CN110782227A

CN110782227A - Insurance process management method and device, electronic equipment and storage medium

Info

Publication number: CN110782227A
Application number: CN201911017524.0A
Authority: CN
Inventors: 吉伟
Original assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Priority date: 2019-10-24
Filing date: 2019-10-24
Publication date: 2020-02-11

Abstract

The present disclosure provides an application process management method, an application process management device, an electronic device and a computer readable storage medium, which relate to the technical field of communication, and the method comprises the following steps: responding an application request of a policy to be applied, and judging whether the policy to be applied meets the application condition; when the policy to be applied does not meet the application conditions, performing first manual examination and verification on the policy to be applied, and determining the underwriting data to be supplemented; generating a process notice based on the underwriting data to be supplemented, and sending the process notice to the client and the agent system; and receiving the underwriting data, performing secondary manual examination on the insurance policy to be applied when the underwriting data is completely supplemented, and signing after the examination is passed. According to the method, on one hand, the online and offline interaction degree is deepened, and the timeliness of process object transfer is improved; on the other hand, the notice is sent to the client and the agent system at the same time, so that the transparency and the application efficiency of the application process are improved.

Description

Insurance process management method and device, electronic equipment and storage medium

Technical Field

The present disclosure relates to the field of communications technologies, and in particular, to an insurance process management method, an insurance process management apparatus, an electronic device, and a computer-readable storage medium.

Background

With the enhancement of the public insurance awareness, more and more customers buy insurance, and the policy volume signed by popular insurance products at the same time shows a rapid growth trend.

The insurance process usually comprises the steps of manual insurance verification, insurance policy issuing, insurance policy printing, sending, signing, and the like. The underwriting data of the manual underwriting link needs to be collected outside the system and manually confirmed, and in the process of forwarding and transmitting the underwriting data, due to untimely information transmission, or more involved personnel and complex flow, delay is inevitable, so that the timeliness of application and the customer experience satisfaction are reduced.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

The disclosure aims to provide an insurance process management method, an insurance process management device, electronic equipment and a computer readable storage medium, so as to improve the transparency and the insurance efficiency of an insurance process.

Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.

According to an aspect of the present disclosure, there is provided an insurance process management method including:

responding an application request of an insurance policy to be applied, and judging whether the insurance policy to be applied meets application conditions;

when the insurance policy to be applied does not meet the application conditions, performing first manual examination and verification on the insurance policy to be applied, and determining the underwriting data to be supplemented;

generating a process notice based on the underwriting data to be supplemented, and sending the process notice to a client and an agent system;

and receiving the underwriting data, performing secondary manual examination on the insurance policy to be applied when the underwriting data is completely supplemented, and signing after the examination is passed.

In an exemplary embodiment of the present disclosure, the application process management method further includes:

and sending the supplementary data prompt to the client while sending the process notice to the client and the agent system.

In an exemplary embodiment of the disclosure, the receiving the underwriting material includes:

and receiving the underwriting data uploaded from the client.

In an exemplary embodiment of the disclosure, the underwriting data supplement comprises:

the number of the received underwriting materials is equal to the number of the underwriting materials to be supplemented.

In an exemplary embodiment of the present disclosure, the procedure notice includes a supplementary material notice, a survey notice, a physical examination notice, and a guardian informed notice.

performing secondary manual examination on the insurance policy to be applied and generating an examination result;

informing the client and the agent system of the auditing result;

and the auditing result comprises auditing passing and a guarantee refusal delay.

and after the insurance policy to be applied finishes signing and the policy is printed out, synchronizing the printing data of the insurance policy to a database.

According to a second aspect of the present disclosure, there is provided an application process management apparatus, comprising:

the insurance policy automatic auditing module is used for responding to an insurance application request of an insurance policy to be applied and judging whether the insurance policy to be applied meets the insurance application condition;

the first manual auditing module is used for carrying out first manual auditing on the insurance policy to be applied when the insurance policy to be applied does not meet the application condition, and determining the underwriting data to be supplemented;

the notice sending module is used for generating a process notice based on the underwriting data to be supplemented and sending the process notice to the client and the agent system;

and the secondary manual auditing module is used for receiving the underwriting data, carrying out secondary manual auditing on the insurance policy to be applied when the underwriting data is completely supplemented, and signing after the auditing is passed.

According to a third aspect of the present disclosure, there is provided an electronic device comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform any of the above-described application process management methods via execution of the executable instructions.

According to a fourth aspect of the present disclosure, there is provided a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the application process management method of any one of the above.

