JP2002334215A - Insurance reconsideration proposal supporting method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance reconsideration proposal supporting method permitting well-balanced reconsideration proposals against various kinds of risks at the time of the reconsideration proposal of an already contracted insurance. SOLUTION: Processings provided with the step S60 of obtaining the appropriation of compensation by insurance proposals presented by one or two or more insurance companies for the reconsideration proposal of the insurance based on the evaluation of the already contracted insurance and the step S80 of outputting at least the appropriation and the joining amount of the insurance regarding the insurance proposal are performed in a computer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a computer-aided insurance review proposal support method.

[0002]

2. Description of the Related Art
Insurance product proposals are based on information on the age of participation, income, family composition, property possession, etc., for individual insurance products that are broadly classified as life insurance and non-life insurance. This was done by proposing a content that could fully compensate for this. Under such a proposal, the person receiving the compensation proposal would know the amount of compensation to be paid in the event of a loss to be paid for each insurance product, but would not be able to It was not possible to know whether the compensation amount was distributed in a balanced manner.

[0003] In addition, with the liberalization of the financial and insurance industries, various insurance products have been provided today, and proposals including review of existing insurance are desired. In taking into account the diversified lifestyles, the aging society with a low birth rate, and the social background such as the collapse of sustainable and stable economic growth, various losses (risks) that individuals may suffer throughout their lives are considered. It is hoped that it is well-balanced with due consideration.

Accordingly, it is an object of the present invention to provide an insurance review proposal support method capable of providing a well-balanced review proposal for various risks when reviewing existing insurance.

[0005]

SUMMARY OF THE INVENTION The present invention comprises the steps of determining the adequacy of coverage by an insurance proposal presented by one or more insurance companies to an insurance review proposal based on an assessment of in-force insurance; The object has been achieved by providing an insurance review proposal support method that uses a computer to perform at least a process of outputting the applicability and the insurance subscription amount related to the insurance proposal.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The insurance review proposal support method of the present invention will be described below based on a preferred embodiment.

[0007] The insurance review proposal support method of the present invention comprises the steps of: determining the applicability of compensation based on insurance proposals presented by one or more insurance companies to an insurance review proposal based on the evaluation of existing insurance. A step of outputting at least the applicability and the insurance subscription amount (grant) related to the insurance proposal.

[0008] The content of the review proposal disclosed to the insurance company is based on the redistribution of compensation for each risk based on the excess or deficiency of compensation (insurance) for each loss (risk) to be covered by the insurance. (Optimization of appropriability) and optimization of the subscription amount. In other words, if the coverage of existing insurance is insufficient for the required costs required in the event of a loss, changes to the coverage of existing insurance to compensate for this, This is a proposal for a new insurance contract to be added to the contents of the insurance coverage or a new insurance contract after the existing insurance is canceled, and the necessary expenses required in the event that a loss occurs in the existing insurance. If the amount is excessive, the content of the proposal is to change the content of the compensation to reduce the compensation or to propose a new insurance contract after canceling the existing insurance. It is preferable to disclose only the minimum necessary information for the insurance proposal from the viewpoint of the privacy of the person receiving the review proposal.

In the present invention, the contents of the insurance review proposal are disclosed to the insurance company, and an insurance proposal with compensation for the insurance review proposal is presented by the insurance company. The insurance company that presents the content of the review proposal is not particularly limited, but is preferably presented to a specific insurance company including a contract insurance company of existing insurance. The method of disclosing the contents of the insurance review proposal to the insurance company includes, for example, a method of notifying the insurance company from the computer by so-called e-mail and disclosing the information, and the method of constructing the insurance review proposal from the computer on the Internet. To the web server (web application server), and the web server discloses the content of the insurance review proposal,
A method of allowing an insurance company to access the web server, input a personal identification number, and browse the web server, and the like. In particular, the latter method is preferable in that an insurance proposal with compensation for the review proposal can be presented on an auction basis. Such disclosure processing of the contents of the insurance review proposal may be performed using the computer as a web server.

In the present invention, the insurance proposal presented by the insurance company is preferably held in the computer. A method of taking the insurance proposal into the computer is, for example, a method of directly inputting the contents of the insurance proposal into the computer or taking the contents, or receiving the insurance proposal from the web server via the Internet and taking it into the computer. Can be used.

The applicability of the compensation provided by the insurance proposal presented by the insurance company can be determined for each risk in the same manner as the applicability output at the time of the review proposal. In this case, when there are insurance proposals from a plurality of insurance companies, it is preferable to determine the applicability of compensation based on the insurance proposals of each insurance company and the applicability of compensation when the insurance proposals of each insurance company are combined.

The applicability of the compensation by the insurance proposal presented by the insurance company and the method of outputting the insurance subscription amount related to the insurance proposal are not particularly limited. It is preferable to perform output display and print display on a print medium.

