CN113436025A - Insurance application system and insurance application method of non-standard insurance policy - Google Patents
Insurance application system and insurance application method of non-standard insurance policy Download PDFInfo
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- CN113436025A CN113436025A CN202110539171.1A CN202110539171A CN113436025A CN 113436025 A CN113436025 A CN 113436025A CN 202110539171 A CN202110539171 A CN 202110539171A CN 113436025 A CN113436025 A CN 113436025A
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Abstract
The invention discloses a system and a method for applying a non-standard insurance policy, which comprises the following modules: (1) and an insurance information issuing module: the system is used for inputting the application information of an application client by a salesman; (2) price inquiring module: the system comprises a platform, a module for issuing application information and a server, wherein the platform is used for transmitting the application information of the module for issuing the application information to the platform; (3) a platform display module: the system is used for receiving the insurance information and transmitting the insurance information to each insurance company; (4) a multi-toast scheme and quotation module: receiving the insurance information by each insurance company, designing an insurance scheme and quotation, and transmitting the insurance scheme and quotation to the platform; (5) a scheme selection module: the system is used for receiving the insurance schemes and quotations of each insurance company by the service staff, forming the insurance policy after the insurance policy is selected by the insurance client, and transmitting the insurance policy to the platform. The invention can effectively improve the insurance passing rate and the insurance efficiency of the non-standard insurance policy, reduce the workload of the business officers and the insurance companies, improve the task load of the business officers and improve the insurance policy load of the insurance companies.
Description
Technical Field
The invention relates to an application system and an application method, in particular to an application system and an application method of a non-standard insurance policy.
Background
The nonstandard insurance policy means that the applicant does not reach the insurance standard for some reason, and the insurer adopts a method of increasing premium to sign a contract or directly refuse to guarantee. When a non-standard body applies insurance for insurance, processes such as price inquiry, auditing and the like are required, and the following results are usually obtained: normal underwriting, refusal insurance, charging underwriting, agreement underwriting, delay underwriting and the like. Therefore, the insurance application process of the non-standard insurance application is more complicated and time-consuming, the insurance application difficulty of the applicant is increased, and the smooth development of related businesses of insurance companies is not facilitated.
Because the non-standard insurance of the insurance application has non-standard property, the information of different insurance appliers is different, so that a large amount of information cannot be copied, and only one-to-one service can be performed. Moreover, the different insurance company has different insurance looseness due to different standards of risk control; that is, some insurance companies will pass the audit and some will not pass the same insurance policy; also, the pricing schemes may be different for different insurance companies. If the operator communicating directly with the insurer only docks with a certain insurance company, it may cause the insurer to fail to apply insurance or the insurance company may not find a suitable non-standard insurance applicant. Therefore, it is necessary to design an insurance application system capable of interfacing with different operators and different insurance companies to ensure that the nonstandard business is normally performed.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a non-standard insurance policy application system for butting different salesmen and different insurance companies; the invention also provides a non-standard insurance policy application method.
In order to solve the technical problem, the system of the invention comprises the following modules:
(1) and an insurance information issuing module: the system is used for inputting the application information of an application client by a salesman;
(2) price inquiring module: the system comprises a platform, a module for issuing application information and a server, wherein the platform is used for transmitting the application information of the module for issuing the application information to the platform;
(3) a platform display module: the system is used for receiving the insurance information and transmitting the insurance information to each insurance company;
(4) a multi-toast scheme and quotation module: receiving the insurance information by each insurance company, designing an insurance scheme and quotation, and transmitting the insurance scheme and quotation to the platform;
(5) a scheme selection module: the system comprises a platform, a system management platform and a system management platform, wherein the system management platform is used for receiving insurance application schemes and quotations of various insurance companies by a salesman, forming insurance policies after the insurance application schemes and the quotations are selected by insurance clients, and transmitting the policies to the platform;
(6) and a bid-winning department underwriting module: receiving the insurance policy by the insurance company with the winning bid, rechecking the insurance policy and transmitting the confirmation information to the platform;
(7) transfer payment module: the system comprises a client, a system server and a system server, wherein the client is used for receiving confirmation information of an insurance company winning a bid and showing a payment mode to an insuring client;
(8) and (3) a sheet outlet module: the transfer voucher and the insurance policy are transmitted to the insurance company by the salesman to realize insurance application.
