JP2001256351A - Partial rebate refund system for insurance premium of insurance article - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system which refunds part of a payed premium to a person who has made plural insurance contracts. SOLUTION: This system is featured by a name gathering step for gathering the names of plural insurance contracts made by the same insurant when the insurant has made the contracts with the same insurance company, a calculation reference day determination step for determining calculation reference days by the insurance contracts, a total insurance decision step for deciding the total insurance of insurance contracts meeting certain conditions among the contracts of the same contractor which are valid at the calculation reference day of each insurance contract, a refund amount decision step for deciding a refund amount by multiplying the insurance of each contract by a refund rate determined by the total insurance, and a refund step for refunding the amount calculated in the refund amount decision step to the insurance contractor.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention is intended to refund a part of the insurance premium paid to a plurality of insurance contracts in various life insurance and non-life insurance products. About the system.

[0002]

2. Description of the Related Art Basically, in an insurance contract, the insurance premium B to be paid increases as the insurance amount A increases. That is, the main component of the insurance premium B is determined by the total of the commission cost X, which is a fee including the management cost of the insurance company, and the insurance resource appropriation funding resource Y allocated to the contract insurance payment resources (X + Y = B Relationship), insurance appropriation resources Y
Is due to the relationship that increases in direct proportion to the increase in the insurance amount A.

However, out of insurance premium B, commission cost X
Does not increase in direct proportion to the increase in insurance amount A after deducting the basic cost therefrom. For example, if a policyholder takes out one insurance policy with an insurance amount of 30 million yen and one insurance policy with an insurance amount of 60 million yen, simply The latter is not necessarily twice as expensive as the former. In other words, under the condition that an insurance contract is concluded by the same person, the ratio of the commission cost X to the insurance premium B decreases relatively as the insurance amount A increases.

Therefore, conventionally, when the insurance amount A increases, the insurance company does not determine the insurance premium B that is simply proportional to the increase, but discounts the insurance premium as the insurance amount A increases. By taking measures to increase the rate, the unfairness due to the amount of insurance was corrected.

[0005]

According to the above-mentioned measures, fair treatment among policyholders is realized according to the amount of insurance for each insurance policy unit. In the case where the user subscribes to the service, despite the same problems as described above, the situation cannot be dealt with.

FIG. 1 shows an example of a collective model 10 for subscribing one insurance contract for an insurance amount of 60 million yen and a distributed model 11, 12, 13 for subscribing three insurance contracts for an insurance amount of 20 million yen. showed that. The insurance amount of the package model 10 is 60 million yen, and the total insurance amount of the three cases of the dispersion models 11, 12, and 13 is the same as 60 million yen. The insurance premiums of each model are shown as B ', B1, B2, B3, and each insurance premium is composed of commission costs X', X1, X2, X3 and insurance fund allocation resources Y ', Y1, Y2, Y3. It has become so.

Here, in the case of the split models 11, 12, and 13, the total of the insurance premiums B to be paid to the insurance company is the sum of the individual insurance premiums B1 + B2 + B3. B '. As a matter of course, the insurance premium B 'has an insurance amount of 60 million yen, so the premium discount rate which is more preferential than the insurance premiums B1, B2 and B3 of the distribution models 11, 12, and 13 is applied. . Therefore, when comparing the lump-sum model with the diversification model, it is unreasonable that the advantageous premium discount rate that was applied in the lump-sum model is not applied in the diversification model because it is diversified into three contracts. Results. This suggests that, from the policyholder's point of view, despite the fact that the insurance contract with the same insurance company has substantially the same type of insurance, one or more insurance contracts are concluded. The consequence is that it is disadvantaged for purely formal reasons.

On the other hand, from the viewpoint of the insurance company, the calculation of the commission costs X ', X1, X2, and X3 of the insurance company does not cause a significant cost increase simply because the number of insurance contracts increases. It is. Once the customer data is recorded, the data can be used for another contract with the same person, and in this sense the data management effort can be considerably reduced.
For these reasons, there has been a long-awaited need to eliminate the above-mentioned irrationality in order to enhance customer appeal.

Therefore, in the present invention, when there is an insurance contractor who has concluded a plurality of insurance contracts by himself, the insurance contractor consolidates them into one and concludes the same amount of insurance contract. It is an object of the present invention to solve all the above problems by providing a system capable of substantially reducing unfairness between them as compared with the case.

