BIG DATA-BASED METHOD, DEVICE, AND EQUIPMENT FOR INSURANCE PRICING, AND READABLE STORAGE MEDIUM

摘要

A big data-based method, equipment, and device for insurance pricing, and a readable storage medium. When a pricing request is received, a payment plan and the average annual fees per capita for a specialty drug are acquired, an estimated annual payment per capita is acquired on the basis of the average annual fees per capita for the specialty drug and of the payment plan; a competing product apportionment factor of the specialty drug is acquired on the basis of preset competitive product apportionment rule; the incidence rate of an indication of the specialty drug is acquired, an annual risk premium for the specialty drug is acquired on the basis of the estimated annual payment per capita, of the incidence rate of the indication, and of the competing product apportionment factor; and, an annual gross premium per capita of an insurance program for the specialty drug is acquired on the basis of the annual risk premium and of a preset operation plan. The method, equipment, and device and the readable storage medium combine multiple influencing factors, namely fees for using the specialty drug, the incidence rate of a disease, the market situation of a competing product, and operating costs, in calculating the gross premium for the insurance program for the specialty drug, pricing of the insurance program for the specialty drug is performed by means of big data analysis and processing, thus comprehensively taking into consideration the price influencing factors of the insurance program for the specialty drug, and increasing the rationality and accuracy of pricing.