In the insurance review proposal support method of the present invention, when there are insurance proposals from a plurality of insurance companies, the appropriability for each insurance proposal and the compensation for combining the insurance proposals of each insurance company are provided. It is preferable to perform ranking based on appropriability and output the appropriability and the recruitment amount according to the ranking. The method of ranking based on the appropriability is not particularly limited, but is preferably performed by the following method, for example. First, the risks classified as described later are ranked in order from the one that the person who receives the review proposal gives priority to, and a predetermined ranking point is given to each of the ranked risks. Next, according to the ranking, the applicability of the compensation by the two insurance proposals is compared for each risk, and the ranking point is given to any one of the insurance proposals having excellent applicability to each risk. Then, after comparing all the risks, the ranking points are added to all the two insurance proposals to calculate a total ranking point, and the applicability of each of the two insurance proposals is determined based on the total ranking point.
The applicability of these two insurance proposals is judged for all insurance proposals and for the combination of insurance proposals,
All insurance proposals (including combination insurance proposals) are ranked based on the appropriateness of compensation.

[0014] The insurance review proposal support method of the present invention preferably includes a step of notifying the insurance company or its agent of an intention to join the insurance related to any of the insurance proposals. As a method of notifying the intention to join such insurance, for example, a method of notifying by e-mail through a so-called network, a method of constructing a web server on the Internet and joining the insurance related to the insurance proposal on the web server And a method of allowing the insurance company or its agent to enter a personal identification number to browse the disclosure.

In the present invention, life insurance, accident insurance (fire, earthquake), life insurance, accident insurance,
Various insurance products provided by life insurance companies and non-life insurance companies such as automobile insurance, labor insurance, cancer insurance, long-term care insurance, personal annuities, and liability insurance (so-called insurance products in the first to third fields) ). Further, the existing insurance may include two or more insurance products belonging to the same or different fields. However, the existing insurance covers voluntary insurance and excludes so-called compulsory insurance (for example, liability insurance, employment insurance, etc. for vehicles such as automobiles).

In the present invention, as described later, the evaluation of the existing insurance policy is performed in such a manner that the distribution of insurance money can be evaluated in a well-balanced manner in accordance with the loss that may be incurred throughout personal life. It is preferable that, for each target loss, it is based on the appropriateness of the required expenses required when the loss occurs, with the insurance money paid when the loss occurs.

The required cost is calculated according to the loss (risk) for which the insurance money is to be paid, as described later.
The calculation information used for calculating the necessary expenses includes personal information of the insured person, family information of the insured person, parameters such as the new Hoffman coefficient, Leibniz coefficient, daily hospitalization, compensation information for nursing care, and , Rent liability, statistical data such as answers to questionnaires, and the like. The personal information includes the insured's annual income, deposit, borrowed money and its annual repayment or current assets, valuation of buildings owned by the insured, valuation of household goods, vehicle price of vehicles, valuation of fixed assets, etc. No.
The family information includes the family structure of the insured (family relationships,
(Number of people, age), presence or absence of support, type of residence (whether home or leased house, single house or apartment), and the like.

As the information for calculating the required cost, for example, information provided by a person who receives an evaluation of the insured insurance (for example, an insured person or a policyholder), the workplace of the insured person, and the like can be used. .

The insurance money to be paid based on the contract insurance can be obtained from the contract insurance information. The insurance information includes, for example, the address, name, age, gender and date of birth of the insured, the type and type of the insurance product, the name of the insurance company, the security number, the contract period (start and end), and the payment. Insurance premiums (monthly, bonus term or annual amount), amount of insurance money to be paid (insurance for each loss subject to payment described below), address, name, age, gender, date of birth, etc. of the policyholder No.

As the contracted insurance information, for example, information provided by a person who is evaluated for contracted insurance, an insurance company or its agent, or the like can be used.

In the insurance evaluation, when there is a compensation paid in addition to the insurance money when the loss occurs (hereinafter, also referred to as a non-insured compensation money).
Preferably, the amount of the compensation is excluded from the required cost. Here, the insured non-insurance compensation includes insurance money that is paid by the person without intention and without the person making an insurance contract, for example, insurance money or compensation paid in the event of an aircraft accident or the like. Not included.

The out-of-contract insurance coverage is calculated based on the information on the out-of-contract insurance coverage calculation (out-of-contract insurance coverage information). The insured non-insurance compensation information includes personnel information of the insured at the place of work, personal information of the insured, family information of the insured, and, for example, whether all retirement benefits are to be retired. And the like.
The personnel information includes, for example, the date of entry of the insured person to the work place, the salary, affiliation and position of the insured person at the work place, a lump-sum retirement allowance model table of the work place, and the insured person. And a condolence model based on personnel divisions at the place of work, regulations of a welfare system, and the like.

As the non-contracted insurance coverage information, for example, information provided by a person who is evaluated for the contracted insurance, a work place of the insured, or the like can be used.

In the evaluation of the insurance, the applicability of the required cost (or the pure required cost) by the insurance money to be paid based on the existing insurance is determined by calculating the amount of the insurance money by the required cost (or It is preferably calculated as a percentage divided by the pure necessary cost). Here, the amount of the insurance money to be paid based on the existing insurance policy used for calculating the allocation rate is obtained by adding the amount of the insurance money for each loss to be paid. That is,
If there are multiple insurance products under insurance contracts and there is a common loss to be paid in these multiple insurances, the sum of the common losses is used. Preferably, the allocation rate is calculated for each loss for which the insurance money is to be paid. When the losses are further subdivided as described later, it is preferable that the arithmetic average of the filling rates of the subclassified losses is used as the appropriation rate of each loss.

