CN115358875A - Insurance product management system - Google Patents
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Abstract
The application provides an insurance product management system, which comprises an insurance policy management module, a claim settlement management module, a reinsurance module, a customer service module and an insurance target module; the policy management module is used for determining rate determination of insurance products, carrying out rule verification on policy data information in the insurance products, carrying out sales authority management on the insurance products and carrying out policy issuing management on the insurance products; by improving the production efficiency and shortening the production time of insurance products, the configuration time of different differentiated pages of different products can be shortened; flexible configuration is supported, and customization is possible; the method has the characteristic of continuability, thereby reducing the implementation cost and improving the implementation efficiency; the system has management analysis and product upgrading capabilities, has an active recommendation function, and optimizes resource allocation; the individual requirements are met, and the flexible configuration and the rapid online capability of the products of the insurance company can be greatly improved, so that the requirements of different crowds can be met.
Description
Technical Field
The application relates to the technical field of information comprehensive processing, in particular to an insurance product management system.
Background
Most insurance agents still adopt the traditional mode and concept of 'product management'. This product management model has many disadvantages, such as: the insurance scheme is still relatively fixed and single, and the product can not be inherited to bring a large amount of repeated development, also leads to the inefficiency of going online, forms the resource cost and wastes. And for products to be marketed, an effective tracking and monitoring means is lacked, the product optimization is difficult to realize, and the like, which is also one of important factors for passive situations of the insurance subject in the customer service process.
For the serious and stubborn diseases affecting the digital transformation development of the industry, many insurance subjects try to fight off in a thinking way.
In the actual landing process, due to the lack of effective analysis and processing on massive products, terms and schemes, enterprises are required to have effective product management models. Therefore, the landing is difficult, and in addition, the product department has a strong company position, the comfort zone is broken, the reconstruction of the whole system is very difficult, and the digital upgrading and transformation of enterprises are stopped.
Disclosure of Invention
In view of the problems, the present application is directed to providing an insurance product management system that overcomes or at least partially solves the problems, including:
an insurance product management system comprises an insurance policy management module, a claim settlement management module, a reinsurance module, a customer service module and an insurance target module;
the policy management module is used for determining the rate of insurance products to be determined, determining a plurality of premium calculation factors through target information, and forming a rate factor library by the plurality of premium calculation factors; carrying out rule verification on the insurance policy data information in the insurance product, wherein the rule verification comprises insurance application information verification, insurance reimbursement verification and insurance renewal verification; carrying out sales authority management on the insurance product, wherein the sales authority management comprises a attribution organization and a department for distinguishing salesmen; and the management of the issuing of the insurance product, wherein the issuing management comprises commodity attribute order following and insurance policy statistical cost management;
the claim management module is used for rapidly settling a claim through an online process, providing corresponding rescue service and value-added service under the condition of generating the claim, and transmitting the rescue service and the value-added service to the reinsurance module;
the reinsurance module is used for processing reinsurance business of the insurance product, screening reinsurance objects according to the insurance product, and determining the branch insurance details with the reinsurance objects, wherein the branch insurance details comprise the steps of determining reinsurance companies, confirming contract types and dividing insurance proportions; performing claims payment configuration on the rescue service and the value-added service respectively, and judging whether the rescue service and the value-added service carry out claims settlement by a small-amount rapid claims settlement flow or not;
the client service module is used for analyzing client information in the insurance product to form a client grade, providing corresponding grade service through the client grade, and analyzing through the client grade to form an insurance rule corresponding to the client grade, wherein the insurance rule is used for performing floating adjustment on corresponding rates on insurance premium for clients with different client grades according to the client grade;
the insurance target module is used for forming a target information base through all the target information in all the insurance products, and recommending premium suitable for the new target information to the new target information when the target information base number of the target information base reaches a preset threshold value.
Further, the policy management module further comprises a product guarantee unit;
the product guarantee unit is used for acquiring maintenance clause preparation information, confirming an insurance class through the maintenance clause preparation information, mapping the danger class according to the insurance class and the general type code, attaching to a specific guarantee responsibility, and generating product guarantee information according to the specific guarantee responsibility, wherein the product guarantee information comprises a guarantee range and pricing.
Further, the policy management module further comprises a check rule unit;
the verification rule unit is used for respectively performing rule verification on the insurance time, the policy validation time, the policy casting and insured person relationship, the policy casting and insured person attribute and the target definition by acquiring the insurance time, the policy validation time, the policy casting and insured person relationship, the policy casting and insured person attribute and the target definition in the policy data information.