The system of the invention also comprises an auditing module: the system is used for receiving the insurance information transmitted by the price inquiring module and auditing the insurance information by the auditing service staff of the platform.
The system also comprises a platform quotation auditing module: the system is used for receiving the insurance application schemes and quotations transmitted by the multi-insurance-department scheme and quotation module, and auditing by auditing service personnel of the platform.
The system also comprises a platform auditing module: the system is used for receiving the policy transmitted by the selection scheme module and auditing the policy by auditing service personnel of the platform.
The system of the invention also comprises the following modules: a service order module: the system comprises a platform, a client and a system server, wherein the platform is used for storing the application information of an application client;
the client data auditing and arranging module: the system is used for receiving the insurance policy transmitted by the business issuing module, auditing the insurance policy by auditing business personnel of the platform and then transmitting the insurance policy to each insurance company;
a multi-Baoshi list module: the system is used for receiving the insurance policy transmitted by the client data auditing and arranging module, and each insurance company robs the insurance policy and confirms the result;
and after the order grabbing result of the multi-custody order grabbing module is confirmed, starting the transfer payment module.
The method comprises the following steps:
(1) the waiter selects a multi-toast quotation mode or a multi-toast order-grabbing mode according to the requirements of the client;
(2) when a multi-insurance department quotation mode is adopted, the service staff inputs the insurance information of the insurance clients through the insurance information issuing module;
(2) the price inquiring module sends the insurance information of the insurance information issuing module to the platform;
(3) the platform display module displays the insurance information to each insurance company;
(4) each insurance company designs an insurance application scheme and a quotation according to the insurance application information by using a multi-insurance-department scheme and quotation module, and transmits the insurance application scheme and the quotation to a platform;
(5) after the insurance client selects an insurance scheme and quotes, the salesman forms a policy with the scheme through the scheme selection module and transmits the policy to the platform;
(6) the insurance company of winning a bid rechecks the insurance policy and confirms through the underwriting department;
(7) the insurance client pays the fee according to the policy regulation through the transfer payment module;
(8) and the order output module transmits the transfer certificate and the insurance policy to the insurance company to realize insurance application.
In the method, auditing service personnel of the platform audit and issue the application information of the application information module through the auditing module.
In the method, the auditing service personnel of the platform audits the multi-insurance scheme and the insurance application scheme and quotation of the quotation module through the platform quotation auditing module and transmits the schemes to the service personnel.
In the method, the auditing service personnel of the platform audits the insurance policy transmitted to the platform through the platform auditing module and transmits the insurance policy to the winning insurance company.
When the method adopts a multi-custody list robbing mode: (1) the service staff adopts the service order output module to form a insurance policy according to the insurance information of the insurance client and transmits the insurance policy to the platform;
(2) auditing service personnel of the platform audits the insurance policy formed by the single module through the client data auditing and arranging module and transmits the insurance policy to each insurance company;
(3) each insurance company robs the policy through a plurality of policy control policy modules and confirms the result;
(4) and after the order grabbing result of the multi-custody order grabbing module is confirmed, starting the transfer payment module.
Adopt the produced beneficial effect of above-mentioned technical scheme to lie in: the system can realize many-to-many of the business officers and the insurance companies through the matching of all the modules; therefore, the channel between the salesman and the insurance company is opened, so that the policyholder can select a more reasonable policy, the insurance company can be connected with a target customer group, and the smooth application of the non-standard policy is further ensured. The system can effectively improve the insurance passing rate and the insurance efficiency of the non-standard insurance policy, reduce the workload of the business officers and the insurance companies, improve the task load of the business officers and improve the insurance policy load of the insurance companies.
The system is also provided with a module for the form robbing mode, and the client and the insurance company can select different modes according to the needs, thereby further ensuring the smooth application of the non-standard insurance policy and more effectively improving the application passing rate and the application efficiency of the non-standard insurance policy.
The method of the invention opens the channel between the business officer and the insurance company, so that the insurance applicant can select a more reasonable insurance policy, the insurance company can be connected with the target customer group, many-to-many of the business officer and the insurance company can be realized, and the smooth insurance application of the non-standard insurance policy is further ensured. The system can effectively improve the insurance passing rate and the insurance efficiency of the non-standard insurance policy, reduce the task load of the business officers and the insurance companies, improve the task load of the business officers and improve the insurance policy load of the insurance companies. The method of the invention is also provided with a list robbing mode, and the client and the insurance company can select different modes according to the needs, thereby further ensuring the smooth application of the non-standard insurance list and more effectively improving the application passing rate and the application efficiency of the non-standard insurance list.
