GB2323060A

GB2323060A - A pre-paid insurance card

Info

Publication number: GB2323060A
Application number: GB9804517A
Authority: GB
Inventors: Nobutaka Yoshida
Original assignee: Individual
Current assignee: Individual
Priority date: 1997-03-10
Filing date: 1998-03-03
Publication date: 1998-09-16
Anticipated expiration: 2018-03-03
Also published as: GB9804517D0; CA2230579C; GB2323060B; CH692525A5; CA2230579A1; IT1299365B1; FR2760406A1; ITRM980138A0; JP3325195B2; ITRM980138A1; DE19808049A1; FR2760406B1; JPH10250277A

Abstract

The card 1 is printed with information 2-6 concerning the nature of the insurance with a blank area 7 where the insured can write personal information such as name and address. The card is pre-paid and used as a gift to the insured. A magnetic stripe and bar code on the reverse of the card record machine-readable information.

Description

2323060

Title of the Invention

Prepaid card of damage insurance Background of the Invention

Field of the Invention

The present invention relates to a prepaid card of damage insurance suited to be used as a gift.

-he Related Art Description of t

The damage insurance is to compensate for the loss caused by an incidental accident, and various new damage insurances are presented recently depending on the objects of insurance, such as accidents within school facilities, sports accidents, accidents during volunteer activities and flight accidents. combination of object damage insurance, human injury insurance, and indemnity insurance, and the contract takes effect only when the details of the insurance amount, insurance period, insured amount payment condition and others are specified and written in the insurance policy.

This kind of damage insurance tends to be unified and formatted in the insurance contract contents, but it is not easy for a layman to contract an insurance, and it was necessary to fill in the complicated format by visiting the insurance company or its agent. Therefore, if a person These damaae insurances are often 1 wished to buy a damage insurance, it was not easy to contract, and it was impossible to prepay the premium and use as a gift to a third party. For the insurance companies, hence, while promoting the formatting, it was impossible to sell in mass.

The invention is devised in the light of the above problems, and it is an object thereof to present a prepaid card of damage insurance capable of contracting a damage insurance easily, usable as a gift, and capable of selling massively.

Summary of the Invention

To achieve the object, the invention provides a card comprising an information memory unit for recording the insurance type, insured amount, and insurance period, so as to be used as an insurance policy when presented by the buyer to the insurance company, and each card is sold in a specified state by designating by symbol or number, but the buyer is not specified when it is sold.

According to the invention, the damage insurance can be contracted easily. Besides, it is not required that the person playing the premium and the insured person should be identical, and it can be used as a gift to other person, and mass selling is possible.

2 Brief Description of the Several Views of the Drawings

Fig. 1 is a face side view showing a prepaid card of damage insurance.

Fig. 2 is a back side view showing the prepaid card of damage insurance in Fig. 1.

Detailed Description of the Preferred Embodiment

An embodiment of the invention is described by referring to the drawings. Fig. 1 is a face side view showing a prepaid card of damage insurance, and Fig. 2 is a back side view of the same prepaid card.

This prepaid card 1 is a card used as both insurance application form and insurance policy of damage insurance, and the basic information of damage insurance is recorded and displayed. An applicant is supposed to fill in the columns of name, address, date of birth, telephone number and others.

This prepaid card is prepared in every type of insurance corresponding to different objects of insurance, including physical loss during shopping, school accidents, sports accidents, accidents during volunteer activities, flight accidents, journey accidents, etc.

An example of a card covering a sports injury is explained below.

This prepaid card 1 is a rectangular form made of hard 3 plastic material, and is easy to carry. The face side la has columns for insurance type 2, insured amount 3, premium payment 4, insurance period 5, number display 6, and insured person's information including name, address, date of birth and telephone number 7, and the back side 1b has columns for magnetic recording 8, insurance outline 9, barcode 10, and insurance company 12.

The type display area 2 of the face side la shows printing of "sports injury insurance card" indicating that this card 1 covers a sports injury insurance. The insured amount display area 3 prints the insured amount, and the premium payment display area 4 shows that the premium has been paid when this card is sold. For example, the amount showing the paid premium is printed. When this prepaid card 1 is purchased, if injured during sports activity, the insurance company pays the insured amount according to the indicated insured amount.

