JP2006293457A - Insurance application method, insurance business support device and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To attain the improvement of the customer satisfaction of an insurance subscriber and the efficiency of an insurance application business. <P>SOLUTION: A person in charge of insurance inputs information relating to an insurance application object case and an insured person by using a terminal 200 of the person in charge of insurance. The insurance business support device 100 acquires such attribute information as the insured person, and prescribes a compensation content (service) which can be selected by the insured person according to the generated insurance application object case based on the acquired attribute information and the inputted insurance application object case, and outputs it through an intracompany network 20 to the terminal 200 of the person in charge of insurance. The person in charge of insurance inputs the service selected by the insured person to the insurance business support device 100 by using the terminal 200 of the person in charge of insurance. The insurance business support device 100 selects an execution undertaker who executes the selected service, and transmits ordering information through the communication network 10 to an execution undertaker terminal 300 of the selected execution undertaker. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an insurance application method, an insurance business support device, and a program, and more particularly, to an insurance application method, an insurance business support device, and a program suitable for improving customer satisfaction and improving business efficiency when applying insurance.

In various insurance businesses, including property and casualty insurance, a wide variety of insurance products that reflect changing times and customer demands have been developed. The compensation received by the insured person with such an insurance product has been conventionally provided by the payment of money based on the contract at the time of insurance participation. Therefore, in the insurance business, calculation of benefits when insurance application cases occur and work related to benefits are important tasks, and methods for improving the efficiency of such operations by utilizing information systems have also been proposed. (For example, Patent Document 1).
JP 2004-30597 A

  However, the conventional compensation by money may not be sufficient as compensation for the insured person or related persons (relatives, etc.). This is because in cases where insurance is applied, the insured and related parties (insured, etc.) are often forced to live differently from normal daily life, and compensation for money This is because there is a burden and loss that cannot be resolved.

  For example, when an insured person is required to be hospitalized due to personal injury due to a car accident or the like, the insured person or his close relatives must perform complicated procedures such as procedures and arrangements for hospitalization. In addition, during hospitalization, it is also necessary to purchase daily necessities and arrangements for rental items during the hospitalization period. Expenses related to such activities and fees can be compensated with benefits provided by conventional insurance products, but it is the insured itself that must actually act. The insured suffers various burdens and losses that cannot be eliminated by monetary benefits.

  For example, even if the purchase cost of a household item during hospitalization is paid, it may be difficult for the insured who is hospitalized to act for the purchase. Will be mentally and mentally burdened.

  In addition, for example, when care is required for close relatives, housework time at home or work time at work is eroded, causing loss in daily life of close relatives. There are things to do. In addition, when the insured is a student or the like, there may be a loss such as not being able to learn enough during the treatment period such as hospitalization and not being able to acquire academic ability that should have been acquired.

  In other words, when an insurance application case occurs, the insured or the like suffers a secondary loss that cannot be quantitatively determined. Such a loss is difficult to convert into a monetary value and is not eliminated by the payment of money. For this reason, the conventional payment of money may not be sufficient as compensation for the insured.

  Some existing insurance products are compensated for incidental services other than benefits, but their contents are limited to those specified in the contract at the time of insurance purchase. Therefore, insurance subscribers (insured persons, etc.) could not select the compensation content according to the content of the insurance application case that occurred. For this reason, depending on the contents of the contract, even though the insurance premium is paid, the service that the insured really needs may not be compensated, and the customer satisfaction of the insurance subscriber may not be sufficiently satisfied. It was.

  Therefore, the insurance subscriber (insured person) can select the compensation content according to the insurance application case that has occurred, and the insurance subscriber is provided with the insurance product in which the selected compensation content (service) is provided in kind. Can be expected to improve customer satisfaction. However, such an insurance product itself has not existed so far, and of course, there has been no method or system for efficiently providing such an insurance product.

  The present invention has been made in view of the above circumstances, and by providing an insurance application method for efficiently applying insurance that allows the insured to select compensation contents according to the insurance application case that has occurred. The aim is to improve customer satisfaction of insurance subscribers.