Further, the policy management module also comprises a sales authority unit;
the sales authority unit is used for forming corresponding sales information for each insurance product, and whether the insurance products are sold in any institution or any branch company can be judged through the sales information.
Further, the policy management module further comprises an H5 template unit;
the H5 template unit is used for configuring H5 outgoing single page layout through the insurance product and marking the H5 outgoing single page layout as a category template.
Further, when the insurance product is subject to claim settlement, automatic claim settlement is carried out through premium scale and interval claim rate, and the fast claim settlement is realized.
Further, the customer classes include a first class, a second class and a third class, wherein the customers of the first class are marked as ordinary customers, the customers of the second class are marked as VIP customers, and the customers of the third class are marked as gold customers.
Further, an authentication entry rule and a price and tax splitting rule are obtained in the financial system, and the financial reconciliation rule is formed through the authentication entry rule and the price and tax splitting rule.
Further, an insurance rule corresponding to the customer level of the insurance product is formed by analyzing in acquiring an insured person attribute, a time attribute and a target attribute in the insurance product.
Further, the cash register also comprises a cash collection module;
the collection module is used for receiving online or offline fund flows, forming financial reconciliation rules by the fund flows through a financial system, and forming rule templates according to the financial reconciliation rules.
The application has the following advantages:
in the embodiment of the application, the system comprises an insurance policy management module, a claim settlement management module, a reinsurance module, a customer service module and an insurance target module; the policy management module is used for determining the rate of insurance products to be determined, determining a plurality of premium calculation factors through target information, and forming a rate factor library by the plurality of premium calculation factors; carrying out rule verification on insurance policy data information in the insurance product, wherein the rule verification comprises insurance application information verification, insurance release verification and insurance renewal verification; performing sales right management on the insurance product, wherein the sales right management comprises a attribution organization and a department for distinguishing operators; and the management of the outgoing invoice of the insurance product, wherein the management of the outgoing invoice comprises commodity attribute order keeping and policy keeping statistical cost management; the claim settlement management module is used for rapidly settling a claim through an online process, providing corresponding rescue service and value-added service under the condition of generating the claim, and transmitting the rescue service and the value-added service to the reinsurance module; the reinsurance module is used for processing reinsurance business of the insurance product, screening reinsurance objects according to the insurance product, and determining the branch insurance details with the reinsurance objects, wherein the branch insurance details comprise the steps of determining reinsurance companies, confirming contract types and dividing insurance proportions; performing claims configuration on the rescue service and the value-added service respectively, and judging whether the rescue service and the value-added service carry out claims settlement through a small-amount quick claim settlement process or not; the client service module is used for analyzing client information in the insurance product to form a client grade, providing corresponding grade service through the client grade, and analyzing through the client grade to form an insurance application rule corresponding to the client grade, wherein the insurance application rule is used for performing floating adjustment on corresponding rates on insurance application fees for clients with different client grades according to the client grade; the insurance target module is used for forming a target information base through all the target information in all the insurance products, and recommending premium applicable to the new target information for the new target information when the target information base number of the target information base reaches a preset threshold value.
By improving the production efficiency and shortening the production time of insurance products, the configuration time of different differentiated pages of different products can be shortened; flexible configuration is supported, customization is possible, and customers in different channels can select insurance schemes according to respective requirements and carry out package purchase, so that the customers are centered; the method has the sustainable characteristic that shared components of all basic products can be reused, and simply speaking, the scheme generated for the first time can be directly copied and used next time or fine-tuned according to requirements, so that the implementation cost is reduced, and the implementation efficiency is improved; the system has management analysis and product upgrading capabilities, has an active recommendation function, and can automatically screen out unwelcome schemes, embody the management of the whole life cycle of the product and optimize resource allocation; the personalized requirements are met, and the flexible configuration and the rapid online capability of products of insurance companies can be greatly improved, so that the requirements of different people on portraits can be met.
Drawings
In order to more clearly illustrate the technical solutions of the present application, the drawings required to be used in the description of the present application will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings may be obtained according to these drawings without inventive labor.
Fig. 1 is a block diagram illustrating an insurance product management system according to an embodiment of the present application.
