CN102057392A - 管理保险方案的系统和方法 - Google Patents
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Abstract
一种管理保险方案的系统,包括保险费模块,其针对受保人限定至少一个受保事件并限定在保险事故的其中一个发生的情况下将支付的至少一笔保险费。计算模块基于以下因素改变至少一笔保险费:a)时间因素;以及b)受保事件对受保人的生活影响。授予模块在至少一个保险事故发生的情况下,将至少一笔改变的保险费提供给受保人。
Description
技术领域
本申请涉及一种管理保险方案的系统和方法。
背景技术
本发明可以由传统的人寿保险计划操作员为其参保会员实施,或可以由另一方实施。
传统地,保险单(例如,人寿保险单)基于如下方式操作:在被保险人(有时叫做受保人)向人寿保险承保人支付保险金,并且在保险事故发生的情况下,人寿保险承保人对受保人或他/她的受益人支付预定金额(叫做保险金额)的基础上操作。典型的保险事故是:受保人遭受伤残,患上严重疾病,或者死亡。
然而,在保险事故发生的情况下计算支付或收益的数额方法通常非常随意。
本发明提供一种致力于解决此问题的系统和方法。
发明内容
根据一个示例实施方式,提供一种管理保险方案的系统,该系统包括:
保险费模块,为受保人限定至少一个保险事故,并限定在保险事故的其中之一发生的情况下将支付的至少一笔保险费;
计算模块,基于以下因素改变上述至少一笔保险费:
a)时间因素;以及
b)保险事故对受保人的生活影响;以及
授予模块,在至少一个保险事故发生的情况下,将至少一笔改变的保险费提供给受保人。
计算模块可以计算保险事故的生活影响,并对其分配(allocate)分值(score)。
另外,计算模块可以通过将受命影响进一步分解成一个或多个以下的标准来实现此操作:影响的持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
计算模块可以对每个标准分配一点值,然后,通过计算模块计算所分配的点值的和,以确定总生活影响点值。
计算模块还可以通过评估保险事故的影响的持续时间并对该持续时间分配一持续分值,来计算持续分值形式的时间因素。
在一个示例实施方式中,计算模块通过计算到受保人退休时的平均持续时间,来计算持久生活影响的持续分值。
计算模块可以另外用收入因素来计算保险费,具体地基于受保人的职业以及受保人是否具有标准薪水增长预期或高薪增长预期来计算收入因素。
可以将收入因素计算为一百分比。
在另一示例实施方式中,提供一种管理保险方案的设备,该设备包括:
用于为受保人限定至少一个保险事故的装置;
用于限定在至少一个保险事故发生的情况下将支付的至少一笔保险费的装置;
用于基于以下因素来改变上述至少一笔保险费的装置:
a)时间因素;以及
b)保险事故对受保人的生活影响;以及
用于在至少一个保险事故发生的情况下,将改变的至少一笔保险费提供给受保人的装置。
根据另一示例实施方式,提供一种管理保险方案的方法,该方法包括:
为受保人限定至少一个保险事故;
限定在至少一个保险事故发生的情况下将支付的至少一笔保险费;
基于以下因素改变上述至少一笔保险费:
a)时间因素;以及
b)保险事故对受保人的生活影响;以及
在至少一个保险事故发生的情况下,将改变的至少一笔保险费提供给受保人。
时间因素包括以下因素中的一个或多个:受保人在保险事故时的年龄和保险事故的影响的估计持续时间。
进一步,基于c)受保人的收入因素来改变至少一笔保险费。
可以用以下一个或多个标准来计算保险事故的生活影响:影响的持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
该方法可以进一步包括对每个标准分配一点值,然后,计算所分配的点值的和以确定一总点值,其中,用总生活影响点值来确定保险事故的生活影响。
另外,可以根据以下因素中的一个或多个来对时间因素分配持续分值:受保人在保险事故发生时的年龄和保险事故将持续的持续时间。
在此实例中,将生活影响点值加到持续值上,以确定组合分值。
