JP2000309178A - Insurance table and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance table which shows easily understandable details of the entire status of individual subscribers to insurance. SOLUTION: Different sheets are prepared for every different kinds of accidents to be covered by fire insurance, automotive insurance, traffic injury hospitalization insurance and the insurable amount of the sum of accidents under each classification is shown. In addition, another different sheet as a sheet for insurance premiums is prepared to show the total amount of premiums. Further, another different sheet as a sheet for insurance as an asset is prepared to show a total amount of assets.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention provides a detailed description of the insurance status of each individual, such as non-life insurance and life insurance.
In addition, the present invention relates to an insurance quick reference table and a recording medium that are presented in an easily understood manner.

[0002]

2. Description of the Related Art Conventionally, at the time of taking out insurance, it is the present condition that each person keeps his / her certificate and keeps it as it is. Insurers generally manage only their own insurance on a per-certificate basis, and for screening at the time of enrollment, a function to calculate the total amount of insurance for high-value insurance on an insured basis. Is to some extent.

[0003]

However, it is rare that an ordinary person has only one insurance.
It is not unusual to see a few to a dozen cases, including all insurance, from forced recruitment, going out with friends or being encouraged by sales people to get in somehow. In this case, it is troublesome to know how much insurance you are paying and how much security is guaranteed in the event of an accident. Few people actually know these things accurately.

[0004] For this reason, it is not understood exactly whether the amount of security in the case of disability, illness, death or the like is appropriate for the present and future ones, that is, whether the insurance enrollment situation is appropriate. is the current situation.
Even for insurance companies, they do not know the total insurance status of customers including those of other companies, so they do not know what kind of security is lacking and how much, and it is recommended that they should definitely join Even so, they can't be convinced what kind of insurance they should recommend, so they can't sell powerfully. In view of the above problems, an object of the present invention is to provide an insurance quick reference table and a recording medium that present the entire insurance enrollment status in a detailed and easy-to-understand manner.

[0005]

The insurance chart of the present invention is as follows.
A plurality of sheets each having a column for entering or displaying a total amount for each type of accident for security against accidents are provided for a plurality of types of accidents. In addition, by providing a sheet having a column for entering or displaying the insurance premium of each insurance and the total amount thereof, it is possible to present the insurance premium details of the insurance premium in an easily understandable manner. Furthermore, by providing a life insurance premium sheet and a non-life insurance premium sheet, it is possible to separately present life insurance and non-life insurance premiums.

[0006] Further, by providing a sheet having a column for entering or displaying each asset of insurance as an asset and the total asset amount obtained by summing those assets, it is possible to present the entirety of insurance as an asset in an easy-to-understand manner. Can be. In addition, the present invention provides a computer-readable insurance look-up table in which a plurality of sheets each having a column for entering or displaying a total amount for each type of accident are provided for a plurality of types of accidents. Recording medium.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will be described below in detail with reference to the accompanying drawings. FIG.
FIG. 3 is a diagram showing a sheet corresponding to a table of contents of an insurance quick reference table according to one embodiment of the present invention. Each item shown here represents the title of each sheet shown in FIG. In other words, fire insurance, car insurance, traffic disability hospitalization security, traffic disability hospitalization security, traffic disability death security, disability hospitalization security, disability hospitalization security, disability death security, and illness as life insurance Death security, illness hospitalization security, cancer hospitalization security, life and income security, nursing care security, nursing care security, and insurance as property. Each has at least two,
Desirably, each item is associated with each sheet in a color for each item, and the user can see the sheet corresponding to the item by opening the sheet corresponding to the color of the item to be viewed. Each sheet shown in FIG. 2 and subsequent figures is a sheet of A4 size as a prototype, each table is printed right-justified, and a perforation is provided on the left to form a cut line, and the right of the cut line, that is, the left of the cut sheet, 6 holes are provided so that a paper file can be created.
File in size. However, since the table of contents in FIG. 1 is for indexing, it may be A5 size.

FIG. 2 is a view showing a fire insurance seat which is one of the non-life insurance fields. The title of "Fire Insurance" is on the upper left shoulder, and the contractor and location are on the right in order, and the row below it has a title explaining the contents of each cell. In other words, go to the right column for the insurance company, the beginning of the insurance (Heisei / Month / Heisei), the amount of security, and the right column for the security number, insurance type, and the end of the insurance (Heisei / Month / Year). Yes, go to the right column, pay period (annual), go to the right column, pledge setting (no, yes), borrower (no, yes ()), 2
There is a 4 hour reception service. In the first column, the contents of the security are further described in pairs with the amount of the security. That is, for example, building earthquake insurance (10,000 yen), building (10,000 yen), household property earthquake insurance (10,000 yen), household goods (10,000 yen), and the like. Further, the last row of the first column describes that the total security amount (10,000 yen) is shown. In addition, a column will be provided to describe special contracts and features. One sheet for one fire insurance (one certificate). The perforations, six holes, and folds are as described in FIG. 1, and the same applies to the following sheets. This table may be stored and stored in a spreadsheet system and printed as needed. The same applies to the following sheets.

