Precise pricing method and device for health insurance

The invention discloses an accurate pricing method and device for health insurance. The method comprises the following steps: S1, obtaining feature information related to medical expenses of cerebral hemorrhage diseases of a patient and a risk category of an insurance applicant; s2, obtaining an optimal medical cost prediction model of different risk categories according to the feature information and the risk categories; s3, constructing a health insurance accurate pricing model according to the optimal medical expense prediction model of different risk categories; and S4, inputting the predicted value of the future medical expense of the insurance applicant into the health insurance accurate pricing model, and carrying out personal accurate insurance premium calculation. By adopting the technical scheme of the invention, precise insurance premium adaptive to the risk degrees of the insurance applicants with different risk degrees is formulated for the insurance applicants with different risk degrees, the pr