  In addition, the present invention provides an insurance business support device for supporting the business related to the application of insurance that allows the insured to select the compensation contents according to the insurance application case that has occurred, thereby improving the efficiency of the insurance business. The purpose is to make it easier.

In order to achieve the above object, the insurance application method according to the first aspect of the present invention includes:
On the computer,
A storage step of storing in a storage device in advance the subscriber information relating to the insurance subscriber and the insurance product information relating to the insurance product for which the performance of the service is compensated;
An input step for receiving input of case information related to a case subject to insurance coverage;
A determination step of determining compensation contents selectable by the insured based on the input case information and the subscriber information and insurance product information stored in the storage device;
An output step of outputting compensation information indicating at least the determined compensation content;
By executing the above, it is characterized in that the insured person applies the insurance that can select the compensation contents according to the insurance application case that has occurred.

The above insurance application method is
In the computer,
A designation step for designating a service selected by the insured by receiving input of information indicating the compensation content selected based on the compensation information output in the output step;
Selection is made by creating ordering information for placing an order for the execution of the service specified in the specifying step, and transmitting the generated ordering information to a terminal device of a provider that performs the service via a communication network An ordering step to order the performance of the service provided;
Is further executed.

In the above insurance application method,
The storage step stores in advance, in the storage device, company information indicating a service provider, in association with the insurance product information,
Preferably, the ordering step selects a service provider that implements the service specified in the specification step based on the provider information, and transmits the order information to a terminal device of the selected service provider.

In the above insurance application method,
The subscriber information includes attribute information of each insurance subscriber,
In the determination step, it is desirable to determine the compensation contents that can be selected by the insured person based on the attribute information of the insured person.

In the above insurance application method,
The insurance product information includes information indicating the cost of implementing each compensation content, in this case,
In the determination step, a predetermined limit amount is set for each predetermined period, and the compensation content that can be selected by the insured is determined based on the set limit amount and the cost for implementing each compensation content. Good.

In order to achieve the above object, an insurance business support device according to a second aspect of the present invention provides:
Subscriber information storage means for storing subscriber information related to insurance subscribers in advance;
Insurance product information storage means for storing in advance insurance product information relating to insurance products for which the implementation of the service is compensated;
Accepting the input of the case information related to the insurance application case, the input case information, the subscriber information stored in the subscriber information storage means, and the insurance product information stored in the insurance product information storage means Based on the compensation content determination means for determining the compensation content selectable by the insured,
Output means for generating compensation information indicating the compensation content determined by the compensation content determination means, and outputting the generated compensation information;
It is characterized by providing.

The insurance business support device
An operator information storage means for storing in advance operator information related to an operator of a service compensated by the insurance product;
The business in which designated service information indicating the service selected based on the compensation information output by the output means is received and the service provider indicated by the input designated service information is stored in the business information storage means Implementing company discriminating means for discriminating based on the person information,
Ordering means for generating ordering information for placing an order for the implementation of the service indicated by the designated service information, and transmitting the ordering information to a terminal device of the executing company determined by the executing company determining means via a communication network It is desirable to further include

In the above insurance business support device,
The insurance product information may include at least service information indicating a plurality of services compensated by the insurance product, and cost information indicating a cost for performing each service.
The compensation content determination means sets a predetermined limit amount for each predetermined period, and the insured can select based on the set limit amount and the cost information stored in the insurance product information storage means It is desirable to determine the contents of compensation.

In order to achieve the above object, a program according to the third aspect of the present invention is:
On the computer,
Subscriber information relating to the insurance subscriber, insurance product information relating to the insurance product for which the insured can select the compensation content, and business operator information indicating the service provider of the service compensated by the insurance product are stored in advance. Function and
A function for receiving input of case information related to cases covered by insurance coverage,
A function for determining compensation contents that can be selected by the insured based on the input case information, the subscriber information, and the insurance product information;
A function for outputting compensation information indicating the determined compensation content;
A function of receiving input of designated service information indicating a service selected based on the outputted compensation information;
A function of determining a service provider of the service indicated by the input designated service information based on the provider information;
A function of creating ordering information for ordering execution of the designated service based on the inputted designated service information;
A function of sending the created order information to the terminal device of the determined implementing company to the terminal device of the service implementing company via the communication network, and ordering the implementation of the specified service;
It is characterized by realizing.