[0010]

Means for Solving the Problems As a step for solving the problems of the present invention, first, according to the first aspect, the same policyholder concludes a plurality of insurance contracts with the same insurance company. In this case, there is a name identification step for identifying multiple insurance contracts by the same contractor, a calculation base date fixing step for determining the calculation base date for each of the plurality of insurance contracts, and A total insurance amount determination step of determining the total insurance amount for an insurance contract with certain conditions among a plurality of named contracts of the same policyholder coexisting at the time of the calculation base date, and for each of the total insurance amount, A refund amount determining step of determining a refund amount by multiplying the defined refund rate by the insurance amount of the contract, and returning the refund amount calculated in the refund amount determining step to the insurance policyholder. Characterized by comprising the refund steps of a refund system rebate part of premiums in the insurance product.

[0011] The partial rebate refund system for insurance premiums in the insurance product according to the first aspect of the present invention can provide a fine refund to the same policyholder who has subscribed to a plurality of insurances and can refund the same. To offer attractive insurance products. Thus, it can contribute to the economic benefits of policyholders who have multiple insurance policies, which were previously disadvantaged solely for the formal reasons of the number of contracts,
It is characterized by eliminating unfair treatment due to the number of insurance contracts, thereby improving the appeal of this type of insurance product and enhancing customer appeal.

Further, according to the present invention, at the time of the calculation reference date in each insurance contract, basic factors for determining a refund amount change (for example, cancellation of an insurance contract, enrollment of a new insurance contract) and other fluctuation factors. Even in the event that this happens, we can respond simply, clearly and fairly to each policy holder,
There are also effects such as stable operation of the system and enhancement of reliability.

[0013] In the invention according to claim 2, when the same policyholder has concluded a plurality of insurance contracts with the same insurance company, a merger judgment for merging a plurality of insurance contracts by the same policyholder is provided. A step of determining a calculation base date for each of the plurality of insurance contracts; and a step of determining a calculation base date for each of the plurality of insurance contracts. Of these, for an insurance contract with certain conditions, the total premium determining step of determining the total premium and a refund rate determined by multiplying the insurance premium of the policy by a refund rate predetermined for each total premium And a refund step of refunding the refund calculated in the refund determination step to the policyholder. Which is part rebates refund system.

The invention described in claim 2 is the first invention.
Instead of the step of determining the total insurance amount, the determination step based on the calculation of the refund based on the premium paid to the insurance company is adopted, and the other contents are the same as those of the first aspect. According to the second aspect of the present invention,
Features equivalent to those of the first aspect are recognized.

Further, in the invention according to claim 3, in the case where the same policyholder has concluded a plurality of insurance contracts with the same insurance company, a merger judgment for merging a plurality of insurance contracts by the same policyholder is provided. A step of determining a calculation base date for each of the plurality of insurance contracts; and a step of determining a calculation base date for each of the plurality of insurance contracts. Of these, for an insurance contract with certain conditions, the total insurance amount and the total insurance premium determining step for determining the total insurance amount and the total insurance premium, and a refund rate predetermined for each of the total insurance amount and the total insurance premium A refund determining step of determining a refund by multiplying the insurance amount and the insurance premium of the contract,
A refund step of refunding the refund calculated in the refund determination step to the policyholder in question.

The third aspect of the invention is characterized in that the steps of determining the total insurance amount and the step of determining the total insurance premium of the first and second aspects are used together, and the other contents are the same as those of the first aspect. Or, there is no difference from the second embodiment. According to the third aspect of the invention, features equivalent to those of the first or second aspect are also recognized.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, a first embodiment of a system for partially rebating insurance premiums for insurance products according to the present invention will be described in detail, but the present invention is not limited thereto. FIG. 2 shows a flowchart of the first embodiment of the system of the present invention.

First, the insurance products in the present invention generally correspond to life insurance products and non-life insurance products. Next, the same policyholder in an insurance contract refers to the same holder whose address and name match in principle.However, due to the type of insurance contract and the policy of the insurance company, the scope of the same holder is expanded. It is also possible to deal with a married couple (which may include an intimate relationship), or even with relatives living together within second degree.