In the drawings: 1. a policy management module; 2. a claims management module; 3. a reinsurance module; 4. a customer service module; 5. and (4) an insurance target module.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, the present application is described in further detail with reference to the accompanying drawings and the detailed description. It is to be understood that the embodiments described are only a few embodiments of the present application and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without making any creative effort belong to the protection scope of the present application.
Referring to fig. 1, a block diagram of an insurance product management system according to an embodiment of the present application is shown.
An insurance product management system, the system includes insurance policy management module 1, claim settlement management module 2, reinsurance module 3, customer service module 4 and module 5 of insurance target;
the policy management module 1 is used for determining the rate of the insurance product, determining a plurality of premium calculation factors through the target information, and forming a rate factor library by the plurality of premium calculation factors; carrying out rule verification on insurance policy data information in the insurance product, wherein the rule verification comprises insurance application information verification, insurance release verification and insurance renewal verification; carrying out sales authority management on the insurance product, wherein the sales authority management comprises a attribution organization and a department for distinguishing salesmen; and the management of the outgoing invoice of the insurance product, wherein the management of the outgoing invoice comprises commodity attribute order keeping and policy keeping statistical cost management;
the claim settlement management module 2 is used for rapidly settling a claim through an online process, providing corresponding rescue service and value-added service under the condition of generating the claim, and transmitting the rescue service and the value-added service to the reinsurance module 3;
the reinsurance module 3 is configured to process reinsurance services of the insurance products, screen reinsurance objects according to the insurance products, and determine the branch insurance details with the reinsurance objects, where the branch insurance details include determining reinsurance companies, confirming contract types, and dividing insurance proportions; performing claims payment configuration on the rescue service and the value-added service respectively, and judging whether the rescue service and the value-added service carry out claims settlement by a small-amount rapid claims settlement flow or not;
the client service module 4 is used for analyzing client information in the insurance product to form a client grade, providing corresponding grade service through the client grade, and analyzing through the client grade to form an insurance application rule corresponding to the client grade, wherein the insurance application rule is used for performing floating adjustment on corresponding rates on insurance application fees for clients with different client grades according to the client grade;
the insurance target module 5 is configured to form a target information base from all the target information in all the insurance products, and recommend a premium applicable to the new target information when the target information base number of the target information base reaches a predetermined threshold value.
In the embodiment of the application, the insurance policy is composed of an insurance policy management module 1, an claim settlement management module 2, a reinsurance module 3, a customer service module 4 and an insurance target module 5; the policy management module 1 is used for determining the rate of the insurance product, determining a plurality of premium calculation factors through the target information, and forming a rate factor library by the plurality of premium calculation factors; carrying out rule verification on insurance policy data information in the insurance product, wherein the rule verification comprises insurance application information verification, insurance release verification and insurance renewal verification; performing sales right management on the insurance product, wherein the sales right management comprises a attribution organization and a department for distinguishing operators; and the management of the outgoing invoice of the insurance product, wherein the management of the outgoing invoice comprises commodity attribute order keeping and policy keeping statistical cost management; the claim settlement management module 2 is used for rapidly settling a claim through an online process, providing corresponding rescue service and value-added service under the condition of generating the claim, and transmitting the rescue service and the value-added service to the reinsurance module 3; the reinsurance module 3 is configured to process reinsurance services of the insurance products, screen reinsurance objects according to the insurance products, and determine the branch insurance details with the reinsurance objects, where the branch insurance details include determining reinsurance companies, confirming contract types, and dividing insurance proportions; performing claims configuration on the rescue service and the value-added service respectively, and judging whether the rescue service and the value-added service carry out claims settlement through a small-amount quick claim settlement process or not; the client service module 4 is used for analyzing client information in the insurance product to form a client grade, providing corresponding grade service through the client grade, and analyzing through the client grade to form an insurance application rule corresponding to the client grade, wherein the insurance application rule is used for performing floating adjustment on corresponding rates on insurance application fees for clients with different client grades according to the client grade; the insurance target module 5 is configured to form a target information base from all the target information in all the insurance products, and recommend a premium suitable for the new target information to the new target information when a target information base number of the target information base reaches a predetermined threshold value.
