CN108428180A - A kind of group insures the method and apparatus of processing - Google Patents
A kind of group insures the method and apparatus of processing Download PDFInfo
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- CN108428180A CN108428180A CN201710083467.0A CN201710083467A CN108428180A CN 108428180 A CN108428180 A CN 108428180A CN 201710083467 A CN201710083467 A CN 201710083467A CN 108428180 A CN108428180 A CN 108428180A
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- G—PHYSICS
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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
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Abstract
It insures the present invention provides a kind of group the method and apparatus of processing, including：Obtain the base case of group's declaration form and the upgrading scheme of each insurant；The total premium in basis of group's declaration form is calculated according to the base case；The total premium in basis is deducted to default group's account of the group insurer of group's declaration form；The processing of accepting insurance of group's declaration form is carried out according to the base case；Premium should be paid by deducting corresponding individual to the default personal account of each insurant according to the upgrading scheme of each insurant；According to the upgrading scheme of each insurant upgrading processing of accepting insurance is carried out on the basis of the group's declaration form accepted insurance.Through the invention, it realizes deduct fees operation and personal account of group's account to deduct fees the separation of operation, avoiding individual insurants from not paying the fees influences the case where accepting insurance of entire group；In addition, eliminating the cumbersome flow work in enterprise side, the treatment effeciency that group insures is substantially increased.
Description
Technical field
It insures the present invention relates to financial services industry more particularly to a kind of group the method and apparatus of processing.
Background technology
Existing group insures business, is all uniformly to pay premium by group insurer (enterprise), in general insurance application
All insurant's premiums all, or are divided into several levels, and the premium of insurant is the same in each level, at this
Under kind pattern, group insurer can be insurant's payment of premium, or collect premium from each insurant there, so
Insurance company is uniformly given afterwards, and operation is all more convenient.However for independently selecting class business, the insurer of each insurant
Case is all oneself selection, and premium is different, and group insures artificially, and each the welfare premium of insurant's offer is to fix gold
Volume, or be divided into several levels, if there is beyond the part expense that needs insurant to pay, and pay according to selected scheme
Also different, group insurer is to calculate the excess premium of each insurant, collecting excess premium, flow for which
It is excessively cumbersome, and group business needs are integrally accepted insurance after all insurants have selected scheme, if individual insurants
Its excess premium that should bear is not paid, then can influence accepting insurance for entire group.
Invention content
In consideration of it, a kind of method and apparatus for processing of insuring an embodiment of the present invention provides group, to solve the prior art
Existing Guaranteed Corporation effluent journey is cumbersome and influences the problem of entire group accepts insurance due to individual insurants do not pay the fees.
A kind of group provided in an embodiment of the present invention insures the method for processing, including：
Obtain the base case of group's declaration form and the upgrading scheme of each insurant；
The total premium in basis of group's declaration form is calculated according to the base case；
The total premium in basis is deducted to default group's account of the group insurer of group's declaration form；
The processing of accepting insurance of group's declaration form is carried out according to the base case；
According to the upgrading scheme of each insurant to the default personal account of each insurant deduct pair
The individual answered should pay premium；
It accepts insurance on the basis of the group's declaration form accepted insurance according to the upgrading scheme of each insurant
Upgrading processing.
Further, the upgrading scheme according to each insurant is a to presetting for each insurant
The corresponding individual of family deduction that acknowledges a debt should pay premium and include：
The personal upgrading premium of corresponding each insurant is calculated according to the upgrading scheme；
Obtain the personal basic premium of the corresponding base case of insurant described in group's declaration form；
The individual for calculating each insurant according to the personal upgrading premium and the personal basic premium should pay
Premium；
Premium should be paid by deducting the individual to the default personal account of each insurant.
Further, the processing of accepting insurance that group's declaration form is carried out according to the base case specifically includes：
If the base case of group's declaration form is sky, accept insurance sky declaration form for group's declaration form.
Further, after the base case for obtaining group's declaration form, further include：
Judge whether the base case of group's declaration form is sky；
If the base case of group's declaration form is sky, directly execute described according to base case progress group
The step of the handling of accepting insurance of declaration form.
