JP2002056184A - System and method for insurance contract and examination using network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To shorten the need needed to examine a manufacturing company and to suitably set the insurance rate of PL insurance when the manufacturing company makes a contract of the PL insurance with an insurance company. SOLUTION: When the insurance company 2 and manufacturing company 1 sign up the contract of the PL insurance by using the network 5, the insurance company 2 requests a 3rd party authentication institution 3 to examine the manufacturing company 1, the 3rd party authentication institution 3 examines the states of the product quality management system and product safety management system of the manufacturing company 3, and the insurance company 2 determines insurance rate (rank) according to the examination results of the 3rd party authentication institution 3. Further, when the manufacturing company 2 and insurance company 1 fail to sign up the contract of the PL insurance, the manufacturing company 1 requests a 3rd party inspection institution 4 to inspect the safety level of a specific product that the company has manufactured and then requests the insurance company 2 to change the insurance rate of the PL insurance regarding the specific product according to the inspection result of the 3rd party inspection institution 4.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a network for conducting a PL insurance contract between an insurance company and a manufacturing company through a network, which examines the manufacturing company in order to determine the PL insurance premium rate. The present invention relates to an insurance enrollment / examination system and a method using the same.

[0002]

2. Description of the Related Art The enactment of the PL Law (Product Liability Law) has made it clearer the responsibility of manufacturers for damages to victims in the event of an accident with defective products. Require the purchase of PL insurance sold by insurance companies.

[0003]

However, the conventional PL insurance has a problem that it takes time for an insurance company to examine a manufacturer, and the insurance rate (rank) is limited by the quality management system of the manufacturer. (QMS) system / Product safety management (PS) system is not suitable.

[0004] The present invention has been made in view of the above-mentioned problems of the conventional technology, and when making a PL insurance contract between an insurance company and a manufacturing company, it is necessary to examine the manufacturing company. The time required can be reduced, and P
It is an object of the present invention to provide an insurance enrollment / examination system and a method using a network capable of optimally setting the insurance rate of L insurance.

[0005]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a method for determining an insurance premium rate of an insurance company when the insurance company and the manufacturing company make an insurance contract using a network. A network-based insurance enrollment / examination system for conducting an examination of said manufacturing company, said insurance company having a third party connected to said network and conducting an examination of the status of the management system of said manufacturing company; When requesting an estimate of the insurance from the manufacturer, the company requests the third party to review the status of the management system of the manufacturer via the network, The insurance premium rate of the insurance is determined based on the result.

When the third party examines the status of the management system of the manufacturer, the third party distributes an evaluation system program for performing the assessment to the manufacturer via the network. Then, based on the result of the evaluation system program executed by the manufacturer, a document examination of the status of the management system of the manufacturer is performed.

[0007] The third party is characterized in that it carries out a document examination on the status of the management system of the manufacturing company and also carries out an on-site examination of the manufacturing company.

[0008] In addition, as a result of examining the status of the management system of the manufacturing company, if the examination result satisfies a predetermined standard, the third party accredits the manufacturing company via the network. Issuing a certificate.

[0009] Further, the third party uses electronic settlement on the network when distributing the evaluation system program to the manufacturing company for a fee.

[0010] The insurance company creates an estimate based on the insurance premium rate, and submits the estimate to the manufacturer via the network.
The insurance company is characterized by assessing the quote submitted by the insurance company to determine whether or not the insurance contract is valid.

[0011] Further, when there are a plurality of insurance companies, the manufacturing company requests each of the plurality of insurance companies for an estimate of the insurance via the network, and submits the estimate from each of the plurality of insurance companies. Selecting one of the insurance companies from the plurality of insurance companies based on the written estimate, and contracting the insurance with the selected insurance company.

[0012] When the insurance contract is concluded with the manufacturer, the insurance company periodically checks the status of the management system of the manufacturer through the network. To the third party,
The present invention is characterized in that a periodic examination of the status of the management system of the manufacturing company requested by the insurance company is performed.

[0013] Also, there is a third-party inspection organization connected to the network for inspecting the safety level of a specific product manufactured by the manufacturing company, and the manufacturing company communicates with the insurance company. If the insurance contract is concluded, request the safety inspection of the specified product manufactured by the manufacturing company to the third-party inspection organization via the network, and perform the inspection at the third-party inspection organization. A request is made to the insurance company via the network to change the insurance premium rate for the specific product based on the result.