By improving the production efficiency and shortening the production time of insurance products, the configuration time of different pages of different products can be shortened; flexible configuration is supported, customization becomes possible, and when customers in different channels can select insurance schemes according to respective requirements and purchase packages, customers are centered; the method has the sustainable characteristic that shared components of all basic products can be reused, and simply speaking, the scheme generated for the first time can be directly copied and used next time or fine-tuned according to requirements, so that the implementation cost is reduced, and the implementation efficiency is improved; the system has management analysis and product upgrading capabilities, has an active recommendation function, and can automatically screen out unwelcome schemes, embody the management of the whole life cycle of the product and optimize resource allocation; the personalized requirements are met, and the flexible configuration and the rapid online capability of products of insurance companies can be greatly improved, so that the requirements of different people for portraits can be met.
Hereinafter, an insurance product management system in the present exemplary embodiment will be further described.
In an embodiment of the present invention, the policy management module 1 is configured to determine a rate of a premium product, determine a plurality of premium calculation factors through targeted information, and form a rate factor library with the plurality of premium calculation factors; in one embodiment, for example, for a rate factor targeting a vehicle, premium calculation factors for different vehicle types are determined by number of seats to form a rate factor library, which can be expanded to translate.
In an embodiment of the present invention, the policy data information in the insurance product is subjected to rule verification, wherein the rule verification includes insurance application information verification, insurance withdrawal verification and insurance renewal verification, and in a specific embodiment, insurance application information verification includes rule verification of insurance applicant, insurance application time, target and other insurance application parameters.
In one embodiment of the invention, the insurance product is subjected to sales authority management, and the sales authority management comprises a home institution and a department for distinguishing operators; in a specific embodiment, the mechanism and the department to which the salesman belongs are distinguished, authority control is performed on users of different mechanisms and departments, and the operation authority of each menu button can be controlled according to the mechanism visible data.
In an embodiment of the invention, the order issuing management of the insurance product comprises commodity attribute order keeping and insurance policy statistical cost management; in one embodiment, merchandise attribute documentary, policy accounting cost management, and other export management functions are all included in the accounting and management.
In one embodiment of the invention, corresponding rescue services and value-added services are provided under the condition of claim settlement; in one embodiment, the system can interface with a rescue or value-added service provider, follow up in real time, and locate in real time.
In an embodiment of the invention, whether the rescue service and the value-added service carry out claim settlement by a small-amount quick claim settlement flow is judged; in a specific embodiment, the rescue service and the value-added service are respectively subjected to claim payment configuration, and whether a small-amount fast claim settlement process is performed on a claim is configured.
In an embodiment of the invention, an insurance application rule corresponding to the customer grade is formed by analyzing the customer grade, and the insurance application rule is used for performing floating adjustment of corresponding rates on insurance application fees for customers with different customer grades according to the customer grade; in one embodiment, the premium is applied to the customers of different customer grades and the floating adjustment of the corresponding rates is made, so that the customers can enjoy the preferential policy of the corresponding customer grade.
In an embodiment of the present invention, the policy management module 1 further includes a product guarantee unit; the product guarantee unit is used for acquiring maintenance provision information, confirming an insurance class through the maintenance provision information, mapping the danger class according to the general type code and the general type code, attaching to a specific guarantee responsibility, and generating product guarantee information according to the specific guarantee responsibility, wherein the product guarantee information comprises a guarantee range and pricing; in a specific implementation, the system reports information through maintenance terms, forms system commodity terms through a check and approval flow, attaches specific responsibilities by confirming the risk classes and mapping the risk classes according to the risk classes and general type codes, and forms product guarantee information by endowing rates, floating factors and the like to guarantee responsibilities according to business scenes.
In an embodiment of the present invention, the policy management module 1 further includes a check rule unit; the verification rule unit is used for respectively performing rule verification on the insurance time, the policy validation time, the policy casting and insured person relationship, the policy casting and insured person attribute and the target definition by acquiring the insurance time, the policy validation time, the policy casting and insured person relationship, the policy casting and insured person attribute and the target definition in policy data information; in one specific implementation, the insurance time, policy validation time, insured party relationship, insured party attributes and target definitions are maintained to complete the verification rules.
In an embodiment of the present invention, the policy management module 1 further includes a sales authority unit; the sales authority unit is used for forming corresponding sales information for each insurance product, and whether the insurance products are sold in any mechanism or any branch company can be judged through the sales information; in one embodiment, the insurance product is configured with sales information to set the agency or affiliate sales rights for the insurance product.
In an embodiment of the present invention, the policy management module 1 further includes an H5 template unit; the H5 template unit is used for configuring H5 output single page layout through the insurance product and marking the H5 output single page layout as a category template.
