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WO2018149194A1 - Procédé, système et dispositif pour extraire une assurance de groupe, et support d'informations lisible par ordinateur - Google Patents

Procédé, système et dispositif pour extraire une assurance de groupe, et support d'informations lisible par ordinateur Download PDF

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Publication number
WO2018149194A1
WO2018149194A1 PCT/CN2017/112181 CN2017112181W WO2018149194A1 WO 2018149194 A1 WO2018149194 A1 WO 2018149194A1 CN 2017112181 W CN2017112181 W CN 2017112181W WO 2018149194 A1 WO2018149194 A1 WO 2018149194A1
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WO
WIPO (PCT)
Prior art keywords
insurance
group
insured
plan
product
Prior art date
Application number
PCT/CN2017/112181
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English (en)
Chinese (zh)
Inventor
陈彬
李平梅
张新宇
王威
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2018149194A1 publication Critical patent/WO2018149194A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of Internet technologies, and in particular, to a group insurance application method, system, device, and computer readable storage medium.
  • Group insurance is a group insurance object. It is insured in the collective name and a general insurance contract is issued by the insurer. The insurer provides insurance to the members of the group according to the contract. The members of the group are the insured. .
  • Group customer HR Human Resource, human resources
  • the insurance company salesperson sets the level to which the insured belongs according to the information of the insured's position, etc., and the insured can only purchase the insurance plan corresponding to the level of the insured.
  • the insurance scheme corresponding to each level is fixed and cannot be modified. If the insurance scheme of the insured person's level cannot meet the requirements of the insured, for example, the insurance product's insurance amount is too low, and the insurance type is too small. In other cases, the insured person needs to purchase additional insurance products from the insurance company separately, and the operation process is complicated and affects the user experience.
  • the main purpose of the present application is to provide a method, system, device and computer readable storage medium for group insurance, aiming at solving the technical problem that the insurance scheme cannot be flexibly configured when the group insurance is insured.
  • the present application provides a group insurance application method, and the group insurance application method includes the following steps:
  • the insured persons corresponding to the respective types of customized insurance plans are counted according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers for insurance.
  • the present application further provides a group insurance application system, and the group insurance application system includes:
  • a configuration module configured to configure a corresponding alternative insurance plan group when the insured person of the group client is detected to log in;
  • a customization module configured to obtain an insurance product selected by the insured based on the candidate insurance plan group, and obtain a customized insurance plan of the insured person;
  • a classification module for classifying the customized insurance schemes of all the insured persons of the group client, classifying the same customized insurance scheme into one category, and obtaining a customized insurance scheme for each category;
  • the insurance application module is configured to count the insured persons corresponding to the respective types of customized insurance plans, and insure according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers.
  • the present application further provides a group insurance application device, including: a memory, a processor, and a group insurance insured on the memory and operable on the processor a program, the processor is configured to execute the group insurance application procedure to implement the following steps:
  • the insured persons corresponding to the respective types of customized insurance plans are counted according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers for insurance.
  • the present application further provides a computer readable storage medium, where the group readable storage program is stored, and the group insurance application program is executed by the processor to implement the following steps:
  • the insured persons corresponding to the respective types of customized insurance plans are counted according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers for insurance.
  • the group insurance application method, the system device and the computer readable storage medium proposed by the embodiment of the present application configure the corresponding alternative insurance plan group to enable the insured person to participate when detecting the insured person registration of the group customer
  • select the insurance plan according to your own wishes then, obtain the insurance products selected by the insured based on the alternative insurance plan group, and combine to obtain the insured's customized insurance plan; then, the current group customers are all
  • the insured's custom insurance plan is classified, and the same custom insurance plan is divided into one category, and each type of custom insurance plan is obtained, which is used to organize the customized insurance plan of each insured person of the group customer.
  • the insured person corresponding to each category of custom insurance plan is insured according to each category of custom insurance plan and the corresponding insured person to generate the group insurance policy of the current group customer.
  • the present application provides a more flexible and personalized group insurance insurance method. Based on the benefits provided by group customers, the insured can independently select insurance products and match insurance plans according to the alternative insurance plan group, so as not to leave the group insurance. Under the conditions, the self-definition of the insurance plan of the insured persons of the group customers is realized, which not only satisfies the individualized needs of the insured, but also ensures that the group customers can insure the group insurance for each insured person and solve the insurance for group insurance.