FIG. 3 is a view showing a car insurance seat. The form is the same as “Fire Insurance” in FIG. 2, and the following sheets have the same basic form of the number of rows, the number of columns, the line spacing, and the column spacing. The title is "Auto Insurance", the first line is the contractor, the driver's age, and the title in the first column is
The registration number is entered between the insurance company and the beginning of insurance, and
The title in the fourth column is the payment period (annual) and the accident-free discount (discount / surcharge%), and the fifth column is the airbag /
ABS (No / Yes), Family Only (No / Yes ()).
Examples of the security contents in the first column include vehicle insurance,
Personal compensation, objective compensation, and passenger disability. The last line exemplifies a liability insurance (personal compensation only) (death 30 million yen, injury 1.2 million yen). One sheet for one car insurance (one certificate).

FIG. 4 is a view showing a sheet for securing a hospitalization for a traffic obstacle. The title is “Traffic Disability Hospitalization Security”, the first row is the contractor and the insured, the first and second columns are the same as in FIG. 3, the title in the third column is the insurance type, The payment period and the end of insurance (Heisei / Month / Year (year))
The fourth column shows the condition (more than one day of hospitalization (disclaimer), one day of hospitalization,
The column for the total number of days, the day after hospital discharge, and the fifth column are features. The last line illustrates the total security amount. This sheet can describe three insurances (three certificates).

The outpatient security for traffic obstacle is in the same form as that of FIG.
The difference is that the condition column in the column is "1 hospital day, total day limit." The road injury death security has the same form as that shown in FIG.
The difference is that the condition column of the column is blank (can be arbitrarily described). The insurance for hospitalization for road traffic disorders, the security for hospitalization for road disorders and the security for death from road injury include life insurance, car insurance, disability insurance, post office (simple insurance), and the like. For example, the death insurance for road injury includes death insurance for life insurance, passenger insurance for car insurance, death insurance for road injury insurance, and death insurance for post offices.

[0012] The disability hospitalization security has the same form as that shown in Fig. 4, and the title is "Disability hospitalization security", and "Car insurance for passengers with disability and traffic disability insurance is not described." Please refer to "", which clarifies that it does not include the hospitalization for traffic barriers. This sheet also includes life insurance disability hospitalizations.

The disability outpatient security is in the same form as the above-mentioned traffic disability outpatient security, and the title is "disability outpatient security". Also, in the margin, "automobile insurance for passenger disability insurance and traffic disability insurance are not listed. Please refer to the accident disability insurance coverage ”to make clear that it does not include traffic accident disability insurance coverage. In general, life insurance does not cover outpatients, so there is no life insurance.

[0014] The disability death security has the same form as the above-mentioned traffic disability protection, and the title is "Disability death protection", and "Car insurance for passenger disability and traffic disability insurance are not listed." Please refer to "Injury and death insurance".

FIG. 5 is a view showing a sickness and death guarantee sheet which is one of the life insurance fields. It is the same form as the above-mentioned traffic accident death security, except that the title is "Illness death security". FIG. 6 is a diagram showing a sheet for sickness hospitalization security. It is the same form as the traffic barrier hospitalization security of FIG. 4, the title is “Illness hospitalization security”, a note “Excluding cancer” is entered in the margin, and the cancer hospitalization security is not included in this sheet. The difference is that they are clear. Therefore, in the case of cancer hospitalization, it is necessary to add the guarantee of this sheet and the guarantee of cancer hospitalization shown in FIG.

FIG. 7 is a diagram showing a sheet for cancer hospitalization guarantee. This is the same form as the traffic barrier hospitalization security of FIG. 4, except that the title is “Gun hospitalization security” and the feature column is described as “Surgery security with diagnostic benefits”. In general, there is no guarantee of hospitalization for non-cancer diseases, because there is no guarantee for hospitalization for non-cancer diseases. The life and income security is the same form as the sickness and death security of FIG. 5, except that the title is "life and income security" and the unit of security amount is "¥ 10,000".