[0014] Further, the third-party inspection organization inspects the safety level of the specific product, and if the inspection result satisfies a predetermined standard, the third-party inspection organization certifies the manufacturer via the network. Issuing a certificate.

Further, the insurance company creates the evaluation system program in advance and distributes it to the third party through the network.

Also, when there are a plurality of insurance companies, each of the plurality of insurance companies creates the evaluation system program different from each other for each of the insurance companies.

Further, when there are a plurality of insurance companies, the plurality of insurance companies create the evaluation system program common to each insurance company.

Further, the third-party organization tentatively creates the evaluation system program, publishes the evaluation system program to the insurance company via the network, and incorporates opinions from the insurance company to create the evaluation system program. It is characterized by doing.

Further, when there are a plurality of insurance companies, the third-party organization creates the evaluation system programs different from each other for each insurance company.

Further, when there are a plurality of insurance companies, the third party creates the evaluation system program common to each insurance company.

[0021] Further, the third party examines the status of the quality management system and the product safety management system of the manufacturing company as the status of the management system of the manufacturing company.

Further, the third party is ISO9000.
Is a certification organization that issues certification to the manufacturing company, and uses the ISO 9000 certification status of the manufacturing company as the evaluation system program to examine the status of the quality management system system of the manufacturing company. It is characterized by using a programmed program.

When an insurance contract is made between an insurance company and a manufacturing company using a network, the insurance company using the network performs an examination of the manufacturing company to determine the insurance premium rate of the insurance. A step of obtaining information on the insurance by accessing a homepage established by the insurance company on the network in the manufacturing company; Requesting an estimate of the insurance via the network, requesting the insurance company to a third party to examine the status of the management system of the manufacturing company via the network, An evaluation system program for conducting a review of the status of the management system of the manufacturing company from the three And performing self-evaluation of the status of the management system of the manufacturing company in accordance with the evaluation system program distributed from the third-party organization, and executing the self-evaluation result. Reporting to the third party through the network as described above, and the third party examining a document on the status of the management system of the manufacturing company based on the execution result reported from the manufacturing company. And reporting the screening result to the manufacturing company and the insurance company via the network. The insurance company performs the insurance based on the screening result reported from the third party. Determining an insurance premium rate, preparing an estimate based on the insurance premium rate, and submitting it to the manufacturer via the network; And characterized in that it comprises a step of determining whether the assessment by the insurance contract and the submitted quote from the insurance company.

When an insurance contract is made between an insurance company and a manufacturing company using a network, an insurance contract using the network is conducted in which the manufacturing company is examined to determine the insurance premium rate of the insurance. A step of obtaining information on the insurance by accessing a homepage established by the insurance company on the network in the manufacturing company; Requesting an estimate of the insurance via the network, requesting the insurance company to a third party to examine the status of the management system of the manufacturing company via the network, An evaluation system program for conducting a review of the status of the management system of the manufacturing company from the three And performing self-evaluation of the status of the management system of the manufacturing company in accordance with the evaluation system program distributed from the third-party organization, and executing the self-evaluation result. Reporting to the third party through the network as described above, and the third party examining a document on the status of the management system of the manufacturing company based on the execution result reported from the manufacturing company. And reporting the result of the examination to the manufacturer via the network, and both the manufacturer and the third party,
Confirming the assessment result in the third-party organization, and reporting the assessment result from the third-party organization to the insurance company via the network at a stage where the assessment result is satisfactory; Determine the insurance premium rate of the insurance based on the examination result reported from the third party organization, create an estimate based on the insurance premium rate, and submit it to the manufacturing company via the network. And a step in which the manufacturing company evaluates the quote submitted by the insurance company to determine whether or not the insurance contract is valid.

[0025] Further, the third-party certification organization carries out a document examination of the management system of the manufacturing company and conducts an on-site examination of the manufacturing company.

In addition, as a result of examining the status of the management system of the manufacturing company by the third party, if the examination result satisfies a predetermined standard, the third party instructs the manufacturing company. The certification is issued through the network.

Further, when the third-party organization distributes the evaluation system program to the manufacturing company for a fee, electronic settlement on the network is used.

In the case where there are a plurality of insurance companies, each of the plurality of insurance companies may be
Requesting the insurance quote via the network; submitting the insurance quote via the network from each of the plurality of insurance companies to the manufacturing company; Selecting one of the plurality of insurance companies based on the quote submitted by each of the plurality of insurance companies, and determining whether the manufacturing company and the insurance company selected by the manufacturing company are the same. Making the insurance contract between them.

