INSURANCE ACTUARIAL SYSTEM AND METHOD BASED ON KEYWORD SEARCH

摘要

An insurance actuarial system and method based on keyword search. The method comprises: obtaining, from a telecom operator, access data of users using Internet services (S10); classifying the access data according to a preset age group division rule, and extracting access data corresponding to each age group (S11); obtaining, from the access data corresponding to each age group, keywords input to a search engine by users (S12); parsing the keywords input to the search engine by the users in each age group, so as to obtain disease keywords input to the search engine by the users in each age group (S13); calculating a disease incidence corresponding to the disease keywords input to the search engine by the users in each age group (S14); and calculating health insurance premiums of the users in each age group according to the disease incidence and a medical insurance actuarial algorithm (S15). By means of the method, the risk of medical insurance can be reduced and the profitability of an insurance company can be improved.