Further, base of the upgrading scheme according to each insurant in the group's declaration form accepted insurance
The upgrading processing that carries out accepting insurance on plinth includes：
Judge whether the insurant possesses the base case for the group's declaration form accepted insurance；
If the insurant does not possess the base case for the group's declaration form accepted insurance, by the insurant's
Upgrading scheme is added in the group's declaration form accepted insurance；
If the insurant possesses the base case for the group's declaration form accepted insurance, the insurant is possessed
Base case upgrade to the upgrading scheme in the group's declaration form accepted insurance.
A kind of group provided in an embodiment of the present invention insures the device of processing, including：
Scheme acquisition module, the upgrading scheme of base case and each insurant for obtaining group's declaration form；
Basic total premium computing module, the total premium in basis for calculating group's declaration form according to the base case；
Group's account is deducted fees module, described in default group's account for the group insurer to group's declaration form deducts
The total premium in basis；
It accepts insurance module, the processing of accepting insurance for carrying out group's declaration form according to the base case；
Personal account is deducted fees module, for according to the upgrading scheme of each insurant to each insurant
Default personal account deduct corresponding individual and should pay premium；
It accepts insurance upgraded module, for the upgrading scheme according to each insurant in the group's declaration form accepted insurance
On the basis of carry out upgrading processing of accepting insurance.
Further, personal account module of deducting fees includes：
Individual's upgrading premium computing unit, for calculating corresponding each insurant according to the upgrading scheme
People upgrades premium；
Personal basic premium acquiring unit, for obtaining the corresponding base case of insurant described in group's declaration form
Personal basic premium；
Individual should pay premium computing unit, for calculating institute according to the personal upgrading premium and the personal basic premium
The individual for stating each insurant should pay premium；
It deducts fees unit, premium should be paid for deducting the individual to the default personal account of each insurant.
Further, the module of accepting insurance includes：
Empty declaration form unit of accepting insurance is held if the base case for group's declaration form is sky for group's declaration form
Protect empty declaration form.
Further, the insure device of processing of the group further includes：
Empty declaration form judgment module, for judging whether the base case of group's declaration form is sky；
Trigger module, if the judging result for the empty declaration form judgment module is yes, mould of directly accepting insurance described in triggering
Block.
Further, the upgraded module of accepting insurance includes：
Base case judging unit, for judging whether the insurant possesses the base for the group's declaration form accepted insurance
Plinth scheme；
First accepts insurance upgrade unit, if not possessing the square foundation for the group's declaration form accepted insurance for the insurant
The upgrading scheme of the insurant is then added in the group's declaration form accepted insurance by case；
Second accepts insurance upgrade unit, if possessing the square foundation for the group's declaration form accepted insurance for the insurant
The base case that the insurant possesses then is upgraded to the upgrading scheme by case in the group's declaration form accepted insurance.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages：
In the embodiment of the present invention, the base case of group's declaration form and the upgrading scheme of each insurant are obtained first；
The total premium in basis of group's declaration form is calculated according to the base case；To group's declaration form group insurer it is default
Group's account deducts the total premium in basis；The processing of accepting insurance of group's declaration form is carried out according still further to the base case；Then basis
The upgrading scheme of each insurant deducts corresponding individual to the default personal account of each insurant and should pay
Premium；Finally accept insurance on the basis of the group's declaration form accepted insurance according to the upgrading scheme of each insurant
Upgrading processing.Through the invention, it due to first calculating the total premium in basis of group's declaration form and deducting fees to group's account, then calculates
Individual should pay premium and deduct fees to personal account, realize deduct fees operation and personal account of group's account and deduct fees point of operation
From avoiding individual insurants from not paying the fees influences the case where accepting insurance of entire group；In addition, eliminating the cumbersome flow in enterprise side
Work, substantially increases the treatment effeciency that group insures.