  • the technical problem that the solution cannot be flexibly configured.
  • FIG. 1 is a schematic flow chart of a first embodiment of a group insurance application method according to the present application.
  • FIG. 2 is a schematic diagram showing the refinement process of the step of configuring the corresponding alternative insurance plan group when the insured person of the group client is detected in FIG. 1;
  • FIG. 3 is a schematic diagram showing the refinement process of obtaining the insurance product selected by the insured based on the alternative insurance plan group in FIG. 1 and combining the obtained insurance plan of the insured person;
  • FIG. 4 is a schematic diagram of functional modules of a first embodiment of a group insurance application system
  • FIG. 5 is a schematic structural diagram of a terminal in a hardware operating environment according to an embodiment of the present application.
  • a first embodiment of a group insurance application method provides a group insurance application method, and the group insurance application method includes:
  • step S10 when the insured person of the group client is detected to log in, the corresponding alternative insurance plan group is configured.
  • the insured person of the group insurance customer can customize the insurance plan according to the demand, thereby improving the flexibility of the group insurance.
  • the group insurance insurance system configures the corresponding insurance plan group for the insured person, so that the insured person can select the insurance plan.
  • the group customer may be a company, a company, etc.
  • the insured person of the group customer is usually a member of the group, such as an employee, and a relative of the employee.
  • the group of alternative insurance plans configured by the group insurance application system for the insured person may be configured in advance for each insured person.
  • the alternative insurance plan group includes insurance products of one or more types of insurance.
  • the insurance products of each type of insurance can correspond to one or more insurance credits.
  • the terms of each insurance product can be flexibly configured according to the actual situation of each insurance type.
  • the same type of insurance plan can be configured for the insured person of the group customer in advance, or different types of insurance plan groups can be configured for the insured person of the group customer according to the needs of each customer.
  • the step S10 includes:
  • Step S11 When detecting that the insured person logs in, obtain the employee category of the insured person;
  • Step S12 Configure a corresponding alternative insurance plan group according to the employee category of the insured.
  • group customers When group customers purchase group insurance, they may need to provide different insurance benefits for different employees according to their positions, levels, etc., and the group insurance application system needs to configure corresponding insurance plans for different types of insured persons. Group to meet the grading needs of group customers.
  • the group customer or the salesperson of the insurance company pre-configures the category information of each insured person of the group customer, and can configure the categories of the insured persons according to factors such as position, working time, salary, and the like, such as general workers, managers, and the like. Meet the needs of group customers to provide benefits to the insured.
  • the group customer or the salesperson of the insurance company pre-configures the alternative insurance plan group corresponding to each employee category of the group customer, and the alternative insurance plan group of different employee types may have different insurance products or insurance of the same insurance product. The amount is different and so on.
  • the group insurance application system obtains the employee category of the insured according to the insured person's category information.
  • the corresponding alternative insurance plan group is obtained and configured to the user interface for the insured to select.
  • the alternative insurance plan group includes: a basic insurance plan group and a value added insurance plan group.
  • the basic insurance plan group is a group customer's welfare for the insured person, and may be a combination of various basic insurance products, such as life insurance, accident insurance, etc., and the group customer pays the insurance fee.
  • group customers can provide different benefits for different types of insured persons. For example, different types of insured persons may have different types of insurance products in the basic insurance plan group, and the insurance coverage of the same type of insurance products may be different. May be different.
  • the value-added insurance scheme group is configured for the basic insurance scheme group, so that the insured person selects value-added services based on the basic insurance scheme group.
  • the insured person can select one or more types of value-added insurance products in the value-added insurance scheme group according to actual needs.
  • the value-added insurance product may be an upgrade relative to the basic insurance product insurance amount, and/or an additional insurance product relative to the basic insurance program group.
  • the value-added insurance products in the value-added insurance scheme group need to be paid by the insured person for the value-added portion.
  • the insurance premium for the insurance A in the value-added insurance scheme group is 1,000 yuan per year, and the premium for insurance A in the basic insurance scheme group is 600 yuan per year. If the insured chooses insurance A in the value-added insurance scheme group, the actual cost of insurance A is 1,000 yuan per year, and the insurance provided by the group customer for the insured person is 600 yuan per year, and the premiums for both. The difference of 400 yuan per year is the value-added fee that the insured needs to pay.