The nursing care security has the same form as the sickness and death security shown in FIG. 5, except that the title is "nursing care security" and the unit of the amount of security is "¥ 10,000". This seat comes from both life and non-life insurance.
The Ikuei Security also has the same form as the Illness and Death Security of FIG. 5 except that the title is “Ikuei Security” and the unit of the amount of security is “¥ 10,000”. This sheet contains things that give festive money when entering junior high school.

The insurance as an asset has the same form as the insurance for sickness and death shown in FIG. 5, except that the title is “insurance as an asset” and the total security amount is “total asset amount”. This sheet has a built-in type, for example, 10
Annual endowment insurance, whole life insurance, and family road disability insurance cover 500,000 yen with a 5-year maturity. This insurance as an asset often overlaps with other guarantees, and excludes pure lump-sum insurance such as car insurance.

FIG. 8 shows a non-life insurance sheet. The non-life insurance sheet is not shown in the table of contents in FIG. Therefore, it is desirable to file before the table of contents sheet. This sheet lists insurance premiums for non-life insurance. The title is “General Insurance”, the first line is the policyholder and the insured,
The columns are insurance company, insurance start date (March, Heisei),
The second column shows the insurance premium (yen), the third column shows the insurance type and the end of insurance (March, Heisei (year)), and the fourth column shows the payment method (monthly payment / annual payment / single payment), payment The period (up to the annual paid age), and the fifth column is the security number and telephone number. The last line exemplifies a monthly premium (yen) and an annual premium (yen) as the total premium. This sheet can describe four insurances (four certificates). Life insurance is also not listed on the table of contents, and it is desirable to file it before the table of contents. This sheet lists life insurance premiums. The form is the same as the non-life insurance of FIG. 8, except that the title is "life insurance".

To summarize the configuration of each seat described above, different seats are provided for each type of accident, such as fire insurance, car insurance, and hospitalization for traffic disorder, and the total amount of security for each type of accident is displayed. . In addition, a sheet different from the others is provided as a premium sheet, and the total of the premium is displayed. The premium sheet may be further divided into life insurance and non-life insurance. Further, a sheet different from the others is provided as “insurance as an asset” to display the total assets.

Each sheet described above as an example may be made of paper, or may be a spreadsheet system (Microsoft Ex.
cel, etc.). In the case of an electronic configuration, the recording medium takes the form of a recording medium on which data including the sheet is recorded. As a recording medium, for example,
Any type of recording medium such as a magneto-optical disk, a hard magnetic disk, a flexible magnetic disk, a magnetic tape, an IC card, and a RAM may be used. Note that the present invention is not limited to the above embodiment.

[0022]

As described above, according to the present invention, the entire insurance enrollment status can be presented in a detailed and easy-to-understand manner. This allows insurance sales to be objectively persuasive.

[Brief description of the drawings]

FIG. 1 is a diagram showing a sheet corresponding to a table of contents of an insurance quick reference table according to an embodiment of the present invention.

FIG. 2 is a diagram showing a fire insurance seat which is one of the non-life insurance fields.

FIG. 3 is a diagram showing a car insurance seat.

FIG. 4 is a diagram showing a sheet for securing a traffic disorder hospitalization.

FIG. 5 is a diagram showing a sickness and death guarantee sheet, which is one of the life insurance fields.

FIG. 6 is a diagram showing a sheet for sickness hospitalization security.

FIG. 7 is a view showing a sheet for cancer hospitalization guarantee.

FIG. 8 is a diagram showing a non-life insurance sheet.

[Explanation of symbols]

 11, 21, ‥‥‥, 81 perforation 12, 22, ‥‥‥, 826 hole 23, 33, ‥‥‥, 83 fold 24, 34, ‥‥‥, 84 fold

Claims (5)

[Claims] 1. An insurance quick reference table provided with a plurality of sheets each having a column for entering or displaying a total amount for each type of accident for security against accidents corresponding to a plurality of types of accidents. 2. The insurance quick reference table according to claim 1, further comprising a sheet having a column for entering or displaying the insurance premium of each insurance and the total amount thereof. 3. The insurance quick reference table according to claim 2, further comprising a life insurance premium sheet and a non-life insurance premium sheet. 4. The insurance quick reference table according to claim 2, further comprising a sheet having a column for entering or displaying each asset of insurance as an asset and a total asset amount obtained by adding the assets. 5. An insurance quick reference table comprising a plurality of sheets each having a column for entering or displaying a total amount for each type of accident, which is provided for a plurality of types of accidents. Computer readable recording medium.