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Mutual-help type insurance method and mutual-help type insurance system

A mutual aid and insurance fund technology, applied in the field of mutual aid insurance, can solve the problems of members' financial pressure, unregulated membership qualifications, and inability to effectively allocate funds, etc., and achieve the effect of eliminating deficiencies

Inactive Publication Date: 2018-01-05
马梅铨
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] 3) The qualifications of the deceased members are not standardized, and there are often abuses, and there are often cases of false participation and real mutual aid
[0008] 5) A fixed amount of mutual aid funds cannot effectively allocate funds, which may easily cause financial pressure on members of the membership portfolio

Method used

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  • Mutual-help type insurance method and mutual-help type insurance system
  • Mutual-help type insurance method and mutual-help type insurance system
  • Mutual-help type insurance method and mutual-help type insurance system

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Embodiment Construction

[0053] In order to fully understand the purpose, features and effects of the present invention, the present invention will be described in detail by the following specific embodiments and accompanying drawings, as follows:

[0054] Please refer to figure 1 , is a flow chart of the mutual insurance method in the first embodiment of the present invention. exist figure 1 Among them, the mutual insurance method can allow multiple members to carry out insurance mutual assistance in a mutual insurance group. The qualifications of each member can be valid members, invalid members and members in danger.

[0055] The steps of the mutual insurance method start at step S11, receiving mutual insurance data of each member. Mutual insurance data can be in the form of paper or electronic files. Among them, the insurance mutual aid data at least includes payment records and member personal information. The payment record can be the payment history of each period of the member, etc. Each...

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Abstract

The invention provides a mutual-help type insurance method, which is used for insurance mutual assitance for multiple members in a mutual-help insurance group, each member in terms of membership beingat least one from a valid member, an invalid member and an insured member. The method includes the following steps: (a) receiving insurance mutual-help data of the members; (b) determining membershipof the members by self insurance mutual-help materials; (c) removing invalid members out of a mutual-help insurance group; (d) judging risk claims made by valid members; (e) verifying whether the risk claims are true or fake; (f) calculating risk money of the insured members; and (g) calculating premiums on the basis of the total number of valid members in the mutual-help insurance group. In addition, the invention also provides a mutual-help type insurance system.

Description

【Technical field】 [0001] The invention relates to the technical field of mutual insurance, in particular to a mutual insurance method and a mutual insurance system for multiple members in a mutual insurance group to provide mutual insurance. 【Background technique】 [0002] The traditional mutual aid association started in 1989, and the initial response was good; but later, due to insufficient income, the funding chain was broken. The business model of traditional mutual aid associations is through members selecting a membership combination. In the membership combination, if a member passes away, the remaining members will each pay a fixed amount of mutual aid funds to pay for the deceased member. Through membership combinations, the effect of mutual assistance can be achieved. In the process of mutual aid, it is actually a type of insurance that pays for itself. [0003] However, there are some deficiencies in traditional mutual aid, such as: [0004] 1) In the process of...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
Inventor 马梅铨
Owner 马梅铨
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