Further, when the insurance contract is established between the insurance company and the manufacturing company, the insurance company periodically notifies the third party of the status of the management system of the manufacturing company. Requesting a review via the network; and performing a regular review of the status of the management system of the manufacturing company by the third party.

Further, when the insurance contract is concluded between the insurance company and the manufacturing company, the manufacturing company instructs a third-party inspection organization on the safety of the specified product manufactured by the manufacturing company. Requesting a level inspection via the network, and performing an inspection of the safety level of the specific product requested by the manufacturer in the third party inspection organization, and sending the inspection result to the manufacturer. Reporting via the network to the manufacturer, the insurance premium rate of the insurance for the specific product based on the safety level inspection result of the specific product reported by the third party inspection organization. Requesting the insurance company through the network for a change of the insurance company.

In addition, as a result of inspecting the safety level of the specified product by the third-party inspection organization, if the inspection result satisfies a predetermined criterion, the third-party inspection organization instructs the manufacturing company. And issuing a certification through the network.

Further, the evaluation system program is prepared in advance by the insurance company and then distributed from the insurance company to the third party.

The evaluation system program is prepared in advance by the third-party accrediting organization, and is then released to the insurance company to take in opinions from the insurance company. It is created by an accredited organization.

When there are a plurality of insurance companies, the evaluation system program is different from each other for each insurance company.

When there are a plurality of insurance companies, the evaluation system program is common to each insurance company.

Further, the third party examines the status of the quality management system system and the product safety management system of the manufacturing company as the status of the management system of the manufacturing company.

In addition, the above third party institution has
0 is issued to the manufacturing company, and a program using the ISO 9000 certification status of the manufacturing company is used as the evaluation system program to examine the quality management system of the manufacturing company. It is characterized by doing.

(Operation) In the present invention configured as described above, when an insurance contract is made between an insurance company and a manufacturing company using a network, the insurance company examines the manufacturing company for the third time. Request to a third party organization and ISO at a third party organization
Using the 9000 certification, etc., the status of the quality management system system and the product safety management system of the manufacturing company are examined, and the insurance company determines the insurance premium rate (rank) based on the results of the examination by a third-party organization. Therefore, the insurance premium rate of the insurance will be set to an optimal rate that matches the quality management system system and the product safety management system of the manufacturer. Also, by using the network,
Immediateness and cost savings can be improved at the time of manufacturing insurance participation / examination.

[0039]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing an embodiment of an insurance subscription / examination system using a network according to the present invention.

As shown in FIG. 1, in this embodiment, a manufacturing company 1, an insurance company 2, a third-party certification organization 3, which is a third-party organization, a third-party inspection organization 4, and a user (general consumer) ) 5 are connected to each other via a network 6 such as the Internet.

The manufacturing company 1 requests the insurance company 2 for a PL insurance (hereinafter, also simply referred to as insurance) guarantee contract.

The insurance that the manufacturing company 1 subscribes to includes the following insurances, for example. Insurance for the entire business of the company (standard size taxable insurance based on the size of the manufacturing company, for example, sales. Rather, it is evaluated based on past performance). Insurance to be applied after the system that manufactures the product is examined. The insurance premium rate of this insurance is determined according to the level of the quality management system (QMS) system and the product safety management (PS) system of the manufacturer, and if the above-mentioned QMS system and PS system are good. Is reduced. The product itself is inspected (evaluated) for safety, and based on the results of the inspection, insurance such as renovation work insurance is insured for each product.

The third-party certification organization 3 receives the examination request from the insurance company 2 and examines (verifies and verifies) the level of the QMS system and the PS system of the manufacturer 1 as the management system of the manufacturer 1.
Accredited), and ISO 9000 certification organizations are usually eligible.

The third-party inspection organization 4 inspects (evaluates) the safety level of each product manufactured by the manufacturing company 1.
In general, an organization accredited by the Product Safety Act or an organization similar thereto is eligible.

The insurance company 2 determines the insurance premium rate according to the examination result at the third-party certification organization 3 or the evaluation result at the third-party inspection organization 4.

The operation of the insurance subscription / examination system using the network configured as described above will be described below with reference to the flowchart. In the following description, it is assumed that the network 6 is the Internet, and the network 6 is referred to as the Internet 6.

FIG. 2 is a flowchart for explaining a method of joining / examining insurance using a network, using the insurance joining / examination system using the network shown in FIG.

