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Group risk insurance method and device

A group idea and scheme technology, applied in the field of group insurance insurance, can solve problems such as poor flexibility and cumbersome insurance application process, and achieve the effect of improving flexibility and simplifying the insurance application process

Inactive Publication Date: 2018-01-09
慧择保险经纪有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, the flexibility of the insurance scheme in the prior art is poor, and the entire insurance process is relatively cumbersome

Method used

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  • Group risk insurance method and device
  • Group risk insurance method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0025] figure 2 This is a flowchart of a method for applying for group accident insurance provided by the first embodiment of the present invention. This embodiment can be applied to the situation where an insurance company is selected among multiple insurance companies to apply for group accident insurance. The device can be implemented by a device for insurance application. The device can be implemented by software and / or hardware, and can generally be integrated in a server. The method specifically includes the following steps:

[0026] Step 110: Receive the insurance combination conditions of the group accident insurance submitted by the user.

[0027] Among them, group accident insurance is group accident insurance, which is a form of personal accident insurance insured in a group way, and its insurance responsibilities and payment methods are the same as personal accident insurance. The insurance combination conditions preferably include insurance items, occupations, i...

Embodiment 2

[0047] Figure 5 This is a flowchart of a method for applying for group accident insurance provided by the second embodiment of the present invention. This embodiment is optimized on the basis of the above-mentioned embodiment, and further includes the process of online security. The method specifically includes the following steps:

[0048] Step 210: Receive the insurance combination conditions of the group accident insurance submitted by the user.

[0049] Step 220: Match the group plan information of the insurance company and calculate the corresponding premium according to the insurance combination conditions.

[0050] Step 230: Display the matched group plan information of the insurance company and the corresponding premium, and display the corresponding insurance button.

[0051] Step 240: After receiving the insurance application request of the user through the insurance application button, determine whether the insurance application request complies with the underwrit...

Embodiment 3

[0066] Image 6 It is a schematic structural diagram of a device for insuring group accident insurance provided by the third embodiment of the present invention, such as Image 6 As shown in the figure, the apparatus for applying for group accident insurance in this embodiment includes: an insurance condition receiving module 310, a group intention scheme matching module 320, a group intention scheme display module 330, a first risk control module 340 and a first electronic policy generation module 350.

[0067] The insurance application condition receiving module 310 is used to receive the insurance combination conditions of the group accident insurance submitted by the user;

[0068] a group plan matching module 320, configured to match the group plan information of the insurance company and calculate the corresponding premium according to the insurance combination conditions;

[0069] The group plan display module 330 is used to display the matched group plan information ...

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Abstract

The invention discloses a group risk insurance method and device. The method comprises the steps that a group risk insurance combination condition submitted by a user is received; according to the insurance combination condition, the group risk scheme information of an insurance company is matched, and the corresponding premium is calculated; the matched group risk scheme information of the insurance company and the corresponding premium are displayed, and the corresponding insurance button is displayed; after the insurance request of the user is received through the insurance button, whetherthe insurance request meets underwriting rules is determined; and if the insurance request meets underwriting rules, a first order is generated for the user to pay, and after the payment of the firstorder is completed, a first electronic insurance policy is generated by calling the corresponding issuing interface of the insurance company. According to the invention, the method and device can automatically match and display the group risk scheme information of a number of companies for the user simultaneously; the user is prevented from frequently switching a number of insurance companies forcomparison; the insurance process is simplified; and the insurance flexibility is improved.

Description

technical field [0001] Embodiments of the present invention relate to insurance application technology, and in particular, to a method and device for group accident insurance application. Background technique [0002] At present, all group accident insurance can only be inquired and insured for a single insurance company and insurance project, such as figure 1 shown. There are few insurance protection items and occupational options, and the occupational information of various insurance companies is not unified, making it difficult for users to choose occupations when they apply for insurance. When users apply for insurance, they generally compare the group plans of multiple insurance companies, which requires frequent switching between the systems of various insurance companies. Therefore, the insurance application scheme in the prior art is less flexible, and the whole insurance application process is cumbersome. SUMMARY OF THE INVENTION [0003] In view of this, embod...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08
Inventor 马志良
Owner 慧择保险经纪有限公司
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