CN102057393A - 用于管理保险方案的系统及方法 - Google Patents

用于管理保险方案的系统及方法 Download PDF

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CN102057393A
CN102057393A CN2009801206583A CN200980120658A CN102057393A CN 102057393 A CN102057393 A CN 102057393A CN 2009801206583 A CN2009801206583 A CN 2009801206583A CN 200980120658 A CN200980120658 A CN 200980120658A CN 102057393 A CN102057393 A CN 102057393A
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阿德里安·戈雷
赫舍尔·菲利普·迈尔斯
肯尼思·史蒂文·拉布森
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Discovery Holdings Ltd
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    • G06—COMPUTING; CALCULATING OR 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
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    • 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

Abstract

一种用于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，并限定了当这些保险事故中的一个发生时应支付的至少一笔保险费；监控模块，监控由金融机构设定的利率的提高或降低；计算模块，根据监控到的利率改变，改变该至少一笔保险费，其中，保险费改变的金额与利率提高或降低的数额相关；以及授予模块，在发生至少一个保险事故的情况下，为受保人提供改变后的至少一笔保险费。

Description

用于管理保险方案的系统及方法
技术领域
本发明涉及一种用于管理保险方案的系统及方法。
背景技术
本发明可由传统的人寿保险计划经营者对其参保人员实施或由另一方实施。
按照惯例，保险单，如人寿保险单，根据如下基础操作：被保险人(有时称作受保人)支付保险金给人寿保险承保人，在保险事故发生的情况下，人寿保险承保人将预先约定的金额(称作保险金额)支付给受保人或其受益人。具有代表性的保险事故为：受保人伤残、重大疾病或死亡。
在保险事故发生的情况下，一些承保人按月支付一定的数额给受保人或其受益人。这种按月支付的数额为恒定的或随着时间的推移以预先约定的数额增加。
尽管如此，按月支付数额并未将利率提高(该利率提高是银行发放个人贷款的利息)考虑在内。但这对那些在银行有一笔或多笔贷款如房贷和车贷的人来说，可能非常重要。
在特定的经济环境中，一个国家的中央银行有时会明显提高利率以抑制通货膨胀。而相应地，该国商业银行将增加对客户收取的贷款利率。
受保人或其受益人将会发现，在利率高涨的经济环境中，从承保人得到的按月支付款无法供他们偿还债务。
本发明提供了一种系统及方法来处理这种问题。
发明内容
根据一示例性实施例，提供了一种保险方案的管理方法，该方法包括：
为受保人限定至少一个保险事故；
限定在该至少一个保险事故发生的情况下应支付的至少一笔保险费；
监控由金融机构设定的利率提高或降低；
根据监控到的任何利率改变，改变该至少一笔保险费，保险费改变的数额与利率提高或降低量相关；
在该至少一个保险事故发生的情况下，为受保人提供改变后的该至少一笔保险费。
该至少一笔保险费可按照与利率提高或降低百分比相关的百分比改变。
根据另一示例性实施例，提供了一种保险方案的电子管理系统，该系统包括：
保险费模块，为受保人限定至少一个保险事故，并限定了在该至少一个保险事故发生的情况下应支付的至少一笔保险费；
监控模块，监控由金融机构设定的利率提高或降低；
计算模块，根据监控到的任何利率改变，改变至少一笔保险费，其中，保险费改变的数额与利率提高或降低的量相关；和
授予(award)模块，在该至少一个保险事故发生的情况下，为受保人提供改变后的该至少一笔保险费。
附图说明
图1为示出一示例性实施例的方法的流程图；
图2为示出实施所述方法的示例性系统的方框图；
图3为图1和图2所示方法和系统的示意性实例。
具体实施方式
所述系统和方法涉及一种管理保险方案的系统及方法，如以人寿保险方案为例。
按照惯例，人寿保险方案按照如下基础操作：被保险人(称作受保人)定期地支付保险金给人寿保险承保人，并明确在保险事故发生的情况下所需赔付的保险金额。例如，当受保人死亡时，预先约定的死亡保险费将支付给受保人指定的受益人。如果受保人残疾或遭受重大疾病，则支付相同或不同的数额。
下面将结合这类方案来阐述该方法和系统，但应明白的是，该方法和系统也可同样地运用于其他类型的保险方案。
还应当理解，该系统和方法可以由任何相关人员或组织实施。例如，该系统和方法可由操作人寿保险方案的组织来操作或由别的相关组织来操作。在一例子中，该系统和方法由发放信用卡给其成员的金融机构来实施。
仅为了说明的目的，本文中的系统和方法将描述为由人寿保险方案的管理者操作。