The allocation rate calculated in this way is output so that the excess or deficiency of the insurance money can be recognized. The output form of the appropriation rate is not particularly limited.For example, the appropriation rate for each loss is preferably output in a radar chart with each loss as an axis. It is preferable to output a bar graph corresponding to each of the finely classified losses.

In the insurance evaluation, it is preferable to evaluate the insurance in a plurality of stages according to the ratio of the allocation rate. In addition, the evaluation based on the appropriation rate is preferably performed by a plurality of step evaluations for each of the classified losses, when each of the classified losses is subdivided as described later. The evaluation based on the appropriation rate is preferably output in various output devices such as a table in various output devices.

It is preferable that the loss (risk) for which the insurance money is paid is classified into, for example, death, hospitalization, nursing care, property preservation and liability as shown in FIG. By classifying in this way, it is evaluated whether or not it corresponds to the loss that may be incurred throughout the life of the insured, regardless of the conventional categories (fields) such as life insurance and non-life insurance. Can be easily performed. These losses (risks) are further subdivided as follows, and the required cost and the amount of the insured non-insurance compensation are calculated for each of these subclasses.

1. Mortality risk Mortality risk corresponds to the loss from illness or accidental death, depending on the reason for death, sickness death, cancer death,
It is further subdivided into casualties, traffic accidents, car accidents and work-related fatalities. The required cost for mortality risk is calculated based on the lost profit from death, regardless of the sub-classification. In the present embodiment, the lost profit is specifically determined by the following equation (1). Here, the new Hoffman coefficients are shown in the table (Source:
New Japan Law Publishing Co., Ltd., November 1990 edition) can be used.

[0029]

(Equation 1)

Since the value of the new Hoffman coefficient varies depending on the age of the insured, the lost profit and the necessary cost for the death calculated based on the lost profit differ depending on the age.

The necessary cost for the death risk is a pure necessary cost excluding the compensation from the required cost if the non-insured non-insurance compensation is paid when a loss due to death occurs. Is preferred. Here, the insured non-insurance compensation paid when a loss due to death occurs includes, for example, death and severance pay (lump sum or pension), condolence money paid from the work place of the insured person. , Orphans 'pensions, survivors' pensions, etc.

These death and retirement allowances, condolence allowances, orphans 'pensions, survivors' pensions, etc. are calculated based on the personnel information provided by the insured person's office, and specifically calculated as follows. You.

The death retirement allowance is calculated, for example, based on a lump-sum retirement allowance model table (by service years or by salary). The condolence money is calculated from a condolence money model table based on, for example, the personnel category of the insured person. Childcare and childcare pensions are calculated using formulas that are appropriate to the plan. For example, according to the number of orphans, a predetermined amount (for example, 72 years-
Multiplied by 10,000 yen). The survivor's pension is the monthly salary at the time of death and retirement of the insured and the spouse (wife)
For example, the monthly salary, a predetermined coefficient, and the spouse's pension receiving start age (for example, 65
Age) minus the age of the spouse.

2. Hospitalization risk Hospitalization risk corresponds to hospitalization due to illness or accident, loss due to hospitalization, sickness hospitalization, adult illness hospitalization, cancer hospitalization, injury hospitalization, traffic accident hospitalization according to the reason for hospitalization. And further classified into hospitalized car accidents. If the insured is a woman, this sub-classification of outpatient risk can further include a female illness admission. The required cost for the hospitalization risk is calculated based on statistical data obtained by answering a questionnaire for persons who have actually been hospitalized. Specifically, for example, hospitalization of 10,000 to 3000
It is calculated as 0 yen, going to the hospital 3000 yen, etc. The required cost for hospitalization risk is the pure required cost excluding the compensation from the required cost, if the insured non-insurance compensation is paid when loss due to hospitalization risk occurs. Is preferred. Here, the non-contracted insurance coverage paid when a loss due to hospitalization risk occurs includes, for example, automobile liability insurance, worker's accident compensation insurance, and the like.

3. Nursing care risks Nursing care risks are further subdivided into those corresponding to bedridden or dementia loss due to cerebral hemorrhage or cerebral infarction, etc. ing. Bedridden nursing care
It corresponds to compensation for various expenses for bedridden care, for example, compensation for self-payment among various expenses for home care, medical expenses and medical facility expenses. Bedridden goods are intended to compensate for indoor remodeling costs, wheelchairs, special bed purchase costs, and the like. Dementia care corresponds to compensation for various costs of dementia care, for example, compensation for self-payment among home care expenses, medical expenses, and medical facility expenses. The dementia goods are intended to compensate for indoor remodeling costs, wheelchairs, special bed purchase costs, and the like. The nursing care pension is not limited to bedridden and dementia, but purely corresponds to all nursing care states. The required cost for the care risk is calculated based on the statistical data of the cost required by the cared person in real life. Specifically, for example, bedridden care (various costs) 200,000 yen,
Bedridden nursing care (facility) 100,000 yen, bedridden nursing care products 10
It is calculated as 100,000 yen, dementia care (expenses) 200,000 yen, dementia care (facility) 100,000 yen, dementia care goods 100 yen, etc.

