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1. (WO2017157029) INSURANCE ACTUARIAL METHOD AND SYSTEM BASED ON MEDICAL BIG DATA

Pub. No.:    WO/2017/157029    International Application No.:    PCT/CN2016/105113
Publication Date: Fri Sep 22 01:59:59 CEST 2017 International Filing Date: Wed Nov 09 00:59:59 CET 2016
IPC: G06Q 40/00
Applicants: ANYCHECK INFORMATION TECHNOLOGIES CO., LTD.
深圳市前海安测信息技术有限公司
Inventors: ZHANG, Guanjing
张贯京
Title: INSURANCE ACTUARIAL METHOD AND SYSTEM BASED ON MEDICAL BIG DATA
Abstract:
An insurance actuarial method and system based on medical big data. The method comprises the following steps: receiving sign information sent by a sign information acquisition system as first reference data, receiving medical information sent by a medical information acquisition system as second reference data, and calculating a disease risk probability of an insurance applicant according to the first reference data and the second reference data (S10); creating an insurance product by using the disease risk probability as one insurance factor (S20); and according to the insurance product, outputting insurance information and generating an insurance policy (S30). According to the insurance actuarial method and system based on medical big data, the disease risk probability of an insurance applicant is calculated by using the sign information and the medical information of the insurance applicant as reference data, and the disease risk probability is used as one insurance factor in insurance actuarial calculation to create an insurance product, such that the output risk of the insurance product can be reduced.