Description of the drawings
Fig. 1 be a kind of group that provides of the embodiment of the present invention one insure processing method schematic flow diagram；
Fig. 2 be in Fig. 1 corresponding embodiments a kind of group insure processing method step S105 particular flow sheet；
Fig. 3 be a kind of group provided by Embodiment 2 of the present invention insure processing method schematic flow diagram；
Fig. 4 be a kind of group that provides of the embodiment of the present invention three insure processing device schematic block diagram；
Fig. 5 be a kind of group that provides of the embodiment of the present invention four insure processing device schematic block diagram.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
It should be appreciated that ought use in this specification and in the appended claims, the instruction of term " comprising " is described special
Sign, entirety, step, operation, the presence of element and/or component, but be not precluded one or more of the other feature, entirety, step,
Operation, element, component and/or its presence or addition gathered.
It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combinations and all possible combinations of one or more of associated item listed, and includes these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Embodiment one：
Referring to Fig. 1, be a kind of group that the embodiment of the present invention one provides insure processing method schematic flow diagram, such as scheme
Shown this method may comprise steps of：
Step S101 obtains the base case of group's declaration form and the upgrading scheme of each insurant.
Usually, insurance company can provide insurance cover with a insurance contract for several members in group, this
In the case of, the group for the behavior that insure is insurer, and the member in group is insurant, and a group is signed and issued by insurance company
Body declaration form subsidizes medical expense to insurer, for its member because disease, disability, death and leaving office retirement etc. provide, payment is comforted
Pension for the disabled or the family of the deceased and Elder Security plan.
In the present embodiment, before by the scheme of insuring needed for insurer's selection, can first it be arranged in systems for quilt
The scheme of insuring of insurer's selection, the set scheme of insuring can be divided into two classes, and one kind is basic scheme, and one kind is policy-holder
Case.
Wherein, base case refers to the scheme of insuring that insurance company is provided by insurant, and premium is insured by group
People undertakes.Insurance company can be that all insurants provide same base case, can also be according to group insurer reality
Border situation, insurant is classified, and a variety of different base cases are provided for different classes of insurant.For example, can
To classify according to the rank of insurant, the base case of different premium amounts is provided for the insurant of different stage；
For another example, it can classify according to the age of insurant, be provided suitable for its age characteristic for the insurant of different age group
Base case；For another example, it can classify according to the gender of insurant, be provided suitable for it for the insurant of different sexes
The base case of sex characteristic.
In addition, upgrading scheme refers to insurant according to self-demand, in the base case that insurance company is provided for it
On the basis of the upgrading scheme that further selects.Upgrading scheme may include one or more schemes, and each insurant is most
A kind of upgrading scheme may be selected more.Insurant can not select upgrading scheme, its base case be used only, in such case
Under, insurant is without paying premium；Insurant can also select upgrading scheme, and in this case, insurant needs
Pay selected upgrading scheme premium more increased than its base case institute.
In the present embodiment, insurance company can reserve a period and check, compare in its system for each insurant
Compared with, the various schemes of insuring that are provided of selection, after insurant carries out selection, the selection knot for submitting oneself in systems is needed
Fruit, and the Bank Account Number of typing oneself is wanted subsequently to deduct fees.The scheme of insuring that insurant submits can be that its is original
Base case can also be upgrading scheme.
If failing to get the scheme of insuring that insurant submits in systems in the given time, its submission is given tacit consent to
It is base case.Insurant may forget to select and submit the scheme of insuring in systems due to various reasons, also or its
Through being selected in systems, but final selection result is not submitted into system, in these cases, gives tacit consent to it and carry
What is handed over is base case.
Step S102 calculates the total premium in basis of group's declaration form according to the base case.
The basic premium corresponding to the base case is obtained first, it is readily appreciated that ground, because of the base of different insurants
Plinth scheme may be different, and corresponding basic premium may also can be different.
Then the basic premium corresponding to the base case of all insurants in group's declaration form is added up, i.e.,
The total premium in basis of group's declaration form can be obtained.
Step S103 deducts the total premium in basis to default group's account of the group insurer of group's declaration form.
During deducting the basis always premium, the default group's account that may be provided due to group insurer is believed
Situations such as breath mistake or insufficient account balance, leads to not successfully deduct fees, in such a case, it is possible to it is without any processing, or
Person can execute scheduled operation, for example, can send notification information gives group insurer related personnel, remind its group of verification
Whether body insurer account information correct and remaining sum whether abundance etc., can specifically be determined according to actual conditions, the present embodiment
It is not specifically limited herein.