First, the manufacturing company 1 accesses an HP (homepage) established by the insurance company 2 on the Internet 6, and obtains insurance information such as PL insurance conditions from the HP (step S1). In addition, this insurance information includes
Includes information on estimation conditions required by insurance company 2 at the time of estimation.

Next, the manufacturing company 1 refers to the obtained insurance information, selects any PL insurance from the various insurances sold by the insurance company 2, requests a quote for the selected PL insurance, and An application (trust of acceptance of examination) is made to the insurance company 2 through the Internet 6 (step S2).

At this time, the manufacturing company 1
According to the estimation conditions obtained from the company, the status of the company's QMS system and PS system are
In addition to the self-report, if the company has obtained ISO 9000 certification, it reports data such as the certification organization and certification number to the insurance company 2 through the Internet 6.

Here, the insurance company 2 starts the examination of the manufacturing company 1 by using the third-party certification organization 3 in order to determine the insurance rate (rank). In order to confirm the status of the QMS system of the manufacturing company 1, ISO9000 certification and the status of the PS system of the manufacturing company 1 are used.

That is, the insurance company 2 has the Q
A request is made to the third party certification organization 3 through the Internet 6 for examination of the status of the MS system (ISO 9000 certification) and the PS system (step S3).

The third-party certification organization 3 is the QMS of the manufacturer 1
When a request for examination of the status of the system and the PS system is received from the insurance company 2, the QMS system and the PS
A system evaluation system program (hereinafter referred to as a QMS / PS system program) is distributed to the manufacturer 1 through the Internet 6 for a fee or free of charge (step S4). When the QMS / PS system program is distributed for a fee, electronic payment on the Internet 6 is used.

Next, the manufacturing company 1 performs a self-evaluation according to the QMS / PS system program distributed from the third-party certification organization 3, and sends the self-evaluation result to the third-party certification organization 3 through the Internet 6 as an execution report. By submitting a report to the third party, the third party certification body 3 is requested to perform an examination (step S5).

Next, the third-party certification organization 3 conducts a document examination of the status of the QMS system (ISO 9000 certification) and the PS system of the manufacturer 1 that has received the examination request in accordance with the execution report transmitted from the manufacturer 1. Implementation, and the result of the examination is reported to the manufacturer 1 through the Internet 6,
This is also reported to the insurance company 2 (step S6).

At this time, the third party certification organization 3
In addition to conducting a document review (evaluation) in accordance with the implementation report of the document reported by the company, the company may also go to the manufacturing company 1 and carry out an on-site review in some cases. For example, if an on-site audit finds a major discrepancy with the document review,
By recommending the insurance company 2 to impose a penalty, such as an increase in the insurance premium rate, on the manufacturer 1, the accuracy of the documents submitted by the manufacturer 1 is increased, and the reliability of the document screening is improved.

As a result of examining the status of the QMS system and the PS system of the manufacturing company 1, the third party certification body 3 determines that the QMS system and the PS system of the manufacturing company 1 satisfy the predetermined standards. A certificate is issued to the manufacturing company 1 through

Next, the insurance company 2 determines the insurance premium rate based on the examination result reported from the third-party certification organization 3 and creates an estimate, and sends the created estimate to the manufacturer 1 via the Internet 6. (Step S7).

Next, the manufacturing company 1 evaluates the estimate submitted by the insurance company 2 and decides whether or not to make an insurance contract (step S8).

When there are a plurality of insurance companies, the manufacturing company 1 requests a plurality of insurance companies for an insurance quote, and based on the quotes reported from each of the plurality of insurance companies, any one of the insurance companies. By choosing a company, you can buy insurance that is cheap, efficient, or fits your mindset.

At step S8, the manufacturing company 1 and the insurance company 2
When the insurance contract is concluded with the insurance company 2, the insurance company 2 periodically reviews and reports whether one of the contract conditions, that is, the level of the QMS system and the PS system of the manufacturer 1 is maintained. A request is made to the third party certification organization 3 through the Internet 6 (step S9).

The third-party certification organization 3 periodically examines the status of the QMS system and the PS system of the manufacturing company 1 requested by the insurance company 2, and sends the results of this examination to the Internet 6.
The report is made to the manufacturing company 1 and the insurance company 2 through (step S10). The insurance company 2 determines the necessity of changing the insurance rate from the contents of the report. If it is determined in the report that the QMS system and PS system at the time of the initial contract have declined, it will be considered to increase the rate. On the other hand, if the result of the report is likely to affect the change in the insurance rate, the manufacturer 1 can voluntarily create an improvement plan for the defective item and execute it. Become.