Next, the same insurance company refers to a company that provides the insurance product and, in a formal sense, an insurance company that concludes an insurance contract, but has a capital-parent relationship as necessary. It is also possible to treat such a parent company and a subsidiary, or even an affiliated company that has a consolidated accounting relationship, as the same insurance company. The scope of insurance contracts to which this system is applied is the range of each product group of the same type of life insurance or the same type of non-life insurance, but products with significantly different processing methods in the management of insurance operations, for example, the content of special agreements are extremely In such cases, the system may not be included in the category of insurance contract to be applied.
In any case, the range is appropriately determined under conditions that do not depart from the gist of the present invention. This is the condition for selecting the contracts that have been named to be actually counted.

First, in the present invention, a name identification determining step 1 for identifying a plurality of insurance contracts of the same policyholder is performed. This name identification determination step 1 narrows down the conditions of the contract by the same person from the customer management data and makes it possible to use the specified customer number without fail to make the name identification possible, and is stored as the same contractor as the electronic data of the system. You. The range of the same contractor is as described above.

The insurance contract to which the present invention is applied is an insurance contract in a range where the commission cost Y of the insurance contract does not increase more than usual, and the range depends on the type of insurance, special conditions attached thereto, and the like. Determined. In order to prevent inconsistency in interpretation between the insurance company and the policyholder regarding whether or not the policy is included in the insurance policy to which the present invention is applied, for example, the contract It is preferable to confirm in advance such as adding a special contract concerning the total.

Next, a calculation reference date determination step 2 for determining a calculation reference date for each of the plurality of insurance contracts is performed. The calculation reference date is a date that is used as a reference for determining whether or not multiple insurance contracts are subscribed and for determining a refund amount, which will be described later. It is necessary to take into account the subsequent contract performance period, so that a date after a certain period elapses from the contract conclusion date is set for each insurance contract. In consideration of administrative convenience, customer satisfaction, etc., for example, it is conceivable that the anniversary date is one year after one year from the contract date. It is freely possible to set a condition for any elapsed period such as months or one year and three months. The method of determining the calculation reference date is also a condition for selecting a contract to be actually counted from the named contracts.

Next, a total insurance amount determination step 3 for determining the total insurance amount of all the insurance contracts of the same policyholder coexisting at the calculation base date for each insurance contract unit is performed. A description will be given with reference to a time chart of FIG. Here, three insurance contracts coexist, of which the first insurance contract 21 (insurance amount of 20 million yen) is Heisei 1
The second insurance contract 22 (insurance amount of 40 million yen) was concluded on October 1, 2000, and the third insurance contract 23 (insurance amount of 70 million yen) was concluded on April 1, 2000. An example signed on July 1, 2013 is shown.

If the calculation base date of the insurance contract is one year after the conclusion of the insurance contract, the first calculation base date of the first insurance contract 21 is April 1, 2001, and the second calculation base date is the second. The first calculation date for insurance contract 22 is October 1, 2001
The first calculation base date of the third insurance contract 23 is July 1, 2002.

The total insurance amount as of the first calculation base date of the first insurance contract 21 is 20 million yen because only the first insurance contract satisfies the condition of one year elapsed, and the second insurance contract 22 In addition, the third insurance contract 23 has a shortage of conditions (the third insurance contract has not been concluded at this stage in the first place), and the conditions for benefiting from the total treatment of contracts have not yet been achieved.

Next, the total insurance amount as of the first calculation reference date of the second insurance contract 22 is 2 since the first insurance contract 21 and the second insurance contract 22 satisfy the conditions.
10 million yen + 40 million yen = 60 million yen.

Further, as for the total insurance amount as of the first calculation base date of the third insurance contract 23, the first insurance contract 21, the second insurance contract 22, and the third insurance contract 23 satisfy the condition. Therefore, 20 million yen + 40 million yen + 70 million yen = 130 million yen. As described above, the total insurance amount is determined.

Next, a refund amount determining step 4 is carried out to determine the refund amount by multiplying the total insurance amount by a predetermined refund rate. Here, the refund rate is predetermined to achieve the purpose of the present invention, and it is practical to change the refund rate in several steps according to the total insurance amount. An example is shown below. (Total insurance amount) (Refund rate) Total insurance amount of 30 million to less than 50 million yen per 100,000 yen 180 yen 50 million yen to less than 100 million yen 240 yen 100 million yen or more 360 yen

Under the above conditions, when the amount of the refund is calculated on the first calculation base date of the above-mentioned second insurance, it is calculated as 40 million yen × 240
¥ 1,000,000 = ¥ 9,600. Further, when the refund amount is calculated as of the first calculation base date of the third insurance described above, it becomes 70 million yen × 360 yen ÷ 1 million yen = 25,200 yen. The above amount is the refund amount (cashback) for each contract.