  According to the present invention, the compensation contents (services) that can be selected by the insured, etc. according to the generated insurance application case based on the received information on the insurance application case and the information indicating the attributes of the insurance subscriber ) To identify and present the service selected by the insured, etc., to identify the business operator that implements the service, and to place information on ordering the implementation of the service from the terminal device of the identified business operator You can automatically send and place an order. Accordingly, it is possible to efficiently carry out insurance application work of insurance products that allow the insured or the like to select compensation contents according to the insurance application target case that has occurred. As a result, various inconveniences that the insured, etc. are forced after the occurrence of insurance coverage cases can be solved by providing services according to individual circumstances, and the application is made smoothly, so the insured Can improve customer satisfaction. In addition, since the insurance application work for such insurance products is performed using a computer, the efficiency of the insurance application work can be improved.

  Embodiments according to the present invention will be described below. In this embodiment, for insurance products sold by insurance companies that develop and sell insurance products (hereinafter referred to as “insurer TN”), compensation by the insurance products is applied to the insured. A case will be described below as an example.

  The insurance product according to the present embodiment is assumed to be non-life insurance such as automobile insurance, for example, and the insurance subscriber (insured person) arbitrarily selects the compensation contents according to the insurance application case (details will be described later). It shall be possible to select. In addition, the compensation provided (benefit) by the insurance product according to the present embodiment includes insured persons (insured persons and their related persons (such as close relatives)) in addition to the benefits for providing money. “Insurers” or “Insured” etc.). In addition, the service to be compensated includes procedures for arranging the service. Hereinafter, the “insurance product” in the present embodiment refers to an insurance product having the characteristics described above.

  FIG. 1 is a diagram schematically showing a configuration of an insurance application system according to the present embodiment. As shown in the figure, the insurance application system 1 according to the present embodiment includes an insurance business support device 100, a plurality of insurance officer terminals 200, and a plurality of implementation operator terminals 300. Among these, the insurance business support device 100 and the plurality of business operator terminals 300 are interconnected via the communication network 10.

  The insurance business support device 100 and the plurality of insurance officer terminals 200 constitute a so-called client-server system. The insurance business support device 100 functions as a server, and the plurality of insurance officer terminals 200 functions as clients. To do. In the present embodiment, it is assumed that the insurance person in charge terminal 200 functions as an input / output terminal for the insurance business support apparatus 100.

  The insurance business support device 100 according to the present embodiment is configured by an information processing device such as a mainframe or a workstation, and is operated by an insurance provider TN. In the present embodiment, for example, it is assumed that the insurance business support apparatus 100 is installed in a department or the like (for example, a head office) that supervises a plurality of bases or departments of the insurance company TN.

  In addition, the insurance officer terminal 200 is a person in charge of sales of insurance products, insurance application work, etc. (for example, a sales person or a customer person in charge, hereinafter referred to as “insurance person”) in the insurance company TN. And is installed at a plurality of bases (for example, branches and agents) of the insurance business operator TN. Therefore, the insurance officer terminal 200 can be a terminal device used for business processing at the installed base, and is composed of, for example, a workstation or a personal computer.

  Each insurance officer terminal 200 is connected to the insurance business support apparatus 100 via, for example, the internal network 20 of the insurance company TN, and transmits and receives information to and from the insurance business support apparatus 100. The internal network 20 in this case is, for example, a local area network (LAN) or a wide area network (WAN) using a dedicated line. The in-house network 20 is preferably a network that cannot be accessed by a third party.

  In addition, the implementation provider terminal 300 is an information processing apparatus operated by a provider that implements a service that is compensated by applying insurance products sold by the insurance provider TN, such as a workstation or a personal computer. Etc. The business operator terminal 300 is connected to the insurance business support apparatus 100 via the communication network 10, and the communication network 10 in this case can be, for example, the Internet.

  Next, the configuration of the insurance business support apparatus 100 according to the present embodiment will be described with reference to FIG. FIG. 2 is a block diagram illustrating a configuration of the insurance business support device 100.