The application process management method, the application process management device, the electronic device, and the computer-readable storage medium according to the exemplary embodiment can send the underwriting data to be supplemented to the client and the agent system in the form of a process notice in a manual underwriting link in the application process, and manually review the policy again when the underwriting data is completely supplemented.

On one hand, the traditional offline manual check and protection, manual delivery and supplement data notification and manual data supply are replaced by an online process notice book for generating and delivering supplement data, online upload data and the like, so that the online and offline interaction degree is deepened, and the timeliness of process object delivery is improved; on the other hand, the notice is sent to the client and simultaneously sent to the agent system, so that the agent can know the insurance policy application state at the first time, and the transparency of the insurance application process is improved; and the agent is convenient to remind the client of data supplement for the second time, so that the insurance application efficiency is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty.

FIG. 1 is a diagram illustrating an exemplary system architecture to which an application process management method and apparatus of embodiments of the present disclosure may be applied;

FIG. 2 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device used to implement embodiments of the present disclosure;

FIG. 3 schematically illustrates a flow diagram of an application process management method according to one embodiment of the present disclosure;

FIG. 4 is a flow chart schematically illustrating an application process in the related art;

FIG. 5 schematically shows a flow diagram of an application process according to one embodiment of the present disclosure;

fig. 6 shows a block diagram of an application process management apparatus in an exemplary embodiment of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and the like. In other instances, well-known technical solutions have not been shown or described in detail to avoid obscuring aspects of the present disclosure.

Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

Fig. 1 is a schematic diagram illustrating an exemplary system architecture to which an application process management method and apparatus according to an embodiment of the present disclosure may be applied.

As shown in fig. 1, the system architecture 100 may include one or more of

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few. The

terminal devices

101, 102, 103 may be various electronic devices having a display screen, including but not limited to desktop computers, portable computers, smart phones, tablet computers, and the like. It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation. For example, server 105 may be a server cluster comprised of multiple servers, or the like.

The application process management method provided by the embodiment of the present disclosure is generally executed by the server 105, and accordingly, the application process management device is generally disposed in the server 105. However, it is easily understood by those skilled in the art that the application process management method provided in the embodiment of the present disclosure may also be executed by the

terminal devices

101, 102, and 103, and accordingly, the application process management device may also be disposed in the

terminal devices

101, 102, and 103, which is not particularly limited in this exemplary embodiment.

FIG. 2 illustrates a schematic structural diagram of a computer system suitable for use in implementing the electronic device of an embodiment of the present disclosure.

It should be noted that the computer system 200 of the electronic device shown in fig. 2 is only an example, and should not bring any limitation to the functions and the scope of the application of the embodiments of the present disclosure.

As shown in fig. 2, the computer system 200 includes a Central Processing Unit (CPU)201 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)202 or a program loaded from a storage section 208 into a Random Access Memory (RAM) 203. In the RAM 203, various programs and data necessary for system operation are also stored. The CPU201, ROM 202, and RAM 203 are connected to each other via a bus 204. An input/output (I/O) interface 205 is also connected to bus 204.

The following components are connected to the I/O interface 205: an input portion 206 including a keyboard, a mouse, and the like; an output section 207 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 208 including a hard disk and the like; and a communication section 209 including a network interface card such as a LAN card, a modem, or the like. The communication section 209 performs communication processing via a network such as the internet. A drive 210 is also connected to the I/O interface 205 as needed. A removable medium 211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 210 as necessary, so that a computer program read out therefrom is mounted into the storage section 208 as necessary.

In particular, the processes described below with reference to the flowcharts may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 209 and/or installed from the removable medium 211. The computer program, when executed by a Central Processing Unit (CPU)201, performs various functions defined in the methods and apparatus of the present application.

It should be noted that the computer readable media shown in the present disclosure may be computer readable signal media or computer readable storage media or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present disclosure may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.

As another aspect, the present application also provides a computer-readable storage medium, which may be included in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer-readable storage medium carries one or more programs which, when executed by an electronic device, cause the electronic device to implement the method as described in the embodiments below. For example, the electronic device may implement the steps shown in fig. 3 to 6, and the like.