如图1所示，限定至少一个保险事故(框10)。典型地，限定多个保险事故，该多个保险事故例如包括伤残、重大疾病或死亡，这些均为人寿保险方案中投保的典型事故。尽管如此，应理解，在其他环境中，这类保险事故可能是诸如生育或工作改变(仅是一些例子)的其他事故。
无论如何，如该方案的受保人发生保险事故，则导致至少一笔保险费赔付给受保人。
该至少一笔保险费可为任何种类。例如，该至少一笔保险费可为一整笔现金支付、开始周期性现金支付、支助一部分生活费用或支助健康保险计划的保险费(仅是一些例子)。
另外，该至少一笔保险费可为上述例举的保险费中一项以上的组合。
该至少一笔保险费将支付给受保人或受保人指定的受益人。典型地，该保险赔偿金会支付给受保人，但是，如果受保人死亡或丧失行为能力，则该保险赔偿金将由受保人在事故发生前指定的受益人领取。
为说明本发明，该至少一笔保险费将描述为对受保人或其指定受益人的周期性现金支付。
周期性现金支付可以一个任意给定的时间间隔支付，但这里典型地认为是按月支付。按月支付的数额由承保人和受保人签订的保险协议条款设定。
在下一步中(框14)，监控由金融机构设定的利率提高或降低。
许多国家的利率由中央银行或其他中央金融机构支配性地设定。当中央银行提高或降低利率时，该国的商业金融机构将提高或降低向其客户索要的利率。
本发明可应用于此类情景，也可运用于以下情景：受保人或其受益人在一特定金融机构中具有一笔或一笔以上的有利息贷款，该金融机构提高或降低该一笔或一笔以上贷款的利率。
无论如何，当一金融机构提高或降低利率时，根据监控到的利率变化，改变该至少一笔保险费(框16)，其中，改变的数额与利率的提高或降低量有关。
在最简单的具体实施例中，可根据与利率提高或降低相同的百分比来提高或降低保险费。
在另一实施例中，保险费的提高或降低未必与利率的提高或降低相同。下表示出了一例子，列出了利率提高时，保险费数额的改变：
  利率提高   改变的保险费
  1％-1.99％   5％
  2％-2.99％   7.5％
  3％-3.99％   10％
  4％+   15％
因此，该至少一笔保险费可能根据这样的百分比改变，该百分比额度与利率提高或降低的百分比相关。
在该至少一个保险事故发生的情况下，提供改变后的保险费给受保人(框18)。
如附图3所示，结合上表，说明一个例子，其中，利率表示为原始利率以不同百分比增加的形式，该至少一笔保险费表示为增加了的延续型保险费收入。
在所示例子中，该受保人或其受益人具有一笔房贷月供支出，当原始利率提高时，该月供支出增加。但是，由于延续型保险费收入的增加，受保人的可支配收入不会受到影响。
图2为实现上述方法的一个典型的系统。
服务器20包括实现上述方法的多个模块。
保险费模块22为受保人限定多个保险事故，并限定了在一个保险事故发生的情况下应支付的至少一笔保险费；
模块22被构造用来限定多个保险事故，在一实施例中，这些保险事故包括伤残、重大疾病或死亡，其均为人寿保险方案中投保的典型事故。尽管如此，应理解，在其他环境中，这些保险事故可以是其他的事故。
当保险费模块22限定出多个有关生命改变的事故时，该模块22访问一存储器并将所限定的多个费用类别储存于存储器。
在一示例性实施例中，存储器可以采用数据库28的形式。在另外的实施例中，存储器可位于服务器20上或该示例性系统未示出的其他服务器上。在任一情况下，存储器与模块22数据通信，并可由模块22访问，该模块22能够从该存储器读取数据以及写入数据到该存储器。
监控模块24监控由金融机构设定且如上所述的利率提高或降低。
监控模块24被构造用来通过在通信网络32中访问外部信息来源以搜索信息并获得利率的任何变化信息。
可替换地或者此外，监控模块24被构造用来通过通信网络32或用户输入界面(诸如，用户计算机直接与服务器20连接)从用户或外部计算机接收描述利率的任何变化的数据。
当监控模块24已经获得利率的任何变化信息时，该模块24访问存储器并将所限定的多个费用类别储存于存储器中。
在一示例性实施例中，存储器可以采用数据库28的形式。在另外的实施例中，存储器可位于服务器20上或该示例性系统未示出的其他服务器上。在任一情况下，存储器与模块24数据通信，并可由模块24访问，该模块24能够从该存储器读取数据以及写入数据到该存储器。
计算模块26根据监控到的任何利率变化改变该至少一笔保险费。该计算模块26改变与利率提高或降低量相关的金额。
计算模块26可通过若干方式计算利率变化的数额。
在一示例性具体实施例中，计算模块26仅根据利率变化的百分比额度来改变保险费的数额。
在另一示例性具体实施例中，计算模块26被构造用来对于一个利率提高或降低百分比范围计算一个相应的提高或降低百分比。因此，限定出若干组利率提高百分比或限定出这些提高量，且每笔支付都与相应的保险费提高或降低百分比有关。
计算模块26计算改变后的保险费数额。
当计算模块26计算出改变的保险费数额时，将该保险费数额存储在数据库30中。
授予模块28在保险事故发生的情况下获取改变后的保险费数额并为受保人提供改变后的保险费。
该系统包括至少一个相关的数据库30，以存储上述一个或多个模块要使用的数据。
另外，典型地，服务器连接到通信网络32，以与其他计算机通信来实施上述方法。
上述模块可由体现为指令的机器可读媒介来实施，当机器执行该指令时，该指令可使机器执行上述任一方法。
在另一示例性实施例中，模块可由专门编程的固件(firmware)来实施，以执行上述方法。
应该理解的是，本发明的实施例并不限于此架构，而是能够同样适当地应用于分布式或对等(peer-to-peer)架构系统。因此，所述模块可位于一个或多个机构操作的一个或多个服务器上。
还应该理解的是，在所述的任一情况中，这些模块形成具有专用于执行上述方法的步骤的物理模块的物理装置。