Drawings
The present invention will be described in further detail with reference to the accompanying drawings and specific embodiments.
FIG. 1 is a schematic diagram of the system architecture of the present invention.
Detailed Description
As shown in FIG. 1, the present non-standard policy application system includes a multi-policy offer mode or a multi-policy rob mode, which includes the following modules:
(1) and an insurance information issuing module: the client is located in the possession of the business staff; for the service personnel to input the application information of the application client. The application information typically includes the client's name, contact address, the insured's details, and other necessary information.
(2) Price inquiring module: and the client is positioned at the client held by the salesman and used for sending the application information of the application information issuing module to the platform end.
(3) An auditing module: is positioned at the platform end; the system is used for receiving the insurance information sent by the price enquiring module; auditing the insurance information by an auditing service staff of the platform, and auditing the authenticity and integrity of the data; the junk data is shielded, the problems in the application information are checked, and the information is cleared up and corrected, so that the propagation of illegal and sensitive data and information is avoided. If the audit is passed, entering a platform display module; if the verification is not passed, returning to the module for issuing the insurance information, and modifying the insurance information of the insurance client by the salesman.
(4) A platform display module: is positioned at the platform end; the insurance information processing system is used for transmitting the underwriting information which passes the auditing to a client held by the insurance companies and displaying the underwriting information to each insurance company.
(5) A multi-toast scheme and quotation module: a client located in the insurance company; the system comprises a platform display module, a verification module and a verification module, wherein the platform display module is used for receiving the approved application information transmitted by the platform display module; and transmitting the insurance scheme and quotation designed by each insurance company according to the insurance information to the platform.
(6) A platform selection quotation module: is positioned at the platform end; the system comprises a plurality of insurance schemes and a plurality of quotation modules, wherein the insurance schemes and the quotation modules are used for receiving insurance application schemes and quotation transmitted by the multi-insurance scheme and quotation modules; the platform personnel select a plurality of more reasonable quotation schemes according to the insurance application schemes of the insurance companies and transmit the quotation schemes to the client sides held by the business personnel; preferably, three quotation schemes are selected.
(7) A scheme selection module: the client is located in the possession of the business staff; the system is used for receiving the quotation scheme selected by the platform selection quotation module; and an insurance client selects an insurance scheme and a quote among the insurance schemes, and the scheme forms a policy and transmits the policy to the platform end.
(8) A platform auditing module: is positioned at the platform end; the system is used for receiving the insurance policy transmitted by the selection scheme module, auditing the insurance policy transmitted to the platform by auditing service personnel of the platform, and transmitting the insurance policy to a client held by the winning insurance company.
(9) And a bid-winning department underwriting module: a client located in the insurance company; the system is used for receiving the checked insurance policy transmitted by the platform checking module, rechecking and confirming the insurance policy by the successful insurance company, and transmitting confirmation information to the platform end. The insurance application system of the non-standard insurance policy also comprises a survey notice module, wherein the insurance company winning the bid surveys the existing notice, and the insurance policy issuing module rechecks and confirms the insurance policy after confirming that no problem exists.
(10) A multi-insurance quotation mode locking module: is positioned at the platform end; the system is used for receiving the confirmation information of the winning insurance department underwriting module and locking the insurance policy without showing; and transmits the confirmation information to the client held by the salesman.
(11) Transfer payment module: the client is located in the possession of the business staff; the system is used for receiving confirmation information transmitted by the multi-insurance department quotation mode locking module and displaying a payment way according to payment cost specified by the insurance policy.
(12) Upload transfer account voucher module: the client is located in the possession of the business staff; after the customer pays, the account transfer voucher is uploaded by the salesman and transmitted to the platform end.
(13) Transfer audit module: is positioned at the platform end; the system comprises a transfer module, a transfer voucher uploading module and a transfer voucher uploading module, wherein the transfer voucher is received and audited by auditing service personnel of a platform; if the verification is passed, transmitting the verification result to a client held by the insurance company; if the audit is not passed, the client-side held by the business staff is returned, and the transfer voucher is uploaded again.
(13) And (3) a sheet outlet module: a client located in the insurance company; the system is used for receiving the auditing passing information transmitted by the auditing module and issuing the insurance policy. And the insurance company after the issue of the policy carries out insurance acceptance, uploads the electronic insurance policy and the electronic invoice to the platform end, and mails the paper insurance policy.