  • Insurance B in the value-added insurance scheme group has an annual premium of 1,000 yuan, but the basic insurance scheme family does not provide insurance B, that is, the group customer does not provide the insured with the benefits of insurance B. If the insured chooses insurance B in the value-added insurance scheme group, the premium of insurance B in the value-added insurance scheme group is 1000 yuan per year, which is the value-added fee that the insured needs to pay.
  • the embodiment can also configure different basic insurance plan groups and value-added insurance plan groups for different types of employees based on the needs of the group customers, and meet the employee grading requirements of the group customers.
  • Step S20 Acquire an insurance product selected by the insured based on the candidate insurance plan group, and obtain a customized insurance plan of the insured person in combination.
  • the insured can select the insurance product in the alternative insurance plan group according to actual needs. After completing the selection, the insured enters a confirmation order.
  • the group insurance insurance system After receiving the confirmation order entered by the insured, the group insurance insurance system obtains the insurance products selected by the insured and uses the insurance product portfolio selected by the insured as the insured's customized insurance plan.
  • the step S20 includes:
  • Step S21 Acquire a selected value-added insurance product upon receiving a value-added insurance selection instruction input based on the value-added insurance plan group;
  • Step S22 De-weighting the insurance products of the same insurance type according to the insurance types of the basic insurance products in the basic insurance plan group and the selected types of insurance products of the value-added insurance products, and obtaining the de-emphasized insurance products;
  • Step S23 Combine the de-weighted insurance products to obtain a customized insurance plan of the insured.
  • the configuration of the basic insurance scheme group and the value-added insurance scheme group makes the alternative insurance products in the alternative insurance scheme group more diversified, and meets the various value-added service needs of the insured on the basis of the benefits provided by the group customers, so that The group insurance program is more flexible and greatly enhances the user experience.
  • the alternative insurance plan includes the basic insurance plan group and the value-added insurance plan group, the insurance products selected by the user need to be de-duplicated.
  • the candidate may refer to the basic insurance products in the basic insurance scheme group according to his own needs, and may add value-added insurance products selected from the value-added insurance products in the value-added insurance scheme group. Insurance selection instruction.
  • the insured can choose the value-added insurance scheme.
  • Insurance A in the group enter the value-added insurance selection instruction; if the insured wants to insure the insurance B in the value-added insurance scheme group, but the insurance insurance group does not have insurance B, the insured can choose the insurance in the value-added insurance scheme group.
  • B. Enter the value-added insurance selection instruction.
  • the group insurance insurance system When receiving the value-added insurance selection instruction, the group insurance insurance system obtains the value-added insurance products selected by the insured according to the value-added insurance selection instruction. It should be noted that the value-added insurance products selected by the insured may have one or more.
  • the group insurance insurance system de-emphasizes the insurance products.
  • the group insurance insurance system obtains the insurance types of the basic insurance products in the basic insurance scheme group and the insurance types of the value-added insurance products selected by the insured.
  • the basic insurance product is removed, and only the value-added insurance product is retained to avoid repeated insurance; if the basic insurance scheme group does not This value-added insurance product is retained if there is a basic insurance product that is the same as the value-added insurance product insurance selected by the insured.
  • the insured person selects the value-added insurance product with the insurance type C in the value-added insurance scheme group, but the basic insurance scheme group also includes the basic insurance product with the insurance type C, then the group insurance insurance system removes the insurance in the basic insurance scheme group.
  • the basic insurance products of C only the value-added insurance products with the insurance type C are retained; if the insured chooses the value-added insurance products with the insurance type D in the value-added insurance scheme group, the basic insurance scheme group does not include the basic insurance with the insurance type D.
  • the group insurance insurance system retains the value-added insurance product of the D type.
  • De-emphasized insurance products include basic insurance products and value-added insurance products, or only value-added insurance products.
  • the group insurance insurance system combines the de-emphasized insurance products as a custom insurance plan selected by the insured.
  • group insurance application method further includes:
  • the insured person's customized insurance plan is configured according to the basic insurance plan group.
  • the group insurance insurance system can pre-configure the time interval of self-selection.
  • the insured person can log in to the group insurance insurance system and select insurance products according to the alternative insurance plan group.
  • the insured person does not select the insurance product after logging in to the group insurance insurance system, or the insured person fails to save after selecting the insurance product, it is determined that the insured has not selected the insurance product.