在另一实例中,将总生活影响点值与总点值的多个段(band)进行比较,其中,对每个段分配一生活影响状态,并以此方式评估生活影响。
可以将至少一笔保险费改变一百分比,其中,此百分比的量与a)至c)相关。
附图说明
图1是示出了一个示例实施方式的方法的流程图;
图2是示出了一个执行这里描述的方法的示例系统的框图。
具体实施方式
这里描述的系统和方法涉及一种管理保险方案(例如,人寿保险方案,这是列举的实例)的系统和方法。
传统的人寿保险方案基于以下方式操作:被保险人(叫做受保人)按照定期的原则向人寿保险承保人支付保险金,并明确保证金额,该保证金额是保险事故发生的情况下将要支付的数额。例如,在受保人死亡的情况下,对受保人的指定受益人支付预定的死亡保险费。如果受保人残疾或遭受严重的疾病,那么支付相同或不同的数额。
将参考这些类型的方案来描述本方法和系统,但是,将理解,该方法和系统可等同地应用于其他类型的保险方案。
还将理解,该系统和方法可以由任何相关的人或组织实施。例如,该系统和方法可以由操作人寿保险方案的组织操作,或可以由另一相关组织实施。在一个实例中,该系统和方法可以由对其会员发放信用卡的金融组织实施。
仅为了说明的目的,这里将把该系统和方法描述为由人寿保险方案的管理人员操作。
参考图1,一种管理保险方案的方法包括为受保人限定至少一个保险事故(方框10)。至少一个保险事故可以包括,例如,受伤或生病。例如,受伤可以是暂时伤害或持久伤害。例如,疾病可以是所谓的严重疾病。
将理解,所限定的保险事故的数量可以很多而且是变化的,并且显然不限于以上实例。
计算至少一个保险事故发生的情况下将支付的至少一笔保险费(方框12)。
基于以下因素来调整至少一笔保险费的数额(方框14):
a)时间因素;以及
b)保险事故对受保人的生活影响。
用一个或多个以下标准来计算保险事故的生活影响:影响的持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
在一个实例中,对每个标准分配一点值,然后,计算点值的和,以确定总生活影响点值。用总生活影响点值来确定保险事故的生活影响。
在一个示例实施方式中,对标准分配点值以达到第一总点分值。
以下是分配给几种疾病的点值的一个实例:
其中,表格中的标准是:
1-影响的持续时间;
2-外科手术的侵入性;
3-药理学;
4-所需的治疗或康复;
5-化学疗法或放射疗法;以及
6-所需的辅助装置或所需的护理。
因此,总点值越高,保险事故的生活影响越大。
接下来,以持续分值的形式计算时间因素。通过评估保险事故的影响的持续时间并对该持续时间分配一持续分值,来计算分值。例如:
持续因素 | 持续分值 |
0-2.5年 | 0 |
2.5-5年 | 2 |
5-7.5年 | 4 |
7.5-10年 | 6 |
10-12.5年 | 8 |
12.5-15年 | 10 |
15-17.5年 | 12 |
17.5-20年 | 14 |
20-22.5年 | 16 |
22.5-25年 | 18 |
25-27.5年 | 20 |
27.5-30年 | 22 |
30-32.5年 | 24 |
32.5-35年 | 26 |
35-37.5年 | 28 |
37.5-40年 | 30 |
如果保险事故的持续时间是持久的,那么将持续时间的持续分值回复到(revert to,返还)距离退休的平均持续时间。例如:
年龄段 | 距离退休的平均持续时间(年) |
<30 | 40.0 |
31-40 | 30.0 |
41-50 | 20.0 |
51-55 | 12.5 |
56-60 | 7.5 |
61-65 | 2.5 |
现在,距离退休的平均持续时间变成以上使用的持续时间因素。
接下来,将生活影响分值与持续时间分值组合,以形成总寿命影响分值。
此分值用来确定生活影响类别,其中,组合分值的范围落入不同的类别中。
最后,在所示实例中,将生活影响类别与收入因素一起使用。
收入因素可以采用许多形式,但是,在所示实例中,收入因素基于受保人的职业和受保人是否具有标准薪水增长预期或高薪增长预期。