On the other hand, the manufacturing company 1 requests the third-party inspection organization 4 to inspect the safety level of a specific product manufactured by itself through the Internet 6 (step S1).
1).

The third-party inspection organization 4 performs an inspection of the safety level of the specific product requested by the manufacturer 1 and reports the inspection result to the manufacturer 1 and the insurance company 2 through the Internet 6. At the same time, if the specific product satisfies a predetermined standard, a certificate is issued to the manufacturer 1 through the Internet 6 (step S12).

When the manufacturer 1 receives a report from the third-party inspection organization 4 that the safety level of the specific product has passed, the manufacturer 1 reduces the premium rate for repair work for the specific product through the Internet 6. Request to insurance company 2.
(Step S13).

Thereafter, the manufacturing company 1 determines the quality of the QMS / PS system, the certificate issued by the third-party certification organization 3 or the third-party inspection organization 4, and the high evaluation rank of the insurance company 2 (insurance Low rate = low risk = proof of security), etc. on the HP etc. directly,
It can be used as a means for motivating the user 5 to purchase a product.

In the present embodiment, insurance company 2 has a QMS /
Although the configuration for creating the PS system program has been described, in the present invention, first, the third party certification body 3
A configuration may be adopted in which the S / PS system program is tentatively created and disclosed to the insurance company 2, and the third party certification organization 3 completes the QMS / PS system program by taking in opinions from the insurance company 2. In this case, the third party certification body 3 sells the right to carry out the examination in accordance with the standard of the created QMS / PS system program to the insurance company 2 under a contract.

The insurance company 2 or the third-party certification organization 3
If there are multiple insurance companies, QMS common to each insurance company
/ PS system program or a QMS / PS system program for each insurance company.

Also, in this embodiment, in step S6, the QMS
The structure in which the examination results of the system and the PS system are reported to the manufacturing company 1 and the insurance company 2 has been described.
First, the manufacturer 1
To the manufacturing company 1 and third party certification body 3
Only when both parties are satisfied with the assessment result, the third party certification body 3 may report the assessment result to the insurance company 2.

[0071]

As described above, in the present invention,
When making an insurance contract between an insurance company and a manufacturing company using a network, the insurance company requests a third-party organization to examine the manufacturing company, and the third-party organization uses ISO 9000 certification, etc. And conduct a review of the status of the quality management system and product safety management system of the manufacturing company.
The insurance rate (rank) is determined by the insurance company based on the results of the examination by a third-party organization. Therefore, the insurance rate of the insurance is optimized for the quality management system system and the product safety management system of the manufacturing company. Can be set to something.

When an insurance contract is concluded between the manufacturer and the insurance company, the manufacturer requests a third-party inspection organization to inspect the safety level of a specific product manufactured by the manufacturer. Since the manufacturer is required to request the insurance company to change the insurance premium rate for the specified product based on the inspection results of the third-party inspection organization, for example, the manufacturer If the inspection organization reports that the safety level of the specified product has passed, the insurance company can request the insurance company to reduce the premium rate such as renovation insurance for the specified product. Can be set to be more optimal.

Further, in the case of a manufacturing company, if the result of the examination by a third-party organization is a certain level or more, the insurance premium rate will be reduced, thereby reducing costs. In addition, by informing users that these low insurance rates can be insured, we can use them in advertising as one of the proofs that products are safer and contribute to sales. Can be.

Also, in the case of an insurance company, the risk of contracting the insurance with the manufacturer is reduced by the third party examining the manufacturer, so that the insurance premium rate should be reduced. It is possible to increase the number of manufacturing companies that take out insurance.

In addition, in a third-party organization, the economic merit of obtaining ISO 9000 certification by a manufacturing company becomes clearer, so that the insurance premium rate of the insurance that the manufacturing company insures is reduced, and as a result, the ISO 9000 certification is obtained. Desired manufacturing companies increase.

In addition, the third-party inspection organization can secure the inspection work of the product safety level, can accumulate know-how of the product safety through this inspection, and can also provide the product to the outside. By conducting seminars on effective methods of safety (horizontal deployment)
The technical level of safety in society as a whole can be improved.