Step S104 carries out the processing of accepting insurance of group's declaration form according to the base case.
After the total premium to account in the basis, accept insurance according to the base case of each insurant, if by insuring
People does not have base case, then the insurant does not accept insurance temporarily.
Step S105 acknowledges a debt according to the upgrading scheme of each insurant to default of each insurant
Corresponding individual is deducted at family should pay premium.
Referring to Fig. 2, in the present embodiment, further, above-mentioned steps S105 can specifically include following steps 1), 2),
3) and 4)：
1) the personal upgrading premium of corresponding each insurant is calculated according to the upgrading scheme.
It is readily appreciated that ground, because the upgrading scheme of different insurants may be different, corresponding upgrading premium may
It also can be different.
2) the personal basic premium of the corresponding base case of insurant described in group's declaration form is obtained.
It is readily appreciated that ground, because the base case of different insurants may be different, corresponding basic premium may
It also can be different.
3) individual for calculating each insurant according to the personal upgrading premium and the personal basic premium answers
Pay premium.
Usually, it is that the personal premium that upgrades subtracts the personal base that the individual of each insurant, which should pay premium,
Difference obtained by plinth premium.
If insurant also added related insurant, carried out between the insurant there are association personal
The adjustment of premium should be paid.
Specifically, the individual of the related insurant should be paid premium be added to the individual of the insurant should pay guarantor
Fei Zhong, and the individual of related insurant should be paid into premium and reset.
The related insurant may include children, spouse or parent.
4) premium should be paid by deducting the individual to the default personal account of each insurant.
During the deduction individual should pay premium, the default personal account that may be provided due to insurant is believed
Situations such as breath mistake or insufficient account balance, leads to not successfully deduct fees, in such a case, it is possible to it is without any processing, or
Person can execute scheduled operation, for example, can send notification information gives the insurant, remind whether it verifies account information
Correct and remaining sum whether abundance etc., can specifically be determined according to actual conditions, the present embodiment is not specifically limited herein.
Step S106, according to the upgrading scheme of each insurant on the basis of the group's declaration form accepted insurance
Carry out upgrading processing of accepting insurance.
It is as follows：
Judge whether the insurant possesses the base case for the group's declaration form accepted insurance；
If the insurant does not possess the base case for the group's declaration form accepted insurance, by the insurant's
Upgrading scheme is added in the group's declaration form accepted insurance；
If the insurant possesses the base case for the group's declaration form accepted insurance, the insurant is possessed
Base case upgrade to the upgrading scheme in the group's declaration form accepted insurance.
In the present embodiment, the base case of group's declaration form and the upgrading scheme of each insurant are obtained first；According to
The base case calculates the total premium in basis of group's declaration form；To the default group of the group insurer of group's declaration form
Account deducts the total premium in basis；The processing of accepting insurance of group's declaration form is carried out according still further to the base case；Then according to each
The upgrading scheme of insurant deducts corresponding individual to the default personal account of each insurant should pay premium；
Finally upgrading of accepting insurance is carried out on the basis of the group's declaration form accepted insurance according to the upgrading scheme of each insurant
Processing.Through this embodiment, it due to first calculating the total premium in basis of group's declaration form and deducting fees to group's account, then calculates
People should pay premium and deduct fees to personal account, realize deduct fees operation and personal account of group's account and deduct fees point of operation
From avoiding individual insurants from not paying the fees influences the case where accepting insurance of entire group；In addition, eliminating the cumbersome flow in enterprise side
Work, substantially increases the treatment effeciency that group insures.
Embodiment two：
Referring to Fig. 3, be a kind of group provided by Embodiment 2 of the present invention insure processing method schematic flow diagram, such as scheme
Shown this method may comprise steps of：
Step S301 obtains the base case of group's declaration form and the upgrading scheme of each insurant.
Step S302 judges whether the base case of group's declaration form is not empty, if it is not, S303 is thened follow the steps, if
It is to then follow the steps S305.
Step S303 calculates the total premium in basis of group's declaration form according to the base case.