(14) Policy information update module: is positioned at the platform end; the system is used for receiving the electronic insurance policy and the electronic invoice uploaded by the insurance company and transmitting the electronic insurance policy and the electronic invoice to the client held by the business staff.
(15) Policy information display module: the client is located in the possession of the business staff; the system is used for receiving the information such as the electronic insurance policy, the electronic invoice and the like transmitted by the insurance policy information updating module and is displayed to the policyholder by the salesman.
(16) Still include order failure module: the client is located in the possession of the business staff; the insurance client does not agree with or put forward new requirements on the insurance policy confirmed by the multi-insurance department quotation mode locking module; and the transfer payment module jumps to the order failure module, and then reenters the insurance information issuing module to issue a new order.
The system of the invention also comprises the following modules for realizing a multi-security-department list-robbing mode: A. a service order module: the client is located in the possession of the business staff; the insurance policy issuing module is used for forming insurance policies by the insurance information input by the salesman in the insurance information issuing module and transmitting the insurance policies to the platform.
B. The client data auditing and arranging module: is positioned at the platform end; the system is used for receiving the insurance policy transmitted by the business issuing module, auditing the insurance policy by auditing business personnel of the platform, and then transmitting the insurance policy to each insurance company terminal.
C. A multi-Baoshi list module: a client located in the insurance company; the system is used for receiving the insurance policy transmitted by the client data auditing and arranging module, and each insurance company robs the insurance policy and transmits the confirmation result to the platform end.
D. A multi-security-department list-robbing mode list locking module: is positioned at the platform end; the system is used for receiving the confirmation result of the multiple security department ticket-grabbing modules, locking the security ticket and not displaying any more; and transmits the confirmation information to the client held by the salesman.
E. And (5) starting the modules in the steps (11) to (15).
As shown in FIG. 1, the application method of the non-standard policy adopts the system, and the multi-insurance quotation mode comprises the following method steps:
(1) the waiter selects a multi-toast quotation mode or a multi-toast order-grabbing mode according to the requirements of the client;
(2) and when a multi-insurance department quotation mode is adopted, the service staff inputs the insurance application information of the insurance application client into the client side held by the service staff.
(3) And the client held by the salesman sends the insurance information of the insurance information issuing module to the platform end through the inquiry module.
(4) An auditing module of the platform end receives the insurance information sent by the price enquiring module; and auditing the application information by auditing service personnel of the platform, shielding garbage data, checking problems in the application information, and sorting and correcting. If the audit is passed, entering a platform display module; if the verification is not passed, returning to the module for issuing the insurance information, and modifying the insurance information of the insurance client by the salesman.
(4) And the platform display module of the platform end transmits the approved insurance information to the client-side held by the insurance companies and displays the insurance information to each insurance company.
(5) The multi-insurance scheme and quotation module of the client held by the insurance company receives the approved insurance information transmitted by the platform display module; and transmitting the insurance scheme and quotation designed by each insurance company according to the insurance information to the platform.
(6) A platform selection quotation module at the platform end receives the multi-insurance scheme and the application scheme and quotation transmitted by the quotation module; the platform personnel select a plurality of more reasonable quotation schemes according to the insurance application schemes of the insurance companies and transmit the quotation schemes to the client sides held by the business personnel; preferably, three quotation schemes are selected.
(7) A selection scheme module of a client held by a salesman receives a quotation scheme selected by the platform selection quotation module; and an insurance client selects an insurance scheme and a quote among the insurance schemes, and the scheme forms a policy and transmits the policy to the platform end.
(8) And a platform auditing module of the platform end receives the insurance policy transmitted by the selection scheme module, audits the insurance policy transmitted to the platform by auditing service personnel of the platform and transmits the insurance policy to a client held by the winning insurance company.
(9) The client-side bid-winning insurance company underwriting module of the insurance company receives the underwriting insurance policy transmitted by the platform auditing module, the winning insurance company adopts the survey announcement module to survey the existing announcement, rechecks the insurance policy and confirms after confirming that no problem exists, and the confirmation information is transmitted to the platform side.
(10) A multi-insurance department quotation mode locking module at the platform end receives the confirmation information of the winning insurance department underwriting module, locks the insurance policy and does not show the insurance policy any more; and transmits the confirmation information to the client held by the salesman.
