E-INSURANCE AND INVESTMENT FINDER

The development trend of insurance is e-commerce namely e-insurance. Most insurance companies in China design and run their own websites, some other independent websites also supply insurance mediation service. Despite so many websites of insurance, the public can’t pay much attention to them. The e-insurance can’t totally develop compared to other ecommerce. Reasons for such a phenomenon are technology and the scarce of regulation of e-insurance, which are primary obstacles during the progress of e-insurance. In this paper the author tries to find some legal solutions on the regulation of e-insurance. They include how to recognize e-contract and the legal validity of e-signature. The suggested work’s goal is to anticipate a person’s insurance costs and to identify patients with health insurance policies and medical information, regardless of whether or not they have any health problems. Several sorts of health insurance must be anticipated for a patient. It is possible to estimate an individual’s health insurance costs based on the level of emergency department treatment they receive depending on the type of health insurance they possess. Multi-Linear, Decision Tree, Random Forest, and Gradient Boosting Regression were some of the regression models employed in this study. After comparing the accuracies, it was determined that Gradient Boosting was the most accurate of all the methods, with an accuracy of 87 percent. Finally, using the best model, the Telegram-integrated chatbot is trained with instructions to communicate with the user and estimates the insurance premium.