In one embodiment of the invention, when the insurance product is subject to claim settlement, the insurance product is subject to automatic claim settlement through premium scale and interval claim rate, so as to realize the rapid claim settlement; in a specific implementation, an online reimbursement process is defined by a reimbursement mode, a reimbursement range, a reimbursement proportion, a reimbursement amount and the like when a product is reimbursed, and the goal of completing the reimbursement within 2 hours of on-line case report of a client is achieved.
In one embodiment of the invention, the customer grades comprise a first grade, a second grade and a third grade, wherein the customers of the first grade are marked as ordinary customers, the customers of the second grade are marked as VIP customers, and the customers of the third grade are marked as gold customers; in a specific implementation, aiming at customer service of a channel and a third-party platform, customers are analyzed through dimensionalities such as customer credit, credibility and the like, three levels of 'red, yellow and blue' are formed, blue, namely a first level is a common customer, yellow, namely a second level is a VIP customer, red, namely a third level is a gold medal customer, consultation service, rescue service, value-added service and the like are provided according to the customer levels, the commodity selling safety is ensured, and management and control of the customer authority by a system are also met.
In an embodiment of the invention, the system further comprises a money receiving module; the collection module is used for receiving online or offline fund flows, forming financial reconciliation rules by the fund flows through a financial system, and forming rule templates according to the financial reconciliation rules.
In an embodiment of the present invention, an authentication entry rule and a price and tax splitting rule are obtained in the financial system, and the financial reconciliation rule is formed according to the authentication entry rule and the price and tax splitting rule.
In an embodiment of the present invention, an insurance rule corresponding to the customer rating of the insurance product is formed by analyzing the attributes of the insured person, the time attribute and the target attribute in the insurance product.
Example one
The insurance product is a driving accident insurance product, the target information is people, and the insurance clauses are accident insurance guarantee clauses. And (4) reporting terms in the system, associating corresponding guarantee liability, accidental disabilities, accidental deaths and the like, associating a system risk model, defining risk classes through the risk classes, and installing the risk classes into a specific product model according to actual services. The insurance clauses are used as attachments and text identifications, system risk codes are formed through special and general attribute mapping, and specific guarantee responsibilities are configured under the risk codes. The attaching to the dangerous species forms the off-line order-issuing commodity, and the target service is formed at the moment.
After the definition of the risk model is completed, the policy management module 1 configures a policy insurance service model for the product model, mainly rate determination. The system automatically assembles the guarantee range through the mapping relation of the responsibility of the main insurance clause, realizes the pricing of the guarantee responsibility through the system pricing factor library, and can set a specific guarantee unit and a price calculation rule so as to meet the pricing of a floating rate.
The customer service module 4 is used for stripping effective rules from the attributes of the insured person, the time attribute and the target attribute for maintaining the insurance rules, for example, the insurance age is limited between 18 years and 60 years, and the scope control of the insurance age is realized by selecting the definition of the age and dynamically configuring units. The functional system uses the dynamic configuration function of the rule engine for reference, and learns and records new rules in real time to form a rule base of the system.
And the reinsurance management module is used for perfecting reinsurance allocation of the product, selecting reinsurance companies and checking proportional contracts. And the settlement management module 2 is connected to realize value-added service and rescue service configuration, and determine the settlement proportion and the settlement influence range. The functional system realizes real-time synchronization of service data by butting reinsurance and claim settlement services, and realizes integration of reinsurance configuration and claim settlement service configuration on a line in a page related product.
The collection module obtains the certificate entry and the price and tax splitting rule by butting the financial system, the online collection module maintenance is realized, the financial reconciliation rule is hooked with the commodity, the rule template is continuously formed, and the rule base is perfected.
The claim management module 2 defines an online claim payment process according to a claim payment mode, a claim payment range, a claim payment proportion, a claim payment amount and the like when a product is claimed, and achieves the goal of completing the claim payment within 2 hours of on-line case report of a client.
And finally, completing the configuration, passing the approval and putting on shelf. The product model is used as a database for the factory system learning of the job product, the product model base can be completed through data learning rules, and when the product model is put into a channel, intelligent template matching is completed according to the types, the terms and the forms of the guarantee targets, so that trial products are formed.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
While preferred embodiments of the present application have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all changes and modifications that fall within the true scope of the embodiments of the present application.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrases "comprising one of 8230; \8230;" 8230; "does not exclude the presence of additional like elements in a process, method, article, or terminal device that comprises the element.