(11) And the transfer payment module of the client held by the operator receives the confirmation information transmitted by the multi-insurance department quotation mode locking module, and shows a payment way according to the payment expense specified by the insurance policy.
(12) After the client pays the fee, the transfer voucher is uploaded by the business member on a transfer voucher uploading module of the client held by the business member and is transmitted to the platform end.
(13) The platform end transfer auditing module receives the transfer voucher transmitted by the transfer voucher uploading module and audits the transfer voucher by auditing service personnel of the platform; if the verification is passed, transmitting the verification result to a client held by the insurance company; if the audit is not passed, the client-side held by the business staff is returned, and the transfer voucher is uploaded again.
(13) And the issuing module of the client held by the insurance company receives the auditing passing information transmitted by the auditing module and issues the insurance policy. And the insurance company after the issue of the policy carries out insurance acceptance, uploads the electronic insurance policy and the electronic invoice to the platform end, and mails the paper insurance policy.
(14) And the policy information updating module at the platform end receives the electronic policy and the electronic invoice uploaded by the insurance company and transmits the electronic policy and the electronic invoice to the client held by the salesman.
(15) The policy information display module of the client held by the policeman receives the information such as the electronic policy, the electronic invoice and the like transmitted by the policy information updating module, and the information is displayed to the policyholder by the policeman; and finishing the application process of the multi-insurance department quotation mode.
(16) The insurance client does not approve or make new requirements for the insurance policy confirmed in the step (10) and does not pay in the step (11); and jumping to the order failure module, and reentering the insurance information issuing module to issue a new order.
The multi-toast order mode comprises the following method steps:
(1) and when a multi-insurance department list-robbing mode is adopted, a business order-issuing module of the client held by the business member forms insurance lists with the insurance information input by the business member in the insurance information issuing module, and transmits the insurance lists to the platform.
(1) And the client data auditing and arranging module at the platform end receives the insurance policy transmitted by the business issuing module, and audits the insurance policy by the auditing business personnel of the platform and then transmits the insurance policy to each insurance company end.
(1) And the multi-insurance department list robbing module of the client held by the insurance company receives the insurance list transmitted by the client data auditing and arranging module, and each insurance company robs the insurance list and transmits the confirmation result to the platform.
(4) A multi-security-department list-robbing mode list locking module at the platform end receives the confirmation result of the multi-security-department list-robbing module, locks the security list and does not show the security list any more; and transmits the confirmation information to the client held by the salesman.
(5) And the transfer payment module of the client held by the operator receives the confirmation information transmitted by the multi-insurance department quotation mode locking module, and shows a payment way according to the payment expense specified by the insurance policy.
(6) After the client pays the fee, the transfer voucher is uploaded by the business member on a transfer voucher uploading module of the client held by the business member and is transmitted to the platform end.
(7) The platform end transfer auditing module receives the transfer voucher transmitted by the transfer voucher uploading module and audits the transfer voucher by auditing service personnel of the platform; if the verification is passed, transmitting the verification result to a client held by the insurance company; if the audit is not passed, the client-side held by the business staff is returned, and the transfer voucher is uploaded again.
(8) And the issuing module of the client held by the insurance company receives the auditing passing information transmitted by the auditing module and issues the insurance policy. And the insurance company after the issue of the policy carries out insurance acceptance, uploads the electronic insurance policy and the electronic invoice to the platform end, and mails the paper insurance policy.
(9) And the policy information updating module at the platform end receives the electronic policy and the electronic invoice uploaded by the insurance company and transmits the electronic policy and the electronic invoice to the client held by the salesman.
(10) The policy information display module of the client held by the policeman receives the information such as the electronic policy, the electronic invoice and the like transmitted by the policy information updating module, and the information is displayed to the policyholder by the policeman; and finishing the application process of the multi-insurance department quotation mode.
(11) The insurance client does not approve or make new requirements on the insurance policy confirmed in the step (4) and does not pay in the step (5); and jumping to the order failure module, and reentering the insurance information issuing module to issue a new order.