Further, when a user purchases a product from a manufacturer, the safety of the product is determined by whether the manufacturer or the product has insurance, and whether the manufacturer has a third party. It can be determined based on whether a certificate has been issued from a third party or a third-party inspection organization, and the level of the assessment rank (insurance rate) of the insurance.

Further, in the conventional system, it takes time and money to send a document for document examination by mail or the like at the time of insurance purchase / examination of the manufacturing company.
Since the network is used at the time of the insurance purchase / examination of the manufacturer, the immediacy and the cost saving can be improved, so that many document examinations can be carried out.

Further, in the case where a third-party organization conducts a document examination of a manufacturer and conducts an on-site examination, when a large discrepancy with the document examination is found in the on-site examination, for example, By imposing a penalty on the manufacturing company by the insurance company, such as increasing the insurance premium rate, according to the proposal of the above, it is thought that this will motivate the manufacturing company to improve the accuracy of the submitted documents, thereby improving the quality of the document screening.

[Brief description of the drawings]

FIG. 1 is a diagram showing an embodiment of an insurance subscription / examination system using a network according to the present invention.

FIG. 2 is a flowchart for explaining an insurance subscription / examination method using a network, using the insurance subscription / examination system using the network shown in FIG. 1;

[Explanation of symbols]

 1 Manufacturing company 2 Insurance company 3 Third-party certification organization 4 Third-party inspection organization 5 User (general consumer) 6 Network

Claims (33)

