Core demands
With the increasing awareness of the whole people on insurance, the magnitude of insurance business is also growing. Due to the repeated epidemic situation, remote insurance and remote underwriting have gradually become normal. However, in the process of remote insurance, it is very easy to have illegal behaviors such as false insurance, illegal cash out, insurance fraud and compensation fraud, money laundering and transfer, which will cause economic losses to insurance companies and affect the rights and interests of consumers. At the same time, the insurance staff is required to manually enter the claim document information into the system and manually review the claim document for fraud, embezzlement, etc. The work is heavy and boring, with high repeatability, which consumes a lot of enterprise human costs, and it is difficult to identify forgeries. Therefore, how to achieve rapid handling of insurance and claims business and reduce the potential risk of business through intelligent means is the core appeal of many insurance companies.
Solution
1. Intelligent double recording: through multiple AI technologies such as ID card recognition, face recognition and voice recognition, key information of ID card, live detection and face information collection and verification are realized, and the willingness of the applicant and beneficiary is confirmed through interactive questions. The business process is as follows:
2. Intelligent insurance claim settlement: using OCR medical bill recognition technology, users can take/upload photos of medical invoices, expense lists and other documents, so that key information such as invoice number, medical insurance type, item, amount and so on can be input structurally. The business process is as follows:
Step 1: Upload claim related bills
Step 2: OCR structural identification
Step 3: Automatic adjustment
3. Claim anti fraud: apply the same image search technology to compare the claim vouchers uploaded by users with the information in the historical voucher library, enter the manual secondary verification process for the claim vouchers with high similarity, and verify whether the uploaded vouchers are compliant; Compliance vouchers will be synchronously stored into the historical voucher library to achieve continuous improvement of the voucher library.