The insurance product management system provided by the application is introduced in detail, a specific example is applied in the system to explain the principle and the implementation mode of the application, and the description of the embodiment is only used for helping to understand the method and the core idea of the application; meanwhile, for a person skilled in the art, according to the idea of the present application, the specific implementation manner and the application scope may be changed, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. An insurance product management system is characterized by comprising an insurance policy management module, a claim settlement management module, a reinsurance module, a customer service module and an insurance target module;
the policy management module is used for determining the rate of the insurance product to be determined, determining a plurality of premium calculation factors through the target information, and forming a rate factor library by the plurality of premium calculation factors; carrying out rule verification on insurance policy data information in the insurance product, wherein the rule verification comprises insurance application information verification, insurance release verification and insurance renewal verification; performing sales right management on the insurance product, wherein the sales right management comprises a attribution organization and a department for distinguishing operators; and the management of the outgoing invoice of the insurance product, wherein the management of the outgoing invoice comprises commodity attribute order keeping and policy keeping statistical cost management;
the claim settlement management module is used for rapidly settling a claim through an online process, providing corresponding rescue service and value-added service under the condition of generating the claim, and transmitting the rescue service and the value-added service to the reinsurance module;
the reinsurance module is used for processing reinsurance business of the insurance product, screening reinsurance objects according to the insurance product, and determining the branch insurance details with the reinsurance objects, wherein the branch insurance details comprise the steps of determining reinsurance companies, confirming contract types and dividing insurance proportions; performing claims configuration on the rescue service and the value-added service respectively, and judging whether the rescue service and the value-added service carry out claims settlement through a small-amount quick claim settlement process or not;
the client service module is used for analyzing client information in the insurance product to form a client grade, providing corresponding grade service through the client grade, and analyzing through the client grade to form an insurance application rule corresponding to the client grade, wherein the insurance application rule is used for performing floating adjustment on corresponding rates on insurance application fees for clients with different client grades according to the client grade;
the insurance target module is used for forming a target information base through all the target information in all the insurance products, and recommending premium suitable for the new target information to the new target information when the target information base number of the target information base reaches a preset threshold value.
2. The system of claim 1, wherein the policy management module further comprises a product assurance unit;
the product guarantee unit is used for acquiring maintenance clause preparation information, confirming an insurance class through the maintenance clause preparation information, mapping the danger class according to the insurance class and the general type code, attaching to a specific guarantee responsibility, and generating product guarantee information according to the specific guarantee responsibility, wherein the product guarantee information comprises a guarantee range and pricing.
3. The system of claim 1, wherein the policy management module further comprises a verification rule unit;
the verification rule unit is used for respectively carrying out rule verification on the insurance time, the policy effective time, the policy-offering and insured person relationship, the policy-offering and insured person attribute and the object definition by acquiring the insurance time, the policy effective time, the policy-offering and insured person relationship, the policy-offering and insured person attribute and the object definition in the policy data information.
4. The system of claim 1, wherein the policy management module further comprises a sales authority unit;
the sales authority unit is used for forming corresponding sales information for each insurance product, and whether the insurance products are sold in any institution or any branch company can be judged through the sales information.
5. The system of claim 1, wherein the policy management module further comprises an H5 template unit;
the H5 template unit is used for configuring H5 output single page layout through the insurance product and marking the H5 output single page layout as a category template.
6. The system according to claim 1, wherein when the insurance product is settled, the fast settlement is realized by automatically checking the settlement according to the premium size and the section settlement rate.
7. The system of claim 1, wherein the customer classes comprise a first class, a second class, and a third class, wherein the first class of customers is labeled as regular customers, the second class of customers is labeled as VIP customers, and the third class of customers is labeled as gold customers.
8. The system of claim 1, further comprising a checkout module;
the collection module is used for receiving online or offline fund flows, forming financial reconciliation rules by the fund flows through a financial system, and forming rule templates according to the financial reconciliation rules.
9. The system of claim 1, wherein the application rules corresponding to the customer ratings for the insurance product are formed by analysis of an insurer attribute, a time attribute, and a target attribute within the insurance product.
10. The system of claim 8, wherein an authentication entry rule and a tariff split rule are obtained within the financial system, and wherein the financial reconciliation rule is formed from the authentication entry rule and the tariff split rule.
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