[Claims] When an insurance contract is made between an insurance company and a manufacturing company using a network, the insurance company using the network performs screening of the manufacturing company to determine the insurance premium rate of the insurance. In the / examination system, the insurance company has a third party that is connected to the network and performs an examination of the status of the management system of the manufacturing company, and the insurance company requests the insurance quote from the manufacturing company. Requesting the third party to review the status of the management system of the manufacturing company via the network, and determining the insurance premium rate of the insurance based on the result of the review by the third party. An insurance subscription / examination system using a network. 2. The insurance enrollment / examination system using a network according to claim 1, wherein the third party conducts an examination of a status of a management system of the manufacturing company when the examination is performed. And distributing the evaluation system program to the manufacturing company via the network, and performing a document examination on the status of the management system of the manufacturing company based on the result of the execution of the evaluation system program in the manufacturing company. An insurance subscription / examination system using a network. 3. The insurance enrollment / examination system using a network according to claim 2, wherein the third-party organization performs a document examination of the status of the management system of the manufacturing company and a local site of the manufacturing company. An insurance enrollment / examination system using a network characterized by conducting an examination. 4. The insurance enrollment / examination system using a network according to claim 2 or 3, wherein the third party examines the status of the management system of the manufacturing company, and the examination result is An insurance enrollment / examination system using a network, wherein a certification is issued to the manufacturing company via the network when a predetermined standard is satisfied. 5. The insurance subscription / examination system using a network according to claim 2, wherein the third party distributes the evaluation system program to the manufacturing company for a fee. In this case, an insurance subscription / examination system using a network, wherein electronic settlement on the network is used. 6. The insurance subscription / examination system using a network according to claim 2, wherein the insurance company creates a quote based on the insurance premium rate, and creates the quote. Submit to the manufacturing company via the network, the manufacturing company assesses the quote submitted from the insurance company to determine whether or not the insurance contract, insurance using a network characterized by that Subscription / examination system. 7. The insurance subscribing / examination system using a network according to claim 6, wherein, when there are a plurality of the insurance companies, the manufacturing company sends a request to each of the plurality of insurance companies via the network. Request the insurance quote, select one of the plurality of insurance companies based on the quote submitted from each of the plurality of insurance companies, the insurance company with the selected insurance company An insurance subscription / examination system using a network, characterized by making a contract. 8. An insurance enrollment / examination system using a network according to claim 6, wherein the insurance company, when the insurance contract is established with the manufacturing company, the manufacturing company Requesting the third-party organization through the network for a periodic review of the status of the management system, and the third-party organization periodically checks the status of the management system of the manufacturing company requested by the insurance company Insurance / examination system using a network characterized by performing a comprehensive examination. 9. The insurance enrollment / examination system using a network according to claim 6, wherein the security level of a specific product connected to the network and manufactured by the manufacturing company is determined. Having a third-party inspection organization that performs the inspection, the manufacturing company, when the insurance contract is established with the insurance company, the safety level inspection of a specific product manufactured by the manufacturing company, the said Request to the third-party inspection organization via a network, and change the insurance premium rate of the insurance relating to the specific product based on the inspection result at the third-party inspection organization to the insurance company via the network An insurance enrollment / examination system using a network characterized by making a request. 10. The insurance enrollment / examination system using a network according to claim 9, wherein the third-party inspection organization inspects a safety level of the specific product, and as a result, the inspection result meets a predetermined standard. An insurance subscription / examination system using a network, wherein a certification is issued to the manufacturing company via the network if satisfied. 11. The insurance enrollment / examination system using a network according to claim 2, wherein the insurance company creates the evaluation system program in advance and sends the evaluation system program to the third party. An insurance subscription / examination system using a network, wherein the system is distributed via the network. 12. The insurance subscription / examination system using a network according to claim 11, wherein when there are a plurality of insurance companies, each of the plurality of insurance companies is different from each other in each of the insurance companies. An insurance subscription / examination system using a network, characterized by creating a program. 13. The insurance subscription / examination system using a network according to claim 11, wherein when there are a plurality of insurance companies, the plurality of insurance companies create the evaluation system program common to each insurance company. An insurance subscription / examination system using a network characterized by: 14. The insurance subscription / examination system using a network according to any one of claims 2 to 10, wherein the third party tentatively creates the evaluation system program and sends the evaluation system program to the insurance company. An insurance participation / examination system using a network, wherein the system is made public through the network and the opinions from the insurance company are taken in to create the evaluation system program. 15. The insurance enrollment / examination system using a network according to claim 14, wherein, when there are a plurality of insurance companies, the third-party organization executes the evaluation system programs different from each other for each insurance company. An insurance enrollment / examination system using a network characterized by being created. 16. The insurance enrollment / examination system using a network according to claim 14, wherein, when there are a plurality of insurance companies, the third party creates the evaluation system program common to each insurance company. An insurance subscription / examination system using a network characterized by: 17. The insurance enrollment / examination system using a network according to claim 2, wherein the third-party organization includes a quality management system system of the manufacturing company and a status of a management system of the manufacturing company. An insurance enrollment / examination system using a network, which performs an examination of the status of the product safety management system. 18. The insurance enrollment / examination system using a network according to claim 17, wherein the third party is a certification organization that issues ISO 9000 certification to the manufacturing company, and the evaluation system program. An insurance enrollment / examination system using a network, characterized in that a program utilizing the ISO 9000 certification acquisition status of the manufacturer is used to examine the status of the quality management system system of the manufacturer. 