4. Property Conservation Risk The property conservation risk corresponds to loss due to loss, theft, and earthquake damage of houses, household goods, and vehicles (automobiles). Depending on the form of property, building compensation, household property compensation, building compensation (earthquake), It is further subdivided into household compensation (earthquake) and vehicle compensation. The necessary cost for property preservation risk is calculated based on the valuation of the building or household goods, vehicle price, and the like. Specifically, for example, insurance money paid for the loss in fire insurance, earthquake insurance, automobile vehicle insurance, and the like for buildings and household goods is used.

5. Liability risk The liability risk corresponds to a loss with liability for damages to others, and depending on the liability, personal liability,
It is further subdivided into rent liability, vehicle liability (person and object) and leisure liability (person and object). The required cost for liability risk is calculated based on statistical data based on precedents and survey data. The necessary costs for liability risk are, for example, 100 million yen for personal liability, 10 million yen for rent liability, 200 million yen for vehicle liability (person and object), The required cost for leisure liability is calculated at 100 million yen. The necessary cost for the liability risk may be a pure necessary cost excluding the compensation from the required cost if the insured non-insurance compensation is paid when a loss due to the liability risk occurs. preferable.

In the evaluation of the insurance, it is preferable to make an evaluation based on each loss (risk) of the above 1 to 5, but it is preferable to further add a life risk as shown in FIG.

6. Living risk Living risk corresponds to the loss to the economic stability of life in the future. The savings index, borrowing index, economic stability after retirement, and life adaptation index after retirement (the maximum value of each index is , 100).
The savings index is an index indicating whether savings are at an appropriate level with respect to the annual income of the insured person, and can be calculated by the following formula, for example. (Saving amount + Fixed asset amount−Borrowing amount) / Annual income × 100 The borrowing index is an index indicating whether the borrowing and repayment plan is reasonable, and can be calculated by the following formula, for example. {Borrowing amount / (Annual income x 4) + Annual repayment amount of borrowing / (Annual income x 1/4)} x 50 The economic stability after retirement indicates whether retirement or retirement living funds are secured. This is an index. For example, the retirement allowance rate for the Employees' Pension Fund, the expected balance of retirement annuities at the time of retirement, and the contents of individual pension receipts (monthly x period)
Can be calculated from the sum total scored according to each amount. The Life Adaptation Index after retirement is an index that indicates the degree of fulfillment of personal life such as hobbies and leisure time. For example, it is possible to score the contents of answers to predetermined question items and calculate it by four times the total sum. it can. As the information used for calculating these indices, the necessary cost calculation information and the non-contracted insurance coverage information can also be used as appropriate. The information provided from such as can be used. The allocation rate of life risk is expressed by these indices for each subclass. It is preferable that the life risk be evaluated in a plurality of stages according to the ratio of the appropriation rate. In addition, the evaluation based on the living risk appropriation rate should be performed on each of the classified losses by arithmetically averaging the appropriation rates for each of the subdivided indices, and performing a plurality of step evaluations according to the ratio of the arithmetic average. Is preferred. It is preferable that the evaluation based on the living risk appropriation rate is output in various output forms in various output devices as in the case of each risk.

Hereinafter, the insurance review proposal support method based on the preferred embodiment will be described with reference to the drawings.
This will be described more specifically.

FIG. 2 shows an embodiment of an insurance review proposal support system (hereinafter also referred to as a support system) used in the insurance review proposal support method according to the present invention. In the figure, reference numeral 1 indicates a support system.

The support system 1 is composed of a computer system having hardware and software (hereinafter, simply referred to as a computer).

As shown in FIG. 2, the support system 1 includes, as hardware, a processing device (CPU) 2, a main storage device 3, an auxiliary storage device 4, an input device 5, and an output device 6.
And a communication device 7, and a bus 8 for transmitting and receiving control signals or data between these devices.

The support system 1 includes, as software, a basic software OS and a basic software OS.
It is provided with the evaluation software ES and the support software PS for supporting the insurance review proposal, which operate on the above.
The basic software OS, the evaluation software ES, and the support software PS are held in the fixed disk drive 41 of the main storage device 3 or the auxiliary storage device 4.

The evaluation software ES fetches the contracted insurance information, the required cost calculation information, and the contracted non-insurance information into a computer, creates a database as a table, and associates the information with the computer. The required cost, the insured non-insurance indemnity, the calculation of the appropriation rate, the output of the appropriation rate so that the excess or deficiency of the insurance money can be recognized, the output processing such as evaluation based on the appropriation rate, And output processing such as calculation of each index of the life risk and evaluation based on the appropriation rate represented by the index.

The support software PS prepares a review proposal for the existing insurance based on the evaluation of the existing insurance by the evaluation software ES, and discloses the review proposal to a person who receives the review and responds to the proposal. In accordance with the contents of the review proposal, the contents of the review proposal are disclosed to a specific insurance company, insurance proposals with compensation for the review proposal are publicly offered, and compensation for each risk is provided by the insurance proposals presented by each insurance company. A person who seeks the adequacy of the insurance companies, ranks each insurance company based on these adequacy, outputs the adequacy and the insurance subscription amount pertaining to the insurance proposal in accordance with the ranking, and receives a review proposal Will receive a response as to whether or not to take out insurance in accordance with the insurance proposals presented by any of the insurers, and if they have an intent to do so, indicate to that insurer or insurer. It is intended to perform the process of notifying its agency to a computer.