Step S304 deducts the total premium in basis to default group's account of the group insurer of group's declaration form.
Step S305 carries out the processing of accepting insurance of group's declaration form according to the base case.
Step S306 acknowledges a debt according to the upgrading scheme of each insurant to default of each insurant
Corresponding individual is deducted at family should pay premium；
Step S307, according to the upgrading scheme of each insurant on the basis of the group's declaration form accepted insurance
Carry out upgrading processing of accepting insurance.
In the present embodiment, step S301 is identical as the step S101 of embodiment one, the step of step S303 and embodiment one
Rapid S102 is identical, and step S304 is identical as the step S103 of embodiment one, and step S306 is identical as the step S105 of embodiment one,
Step S307 is identical as the step S106 of embodiment one, specifically refers to the description in embodiment one, details are not described herein.
In step S305, if existence foundation scheme in group's declaration form, the step of step S305 and embodiment one
S104 is identical, specifically refers to the description in embodiment one, details are not described herein；If the base case of group's declaration form is
Sky is then accepted insurance an empty declaration form for group's declaration form.Insurant can carry out the choosing of upgrading scheme on this empty declaration form
It selects, after selecting upgrading scheme, you can accept insurance according to upgrading scheme on the basis of empty declaration form.
Embodiment three：
Referring to Fig. 4, be a kind of group that the embodiment of the present invention three provides insure processing device schematic block diagram, such as figure institute
Show that the device may include：
Scheme acquisition module 401, the upgrading scheme of base case and each insurant for obtaining group's declaration form；
Basic total premium computing module 402, the basic total security for calculating group's declaration form according to the base case
Take；
Group's account is deducted fees module 403, and default group's account for the group insurer to group's declaration form deducts
The total premium in basis；
Module of accepting insurance 404, the processing of accepting insurance for carrying out group's declaration form according to the base case；
Personal account is deducted fees module 405, for each being protected to described according to the upgrading scheme of each insurant
The default personal account of dangerous people, which deducts corresponding individual, should pay premium；
It accepts insurance upgraded module 406, for the upgrading scheme according to each insurant in the group to have accepted insurance
Upgrading processing of accepting insurance is carried out on the basis of declaration form.
Example IV：
Referring to Fig. 5, be a kind of group that the embodiment of the present invention four provides insure processing device schematic block diagram, such as figure institute
Show that the device may include：
Scheme acquisition module 501, the upgrading scheme of base case and each insurant for obtaining group's declaration form；
Empty declaration form judgment module 502, for judging whether the base case of group's declaration form is sky.
Trigger module 503, if the judging result for the empty declaration form judgment module 502 is yes, directly described in triggering
Module of accepting insurance 506.
Basic total premium computing module 504, the basic total security for calculating group's declaration form according to the base case
Take；
Group's account is deducted fees module 505, and default group's account for the group insurer to group's declaration form deducts
The total premium in basis；
Module of accepting insurance 506, the processing of accepting insurance for carrying out group's declaration form according to the base case；
Personal account is deducted fees module 507, for each being protected to described according to the upgrading scheme of each insurant
The default personal account of dangerous people, which deducts corresponding individual, should pay premium；
It accepts insurance upgraded module 508, for the upgrading scheme according to each insurant in the group to have accepted insurance
Upgrading processing of accepting insurance is carried out on the basis of declaration form.
Further, the module 506 of accepting insurance may include that sky declaration form is accepted insurance unit 5061, if being used for group's declaration form
Base case be sky, then accept insurance sky declaration form for group's declaration form.
Further, personal account module 507 of deducting fees may include：
Individual's upgrading premium computing unit 5071, for calculating corresponding each insurant according to the upgrading scheme
Personal upgrading premium；
Personal basic premium acquiring unit 5072, for obtaining the corresponding basis of insurant described in group's declaration form
The personal basic premium of scheme；
Individual should pay premium computing unit 5073, based on according to the personal upgrading premium and the personal basic premium
The individual for calculating each insurant should pay premium；
It deducts fees unit 5074, guarantor should be paid for deducting the individual to the default personal account of each insurant
Take.
