Quick insurance and claim settlement method based on block chain and insurance platform

Abstract

The invention relates to the technical field of block chains, in particular to a quick insurance and claim settlement method based on a block chain. The quick insurance and claim settlement method comprises the following steps: S1, signing an insurance contract; S2, carrying out transplanting; S3, performing accident report; S4, performing surveying and loss assessment; S5, publicizing compensation data; and S6, performing compensation. The invention also relates to an insurance platform for the quick insurance and claim settlement method based on a block chain. The insurance platform comprises a client, an information acquisition middle end and a server. The quick insurance and claim settlement method has the advantages that quick insurance and claim settlement can be realized for the tobacco planting user, and meanwhile, the frequency and the cost of going out to the scene for investigation by personnel are reduced.

Description

technical field [0001] The present invention relates to the technical field of block chain, in particular to a method and platform for fast insurance application and claim settlement based on block chain. Background technique [0002] Insurance is a guarantee mechanism, which specifically means that the policyholder pays the insurance premium to the insurer according to the contract, and the insurer is responsible for compensating the insurance money for the property losses caused by the possible accidents agreed in the contract, or the insured Commercial insurance that assumes the responsibility to pay insurance benefits when a person dies, is disabled, is sick, or reaches the age and time limit stipulated in the contract. [0003] There are many types of insurance, such as personal insurance, property insurance, fire insurance and agricultural insurance, etc. Among them, agricultural insurance mainly covers the losses caused by natural disasters or accidents of various cro...

AI Technical Summary

Problems solved by technology

[0004] Most of the existing insurance platforms are for personal insurance, auto insurance and property insurance, etc., which include a client and a server. The client is mainly used by users, and the server is used by insurance companies. The two are connected by communication and need to be insured When the user registers on the client and enters the insurance information, it will be sent to the server to generate the insurance application form, and then the server will feed back the application form to the user; when the claim is settled, the user will fill in the relevant claim information on the client terminal and send it to the server. The server that receives the claim information arranges specialists to go to the site for inspection within a certain period of time. After confirming that it meets the scope of insurance liability, the information is brought back and entered into the server. After layers of verification, the information is sent to the client for confirmation. After the completion, the user needs to provide a large amount of information to calculate the claim amount. It takes a long time until the claim is completed, and the efficiency is very low. It may lead to a poor user experience.

[0005] For some agricultural insurance, the above-mentioned insurance platform is not applicable. For example, in the planting of tobacco leaves, the quantity of tobacco leaves planted by each tobacco farmer is required. When applying for insurance, the insurance company cannot know the correct number of tobacco farmers. Therefore, In the process of applying for insurance, the insurance company cannot avoid overreporting or underreporting by tobacco farmers, and thus cannot give a reasonable amount of compensation when settling claims. For this reason, the present invention provides an insurance and claim settlement method and an insurance application platform to solve the above problems

Images