Research Of Major Disease Insurance Product Innovation Based On User Behavior Patterns

In the 1990 s,the American Progressive launched the first based on the driving behavior of the product(UBI)automobile insurance,automobile insurance is car insurance products from "car" pricing pricing important step towards by "people",after nearly 30 years of development,UBI juxian increasingly mature,but in the life insurance market,there have been no mature design based on user behavior patterns of life insurance products.Rapid development and popularization of mobile Internet and Internet of things make big data technology to be used in People's Daily lives,and application of big data to insurance product design can change the traditional insurance products on the basis of past data of history,based on the serious illness insurance innovation research based on the pattern of user behavior for perfecting our country's serious illness insurance product structure,optimizing heavy disease risk pricing mechanism,have very strong exploring significance.Research firstly combed the related literature at home and abroad,the comprehensive evaluation of existing insurance product design based on user behavior patterns related theory review and evaluation,introduces related theory,risk pricing inquiry based on user behavior model for automobile insurance based on user behavior patterns of heavy disease risk transmission mechanism.Then from the insurance product development based on user behavior patterns at home and abroad,based on the analysis of existing cases based on user behavior model of insurance products on the market,on the basis of using the risk pricing theory and big data technology,design a novel based on user behavior patterns,use of cloud computing,big data,Internet of mobile Internet and other high and new technology to make major disease insurance and union of photograph of huawei's intelligent bracelet products,with major disease insurance services,and discusses the technology of using current can let heavy disease risk project based on user behavior patterns have the realizability.Based on the analysis of the current situation of China's heavy diseases insurance market,a targeted marketing strategy design,product profit strategy design and underwriting profit forecast are carried out.The insurance products can be according to the insured exercise proper reduction premium(up 30%)a year,practice the body weak body difference charge,supervise and urge the insured more healthy regular life habit,let the insured body more health,reduce the compensation cost.Research to further enrich our country big data and insurance products,combining theoretical guidance and reference significance,as well as domestic insurance companies,further exploration based on user behavior patterns of heavy disease insurance product innovation mode,deepening the reform of serious illness insurance market provides theoretical support and practical basis.But many factors affecting the incidence of major disease,research has failed to do overall consideration,only involves several more main factors,so the premium pricing must be combined with business experience gradually improve;At the same time,the sensitive privacy issues of user data monitoring design,how to ensure the user data is not abused,the corresponding measures should be formulated at the regulatory level.