Further, the upgraded module 508 of accepting insurance includes：
Base case judging unit 5081, for judging whether the insurant possesses the group's declaration form accepted insurance
Base case；
First accepts insurance upgrade unit 5082, if not possessing the base for the group's declaration form accepted insurance for the insurant
The upgrading scheme of the insurant is then added in the group's declaration form accepted insurance by plinth scheme；
Second accepts insurance upgrade unit 5083, if possessing the basis for the group's declaration form accepted insurance for the insurant
The base case that the insurant possesses then is upgraded to the upgrading side by scheme in the group's declaration form accepted insurance
Case.
Those of ordinary skill in the art may realize that moulds described in conjunction with the examples disclosed in the embodiments of the present disclosure
Block and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, depend on the specific application and design constraint of technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In embodiment provided by the present invention, it should be understood that disclosed device and method can pass through others
Mode is realized.For example, the apparatus embodiments described above are merely exemplary, for example, the division of the module or unit,
Only a kind of division of logic function, formula that in actual implementation, there may be another division manner, such as multiple units or component can be with
In conjunction with or be desirably integrated into another system, or some features can be ignored or not executed.Another point, it is shown or discussed
Mutual coupling or direct-coupling or communication connection can be by some interfaces, the INDIRECT COUPLING of device or unit or
Communication connection can be electrical, machinery or other forms.
The unit illustrated as separating component may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, you can be located at a place, or may be distributed over multiple
In network element.Some or all of unit therein can be selected according to the actual needs to realize the mesh of this embodiment scheme
's.
In addition, each function module in each embodiment of the present invention can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, the technical solution of the embodiment of the present invention
Substantially all or part of the part that contributes to existing technology or the technical solution can be with software product in other words
Form embody, which is stored in a storage medium, including some instructions use so that one
Computer equipment (can be personal computer, server or the network equipment etc.) or processor (processor) execute this hair
The all or part of step of bright each embodiment the method for embodiment.And storage medium above-mentioned includes：USB flash disk, mobile hard disk,
Read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic
The various media that can store program code such as dish or CD.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although with reference to aforementioned reality
Applying example, invention is explained in detail, it will be understood by those of ordinary skill in the art that：It still can be to aforementioned each
Technical solution recorded in embodiment is modified or equivalent replacement of some of the technical features；And these are changed
Or it replaces, the spirit and model of each embodiment technical solution of the embodiment of the present invention that it does not separate the essence of the corresponding technical solution
It encloses.
Claims (10)
- A kind of method of processing 1. group insures, which is characterized in that including：Obtain the base case of group's declaration form and the upgrading scheme of each insurant；The total premium in basis of group's declaration form is calculated according to the base case；The total premium in basis is deducted to default group's account of the group insurer of group's declaration form；The processing of accepting insurance of group's declaration form is carried out according to the base case；It is corresponding to the default personal account of each insurant deduction according to the upgrading scheme of each insurant Individual should pay premium；According to the upgrading scheme of each insurant upgrading of accepting insurance is carried out on the basis of the group's declaration form accepted insurance Processing.
- The method of processing 2. group according to claim 1 insures, which is characterized in that described according to each insurant's The upgrading scheme should pay premium to the corresponding individual of the default personal account of each insurant deduction：The personal upgrading premium of corresponding each insurant is calculated according to the upgrading scheme；Obtain the personal basic premium of the corresponding base case of insurant described in group's declaration form；The individual for calculating each insurant according to the personal upgrading premium and the personal basic premium should pay premium；Premium should be paid by deducting the individual to the default personal account of each insurant.
- The method of processing 3. group according to claim 1 insures, which is characterized in that it is described according to the base case into The processing of accepting insurance of row group declaration form specifically includes：If the base case of group's declaration form is sky, accept insurance sky declaration form for group's declaration form.
- The method of processing 4. group according to claim 3 insures, which is characterized in that in the square foundation for obtaining group's declaration form After case, further include：Judge whether the base case of group's declaration form is sky；If the base case of group's declaration form is sky, directly execute described according to base case progress group declaration form Accept insurance processing the step of.