The auxiliary storage device 4 includes a hard disk drive 40 and a removable disk drive 41. As the removable disk 41, for example, a flexible disk (FD) drive, a magneto-optical disk (MO) drive, a magnetic tape, or the like can be used. As the input device 5, various pointing devices such as a mouse can be used in addition to a keyboard.
The output device 6 includes a liquid crystal display, a cathode ray tube (CR)
T) Various display devices such as displays, printers of various printing forms, speakers, and the like can be used. As the communication device 7, any communication device of a wired or wireless transmission mode can be used. Specifically, communication devices such as a modem, a terminal adapter, a dial-up router, and a network adapter, and various communication ports such as infrared, serial (USB, RS232C), and parallel can be used.

As shown in FIG. 3, the fixed disk drive 40 of the auxiliary storage device 4 holds a contracted information holding area 400 for holding (storing) the contracted insurance information and the necessary cost calculation information. Holding area 401 for necessary cost calculation information to be stored and, for each loss (risk) subject to the insurance money to be paid based on the existing insurance, the amount of the required cost required when the loss occurs A necessary cost holding area 402 for holding the value of the required cost allocation rate by the insurance money to be paid when the loss occurs; An evaluation information holding area 404 for holding the content of the evaluation is provided. In the holding area 404, the evaluation information is held and registered in advance.

The auxiliary storage device 4 also stores, for each of the losses for which the insurance money is to be paid, the out-of-contract insurance information and the amount of the out-of-contract insurance money calculated based on the information. Holding area 40 of existing non-insurance compensation information to be held
5 are provided. These holding areas 400 to 4
As shown in FIG. 3, in this embodiment, 05 is disposed for each loss (risk) that has been subdivided as described above.

Although not shown in the figure, in the present embodiment, the auxiliary storage device 4 stores, as model employee information, necessary cost calculation information and contracted out-of-insurance compensation information (model employee personnel information, individual Information and family information) are registered in advance, and as will be described later, it is possible to refer to the required costs of the model employee and the insured non-insured compensation for each age. Further, information (life risk index calculation information) necessary for calculating each index of the life risk is registered in the auxiliary storage device 4 in advance.

Next, the procedure of insurance review proposal by the insurance review proposal method using the support system 1 will be described with reference to the drawings.

As shown in FIG. 4, the insurance review proposal support method of the present embodiment provides compensation for insurance review proposals based on the evaluation of existing insurance, based on insurance proposals presented by a plurality of insurance companies. A computer is used to perform a process including a calculating step S60 for determining the applicability and an output step S80 of outputting the applicability and the subscription amount for outputting the applicability and the subscription amount.

The insurance review proposal support method according to the present embodiment includes a step S1 which is a process of loading the existing insurance information, the necessary cost calculation information, and the non-contract insurance compensation information into the computer. are doing. In step S1, if the data structure of the contracted insurance information, the required cost calculation information, and the contracted non-insurance compensation information is different from the data structure of the evaluation software ES, conversion to the data structure of the evaluation software ES is performed. Processing is performed.

Furthermore, in the insurance review proposal support method of the present embodiment, in addition to the above-described processing, the necessary cost required when a loss to be paid for an insurance occurs is included in the required cost calculation information. Calculating a required rate based on the insurance money to be paid when the loss occurs, calculating an allocation rate of the required cost based on the insurance money to be paid based on the insurance money, and determining whether the insurance money is excessive or insufficient. Outputting the allocation rate to output the allocation rate so that it can be recognized S
30, a review proposal creation step S40 for creating a review proposal for insurance based on the appropriation rate, and outputting the review proposal so as to be recognized by a person who receives the review proposal, and the contents of the review proposal to each insurance company. An insurance proposal public offering step S50 for publicly offering an insurance proposal with compensation for the review proposal, and a step S70 for ranking based on the applicability for each of the insurance proposals, based on the ranking. Answer receiving step S90 for receiving an answer as to whether or not to join the insurance related to the insurance proposal of any insurance company
And an answer notification step S100 for notifying the insurance company or the agent of the intention to join the insurance relating to the insurance proposal of any insurance company.

When making a review proposal using the support system 1, first, in step S1, when an operator performs a predetermined operation with the input device 5 of a computer,
The CPU 2 performs a process of holding the insured insured insurance information, required cost calculation information, and insured non-insured compensation information in the holding areas 400, 401, and 405 of the auxiliary storage device 4.

The contracted insurance information, information on calculation of required expenses,
And the incorporation of the out-of-contract insurance information into the computer by the operator using the input device 5 directly by the input device 5 based on the insurance policy, insurance contract, etc. of the in-service insurance presented directly by the person to be evaluated. A method in which the CPU 2 performs a process of holding the information in the holding area by performing an input operation or the like and captures the information into a computer.
2 is a process for causing the removable disk drive 41 to read the contracted insurance information, the required cost calculation information, and the non-contracted insurance coverage information recorded on the recording medium, and a process for holding the information in the holding area. Or forming (establishing) the transmission path between the computer and another computer (not shown) connectable to the computer via a transmission path (wired or wireless). In advance, any method can be used in which the operator performs a predetermined operation, and the CPU 2 performs a process of storing the information in the storage area through the communication device 7 and captures the information into the computer.