  As shown in the figure, the insurance business support device 100 according to the present embodiment includes a control unit 110, a communication control unit 120, an input control unit 130, an output control unit 140, a program storage unit 150, a storage unit 160, and the like. Yes.

  The control unit 110 includes, for example, a CPU (Central Processing Unit) and the like. The control unit 110 controls each unit of the insurance business support device 100, and performs communication by executing a program stored in the program storage unit 150. In cooperation with the control unit 120, the input control unit 130, the output control unit 140, and the storage unit 160, each process described later is realized.

  More specifically, by executing a program stored in the program storage unit 150, the control unit 110 functions as each component illustrated in FIG. That is, the control unit 110 functions as an information receiving unit 111, a compensation content determination unit 112, and an information generation unit 113 by executing the program.

  The information reception unit 111 receives input information in cooperation with the communication control unit 120 and the input control unit 130. In the present embodiment, in particular, information input at the insurance officer terminal 200 is received via the communication control unit 120. In the present embodiment, the information reception unit 111 sets information (hereinafter referred to as “case information”) related to a case (hereinafter referred to as “insurance applicable case”) to which the insurance product TN sells the insurance product TN. ), Information indicating the service selected and designated as the compensation content by the insured in accordance with the insurance application case (hereinafter referred to as “designated service information”), and the like.

  In the case of the insurance product according to the present embodiment, the cases covered by the insurance are cases in which the property of the insurance subscriber, such as a car accident, is damaged, or the insurance subscriber is injured. Say. In the present embodiment, it is further assumed that various events resulting from accidents and the like that have occurred are also included in the insurance application cases. In this embodiment, for example, various actions and events (for example, hospitalization, transfer, discharge, hospital visit, leave of absence (return to school), etc. required for the insured person etc. before recovering from personal injury caused by an accident, Leave of absence (reinstatement), etc.).

  In addition, incident information related to such insurance-covered incidents includes the information on the location of the accident and the information about the insured, etc., as well as the content and extent of personal injury incurred by the insured, and recovery. Information indicating the situation and the like is also included. The degree of personal injury in this case includes objective criteria based on the judgment of the doctor, such as the period until complete or complete cure and the number of days required for hospitalization, as well as the necessity of assistance by close relatives, etc. Individual cases are also included in the insured.

  Also, the designated service information is information indicating a service arbitrarily selected by the insured of the case in accordance with the insurance covered case among the services covered by the insurance product according to the present embodiment. is there.

  The information reception unit 111 receives such case information, designated service information, and the like, and instructs the compensation content determination unit 112 and the information generation unit 113 according to the received information.

  When the information reception unit 111 receives the case information, the compensation content determination unit 112 is based on the contents of the insurance application case and the attributes of the insured person, etc. The contents of compensation (service) that can be arbitrarily selected are determined. In the present embodiment, it is assumed that the attributes of the insured person and the like include the attributes of the insurance subscriber himself / herself and the attributes of the relatives of the insurance subscriber. The attributes in this case include, for example, name, age (date of birth), gender, place of residence, occupation, etc. (whether they are employed or unemployed, whether they are unemployed, and whether they are preschoolers) , Etc.), location, presence / absence of spouse, presence / absence of living person, presence / absence of other insurance. In addition to the above, the attributes of the insurance subscriber's close relatives include the relationship with the insurance subscriber himself / herself.

  In the present embodiment, attribute information indicating the attributes of such insurance subscribers, information indicating the relationship between insurance application cases and compensation contents, and the like are recorded in the storage unit 160 (details will be described later). Therefore, when the information receiving unit 111 receives the case information, the compensation content determining unit 112 accesses the storage unit 160 to refer to each information, and the insured or the like selects the insured case in the insurance application case. Determine the content of compensation (services) that can be made. When the compensation content determination unit 112 determines the compensation content (service) that can be selected by the insured or the like, the compensation content determination unit 112 instructs the information generation unit 113 to generate information for indicating the determined compensation content (service).