The insurance period display area 5 indicates the insurance period from the date of application (that is, the contract date of the insurance). For example, the period of 3 days or 30 days from application is printed already. The number display area 6 prints the number or symbol for identifying this specific card, and each card is identified with different number so that the card and the insured person can be identified. The insured person's information 4 I- display area 7 is a blank area in this card, in which the applicant (the insured person) can write the own identification information, such as the name, address, date of birth, and telephone number, in a permanent manner by using ball-point pen or other writing tool so that the information may not be easily deleted or altered. The user fills in this column with the name and other information, and reports to the insurance company together with the card number specified in the number display area 6, and the effect as the sports injury insurance takes places. This column also has a space 7a for entering the authorization number and date noticed from the insurance company when filing for contract. This is an example of sports injury insurance, but similar setting and display may be applied in sports tool insurance or sports indemnity liability insurance.

The magnetic recording area 8a of the back side 1b records information about the damage insurance, that is, the type of damage insurance, insured amount, premium, and insurance period, and the barcode area 10 records the number information of this card. The insurance outline display area 9 prints important matters about the content of this sports injury insurance, and mentions cautions about handling of the card. The valid term of the card is indicated in an area 11, and the effective period of the card itself, whether the insurance is contracted or not, is indicated, and it is explained that the insurance contract is not effective unless within the valid term. In the insurance company display area 12 at the bottom, the name, address and telephone number of the insurance company are printed. Part or whole of the information indicated on the back side may be also indicated on the face side of the card.

At the insurance company, the same information as in the magnetic recording area 8 and barcode area 10 of the card is registered in the own computer, and when the card number and name are reported from the user, the contract is established by processing. In the event of an accident, the user claims the payment of insured amount by presenting the card, and the insurance company reads the magnetic recording area 8 and barcode area 10 of the card by the own computer, and confirms the insurance contract, and promptly proceeds to pay the insured amount.

Thus formed prepaid card 1 is presented to general users from the insurance company through its agents, with the insured person's display area 7 in blank space, together with the guide and policy of the insurance. In this prepaid card 1, the person who pays the premium and the insured person may not be always the same, but the user fills in the insured person's information display area 7 6 with the name and others at the time of use, and reports to the insurance company together with the name, card number, starting period and others, so that the contract takes effect.

This prepaid card I is formulated so that the specific insured amount designated in the insured amount display area 3 is paid after routine procedure when a sports injury is reported, upon occurrence, to the insurance company by presenting the prepaid card, so that application and contract of insurance may be extremely easy.

Therefore, the prepaid card 1 may be handed over in exchange for payment of the premium, so that itmay be handled as a gift at department store, convenience store or the like. This prepaid card 1 is suited to mass selling, and when various types of damage insurance are formatted and sold, it may be applied in wide fields. More over, the payment of premium is finished before actually contracting the insurance, and it may be reported to the insurance company when starting the sports activity or when boarding an airplane. As a result, various types of damage insurance may be utilized very easily.

7 C3 AI lea:

1 A prepaid card of damage insurance, being a card bearing an information recording area for recording the insurance type, insured amount and insurance period, and usable as insurance policy when noticed by the user to the insurance company, wherein each card is sold in a specified state by identifying with symbol or number, and the insured person is not specified when it is sold.

2. A prepaid card of claim 1, wherein the card bears a type display area printing the type of damage insurance, an insured amount display area printing the insured amount, an insurance period display area printing the insurance period, and a number display area printing the symbol or number identifying the card.

3. A prepaid card of claim 2, wherein the card also has a blank area for insured person's information, and in this insured person's information area, the owner of the card writes down the information to be noticed to the insurance company when contracting the damage insurance.

4. A prepaid card of claim 3, wherein the insured person's information display area further bears columns for writing down the contract application date, and the authorization number noticed from the insurance company when applying for the contract.

8 5. A prepaid card of claim 3, wherein the information to be noticed to the insurance company includes the name of the insured person, address, date of birth, and telephone number.

6. A prepaid card of claim 2, wherein the insurance type, insured amount and insurance period are magnetically recorded in the information recording area.

7. A prepaid card of claim 6, wherein the symbol or number for identifying the card is printed in the card, and it is also recorded so as to be read also by machine.

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