If the data structure of the contracted insurance information, the required cost calculation information, and the contracted non-insurance compensation information is different from the data configuration of the evaluation software ES, the CPU 2
Performs a conversion process to the data structure of the evaluation software ES. Then, the converted contracted insurance information, the required cost calculation information, and the contracted non-insurance compensation information are stored in the holding areas 400, 402, and 405 of the auxiliary storage device 4 and registered as a database. Is done.

As described above, the contracted insurance information, the required cost calculation information, and the contracted non-insurance compensation information include, as described above, persons who are evaluated for contracted insurance, insurance companies or their agents, and insured persons. Information provided by the workplace of the company can be used.

In the support system 1, the contracted insurance information, necessary cost calculation information, and non-contracted insurance coverage (personal information, personal information, family information at the insured person's work place) taken into the computer are Evaluation software ES
Associated with the above, as shown in FIGS.
A part thereof is displayed on the output device 6 of the support system 1.

FIG. 5 shows that the type of the insured insurance product among the insured insurance information is associated with the specific personnel information (name code, registered organization name) at the insured person's office, and is output to the output device 6. It shows the displayed screen. FIG.
Shows a screen in which the specific personal information of the insured person is displayed on the output device 6 in association with the specific personnel information (name code, registered organization name) at the work place of the insured person. Further, FIG. 7 shows that the specific family information of the insured person is the specific personnel information (name code,
3 shows a screen displayed on the output device 6 in association with the registered organization name).

Next, in the required cost calculation step S10, the CPU 2 calculates the required cost required when a loss to be paid for an insurance occurs based on the held required cost calculation information. After performing the arithmetic processing, the required cost is held in the holding area 402 of the auxiliary storage device 4. Here, if there is an insured non-insurance compensation, the amount thereof is excluded.

In the support system 1, the CPU
2 also performs the calculation processing of each index based on the life risk index calculation information held in the auxiliary storage device 4.

In the support system 1, the required cost and the insured non-insurance compensation can be displayed on the output device 6 of the support system 1 in association with the evaluation software ES. FIG. 8 shows a display screen on the output device 6 of the lost profit and the non-contracted insurance coverage calculated based on the model employee information. In this figure, lost profit (required cost) and non-contracted non-insurance compensation (retirement allowance, orphans' pension, survivor's pension) are plotted according to each age of model employees and their families, and the difference is calculated. The required insurance claims (pure required expenses) are displayed.

Next, in the allocation rate calculating step S 20, the CPU 2 determines, based on the insurance money to be paid when the subdivided loss occurs in the contracted insurance information held in the holding area 400. Then, after calculating the allocation ratio of the required cost by the insurance money, a process of holding the allocation ratio in the holding area 403 of the auxiliary storage device 4 is performed. As shown in FIG. 5, when the insured has an insurance contract for a plurality of insurance products, and the plurality of insurances have a common loss to be paid, the insurance money for the common loss is provided. Is calculated based on the sum of

Next, in an evaluation output step S 30, the CPU 2 outputs the step evaluation corresponding to the ratio of the allocation rate held in the holding area 403 and the ratio of the allocation rate held in the holding area 404 to the output. A process for displaying on the device 6 is performed.

FIG. 9 and FIG. 10 show the allocation rate calculated for each of the subdivided losses for the mortality risk and the property preservation, and the insurance money to be paid from the existing insurance for each of the subdivided losses. 2 shows a screen displayed on the output device 6 of the support system 1. As shown in these figures, the ratio of the required expenses of the claims paid for each of the subdivided losses (risks)
The bar graph is displayed in an easy-to-understand manner, and those who receive the insurance review proposal can grasp at a glance whether the insurance coverage (insurance) of the insurance they have already subscribed for each of the subdivided losses to be paid. can do. In addition, although not shown in the figure, in the support system 1, each loss other than death and property preservation,
The appropriation rate can be displayed on the output device 6 for each of the losses and the indices that are each subdivided.

The support system 1 outputs a comprehensive evaluation for each of the six losses (the arithmetic average of the appropriation rates for the subdivided losses and the evaluation thereof). FIG.
Shows a screen in which the comprehensive evaluation for each loss is displayed on the output device 6 of the support system 1. FIG.
As shown in FIG. 1, in the support system 1, the arithmetic average of the appropriation rate for the required cost of the insurance money to be paid for the sub-classified loss is displayed in a visually easy-to-understand manner using a radar chart with six losses as axes. Along with
The contents of the evaluation for each allocation rate are also displayed. Thus, a person who receives the insurance review proposal can grasp at a glance whether the insurance money already insured is over or under compensation.