在一个说明性实例中,使用所有以上因素:
因此,根据保险事故的生活影响和持续时间以及受保人的预期薪水增长,通过上述百分比调整保险费的数额。
在至少一个保险事故发生的情况下,将所计算的至少一笔保险费提供给受保人(方框16)。
图2示出了用于执行以上方法的说明性系统。
服务器20包括用以执行上述方法的许多模块。
保险费模块22针对受保人限定至少一个保险事故。
将模块22构造为限定多个保险事故,在一个实施方式中,这些保险事故包括伤残、患上严重疾病或者死亡,这些是由人寿保险方案保险的典型的事件类型。然而,将理解,在其他背景中,这些寿明改变事件可以是其他事件。
一旦保险费模块22限定了多个生命改变事件,模块22便访问存储器并将所限定的多个费用类别存储在存储器中。
在一个示例实施方式中,存储器可采用数据库28的形式。在其他实施方式中,存储器可位于服务器20上,或位于未在此示例系统中示出的另一服务器上。在任一情况中,存储器与模块22数据通讯,并可被能够对存储器读写数据的模块22访问。
将计算模块24构造为计算在至少一个保险事故发生的情况下将支付的至少一笔保险费。通过计算模块24并使用多个因素来计算至少一笔保险费的数额,上述多个因素包括:
a)时间因素;以及
b)保险事故对受保人的生活影响。
将计算模块24构造为计算保险事故的生活影响,并对其分配分值。计算模块24通过将生活影响进一步分解成一个或多个以下标准来实现此操作,例如:影响的持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
在一个实例中,计算模块24对每个标准分配一点值,然后,通过计算模块24计算所分配的点值的和,以确定总生活影响点值。用总生活影响点值作为保险事故对受保人的生活影响的指标。因此,总点值越高,保险事故的寿命影响越大。以上已经示出了其一个实例。
将计算模块24构造为计算持续分值形式的时间因素。分值通过计算模块24以如下方式计算:评估保险事故的影响的持续时间并对持续时间分配持续分值。以上已经示出了其实例。
如果生活影响的持续时间是持久的,那么计算模块24根据距离退休的平均持续时间来计算生活影响的持续时间。以上已经示出了其实例。
在一个示例实施方式中,计算模块24使用生活影响分值,并结合持续时间分值,以形成组合分值,且计算模块24用该组合分值来确定生活影响类别,其中,组合分值的范围落入不同的类别中。以上已经示出了其实例。
最后,在一个示例实施方式中,计算模块24将生活影响类别和收入因素一起使用。
由计算模块24计算的收入因素可以采用许多形式,但是,在所示实例中,通过计算模块24基于受保人的职业和受保人是否具有标准薪水增长预期或高薪增长预期来计算收入因素。
在一个示例实施方式中,计算模块24将收入因素计算为一百分比。
在此实施方式中,计算模块24将保险费的数额调整根据收入因素来计算的百分比。
计算模块24访问存储器,存储器可以是数据库28并将所计算的保险费的数额存储于其中。
授予模块26用于在至少一个保险事故发生的情况下,从计算模块或从存储器获得保险费的数额,并将所计算的至少一笔保险费提供给受保人。
如上所述,该系统包括至少一个相关联的数据库28,上述数据库28用于存储将由以上参考的模块中的一个或多个使用的数据。
另外,服务器20典型地与通信网络30连接,以与其他计算机通信,从而实施上述方法。
可以用将指令具体化的机器可读的介质来实施上述模块,当由机器执行时,这些指令导致机器进行上述方法的任一种。
在另一示例实施方式中,可以用专门编程以执行这里描述的方法的固件来实施这些模块。
将理解,本发明的实施方式不限于这种架构,并且,可同样良好地应用于分布式或对等式的架构系统。因此,所示模块可位于由一个或多个机构操作的一个或多个服务器上。
还将理解,在任何这些情况中,这些模块形成一物理设备,该物理设备具有专门用于执行这里描述的方法的步骤的物理模块。
Claims (18)
1.一种管理保险方案的系统,其特征在于,所述系统包括:
