CN1818970A - 保险人与被保险人之间的显性实时信息预警系统 - Google Patents
保险人与被保险人之间的显性实时信息预警系统 Download PDFInfo
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Abstract
长期以来，保险业时刻面临一种承保风险，即保险公司(保险人)与被保险人之间缺乏有效的实时信息连结，特别在寿险领域，被保险人(客户)与保险公司签约后便如断了线的风筝，保险公司只有被动地等待出险理赔，从而导致很高的赔付率。保险公司面临问题的关键是缺乏有效的技术手段建立保险人与被保险人之间的显性实时信息联结。本发明技术方案要点：建立保险人与被保险人之间的显性实时信息预警系统，实现对风险信息的实时监控。由此产生一种适应保险行业特点和客户个性化风险预警需求的、新的、完整的技术方案，形成保险业风险控制新方法。
Description
技术领域：长期以来，保险业时刻面临一种承保风险，即保险公司(保险人)与被保险人之间缺乏有效的实时信息连结，特别在寿险领域，被保险人(客户)与保险公司签约后便如断了线的风筝，保险公司只有被动地等待出险理赔，从而导致很高的赔付率。最终结果是：整体的保费水平升高，同时影响保险业的经济作用和社会保障功能，不利于和谐社会的建设。根据风险控制预防为主的基本原则，保险业特别是人寿保险业要将风险控制阵地前移服务客户的需求一直存在。苦于没有实现的方法。保险人需要知道被保险人的实时风险信息并即时作出反应以消除和降低风险。此信息包括来自外部的风险信息(如被保险人遭遇绑架，车祸和自然灾害)以及来自内部风险信息(危急生命的身体症状如心电异常，高血压和其他风险)。本发明通过创造保险人与被保险人之间的显性实时信息预警系统实现对来自外部的风险信息(如被保险人遭遇绑架，车祸)和来自内部风险信息(如危急生命的身体症状(心电异常，高血压)进行实时监控。在保险业历史上利用前沿科技手段(信息技术和生物科技)第一次有效地建立了保险人与被保险人之间的显性实时信息连结，形成保险业风险控制新方法。将保险业风险控制阵地大步前移，具有重大经济和社会意义。
背景技术：本发明的技术基础：保险是一种风险管理，它的特殊之处在于：
1)固定收入与将来可能承担无限的责任
2)基于过去的情况可以预测未来的假设进行定价
3)保险准备金的估算基于准备金随着赔款数据信息的成熟而保持”流动性”和不断更新(实时性)的概念之上。
保险公司面临问题的关键是缺乏有效的技术手段建立保险人与被保险人之间的显性实时信息联结。社会快速变化使得外来环境负面影响更会给被保险人带来风险：保险公司无法实时了解这些新的风险，并且无法对风险损失进行控制，这些均对保险业可持续发展构成新挑战。本发明利用无线互联信息科技和生物信息检测技术相结合，建立保险人与被保险人之间的显性信息连结新方法解开束缚人寿保险公司业务迅速发展的瓶颈，减少人寿保险公司的核保成本，放大和加强人寿保险公司的核心竞争力和业务范围。
发明内容：保险人与被保险人之间的显性实时信息预警系统由一个被保险人随身携带的专用蓝芽3G手机系统，一个GPS定位回返系统和无线生理指标监测系统(含心电预警器)组成，实现对来自外部的风险信息(如被保险人遭遇绑架，车祸)和来自内部风险信息(如危急生命的身体症状(心电异常，高血压)，进行实时监控。本发明利用现代信息科技和生物科技相结合，通过互联网络实现管理，对客户进行贴身实时风险预警，向人寿保险公司提供被保险人实时风险信息，由此产生一种适应保险行业特点和客户个性化风险预警需求的，新的，完整的技术方案。在保险业历史上第一次有效地建立了保险人与被保险人之间的显性实时信息连结，形成保险业风险控制新方法。
具体实施方式：(一)建立保险人与被保险人之间的显性实时信息预警系统由一个被保险人随身携带的专用蓝芽3G手机系统，一个GPS定位回返系统和无线生理指标监测系统(含心电预警器)组成。(二)通过互联网络实现管理实现对来自外部的风险信息(如被保险人遭遇绑架，车祸)和来自内部风险信息(如危急生命的身体症状(心电异常，高血压)，进行实时监控。对客户进行贴身实时风险预警，向人寿保险公司提供被保险人实时风险信息。(三)在保险业推广应用一种适应行业特点和客户个性化风险预警需求的，新的，完整的技术方案。
Claims (2)
1.本发明建立了保险人(保险公司)与被保险人(客户)之间的显性实时信息联结，是一种适应保险行业特点和客户个性化风险预警需求的，新的，完整的风险控制方法其特征在于由被保险人随身携带的蓝芽3G手机，GPS定位回返和无线生理指标监测系统(含心电预警)实现对来自外部和自身内部风险信息的实时预警。
2.根据权利要求1所述的本发明具有结合信息技术和生物科技通过互联网络实现管理同时对客户进行贴身实时风险预警和向保险公司提供被保险人实时风险信息的特征。
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105405055A (zh) * | 2008-08-27 | 2016-03-16 | 丁保生 | 安全与环保科技综合性服务系统 |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105405055A (zh) * | 2008-08-27 | 2016-03-16 | 丁保生 | 安全与环保科技综合性服务系统 |
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