1 (zh) 保费缴纳方法、装置、设备及可读存储介质
WO2019037396A1 (zh) 账户清结算方法、装置、设备及存储介质
WO2018107610A1 (zh) 业务数据处理方法、***、设备及计算机可读存储介质
WO2019223058A1 (zh) 提高智能客服应答率的方法、设备、存储介质及装置
WO2019090986A1 (zh) 一种保险理赔案件的理算方法和装置
WO2019041831A1 (zh) 一种绩效指标考核评估方法、设备、装置及存储介质
WO2018233301A1 (zh) 产品推荐方法、装置、设备以及计算机可读存储介质
WO2016206178A1 (zh) O2o模式下的健康报告查询方法和***
WO2017012201A1 (zh) 基于电子诊疗单的科室识别方法和网络医院平台
WO2019109521A1 (zh) 视频面签身份审核方法、装置、设备及可读存储介质
WO2019091000A1 (zh) 银行账户解挂失业务处理方法、***、终端及存储介质
WO2017012200A1 (zh) 基于电子诊疗单的诊疗机构识别方法和网络医院平台
WO2019061613A1 (zh) 贷款资质筛选方法、装置及计算机可读存储介质
WO2018205545A1 (zh) 数据生成方法、装置、终端及计算机可读存储介质
WO2019192085A1 (zh) 银企直联通信方法、装置、设备及计算机可读存储介质
WO2020224247A1 (zh) 基于区块链的数据溯源方法、装置、设备及可读存储介质
WO2018227880A1 (zh) 数据比对方法、装置、设备及可读存储介质
WO2020006837A1 (zh) 商务卡关联监督方法、***、终端及可读存储介质
WO2019090984A1 (zh) 一种保单责任明细的核对方法和装置
WO2019051887A1 (zh) 家电的控制方法、装置和计算机可读存储介质
WO2019104876A1 (zh) 保险产品的推送方法、***、终端、客户终端及存储介质

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18890118

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205 DATED 22/09/2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18890118

Country of ref document: EP

Kind code of ref document: A1