保险费模块,针对受保人限定至少一个保险事故,并限定在所述保险事故的其中一个发生的情况下将支付的至少一笔保险费;
计算模块,基于以下因素改变所述至少一笔保险费:
a)时间因素;以及
b)所述保险事故对所述受保人的生活影响;以及
授予模块,在所述至少一个保险事故发生的情况下,将改变后的所述至少一笔保险费提供给所述受保人。
2.根据权利要求1所述的系统,其中,所述计算模块计算所述保险事故的所述生活影响,并对所述生活影响其分配分值。
3.根据权利要求2所述的系统,其中,所述计算模块通过将所述生活影响进一步分解成一个或多个以下标准来实现此操作:影响持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
4.根据权利要求3所述的系统,其中,所述计算模块对每个标准分配点值,然后,通过所述计算模块计算分配的所述点值的和,以确定总生活影响点值。
5.根据前述权利要求中任一项所述的系统,其中,所述计算模块通过评估所述保险事故的所述影响持续时间并对所述影响持续时间分配一持续分值,来计算持续分值形式的所述时间因素。
6.根据权利要求5所述的系统,其中,所述计算模块通过计算到所述受保人退休的平均持续时间,来计算持久生活影响的所述持续分值。
7.根据前述权利要求中任一项所述的系统,其中,所述计算模块另外还用收入因素来调整所计算的保险费的数额。
8.根据权利要求7所述的系统,其中,所述计算模块基于所述受保人的职业和所述受保人是否具有标准薪水增长预期或高薪增长预期来计算所述收入因素。
9.一种管理保险方案的设备,其特征在于,所述设备包括:
用于针对受保人限定至少一个保险事故的装置;
用于限定在所述至少一个保险事故发生的情况下将支付的至少一笔保险费的装置;
用于基于以下因素改变所述至少一笔保险费的装置:
a)时间因素;以及
b)所述保险事故对所述受保人的生活影响;以及
用于在所述至少一个保险事故发生的情况下,将改变后的所述至少一笔保险费提供给所述受保人的装置。
10.一种管理保险方案的方法,其特征在于,所述方法包括:
针对受保人限定至少一个保险事故;
限定在至少一个保险事故发生的情况下将支付的至少一笔保险费;
基于以下因素改变所述至少一笔保险费:
a)时间因素;以及
b)所述保险事故对所述受保人的生活影响;以及
在所述至少一个保险事故发生的情况下,将改变后的所述至少一笔保险费提供给所述受保人。
11.根据权利要求10所述的方法,其中,所述时间因素包括以下因素中的一个或多个:所述受保人在所述保险事故时的年龄和所述保险事故的所述影响的估计持续时间。
12.根据权利要求10或11所述的方法,其中,所述至少一笔保险费进一步基于c)所述受保人的收入因素而改变。
13.根据权利要求10至12中的任一项所述的方法,其中,用一个或多个以下标准来计算所述保险事故的所述生活影响:影响持续时间;外科手术的侵入性;药理学;所需的治疗或康复;化学疗法或放射疗法;以及所需的辅助装置或所需的护理。
14.根据权利要求13所述的方法,其中,所述方法进一步包括对每个标准分配点值,然后,计算分配的所述点值的和,以确定总点值,其中,用所述总生活影响点值来确定所述保险事故的所述生活影响。
15.根据权利要求13所述的方法,其中,根据以下因素中的一个或多个对所述时间因素分配持续分值:所述受保人在所述保险事故时的年龄和所述保险事故将持续的持续时间。
16.根据权利要求15所述的方法,其中,将所述生活影响点值加到所述持续值上,以确定组合分值。
17.根据权利要求16所述的方法,其中,将所述总生活影响点值与总点值的多个段相比较,其中,对所述多个段的每一个分配生活影响状态,并以此方式评估所述生活影响。
18.根据权利要求17所述的方法,其中,将所述至少一笔保险费改变一百分比,其中,所述百分比的数额与a)至c)相关。
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US8326655B2 (en) | 2012-12-04 |
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