Next, from the evaluation based on the allocation rate obtained in this way, a proposal for reviewing the existing insurance is created.
In the step S40 of creating a review proposal for the existing insurance, the CPU 2 extracts, on the support software PS, risks in which the allocation rate is 100% or more or less than a set value (for example, 20%). The redistribution of compensation (appropriation of appropriateness) and the insurance subscription amount after the redistribution of the compensation are calculated so that the coverage of the compensation for is less than 100% ± set value (for example, 20%). In addition to performing a process of creating a review proposal for existing insurance, performing a process of retaining the compensation redistribution and the insurance subscription amount after the compensation redistribution in the main storage device 3 or the auxiliary storage device 4, Further, a process of outputting the proposal for reviewing the existing insurance to the output device 6 is performed. Along with this output processing, the CPU 2 prompts the person receiving the review of the existing insurance to make a decision on whether or not to carry out the review in accordance with the review proposal through the input device 5 through the output device 6. If the input to accept the review is received from step 5, the process proceeds to step 50, and if the input to not comply is received, the process ends.

In the public offering step S50 of the insurance proposal, the CP
U2 discloses the insurance review proposal created in step S40 to a specific insurance company according to the contents.
In the support system 1, the CPU 2 discloses the insurance review proposal by transmitting it to a web server (web application server) (not shown) constructed on the Internet via the communication device 7. The web server is constructed so that only the specific insurance company can connect to the web server, enter a password and view the disclosure.

Next, in the applicability calculation step S60,
The CPU 2 performs a process of classifying the insurance proposal presented by the insurance company in accordance with the contents of the review in the same manner as in the existing insurance policy, and calculating an appropriation rate for each risk. A process to be held in the auxiliary storage device 4 and a process to output to the output device 6 are performed. Here, when insurance proposals are received from a plurality of insurance companies, the allocation rate for each risk is calculated in a case where the insurance proposals presented by each insurance company are combined. (For example, A
If the company and company B receive life insurance proposals, and company C and company D offer proposals for liability insurance, they will calculate the allocation rate for each risk in the insurance proposed by each of the companies A to D, A combination of company insurance proposals (eg, Company A + Company C,
The allocation rate for each risk in (Company A + Company D) is calculated.

Next, in the ranking step S70,
If there are insurance proposals from multiple insurance companies, CP
U2 performs a process of ranking the combination of the insurance proposal presented by each insurance company and the insurance proposal presented by each insurance company based on the appropriation rate calculated in step S50. In the process of ranking the appropriation rates of the insurance proposals, first, the person receiving the review proposal inputs, from the input device 5, the priority of each risk. Upon receiving this input,
The CPU 2 ranks each risk according to a ranking point (0.1, 0.2, 0.4,
0.8, 1.6, 3.2), and these ranking points are stored in the main storage device 3 or the auxiliary storage device 4. Next, the CPU 2 performs a process of comparing the appropriation rates according to the risk ranking for any two insurance proposals,
The ranking points are assigned to the insurance proposals having the higher allocation rates for the respective risks, and the cumulative ranking points are accumulated to calculate the cumulative ranking points for each insurance proposal, and are stored in the main storage device 3 or the auxiliary storage device 4. Then, the CPU 2 determines the superiority or inferiority of the two insurance proposals from the accumulated ranking points after all risks are compared for each insurance proposal. The CPU 2 makes such a determination of superiority or inferiority for each insurance proposal and each combination of insurance proposals, and ranks the insurance proposals based on the coverage rate of compensation. The ranking is determined by the main storage device 3 or the auxiliary storage. It is stored in the storage device 4. In step S70,
The CPU 2 also performs a comparison process on the insurance purchase amount pertaining to each insurance proposal or a combination of each insurance proposal,
The difference is calculated and stored in the main storage device 3 or the auxiliary storage device 4.

Next, in step S80, the CPU 2 outputs, in accordance with the ranking obtained in step 70, the calculation result of the allocation rate calculated in step 60 according to the ranking obtained in step 70. It outputs to the output device 6 each insurance proposal and the subscription amount related to each combination of insurance proposals. The cumulative ranking points for each insurance proposal or combination of insurance proposals (after comparison)
If the difference is within a set value (for example, 0.2 points) and the difference between the enrollment amounts exceeds a predetermined amount, the CPU 2 additionally performs a process of outputting the fact to the output device 6.

Next, in the answer receiving step S90,
Based on the output result of step S80, the person who receives the insurance review proposal inputs a response through the input device 5,
The CPU 2 receives a response as to whether or not to subscribe to insurance related to an insurance proposal of any of the insurance companies, and performs processing for retaining the response in the main storage device 3 or the auxiliary storage device 4.

Next, in the answer notification step S100, the CPU 2 sends the selected proposal and the unselected proposal to each insurance company or its agent through the communication device 7 in accordance with the response from the insured person. The information is notified by e-mail or transmitted to the web server (not shown) and disclosed.

As described above, according to the insurance review proposal support method of the present embodiment, the insurance proposal presented by the insurance company in response to the insurance review proposal based on the evaluation of the existing insurance is used to determine whether the compensation is appropriate. In addition, since the proposals can be made based on the ranking based on the subscription amount, the proposal can be made open and easy to understand for those who receive the review proposal.

Further, since the existing insurance can be evaluated based on the allocation rate of the necessary cost for each of the losses classified into a plurality of insurances, the insurance provided by the life insurance company and the non-life insurance company (the first field to Even in the case where insurance products of the third field are mixed, it is possible to easily make a proposal of a well-balanced insurance distribution according to the loss that may be incurred throughout personal life.