Claims (10)
1. An application system of a non-standard policy, comprising the following modules:
(1) and an insurance information issuing module: the system is used for inputting the application information of an application client by a salesman;
(2) price inquiring module: the system comprises a platform, a module for issuing application information and a server, wherein the platform is used for transmitting the application information of the module for issuing the application information to the platform;
(3) a platform display module: the system is used for receiving the insurance information and transmitting the insurance information to each insurance company;
(4) a multi-toast scheme and quotation module: receiving the insurance information by each insurance company, designing an insurance scheme and quotation, and transmitting the insurance scheme and quotation to the platform;
(5) a scheme selection module: the system comprises a platform, a system management platform and a system management platform, wherein the system management platform is used for receiving insurance application schemes and quotations of various insurance companies by a salesman, forming insurance policies after the insurance application schemes and the quotations are selected by insurance clients, and transmitting the policies to the platform;
(6) and a bid-winning department underwriting module: receiving the insurance policy by the insurance company with the winning bid, rechecking the insurance policy and transmitting the confirmation information to the platform;
(7) transfer payment module: the system comprises a client, a system server and a system server, wherein the client is used for receiving confirmation information of an insurance company winning a bid and showing a payment mode to an insuring client;
(8) and (3) a sheet outlet module: the transfer voucher and the insurance policy are transmitted to the insurance company by the salesman to realize insurance application.
2. The system of claim 1, further comprising an audit module: the system is used for receiving the insurance information transmitted by the price inquiring module and auditing the insurance information by the auditing service staff of the platform.
3. The system of claim 1, further comprising a platform quote review module: the system is used for receiving the insurance application schemes and quotations transmitted by the multi-insurance-department scheme and quotation module, and auditing by auditing service personnel of the platform.
4. The system of claim 1, further comprising a platform audit module: the system is used for receiving the policy transmitted by the selection scheme module and auditing the policy by auditing service personnel of the platform.
5. The system of any one of claims 1-4, further comprising the following modules: a service order module: the system comprises a platform, a client and a system server, wherein the platform is used for storing the application information of an application client;
the client data auditing and arranging module: the system is used for receiving the insurance policy transmitted by the business issuing module, auditing the insurance policy by auditing business personnel of the platform and then transmitting the insurance policy to each insurance company;
a multi-Baoshi list module: the system is used for receiving the insurance policy transmitted by the client data auditing and arranging module, and each insurance company robs the insurance policy and confirms the result;
and after the order grabbing result of the multi-custody order grabbing module is confirmed, starting the transfer payment module.
6. A method of insuring a non-standard policy, comprising the steps of:
(1) the waiter selects a multi-toast quotation mode or a multi-toast order-grabbing mode according to the requirements of the client;
(2) when a multi-insurance department quotation mode is adopted, the service staff inputs the insurance information of the insurance clients through the insurance information issuing module;
(2) the price inquiring module sends the insurance information of the insurance information issuing module to the platform;
(3) the platform display module displays the insurance information to each insurance company;
(4) each insurance company designs an insurance application scheme and a quotation according to the insurance application information by using a multi-insurance-department scheme and quotation module, and transmits the insurance application scheme and the quotation to a platform;
(5) after the insurance client selects an insurance scheme and quotes, the salesman forms a policy with the scheme through the scheme selection module and transmits the policy to the platform;
(6) the insurance company of winning a bid rechecks the insurance policy and confirms through the underwriting department;
(7) the insurance client pays the fee according to the policy regulation through the transfer payment module;
(8) and the order output module transmits the transfer certificate and the insurance policy to the insurance company to realize insurance application.
7. The method of claim 6, wherein the method further comprises: and auditing service personnel of the platform audits and issues the application information of the application information module through the auditing module.
8. The method of claim 6, wherein the method further comprises: and auditing service personnel of the platform audits the multi-insurance department scheme and the insurance application scheme and quotation of the quotation module through the platform quotation auditing module and transmits the schemes and quotation to the service personnel.
9. The method of claim 6, wherein the method further comprises: and auditing business personnel of the platform audit the insurance policy transmitted to the platform through the platform auditing module and transmit the insurance policy to the winning insurance company.
10. A method of insuring a non-standard policy according to any one of claims 6-9 wherein, when the multiple-policy rush order mode is employed: (1) the service staff adopts the service order output module to form a insurance policy according to the insurance information of the insurance client and transmits the insurance policy to the platform;
(2) auditing service personnel of the platform audits the insurance policy formed by the single module through the client data auditing and arranging module and transmits the insurance policy to each insurance company;
(3) each insurance company robs the policy through a plurality of policy control policy modules and confirms the result;
(4) and after the order grabbing result of the multi-custody order grabbing module is confirmed, starting the transfer payment module.
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