Next, a step 5 of refunding the refund calculated in the refund determining step to the policyholder is performed. To be specific, this refund is accumulated in the policyholder's account provided by the insurance company, or processed by remittance to the policyholder's account, but instead of this method, a voucher is issued, It is also possible to take measures to cover the premium paid for new insurance.

The second embodiment of the present invention is as described in claim 2. Specifically, the total insurance amount determining step 3 in the first embodiment is replaced with a total insurance premium determining step. In place of Further, a third embodiment of the present invention is as described in claim 3, wherein
And the configuration of claim 2 is adopted. In addition to using the insurance amount as the basis for the judgment, using the insurance premium as the basis for the judgment, or using both together is also included in the gist of the present invention. However, the treatment based on the insurance amount is convenient from the operation of the actual system.

[0032]

As described above, according to the system for partially refunding insurance premiums of the insurance product of the present invention, it is attractive that a detailed refund can be calculated and refunded to the same policyholder who has subscribed to a plurality of insurances. Provide insurance products.
Therefore, it is possible to contribute to the economic benefits of policyholders, which was previously disadvantaged only for the formal reason of the number of contracts, and to eliminate the unfair treatment of the number of insurance contracts, thereby reducing this type of insurance. This has the effect of improving the appeal of the product and increasing the appeal to customers.

Further, according to the present invention, at the time of the calculation reference date in each insurance contract, basic data for determining the refund amount changes (for example, cancellation of an insurance contract, participation of a new insurance contract) and other fluctuation factors. Even in the event that this happens, we can respond simply, clearly and fairly to each policy holder,
There are also effects such as stable operation of the system and enhancement of reliability.

[Brief description of the drawings]

FIG. 1 is a graph showing a breakdown of insurance premiums.

FIG. 2 is a flowchart of a first embodiment of the system of the present invention.

FIG. 3 is a time chart showing a coexistence state of a plurality of insurances.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Name determination step 2 ... Calculation base date determination step 3 ... Total insurance amount determination step 4 ... Refund amount determination step 5 ... Refund step 10 ... Collective model 11, 12, 13 ... Distributed model 21 ... First insurance contract 22 ... 2 Insurance contracts 23 ... Third insurance contract

Claims (3)

[Claims] In the case where the same policyholder has concluded a plurality of insurance contracts with the same insurance company, a name identification determining step of merging a plurality of insurance contracts by the same policyholder; A calculation base date determination step for determining a calculation base date for each insurance contract, and a certain number of contracts of the same policyholder who co-exist at the calculation base date of the contract for each insurance contract with certain conditions For an insurance contract, a total insurance amount determining step of determining the total insurance amount, and a refund amount determining step of multiplying the insurance amount of the contract by a refund rate predetermined for each of the total insurance amounts to determine the refund amount A refund step of refunding the refund calculated in the refund determination step to the policyholder. system. 2. A name identification judging step for identifying a plurality of insurance contracts by the same policyholder when the same policyholder has concluded a plurality of insurance policies with the same insurance company. A calculation base date determination step for determining a calculation base date for each insurance contract, and a certain number of contracts of the same policyholder who co-exist at the calculation base date of the contract for each insurance contract with certain conditions For the insurance contract, a total premium determining step of determining the total premium, and a refund determining step of multiplying the premium of the contract by a refund rate predetermined for each total premium to determine a refund amount And a refund step of refunding the refund amount calculated in the refund amount determination step to the policyholder. . 3. A name identification determining step for identifying a plurality of insurance contracts by the same policyholder when the same policyholder has concluded a plurality of insurance policies with the same insurance company. A calculation base date determination step for determining a calculation base date for each insurance contract, and a certain number of contracts of the same policyholder who co-exist at the calculation base date of the contract for each insurance contract with certain conditions Regarding the insurance contract, the total insurance amount and the total premium determining step for determining the total insurance amount and the total premium, and the refund rate predetermined for each of the total insurance amount and the total insurance
A refund determining step of determining a refund by multiplying the insurance amount and the insurance premium of the contract, and a refund step of refunding the refund calculated in the refund determining step to the policyholder. Refund system for insurance premiums on insurance products.