Claims (8)

1.一种用于管理保险方案的系统，所述系统包括：
保险费模块，为受保人限定至少一个保险事故，并限定在发生所述保险事故中的一个的情况下应支付的至少一笔保险费；
监控模块，监控由金融机构设定的利率的提高或降低；
计算模块，根据监控到的任何利率改变，改变所述至少一笔保险费，其中，所改变的数额与利率提高或降低的量相关；以及
授予模块，在发生所述至少一个保险事故的情况下，为受保人提供改变后的所述至少一笔保险费。
2.根据权利要求1所述的系统，其特征在于，所述计算模块将所述至少一笔保险费改变一百分比。
3.根据权利要求2所述的系统，其特征在于，所述计算模块将所述至少一笔保险费改变一百分比，该百分比与利率提高或降低的百分比相同。
4.根据权利要求2所述的系统，其特征在于，所述计算模块将所述至少一笔保险费改变一百分比，该百分比与利率提高或降低的百分比不同但相关。
5.一种用于管理保险方案的设备，所述设备包括：
一装置，为受保人限定至少一个保险事故，并限定在发生所述保险事故中的一个的情况下应支付的至少一笔保险费；
一装置，监控由金融机构设定的利率的提高或降低；
一装置，根据监控到的利率改变，改变所述至少一笔保险费，其中，保险费改变的数额与利率提高或降低的量相关；以及
一装置，在发生所述至少一个保险事故的情况下，为受保人提供改变后的所述至少一笔保险费。
6.一种管理保险方案的方法，所述方法包括：
为受保人限定至少一个保险事故；
限定在发生所述至少一个保险事故的情况下应支付的至少一笔保险费；
监控由金融机构设定的利率的提高或降低；
根据监控到的利率改变，改变所述至少一笔保险费，其中，所述至少一笔保险费改变的数额与利率提高或降低的量相关；以及
在发生所述至少一个保险事故的情况下，为受保人提供改变后的所述至少一笔保险费。
7.根据权利要求6所述的方法，其特征在于，将所述至少一笔保险费改变一百分比，其中，保险费的百分比变化与利率的提高或降低百分比相关。
8.根据权利要求6所述的方法，其特征在于，根据与利率的提高或降低百分比相同的百分比来改变所述至少一笔保险费。
CN2009801206583A 2008-06-03 2009-05-26 用于管理保险方案的系统及方法 Pending CN102057393A (zh)

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