Further, the required cost is calculated by associating specific information among personnel information, personal information or family information at the work place of the insured person. Non-insurance compensation is calculated, and this is removed from the required cost, and the required cost (pure required cost)
Is calculated, the excess or deficiency of the insurance money can be evaluated in more detail and correctly, and the content presented to an insurance company or the like can be minimized.

As described above, the above-mentioned insurance evaluation method is based on the assumption that the required cost and the insured non-insurance compensation amount are associated with specific information among personnel information, personal information, and family information at the work place of the insured person. In terms of calculation, it is preferable for evaluation of existing insurance with a salary earner (salaryman) as an insured person, and is particularly suitable for a case where a company has taken out insurance at a company with a group discount or the like.

The present invention is not limited to the above embodiment, and can be appropriately modified without departing from the gist of the present invention.

In the insurance review proposal support method of the present invention, as in the above-described embodiment, it is preferable that the processing of the evaluation of the existing insurance is performed only by the support system 1, but the processing is performed by a plurality of mutually communicable computers. Can be dispersed. In this case, for example, a process of taking in existing insurance information and calculation information of required costs, and making a database such as holding (registering) the data in an auxiliary storage device are performed by a server computer (database server) on a business unit basis or the like. Proceed collectively, refer to each information by connecting to the server computer with a client computer, calculate the allocation rate for each loss, and output the evaluation contents according to the ratio of the allocation rate, only the insurance review proposal It is preferable that the processing be performed by a client computer in front of the person receiving the information.

It is preferable to classify the losses to be paid as insurance claims into five classes as in the above-described embodiment. However, the number of loss classes and the number of sub-classes can be appropriately increased or decreased.

In the support system 1, the input of the person who receives the insurance review proposal is made from the input device 5. However, the input may be made through the transmission / reception device 6 of the support system 1. .

Further, in the support system 1, the content of the review proposal is disclosed and the response of the person who receives the review proposal is notified on a web server different from the system 1, but the system 1 is transmitted via the transmission / reception device. It is also possible to connect to the Internet and use it as a web server to disclose the contents of the review proposal and notify the response.

Further, in the present invention, as in the above-described embodiment, when the non-contracted insurance is paid, as in the above-mentioned embodiment, the required insurance for each loss is used to evaluate the non-contracted insurance. Although it is preferable that the compensation is carried out excluding the compensation, it is also possible to evaluate the existing insurance including the above-mentioned non-contracted compensation and make a proposal for reviewing the insurance based on the evaluation.

[0085]

According to the insurance review proposal support method, a well-balanced insurance review proposal can be made according to the loss that may be incurred throughout personal life.

[Brief description of the drawings]

FIG. 1 is a diagram showing a classification of a loss to be paid in an insurance review proposal support method of the present invention.

FIG. 2 is a schematic diagram showing an embodiment of a support system used in the insurance review proposal support method.

FIG. 3 is a schematic diagram schematically showing an arrangement of information in an auxiliary storage device in the support system.

FIG. 4 is a diagram schematically illustrating a flowchart showing a procedure according to an embodiment of the insurance review support method.

FIG. 5 is a schematic view showing a display screen of a part of the insurance policy information in the support system.

FIG. 6 is a schematic diagram showing a display screen of a part of personal information in the support system.

FIG. 7 is a schematic diagram showing a display screen of a part of family information in the support system.

FIG. 8 is a schematic diagram showing a display screen of a necessary cost for a risk of death of a model employee in the support system.

FIG. 9 is a schematic diagram showing a display screen of the appropriation rate and an evaluation based on the appropriation rate for the risk of death by the support system.

FIG. 10 is a schematic diagram showing a display screen of the appropriation rate and an evaluation based on the appropriation rate for the property preservation risk by the support system.

FIG. 11 is a schematic diagram showing a display screen of the allocation rate for each loss by the support system and a comprehensive evaluation of insurance based on the allocation rate.

[Explanation of symbols]

 1 Insurance Review Proposal Support System 2 CPU 3 Main Storage Device 4 Auxiliary Storage Device 5 Input Device 6 Output Device 7 Communication Device 8 Bus OS Basic Software ES Evaluation Software PS Support Software

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Akira Ishikawa 2606 Kabane-cho, Akaga-cho, Haga-gun, Tochigi Prefecture Inside the Kao Corporation Research Institute

Claims (4)

[Claims] Claiming the insurance renewal proposal based on the evaluation of the existing insurance policy by determining the applicability of the compensation provided by one or more insurance companies, and at least the applicability and the insurance proposal. And outputting the insurance subscription amount according to the above. 2. The insurance review proposal support method according to claim 1, wherein ranking is performed based on the applicability for each of the insurance proposals, and the applicability and the subscription amount are output in accordance with the ranking. 3. The insurance review proposal support method according to claim 1, further comprising a step of notifying the insurance company or its agent of an intention to join the insurance in accordance with any one of the insurance proposals. . 4. The valuation of the existing insurance is required for each loss for which the insurance loss is to be paid, when the loss occurs due to the insurance money to be paid when the loss occurs. Claims 1-3 based on the appropriation of costs
Insurance review proposal method described in any of the above.