  • the group insurance insurance system scans whether the insured persons of the group customers successfully select the insurance products. If the insured does not select the insurance products, it determines that the basic insurance products in the basic insurance plan group are insured for this purpose. The insurance products selected by the person will be the basic insurance product portfolio as the customized insurance plan for this insured.
  • the insurance plan is automatically configured for the insured to avoid the insured person’s lack of insurance awareness, the insurance product is not selected, or the insurance cannot be taken in case of forgetting the selection.
  • the insured persons of the group customer can enjoy the benefits provided by the group customers.
  • each insured person of the group customer has a customized insurance plan.
  • step S30 the custom insurance plan of all the insured persons of the group client is classified, and the same customized insurance plan is divided into one class to obtain a customized insurance plan of each category.
  • the group insurance insurance system collects the customized insurance plan for all the insured persons of the group customer, and classifies the customized insurance plan. deal with.
  • the group insurance insurance system divides the same custom insurance plan into one category.
  • the insurance product combination is the same, and the insurance product insurance amount of the same insurance type is the same. Since the group insurance customer has multiple insured persons, there may be multiple insured persons who choose the same insurance product, the custom insurance plan is the same; or the insured person with the same employee category has not selected the insurance product, group insurance The insurance system has configured the same custom insurance plan for the multiple insured persons based on the employee category.
  • the group insurance insurance system After classifying the same custom insurance scheme into one category, the group insurance insurance system counts each category of custom insurance schemes. For ease of management, you can also configure a corresponding level number for each category of custom insurance plans. The specific level number configuration rules can be formulated according to actual needs.
  • Step S40 Counting the insured persons corresponding to the respective types of customized insurance plans, and insuring according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers.
  • the group insurance insurance system After obtaining various types of custom insurance plans, the group insurance insurance system counts the policyholders corresponding to each category of custom insurance plans according to the customized insurance plan of each insured person in the group customer. There may be one or more policyholders for each category of custom insurance plans.
  • the group insurance insurance system receives various types of custom insurance plans and insured persons corresponding to each category of custom insurance plans.
  • the group insurance insurance system generates the group insurance policy of the current group customer according to the custom insurance plan of each category and the insured corresponding to each category of the customized insurance plan, and insures the group insurance.
  • each category of custom insurance scheme can be understood as insurance schemes at each level
  • the insured person corresponding to each category of custom insurance scheme can be understood as the insured person at each level.
  • the insured person selects the insurance product independently, configures the customized insurance plan, and then configures the level according to the customized insurance plan, and finally insures according to the insurance plan of each level and the insured life insurance policy of each level.
  • the hierarchical level is configured according to the insurance scheme, that is, the insurance schemes of the respective levels are independently configured by the insured, can meet the needs of each insured, and finally are uniformly insured in the form of group orders. Increased the flexibility of group insurance.
  • the group insurance insurance system scans whether the insured persons of the group customers have successfully selected the insurance products before classifying and counting the insurance policies of all the insured persons of the group customers.
  • the group insurance insurance system may use the insured employee according to the employee category of the insured person.
  • the basic insurance plan group corresponding to the category is used as the sub-insurance's custom insurance plan, which is used to classify the insurance plan of all the insured persons of the group customers.
  • the group insurance insurance system can also mark the insured person for the staff to return to the insured, and the insured person is configured with a custom insurance plan.
  • the insured can be insured to protect the interests of the insured.
  • the corresponding alternative insurance plan group when the insured person of the group client is detected to log in, the corresponding alternative insurance plan group is configured, so that the insured person participates in the configuration of the insurance plan, and selects the insurance plan according to his or her own will; Obtain the insurance products selected by the insured based on the alternative insurance plan group, and combine to obtain the insured's customized insurance plan; then, classify the custom insurance plan of all the insured's current insured persons, and put the same custom insurance
  • the scheme is divided into one category, and various types of custom insurance schemes are obtained to organize the customized insurance schemes of the group insured persons to facilitate the insurance of group insurance; then, the corresponding insurance schemes of each category are counted.
  • the insured person is insured according to each category of custom insurance plan and the corresponding insured person to generate the group insurance policy of the current group customer.
  • the embodiment provides a more flexible and personalized group insurance insurance method. Based on the benefits provided by the group customer, the insured person can independently select the insurance product and the insurance plan according to the alternative insurance plan group, thereby not leaving the group insurance. Under the conditions of the group, the self-definition of the insurance plan of the insured persons of the group customers is realized, which not only satisfies the individualized needs of the insured, but also ensures that the group customers uniformly insured the group insurance for each insured person, and solves the group insurance insured.