  The information generation unit 113 generates various information to be output in response to an instruction from the information reception unit 111 or the compensation content determination unit 112. For example, a screen used for input on the insurer terminal 200, information for presenting to the insurer a service (compensation content) determined by the compensation content determination unit 112 that the insured person can be selected, etc. Is generated. Information generated by the information generation unit 113 is output to the insurer terminal 200 via the communication control unit 120.

  In addition, the information generation unit 113 generates predetermined order information for placing an order with a service provider when providing a service as compensation provided by an insurance product. In this embodiment, it is assumed that the information generation unit 113 has an e-mail creation / transmission / reception function (mail server function), creates an e-mail for instructing an order to the service provider, Is transmitted to the implementing company terminal 300 in cooperation with

  In the present embodiment, it is assumed that the control unit 110 logically functions as each of the above-described components by software processing by executing a program. These configurations are, for example, an ASIC (Application Specific Integrated Circuit). ) Etc., and may be realized by hardware processing.

  The communication control unit 120 includes, for example, a communication device such as a NIC (Network Interface Card) or a modem, and connects the insurance business support device 100 to the in-house network 10 and the communication network 20. Communication with the user terminal 300. Here, the communication network 10 is, for example, a WAN (Wide Area Network) such as the Internet.

  The input control unit 130 connects an input device 13 such as a keyboard or a pointing device, for example, and inputs an input signal according to a user operation to the control unit 110.

  For example, the output control unit 140 connects the output device 14 such as a display or a printer, and outputs the processing result of the control unit 110 to the output device 14.

  The program storage unit 150 includes a storage device such as a hard disk device, for example, and stores a program executed by the control unit 110. The program storage unit 150 stores a program for causing the control unit 110 to function as the information reception unit 111, the compensation content determination unit 112, and the information generation unit 113 described above. The control unit 110 also stores programs for controlling the communication control unit 120, the input control unit 130, the output control unit 140, and the storage unit 160. That is, when the control unit 110 executes each program stored in the program storage unit 150, each process described below is realized as the insurance business support device 100 as a whole.

  The storage unit 160 is configured by a storage device such as a hard disk device, for example, and records various information necessary for realizing each process according to the present embodiment. In the present embodiment, a database (DB) as shown in FIG. As shown in the figure, the storage unit 160 includes databases such as an insurance company information DB 161, a subscriber information DB 162, an insurance product information DB 163, a service information DB 164, a contract information DB 165, an implementation company information DB 166, and an application case information DB 167. Composed. Each database will be described below.

  The insurance business operator information DB 161 stores information related to the insurance business operator TN, and particularly stores information related to the insurance operator of the insurance business operator TN in the present embodiment. In this embodiment, it is assumed that at least information related to an insurance person who is permitted to operate the insurance person terminal 200 to access the insurance service support apparatus 100 is stored. An example of information recorded in the insurance company information DB 161 is shown in FIG.

  As shown in the figure, in the insurance company information DB 161, a record is created with identification information (person in charge ID) uniquely assigned to each person in charge of insurance as a main key. In addition to attribute information indicating the name and department of the person in charge, authentication information (for example, login ID and password) necessary for accessing the insurance business support device 100 using the insurance person in charge terminal 200 is recorded. Is done.

  The insurance operator information DB 161 specifies, for example, the insurance operator terminal 200 that is permitted to access the insurance business support device 100 in addition to the information related to the insurance operator of the insurance operator TN as described above. Information (for example, IP address or MAC address) may be recorded.

  The subscriber information DB 162 stores information on the subscribers (insurance subscribers) of insurance products sold by the insurance company TN. An example of information recorded in the subscriber information DB 162 is shown in FIG. As shown in the figure, in the subscriber information DB 162, a record is created with identification information (subscriber ID) uniquely assigned to each insurance subscriber as a main key. In addition to information indicating the insurance products that are subscribed (“insurance products”), attribute information about the insurance subscriber (person attribute), attribute information about the person concerned (such as a close relative) Attribute), a flag (application flag) indicating whether or not the compensation application processing has been performed for the insurance subscriber, and the like are recorded. In addition, insurance product ID mentioned later shall be recorded as information which shows an insurance product.