19. In the case where an insurance contract is made between an insurance company and a manufacturing company using a network, the insurance company using the network performs screening of the manufacturing company to determine the insurance premium rate of the insurance. A step of obtaining information on the insurance by accessing a homepage established by the insurance company on the network at the manufacturer; and Requesting an estimate of the insurance via the network; requesting the third party from the insurance company to review the status of the management system of the manufacturing company via the network; An evaluation system program for conducting a review of the status of the management system of the manufacturing company from the three And performing self-evaluation of the status of the management system of the manufacturing company in accordance with the evaluation system program distributed from the third-party organization. Reporting to the third-party organization via the network as described above; and, in the third-party organization, examining documents on the status of the management system of the manufacturing company based on the execution results reported from the manufacturing company. And reporting the screening result to the manufacturing company and the insurance company via the network; and the insurance company based on the screening result reported from the third party by the insurance company. Determining an insurance premium rate, preparing a quote based on the insurance premium rate, and submitting the estimate to the manufacturer via the network; , Insurance / examination method using the network, characterized in that it comprises the steps of: determining whether or not the insurance contract to assess the submitted quote from the insurance company. 20. When an insurance contract is made between an insurance company and a manufacturing company using a network, an insurance contract using the network is conducted in which the manufacturing company is examined to determine an insurance premium rate of the insurance. A step of obtaining information on the insurance by accessing a homepage established by the insurance company on the network at the manufacturer; and Requesting an estimate of the insurance via the network; requesting the third party from the insurance company to review the status of the management system of the manufacturing company via the network; An evaluation system program for conducting a review of the status of the management system of the manufacturing company from the three And performing self-evaluation of the status of the management system of the manufacturing company in accordance with the evaluation system program distributed from the third-party organization. Reporting to the third-party organization via the network as described above; and, in the third-party organization, examining documents on the status of the management system of the manufacturing company based on the execution results reported from the manufacturing company. Performing the step of reporting the result of the examination to the manufacturer via the network, and confirming the assessment result of the third party at both the manufacturer and the third party, Reporting the assessment result from the third party to the insurance company via the network when the assessment result is satisfactory; Determining the insurance rate of the insurance based on the examination result reported from a third party, creating a quote based on the insurance rate and submitting the estimate to the manufacturer via the network; Assessing the quote submitted by said insurance company at said manufacturing company to determine whether or not said insurance contract is acceptable. 21. The insurance enrollment / examination method using a network according to claim 19 or 20, wherein the third-party certification organization performs a document examination of a management system of the manufacturing company, and An insurance enrollment / examination method using a network, which conducts on-site inspection of a manufacturer. 22. The insurance subscription / examination method using a network according to claim 19, wherein the third party examines the status of the management system of the manufacturing company. If the examination result satisfies a predetermined standard, a certificate is issued from the third party to the manufacturing company via the network, and the insurance subscription / examination method using the network is provided. 23. The insurance subscription / examination method using a network according to claim 19, wherein the evaluation system program is distributed to the manufacturing company from the third party for a fee. In this case, an insurance subscription / examination method using a network, wherein electronic settlement on the network is used. 24. The insurance subscription / examination method using a network according to any one of claims 19 to 23, wherein when there are a plurality of insurance companies, the manufacturing company issues a request to each of the plurality of insurance companies. Requesting the insurance quote via the network; and submitting the insurance quote via the network from each of the plurality of insurance companies to the manufacturing company. A company, selecting any one of the plurality of insurance companies based on a quote submitted by each of the plurality of insurance companies; and the manufacturing company and the insurance company selected by the manufacturing company. Making the insurance contract with the insurance company. 25. The insurance enrollment / examination method using a network according to claim 19, wherein the insurance contract is established between the insurance company and the manufacturing company. Requesting, from the insurance company, the third-party organization to periodically review the status of the management system of the manufacturing company via the network; and Performing a regular examination of the status of the insurance. 26. The insurance enrollment / examination method using a network according to claim 25, wherein when the insurance contract is established between the insurance company and the manufacturer, a third party inspection is performed by the manufacturer. Requesting, via the network, an inspection of the safety level of a specific product manufactured by the manufacturing company, and the third-party inspection organization, the specific product requested by the manufacturing company Performing a safety level inspection and reporting the inspection result to the manufacturer via the network; and, at the manufacturer, the safety of the specific product reported from the third party inspection organization. Requesting the insurance company via the network to change the insurance premium rate for the specific product based on the test result of the gender level. Insurance / examination method using the network, characterized. 27. The insurance enrollment / examination method using a network according to claim 26, wherein, as a result of inspecting the safety level of the specific product by the third-party inspection organization, the inspection result is based on a predetermined standard. If it satisfies, a certificate is issued from the third party inspection organization to the manufacturing company via the network, and the insurance subscription / examination method using the network is provided. 28. The insurance subscription / examination method using a network according to any one of claims 19 to 27, wherein the evaluation system program is created in advance by the insurance company, and then the insurance company Insurance distribution / examination method using a network, wherein the method is distributed to the third party. 29. The insurance subscription / examination method using a network according to any one of claims 19 to 27, wherein the evaluation system program is provisionally created in advance by the third party accredited organization, An insurance enrollment / examination method using a network, wherein the method is created by the third party accredited organization after being disclosed to the insurance company and incorporating opinions from the insurance company. 30. The insurance subscription / examination method using a network according to any one of claims 19 to 29, wherein when there are a plurality of insurance companies, the evaluation system programs are mutually different for each insurance company. An insurance subscription / examination method using a network characterized by different characteristics. 31. The insurance subscription / examination method using a network according to any one of claims 19 to 29, wherein when there are a plurality of insurance companies, the evaluation system program is common to each insurance company. An insurance subscription / examination method using a network characterized by: 32. The insurance subscription / examination method using a network according to any one of claims 19 to 31, wherein the third-party organization sets a status of the management system of the manufacturing company as the status of the manufacturing company. An insurance participation / examination method using a network, characterized by conducting a review of the status of the quality management system system and product safety management system. 33. The insurance subscription / examination method using a network according to claim 32, wherein the third party issues ISO 9000 certification to the manufacturing company, and the evaluation system program includes: In order to examine the quality management system system of the manufacturing company, the IS
An insurance enrollment / examination method using a network, characterized by using a program utilizing the status of O9000 certification.