  • the technical solution that the insurance plan cannot be flexibly configured.
  • a first embodiment of the group insurance application system provides a group insurance application system, and the group insurance application system includes:
  • the configuration module 10 is configured to configure a corresponding alternative insurance plan group when detecting the insured person registration of the group client.
  • the insured person of the group insurance customer can customize the insurance plan according to the demand, thereby improving the flexibility of the group insurance.
  • the configuration module 10 configures the corresponding insurance plan group for the insured person, so that the insured person selects the insurance plan.
  • the group customer may be a company, a company, etc.
  • the insured person of the group customer is usually a member of the group, such as an employee, and a relative of the employee.
  • the alternative insurance plan group configured by the configuration module 10 for the insured may be configured in advance for each insured person.
  • the alternative insurance plan group includes insurance products of one or more types of insurance.
  • the insurance products of each type of insurance can correspond to one or more insurance credits.
  • the terms of each insurance product can be flexibly configured according to the actual situation of each insurance type.
  • the same type of insurance plan can be configured for the insured person of the group customer in advance, or different types of insurance plan groups can be configured for the insured person of the group customer according to the needs of each customer.
  • configuration module 10 is further configured to:
  • the employee category of the insured person is obtained; and the corresponding alternative insurance plan group is configured according to the employee category of the insured person.
  • a group customer When a group customer purchases a group insurance, it may need to provide different insurance benefits for different employees according to the employee's position, level, etc., and the configuration module 10 needs to configure a corresponding insurance plan group for different types of insured persons. To meet the grading needs of group customers.
  • the group customer or the salesperson of the insurance company pre-configures the category information of each insured person of the group customer, and can configure the categories of the insured persons according to factors such as position, working time, salary, and the like, such as general workers, managers, and the like. Meet the needs of group customers to provide benefits to the insured.
  • the group customer or the salesperson of the insurance company pre-configures the alternative insurance plan group corresponding to each employee category of the group customer, and the alternative insurance plan group of different employee types may have different insurance products or insurance of the same insurance product. The amount is different and so on.
  • the configuration module 10 acquires the employee category of the insured according to the insured person's category information.
  • the corresponding alternative insurance plan group is obtained and configured to the user interface for the insured to select.
  • the alternative insurance plan group includes: a basic insurance plan group and a value added insurance plan group.
  • the basic insurance plan group is a group customer's welfare for the insured person, and may be a combination of various basic insurance products, such as life insurance, accident insurance, etc., and the group customer pays the insurance fee.
  • group customers can provide different benefits for different types of insured persons. For example, different types of insured persons may have different types of insurance products in the basic insurance plan group, and the insurance coverage of the same type of insurance products may be different. May be different.
  • the value-added insurance scheme group is configured for the basic insurance scheme group, so that the insured person selects value-added services based on the basic insurance scheme group.
  • the insured person can select one or more types of value-added insurance products in the value-added insurance scheme group according to actual needs.
  • the value-added insurance product may be an upgrade relative to the basic insurance product insurance amount, and/or an additional insurance product relative to the basic insurance program group.
  • the value-added insurance products in the value-added insurance scheme group need to be paid by the insured person for the value-added portion.
  • the insurance premium for the insurance A in the value-added insurance scheme group is 1,000 yuan per year, and the premium for insurance A in the basic insurance scheme group is 600 yuan per year. If the insured chooses insurance A in the value-added insurance scheme group, the actual cost of insurance A is 1,000 yuan per year, and the insurance provided by the group customer for the insured person is 600 yuan per year, and the premiums for both. The difference of 400 yuan per year is the value-added fee that the insured needs to pay.
  • Insurance B in the value-added insurance scheme group has an annual premium of 1,000 yuan, but the basic insurance scheme family does not provide insurance B, that is, the group customer does not provide the insured with the benefits of insurance B. If the insured chooses insurance B in the value-added insurance scheme group, the premium of insurance B in the value-added insurance scheme group is 1000 yuan per year, which is the value-added fee that the insured needs to pay.
  • the embodiment can also configure different basic insurance plan groups and value-added insurance plan groups for different types of employees based on the needs of the group customers, and meet the employee grading requirements of the group customers.