  The attribute information recorded in the subscriber information DB 162 is information indicating an attribute referred to when determining the compensation contents that can be selected by the insured person as described above. Such attribute information is input on the basis of the application contents at the time of insurance subscription or the like, for example, at any time when an insurance application case occurs. In this embodiment, it is assumed that an insurance product ID, which will be described later, is recorded as information indicating the insurance coverage. In addition, “1” is recorded as the application flag when insurance is being applied, and “0” is recorded when insurance is not being applied.

  The insurance product information DB 163 stores information related to insurance products sold by the insurance company TN. Here, at least information indicating each insurance product and its application conditions is stored. An example of information recorded in the insurance product information DB 163 is shown in FIG. As shown in the drawing, in the insurance product information DB 163, a record having identification information (insurance product ID) uniquely assigned to each insurance product as a main key is created, and each record includes the insurance product information DB 163. Product information indicating a name, an insurance fee amount, etc., compensation content information of the insurance product, compensation conditions information indicating application conditions, application targets, and the like are recorded.

  The compensation content information recorded in the insurance product information DB 163 includes, for example, information indicating the amount and unit period of benefits to be paid for each predetermined period during the period in which the compensation is applied, and the content of the service to be compensated The information indicating is included. It is assumed that such compensation details are predetermined for each insurance application case. It should be noted that the limit of the benefit that is paid for each predetermined period during the period in which the compensation is applied may be increased according to, for example, the number of days of hospitalization of the insured or the like.

  The service information DB 164 stores information related to services that are compensated by insurance products sold by the insurance company TN. As described above, the insurance product according to the present embodiment compensates for the provision of various services desired by the insured in addition to the benefits when an insurance application case occurs. Therefore, the service information DB 164 stores information on services provided by such insurance application.

  An example of information recorded in the service information DB 164 is shown in FIG. As shown in the figure, in the service information DB 164, a record having identification information (service ID) uniquely assigned to each service as a main key is created, and each record includes the name and content of the service. Service information to be displayed, cost information to indicate the cost for implementing the service, business operator information to indicate a business operator that performs the service, and the like are recorded.

  Services compensated by the insurance product according to the present embodiment include, for example, arrangement of a nurse (home helper) during hospitalization or after discharge, arrangement of purchase of goods (rental) during hospitalization, arrangement of hospital transfer, Services required by the insured, such as arrangements for tutoring, transportation (e.g. taxis) at the time of discharge, arrangements for greetings required after discharge, etc. This includes services that are arranged on behalf of services that require complicated procedures.

  The contract information DB 165 stores information indicating the contract details of the insurance subscriber. An example of information recorded in the contract information DB 165 is shown in FIG. As shown in the figure, in the contract information DB 165, a record having a policy key (security number) uniquely assigned to each contract as a primary key is created, and each record includes an insurance subscriber in the contract. Are recorded, an insurance product ID (insurance product) indicating an insurance product sold under the contract, information indicating a compensation application period under the contract (compensation period), and the like.

  The implementation business entity information DB 166 stores information related to a business entity (service business operator) that implements a service that is compensated by application of insurance products sold by the insurance business operator TN. In the present embodiment, it is assumed that a service provider that has concluded a predetermined contract with the insurance provider TN in advance performs a service that is compensated for by applying the insurance product according to the present embodiment. Therefore, information regarding such service providers is stored in the implementation provider information DB 166.

  An example of information recorded in the implementation provider information DB 166 is shown in FIG. As shown in the figure, in the implementation provider information DB 166, a record having identification information (provider ID) uniquely assigned to each service provider as a main key is created. Information indicating the name, contact information such as location, telephone number, facsimile number, and e-mail address, provided service information indicating the contents of services that can be provided by the service provider, and the like are recorded. In the present embodiment, medical facilities such as hospitals are also service providers that provide medical services to insured persons. For such a medical facility, it is assumed that information on a business operator that has not made a contract with the insurance business operator TN is also stored in the implementation business operator information DB 166.

  The applied case information DB 167 stores information on a case where insurance is currently applied to the insured. An example of information recorded in the application case information DB 167 is shown in FIG. As shown in the figure, in the applied case information DB 167, a record is created with identification information (case ID) uniquely assigned to each case to which insurance is applied as a primary key, and each record is a target. Provides case information showing details of cases, history information showing history in chronological order, such as events that occurred during the period of insurance coverage after the occurrence of cases covered by insurance, and services and services specified by the insured's selection Application service information indicating the service provider that has performed is recorded.