In the related art, referring to fig. 4, a total process of selling insurance can involve a policy sale system facing a client, a core business system facing a worker (e.g., a medical insurance manager for manual insurance), an agent system facing an insurance agent, a central system and a centralized printing system, and the like. Wherein, the whole process of selling an insurance can comprise the following steps:

step S411, the client starts the insurance application process through the insurance sales client or the webpage;

step S412, the client initiates an application request;

step S421, the central station system judges whether the self-core passes through, and enters step S431 after the self-core passes through;

step S431, carrying out manual underwriting in a core service system;

step S432, manually judging whether a risk exists outside the system, and entering step S433 after judging that the risk exists, or entering step S441 after judging that no risk exists;

step S433, manually providing data, wherein during the period, manual notification is needed, a process notice is transferred to the client, and the client is waited for supplementing the data and manually uploading the data;

step S434, after the data is completed, the manual underwriting is performed again;

step S441-S442, after passing the underwriting, charging and signing;

steps S451-S452, the insurance policy printing is carried out in the centralized printing system, and the insurance policy is sent;

step S461, sending a receipt to the core service system, and reimbursing the task.

Through the steps, it can be seen that in the manual underwriting link in the core business system, many process objects (such as process notice) are collected and manually filled out from the system, and multiple times of communication and confirmation between the process objects and clients are required, so that timeliness is reduced and client experience is influenced.

In addition, from order submission of a sales system, manual approval of a core service system, issuance of a security policy to a central system, printing of a centralized printing system to final sending and receipt, because order information exists in the central system and data after approval exists in the core service system and data of the systems cannot be communicated, each system forms an isolated island of data information, information cannot be shared, and further transparency of management in an application process is influenced.

The technical solution of the embodiment of the present disclosure is explained in detail below:

the present exemplary embodiment first provides an application process management method. The application process management method may be applied to the server 105, and may also be applied to one or more of the

terminal devices

101, 102, and 103, which is not particularly limited in this exemplary embodiment. Referring to fig. 3, the application process management method may include the steps of:

s310, responding an application request of an insurance policy to be applied and judging whether the insurance policy to be applied meets application conditions;

s320, when the insurance policy to be applied does not meet the application conditions, performing first manual examination and verification on the insurance policy to be applied, and determining the underwriting data to be supplemented;

s330, generating a process notice based on the underwriting data to be supplemented, and sending the process notice to a client and an agent system;

and S340, receiving the underwriting data, performing secondary manual examination and verification on the insurance policy to be applied when the underwriting data is completely supplemented, and signing after the examination and verification are passed.

Next, the above steps of the present exemplary embodiment will be described in more detail with reference to fig. 3 and 5.

In step S310, in response to an application request of a policy to be applied, it is determined whether the policy to be applied satisfies an application condition.

In this exemplary embodiment, referring to fig. 5, the method for managing an application process may first include the following steps: step S511, the client starts the insurance process through the insurance sales client or the insurance policy sales system such as the web page; step S512, after the client selects the insurance product and fills in the relevant information, the client initiates an insurance application request.

In step S521, it is determined whether or not the self-core passes, and if the self-core does not pass, the process proceeds to step S531. In detail, the core service system may include a central station system, and the central station system may first determine whether the policy to be applied satisfies the application rule of the corresponding insurance product.

In detail, most of the policy filling formats are structured formats, and accordingly, policy data filled by the client is naturally structured data. For example, the filling information of the policy may include: basic information of insured life (name, gender, age, income, marital status, nationality, occupation type, academic calendar, etc.); selecting related parameters (basic premium, standard premium, stage payment premium, total payment period, payment duration, guarantee year, guarantee at most years, relation of invested insured persons and the like) of the insured product to be insured; and health status, property status, etc. of the insured life.

The application rules of the insurance product may include: corresponding to each filling item of the insurance policy, corresponding insurance application conditions are preset in the system, such as the age range, income range and health condition of the insured person, and the condition of excluding the diagnosed disease.

Therefore, the system can judge whether the insurance policy to be applied meets the application rule or not based on the preset application rule of the insurance product and combined with the structured insurance policy data filled by the client. And when the insurance policy to be applied meets the application condition, the policy is directly released, and subsequent steps of charging, signing, printing and the like are carried out. Otherwise, the process proceeds to step S320.

Step S320, when the insurance policy to be applied does not meet the application condition, performing first manual examination and verification on the insurance policy to be applied, and determining the underwriting data to be supplemented;

and when the policy to be applied is judged not to meet the application condition, entering a manual checking step.

And step S531, carrying out manual review on the insurance policy to be applied. If the verification is passed through the manual verification, the verification can be directly released, and subsequent steps of charging, signing, printing and the like are carried out. If the information is not approved by manual examination, the underwriter can determine the underwriting data which needs to be supplemented according to the conditions of the policy and the insured life. It should be added that the manual review here is located in the core business system.