  • the customization module 20 is configured to obtain the insurance product selected by the insured based on the candidate insurance plan group, and combine to obtain the insured person's customized insurance plan.
  • the insured can select the insurance product in the alternative insurance plan group according to actual needs. After completing the selection, the insured enters a confirmation order.
  • the customization module 20 After receiving the confirmation instruction input by the insured, the customization module 20 obtains the insurance product selected by the insured, and uses the insurance product combination selected by the insured as the insured's customized insurance plan.
  • customization module 20 is further configured to:
  • the configuration of the basic insurance scheme group and the value-added insurance scheme group makes the alternative insurance products in the alternative insurance scheme group more diversified, and meets the various value-added service needs of the insured on the basis of the benefits provided by the group customers, so that The group insurance program is more flexible and greatly enhances the user experience.
  • the customization module 20 needs to perform deduplication processing on the insurance product selected by the user.
  • the candidate may refer to the basic insurance products in the basic insurance scheme group according to his own needs, and may add value-added insurance products selected from the value-added insurance products in the value-added insurance scheme group. Insurance selection instruction.
  • the insured can choose the value-added insurance scheme.
  • Insurance A in the group enter the value-added insurance selection instruction; if the insured wants to insure the insurance B in the value-added insurance scheme group, but the insurance insurance group does not have insurance B, the insured can choose the insurance in the value-added insurance scheme group.
  • B. Enter the value-added insurance selection instruction.
  • the customization module 20 When receiving the value-added insurance selection instruction, the customization module 20 obtains the value-added insurance product selected by the insured according to the value-added insurance selection instruction. It should be noted that the value-added insurance products selected by the insured may have one or more.
  • the customization module 20 performs deduplication processing on the insurance product.
  • the customization module 20 obtains the insurance types of the basic insurance products in the basic insurance scheme group, and the insurance types of the value-added insurance products selected by the insured.
  • the customization module 20 removes the basic insurance product and only retains the value-added insurance product to avoid repeated insurance; if the basic insurance plan In the group, if there is no basic insurance product that is the same as the value-added insurance product insurance selected by the insured, the custom module 20 retains the value-added insurance product.
  • the customization module 20 removes the insurance in the basic insurance scheme group.
  • the basic insurance products of C only the value-added insurance products with the insurance type C are retained; if the insured chooses the value-added insurance products with the insurance type D in the value-added insurance scheme group, the basic insurance scheme group does not include the basic insurance with the insurance type D.
  • the custom module 20 retains the value-added insurance product of the D type.
  • De-emphasized insurance products include basic insurance products and value-added insurance products, or only value-added insurance products.
  • the customization module 20 combines the de-emphasized insurance products as a custom insurance plan selected by the insured.
  • customization module 20 is further configured to:
  • the insured person's customized insurance plan is configured according to the basic insurance plan group.
  • the custom module 20 can pre-configure the self-selection time interval.
  • the insured person can log in to the group insurance insurance system and select insurance products according to the alternative insurance plan group.
  • the customization module 20 determines that the insured does not select the insurance product.
  • the customization module 20 scans whether each insured person of the group customer successfully selects the insurance product. If an insured person does not select the insurance product, the customization module 20 determines each basic insurance product in the basic insurance plan group. For this insurance product selected by the insured, each basic insurance product combination is used as the insured's custom insurance plan.
  • the customization module 20 automatically configures the insurance plan for the insured to prevent the insured from lacking insurance awareness, does not select the insurance product, or cannot participate in the case of forgetting to select.
  • the insurance of the group insurance guarantees that every insured person of the group customer can enjoy the benefits provided by the group customer.
  • each insured person of the group customer has a customized insurance plan.
  • the classification module 30 is configured to classify the customized insurance schemes of all the insured persons of the group client, and classify the same customized insurance scheme into one category to obtain a customized insurance scheme of each category.
  • the classification module 30 collects the customized insurance plan of all the insured persons of the group customer, and classifies the customized insurance plan. .
  • the classification module 30 divides the same custom insurance scheme into one category.
  • the insurance product combination is the same, and the insurance product insurance amount of the same insurance type is the same. Since the group insurance customer has multiple insured persons, there may be multiple insured persons who choose the same insurance product, the custom insurance plan is the same; or the insured person with the same employee category has not selected the insurance product, group insurance The insurance system has configured the same custom insurance plan for the multiple insured persons based on the employee category.
