襄阳市商业健康保险智能核保服务

襄阳市商业健康保险智能核保应用应用场景说明：通过输出被投保人的健康状况，通常表现为高中低三个风险等级，帮助保险公司快速准确地判断客户健康状况，提高核保效率，减少后期因投保人健康问题导致的赔付纠纷。使用限制:保险公司需获得投保人授权允许后，向平台提供投保人的授权允许文件进行存证。数据情况：数据来源于襄阳市政务信息共享交换平台”内所沉淀的襄阳市卫健委医疗健康数据总条数为 1.3亿条。数据维度包括身份证号码、社保卡号、姓名、入院时间、出院时间、就诊时间、就诊类型、医院名称、就诊机构编码、医院疾病诊断编码、医院疾病诊断名称等。更新频率：每日更新。

Application Scenario Description of Intelligent Underwriting for Commercial Health Insurance in Xiangyang City: By outputting the health status of the insured, which is usually categorized into three risk levels: high, medium and low, this solution helps insurance companies quickly and accurately assess the customer's health condition, improve underwriting efficiency, and reduce subsequent compensation disputes caused by the insured's health issues.
Usage Restrictions: Insurance institutions shall obtain the written authorization of the policyholder, and submit the policyholder's authorization document to the platform for archival and record-keeping purposes.
Data Status: The data is sourced from the Xiangyang Municipal Government Information Sharing and Exchange Platform, with a total of 130 million accumulated medical and health data records from the Xiangyang Municipal Health Commission. The data dimensions include ID card number, social security card number, full name, admission time, discharge time, consultation time, consultation type, hospital name, medical institution code, hospital disease diagnosis code, hospital disease diagnosis name, etc.
Update Frequency: Updated daily.

搜集汇总

背景与挑战

背景概述

该数据集提供襄阳市1.3亿条医疗健康数据，包含就诊记录、诊断信息等核心维度，用于商业保险智能核保风险评估。数据每日更新，需投保人授权后使用，可有效提升核保效率并降低赔付纠纷风险。