Step S330, generating a process notice based on the underwriting data to be supplemented, and sending the process notice to the client and the agent system.

In the present exemplary embodiment, referring to step S532, at the core business system, the underwriting personnel may form a process notice based on underwriting materials to be supplemented. The process notice can include four categories, such as supplementary material notice, survey notice, physical examination notice, and guardian notice.

Further, referring to step S5331, the core service system may send the process notice to the central station system in a batch processing manner, and the central station system may forward the process notice to the client, i.e., the policy sales system, and further, in order to enhance the prompt to the client, so that the client can log in the client to check the process notice in time, and can also send the supplementary data prompt to the client at the same time, and display the prompt in the notification center of the mobile phone where the client is located; or sending the information to the mobile phone where the client is located in a short message reminding mode.

Referring to step S5332, the central station system can forward the process notice to the agent system while forwarding the process notice to the client, so that the agent can know the insurance policy insurance state at the first time, thereby improving the transparency of the insurance process; and the agent is convenient to remind the client of data supplement for the second time, so that the insurance application efficiency is improved.

In this exemplary embodiment, the client can prepare the underwriting material according to the underwriting material described in the process notice and requiring replenishment. Referring to step S5341, the client can upload the prepared underwriting data through the policy sales system. Referring to step S5342, the client can also upload the prepared underwriting data through the core service system.

Meanwhile, no matter from which side, the information such as the uploaded data is put into the message queue. And only one message queue is established, and can be monitored by the insurance policy sales system, the core system and the middle station system at the same time, forming a mode of monitoring queue 1 and queue 3.

Referring to step S535, the middle station system determines whether the client' S underwriting data is completely supplemented according to the monitoring result, that is, when the number of the received underwriting data is equal to the number of the underwriting data to be supplemented, the underwriting status is to be checked, and step S536 is performed.

And when the quantity of the received underwriting data is less than the quantity of the underwriting data to be supplemented, the underwriting state is the data to be uploaded, and the system continues to wait for the customer to supplement the data.

Referring to step S536, after receiving the complete insurance application data, performing a second manual audit on the policy to be insured and generating an audit result; the audit results may be communicated to the client and agent systems in the form of decision notifications.

The core business system can send the decision notice to the middle platform system in a batch processing mode, and the middle platform system can forward the decision notice to the client, namely a policy sales system, in addition, in order to strengthen the prompt to the client, so that the client can log in the client to check the decision notice in time, and can also send the decision notice to the client and display the notice in a notice center of a mobile phone where the client is located; or sending the information to the mobile phone where the client is located in a short message reminding mode.

The audit result may include audit pass and delay of refusal to guarantee. The approval pass may include acceptance and insurance without additional conditions, and acceptance and insurance with additional conditions, wherein the additional conditions may include charging, removing liability, derating and the like.

In addition, after the secondary manual review of the policy to be applied may not be passed, the underwriter may determine the underwriting data to be supplemented again according to the conditions of the policy and the insured person. And steps S532-S536 are repeated.

Referring to steps S541 and S542, after the audit is passed, the central station system may charge and sign a bill with the customer.

Referring to steps S551 and S552, after the contract is completed for the policy to be applied, printing is performed. And sends the insurance policy to the branch company after printing the policy.

In this example embodiment, the print data of the policy may be synchronized to the database after the policy is printed. In detail, in the related art, there is no system record of the past policy after printing the policy. In order to synchronize the printing data state of the insurance policy after the policy is printed out in a centralized manner in time, a synchronization table can be established in the printing front-end processor, and the printing data can be stored in the synchronization table after the policy is printed in a centralized manner. In addition, the core business system can also scan the table in a batch processing mode, scan once every certain time (for example, every day), and synchronize the printing data of the policy to the database.

The synchronization table structure is shown in table 1. Wherein Primary is the Primary key, nullable is "can be null", and X is "can not be null".

Name

Code

Data Type

Length

Precision

Primary

nullable

Serial number

SerialNo

NUMERIC(10)

10

X

Express bill number

CourierNo

VARchar(20)

20

X

Express company

CourierCom

VARchar(50)

50

X

Single number

ContNo

VARchar(20)

20

X

Code of sending-out mechanism

SendManageCode

VARchar(10)

10

X

Name of sending-out mechanism

SendManageName

VARchar(50)

50

X

Addressee organization code

RevManageComCode

VARchar(10)

10

X

Date of posting

SendDate

DATE

X

Sending time

SendTime

VARchar(8)

8

X

Synchronization status

GetFlag

VARchar(1)

1

X

Type of printing

PrintFlag

VARchar(1)

1

X

TABLE 1

In step S561, the branch company receives the sent policy, signs the policy, and sends the policy to the central office again; or the middle branch organization signs in directly.