- The method of processing 5. group according to any one of claim 1 to 4 insures, which is characterized in that described according to institute The upgrading scheme upgrading processing that carries out accepting insurance on the basis of the group's declaration form accepted insurance for stating each insurant includes：Judge whether the insurant possesses the base case for the group's declaration form accepted insurance；If the insurant does not possess the base case for the group's declaration form accepted insurance, by the upgrading of the insurant Scheme is added in the group's declaration form accepted insurance；If the insurant possesses the base case for the group's declaration form accepted insurance, the base that the insurant is possessed Plinth scheme upgrades to the upgrading scheme in the group's declaration form accepted insurance.
- The device of processing 6. a kind of group insures, which is characterized in that including：Scheme acquisition module, the upgrading scheme of base case and each insurant for obtaining group's declaration form；Basic total premium computing module, the total premium in basis for calculating group's declaration form according to the base case；Group's account is deducted fees module, and default group's account for the group insurer to group's declaration form deducts the basis Total premium；It accepts insurance module, the processing of accepting insurance for carrying out group's declaration form according to the base case；Personal account is deducted fees module, for according to the upgrading scheme of each insurant to the pre- of each insurant If personal account, which deducts corresponding individual, should pay premium；Accept insurance upgraded module, for the upgrading scheme according to each insurant the group's declaration form accepted insurance base Upgrading processing of accepting insurance is carried out on plinth.
- The device of processing 7. group according to claim 6 insures, which is characterized in that the personal account is deducted fees module packet It includes：Individual's upgrading premium computing unit rises for calculating the personal of corresponding each insurant according to the upgrading scheme Grade premium；Personal basic premium acquiring unit, for obtaining the corresponding base case of insurant described in group's declaration form People's basic premium；Individual should pay premium computing unit, described each for being calculated according to the personal upgrading premium and the personal basic premium The individual of a insurant should pay premium；It deducts fees unit, premium should be paid for deducting the individual to the default personal account of each insurant.
- The device of processing 8. group according to claim 6 insures, which is characterized in that the module of accepting insurance includes：Empty declaration form is accepted insurance unit, if the base case for group's declaration form is sky, is accepted insurance sky for group's declaration form Declaration form.
- The device of processing 9. group according to claim 8 insures, which is characterized in that further include：Empty declaration form judgment module, for judging whether the base case of group's declaration form is sky；Trigger module, if the judging result for the empty declaration form judgment module is yes, module of directly accepting insurance described in triggering.
- The device of processing 10. the group according to any one of claim 6 to 9 insures, which is characterized in that the liter of accepting insurance Grade module include：Base case judging unit, for judging whether the insurant possesses the square foundation for the group's declaration form accepted insurance Case；First accepts insurance upgrade unit, if not possessing the base case for the group's declaration form accepted insurance for the insurant, Then the upgrading scheme of the insurant is added in the group's declaration form accepted insurance；Second accepts insurance upgrade unit, if possessing the base case for the group's declaration form accepted insurance for the insurant, The base case that the insurant possesses is upgraded into the upgrading scheme in the group's declaration form accepted insurance.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710083467.0A CN108428180A (en) | 2017-02-16 | 2017-02-16 | A kind of group insures the method and apparatus of processing |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201710083467.0A CN108428180A (en) | 2017-02-16 | 2017-02-16 | A kind of group insures the method and apparatus of processing |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109978702A (en) * | 2019-04-18 | 2019-07-05 | 太平洋医疗健康管理有限公司 | Serious disease Commercial supplementary medical insurance loss ratio analysis method and system |
| CN111047277A (en) * | 2019-11-19 | 2020-04-21 | 泰康保险集团股份有限公司 | Underwriting system, method, apparatus, and computer-readable medium |
-
2017
- 2017-02-16 CN CN201710083467.0A patent/CN108428180A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109978702A (en) * | 2019-04-18 | 2019-07-05 | 太平洋医疗健康管理有限公司 | Serious disease Commercial supplementary medical insurance loss ratio analysis method and system |
| CN111047277A (en) * | 2019-11-19 | 2020-04-21 | 泰康保险集团股份有限公司 | Underwriting system, method, apparatus, and computer-readable medium |
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