  • the classification module 30 After classifying the same custom insurance scheme into one category, the classification module 30 counts the custom insurance schemes for each category. For ease of management, you can also configure a corresponding level number for each category of custom insurance plans. The specific level number configuration rules can be formulated according to actual needs.
  • the insurance application module 40 is configured to count the insured persons corresponding to the respective types of customized insurance plans, and insure according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers.
  • the insurance module 40 After obtaining the customized insurance plan of each category, the insurance module 40 counts the policy applicant corresponding to each category of the customized insurance plan according to the customized insurance plan of each insured person in the group customer. There may be one or more policyholders for each category of custom insurance plans.
  • the insurance module 40 obtains the custom insurance plan of each category and the insured corresponding to each category of the customized insurance plan.
  • the insurance module 40 generates a group insurance policy of the current group customer according to the custom insurance plan of each category and the insured corresponding to each category of the customized insurance plan, and insures the group insurance.
  • each category of custom insurance scheme can be understood as insurance schemes at each level
  • the insured person corresponding to each category of custom insurance scheme can be understood as the insured person at each level.
  • the insured person selects the insurance product independently, configures the customized insurance plan, and then configures the level according to the customized insurance plan, and finally insures according to the insurance plan of each level and the insured life insurance policy of each level.
  • the hierarchical level is configured according to the insurance scheme, that is, the insurance schemes of the respective levels are independently configured by the insured, can meet the needs of each insured, and finally are uniformly insured in the form of group orders. Increased the flexibility of group insurance.
  • the customization module 20 scans whether the insured persons of the group customer have successfully selected the insurance product.
  • the customization module 20 may, according to the employee category of the insured, make the insured employee
  • the basic insurance plan group corresponding to the category is used as the sub-insurance's custom insurance plan, which is used to classify the insurance plan of all the insured persons of the group customers.
  • the customization module 20 can also mark the insured person for the staff to return to the insured person, and the insured person configures a custom insurance plan.
  • the insured can be insured to protect the interests of the insured.
  • the configuration module 10 configures the corresponding alternative insurance plan group, so that the insured person participates in the configuration of the insurance plan, and selects the insurance plan according to his or her own will. Then, the customization module 20 obtains the insurance product selected by the insured based on the alternative insurance plan group, and combines to obtain the insured's customized insurance plan; then, the classification module 30 customizes the insurance for all the current insured persons of the group customer.
  • the scheme is classified into the following categories, and the same custom insurance schemes are divided into one category, and various types of custom insurance schemes are obtained to organize the customized insurance schemes of the group insured persons to facilitate the insurance of the group insurance;
  • the insured insurance module 40 counts the insured persons corresponding to each category of the customized insurance plan, and insures according to each category of the customized insurance plan and the corresponding insured person to generate the group insurance policy of the current group customer.
  • the embodiment provides a more flexible and personalized group insurance application system. Based on the benefits provided by the group customer, the insured can independently select the insurance product and the insurance plan according to the alternative insurance plan group, thereby not leaving the group insurance.
  • the self-definition of the insurance plan of the insured persons of the group customers is realized, which not only satisfies the individualized needs of the insured, but also ensures that the group customers uniformly insured the group insurance for each insured person, and solves the group insurance insured.
  • the technical solution that the insurance plan cannot be flexibly configured.
  • FIG. 5 is a schematic structural diagram of a terminal in a hardware operating environment according to an embodiment of the present application.
  • the group insurance application device in the embodiment of the present application may be a PC, a server, or a terminal device such as a smart phone, a tablet computer, or a portable computer.
  • the group insurance application device may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the group insurance equipment may also include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio Frequency
  • terminal structure shown in FIG. 5 does not constitute a limitation on the group insurance application device, and may include more or less components than those illustrated, or combine some components, or different component arrangements. .
  • an operating system may be included in the memory 1005 as a computer storage medium.
  • a network communication module may be included in the memory 1005 as a computer storage medium.
  • a user interface module may be included in the memory 1005 as a computer storage medium.
  • a group insurance application program may be included in the memory 1005 as a computer storage medium.
  • the network interface 1004 is mainly used to connect to the background server, and performs data communication with the background server, and the background server stores information such as an alternative insurance plan group corresponding to each employee category of the pre-configured group client;
  • the interface 1003 is mainly used to connect to a client (user end), perform data communication with the client, and receive an instruction input by the user.