In step S562, a reception link is reserved. When making a reservation, the agent or the client manager confirms the scope of the policy which the agent system wants to receive, specifically details the date and time, and can call an interface of the core system to generate a reservation verification code. When the policy is used, the agent or the client manager receives the policy in the branch company or the middle branch organization, checks the policy according to the entered employee number and the reservation verification code, and receives the policy after the checking is finished.

In step S563, the agent or customer manager hands the policy to the customer, who signs a receipt.

In step S564, the receipt is returned to the core business system, and the policy is reimbursed in the system.

In the following, the process of purchasing a policy by a customer is exemplified by the method for managing the application process provided by the present disclosure:

the customer requests a purchase of a policy, contacts the customer manager to purchase several products in the policy sales system under the guidance of the policy, and submits an order.

The self-checking rule is not passed, the personal manual check and protection are carried out, the check and protection engineer issues a process notice (physical examination notice) according to the information of the insurance policy of the insured, the internal service check and protection engineer receives the information prompt at the mall while issuing the process notice, and the agent system receives the information prompt and notifies the user to supplement the materials.

After physical examination, the client uploads the physical examination result to the insurance policy sale system, and the underwriter audits the uploaded physical examination ticket and completes underwriting confirmation work. After confirmation, a user pays for the insurance policy to complete the insurance policy signing, and the system background pushes insurance policy data to the centralized printing platform.

The printing platform prints the policy and sends the policy to the branch office. The branch company receives the insurance policy on the internal service, and sends the insurance policy to the middle branch company for the second time. The medium company will have a second sign-on. The client manager can reserve and receive the insurance policy in the agent system, and the reserved content comprises time and the insurance policy number to be received.

The insurance policy is received by a middle branch organization in the appointed time, and is sent to Zhang and receives the receipt.

The insurance process management method provided by the disclosure can establish a transparent insurance management process, and the state of the insurance policy can be seen at a client, a client manager and an operation terminal. On one hand, the traditional offline manual check and protection, manual delivery and supplement data notification and manual data supply are replaced by an online process notice book for generating and delivering supplement data, online upload data and the like, so that the online and offline interaction degree is deepened, and the timeliness of process object delivery is improved; on the other hand, the notice is sent to the client and simultaneously sent to the agent system, so that the agent can know the insurance policy application state at the first time, and the transparency of the insurance application process is improved; and the agent is convenient to remind the client of data supplement for the second time, so that the insurance application efficiency is improved.

Fig. 6 schematically shows a block diagram of an application process management apparatus in an exemplary embodiment of the present disclosure.

The present disclosure also provides an application process management device 600. As shown in fig. 6, the application process management device 600 may include:

the system comprises a 610 insurance policy automatic auditing module, a policy issuing module and a policy monitoring module, wherein the 610 insurance policy automatic auditing module is used for responding an insurance application request of an insurance policy to be applied and judging whether the insurance policy to be applied meets the insurance application condition;

the 620 first manual review module is used for performing first manual review on the insurance policy to be insured and determining the underwriting data to be supplemented when the insurance policy to be insured does not meet the insuring conditions;

a 630 notice sending module, configured to generate a process notice based on the underwriting data to be supplemented, and send the process notice to the client and the agent system;

and the secondary manual auditing module 640 is used for receiving the underwriting data, performing secondary manual auditing on the insurance policy to be applied when the underwriting data is completely supplemented, and signing after the auditing is passed.

It should be noted that, the details of each module in the application process management apparatus have been described in detail in the corresponding application process management method, and therefore are not described herein again.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is to be limited only by the terms of the appended claims.

Claims

1. An application process management method, comprising:

2. The application process management method according to claim 1, further comprising:

3. The application process management method of claim 1, wherein the receiving the underwriting material comprises:

and receiving the underwriting data uploaded from the client.

4. The application process management method of claim 1, wherein the integrity of the underwriting data supplement comprises:

5. The insurance process management method according to any one of claims 1 to 4, wherein the process notice includes supplementary material notice, survey notice, physical examination notice, and guardian notice.

6. The application process management method according to claim 5, further comprising:

informing the client and the agent system of the auditing result;

7. The application process management method according to claim 6, further comprising:

8. An application process management device, comprising:

9. An electronic device, comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the application process management method of any one of claims 1-7 via execution of the executable instructions.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the application process management method according to any one of claims 1 to 7.