  • the processor 1001 can be used to invoke the group insurance application stored in the memory 1005, and perform the following operations:
  • the insured persons corresponding to the respective types of customized insurance plans are counted according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers for insurance.
  • the alternative insurance plan group includes a basic insurance plan group and a value added insurance plan group.
  • processor 1001 may call the group insurance application program stored in the memory 1005, and also perform the following operations:
  • the insurance products of the same insurance type are de-duplicated to obtain the de-emphasized insurance products;
  • the de-emphasized insurance product is combined to obtain the insured's customized insurance plan.
  • processor 1001 may call the group insurance application program stored in the memory 1005, and also perform the following operations:
  • the basic insurance product group has the same basic insurance product as the value-added insurance product insurance selected by the insured, the basic insurance product is removed, and only the value-added insurance product is retained; if the basic insurance plan is In the group, if there is no basic insurance product that is the same as the value-added insurance product insurance selected by the insured, the value-added insurance product is retained.
  • processor 1001 may call the group insurance application program stored in the memory 1005, and also perform the following operations:
  • the insured person's customized insurance plan is configured according to the basic insurance plan group.
  • processor 1001 may call the group insurance application program stored in the memory 1005, and also perform the following operations:
  • a corresponding alternative insurance plan group is configured.
  • the specific embodiments of the group insurance insured equipment are basically the same as the above embodiments of the group insurance application method, and are not described herein.
  • the embodiment of the present application further provides a computer readable storage medium, where the group readable storage program is stored, and the group insurance application program is executed by the processor to:
  • the insured persons corresponding to the respective types of customized insurance plans are counted according to the respective types of customized insurance plans and the corresponding insured persons to generate the group insurance policies of the group customers for insurance.
  • the alternative insurance plan group includes a basic insurance plan group and a value added insurance plan group.
  • the insurance products of the same insurance type are de-duplicated to obtain the de-emphasized insurance products;
  • the de-emphasized insurance product is combined to obtain the insured's customized insurance plan.
  • the basic insurance product group has the same basic insurance product as the value-added insurance product insurance selected by the insured, the basic insurance product is removed, and only the value-added insurance product is retained; if the basic insurance plan is In the group, if there is no basic insurance product that is the same as the value-added insurance product insurance selected by the insured, the value-added insurance product is retained.
  • the insured person's customized insurance plan is configured according to the basic insurance plan group.
  • a corresponding alternative insurance plan group is configured.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

L'invention concerne un procédé pour extraire une assurance de groupe. Le procédé consiste à : configurer un groupe de régimes d'assurance alternatif correspondant lorsque la connexion d'une personne assurée d'un groupe de clients est détectée; acquérir des produits d'assurance sélectionnés, sur la base du groupe de régimes d'assurance alternatif, par la personne assurée, et combiner ceux-ci pour obtenir un régime d'assurance personnalisé pour la personne assurée; classer de régimes d'assurance personnalisés de toutes les personnes assurées du groupe de clients, et diviser les mêmes régimes d'assurance personnalisés en une catégorie de façon à obtenir des régimes d'assurance personnalisés de chaque catégorie; et compter les personnes assurées correspondant aux régimes d'assurance personnalisés de chaque catégorie, et générer, en fonction des régimes d'assurance personnalisés de chaque catégorie et des personnes assurées correspondantes, une police d'assurance collective pour le groupe de clients à extraire. L'invention concerne également un système pour extraire une assurance de groupe, un dispositif pour extraire une assurance de groupe et un support d'informations lisible par ordinateur. La présente invention réalise la personnalisation de régime d'assurance de chaque personne assurée d'un groupe de clients.
PCT/CN2017/112181 2017-02-20 2017-11-21 Procédé, système et dispositif pour extraire une assurance de groupe, et support d'informations lisible par ordinateur WO2018149194A1 (fr)

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CN109447831B (zh) * 2018-12-28 2022-01-14 武汉大学 一种基于可穿戴设备的医疗保险合同设计方法
CN109767193A (zh) * 2019-01-11 2019-05-17 深圳市点点电子商务有限公司 诉讼财产保全责任险的投保方法、设备及可读存储介质
CN114782207A (zh) * 2022-04-26 2022-07-22 北京优全智汇信息技术有限公司 基于大数据分析的保险产品定制系统及方法
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