  As described above, the insurance officer terminal 200 includes, for example, a workstation or a personal computer, and includes at least an input device (keyboard, pointing device, etc.), an arithmetic device (CPU, etc.), and a storage device (memory, hard disk, etc.). ), An output device (such as a display or a printer), etc., and a communication device such as a modem or a router, for example, so that it can communicate with the insurance business support device 100 via the in-house network 20.

  In addition, the business operator terminal 300 is also configured by, for example, a workstation or a personal computer, and at least an input device (such as a keyboard or pointing device), an arithmetic device (such as a CPU), a storage device (such as a memory or a hard disk), and an output In addition to having a device (display, printer, etc.), for example, by having a communication device such as a modem or a router, a configuration capable of communicating with the insurance business support device 100 via the communication network 10 is provided. In this case, the business operator terminal 300 has, for example, a function of receiving an e-mail transmitted from the insurance business support apparatus 100 or a function of receiving facsimile data transmitted from the insurance business support apparatus 100. And

  The operation of the insurance application system 1 configured as described above will be described below. In the present embodiment, when an insurance application case occurs, the insurance application system 1 is used to provide a service that is compensated by the insurance product according to the present embodiment to the insured. The “insurance application process” executed by the insurance business support apparatus 100 in this case will be described with reference to the flowchart shown in FIG. Here, by executing a program stored in the program storage unit 150, the control unit 110 functions as the information reception unit 111, the compensation content determination unit 112, and the information generation unit 113, and is configured in the storage unit 160. Processing is executed in cooperation with each database.

  In this insurance application process, when an insurance application case occurs, the “target specification process” (step S100) for specifying the insurance application case or the insured person, the compensation contents that can be selected by the insured person (step S100) “Compensation content determination processing” (step S200) for determining and presenting (service), and “order processing” (step S300) for placing an order for the implementation of the service selected by the insured person in the service implementation business. By sequentially executing using the business support device 100, the business for applying insurance to the insured is supported. Each process will be described below. In the present embodiment, a case will be described in which an insurance product that allows the insured to select compensation contents according to the insurance application case that has occurred is targeted.

  First, the “target identification process” will be described with reference to the flowchart shown in FIG. This process is started when the insurance person in charge of the insurance company TN accesses the insurance business support apparatus 100 using the insurance person terminal 200. In this case, for example, the insurance person operates the insurance person terminal 200 in response to a telephone call from an insurance subscriber in whom an insurance application case has occurred, and accesses the insurance business support apparatus 100.

  When there is an access from the insurance person-in-charge terminal 200, the information receiving unit 111 authenticates the accessor (login authentication) based on the authentication information recorded in the insurance company information DB 161 (step S101). That is, it is restricted that only the insurance person in charge registered in the insurance company information DB 161 can access the insurance business support apparatus 100.

  When access is permitted by login authentication (step S102: Yes), the information generation unit 113 selects “whether it is a process when an insurance application case occurs or a post-occurrence process”. A “processing selection screen” (FIG. 10A) is generated and transmitted to the insurance officer terminal 200 via the in-house network 20 in cooperation with the communication control unit 120 (step S103).

  In the insurance officer terminal 200, a process selection screen as shown in FIG. 10A is displayed on an output device such as a display. As shown in the figure, on the process selection screen, for example, a “new case process” that is a process at the time of occurrence of an insurance application case and a “progress process” that is a process of an insurance application case that has occurred are selected. Displayed as possible. The insurance person operates the insurance person terminal 200 and selects a process to be performed. Here, a new case process is selected. The insurance officer terminal 200 transmits information indicating the selected processing content (hereinafter referred to as “processing content information”) to the insurance business support apparatus 100 via the in-house network 20.

  In the insurance business support apparatus 100, when the communication control unit 120 receives the processing content information from the insurance officer terminal 200, the information is input to the insurance business support apparatus 100. In response to an input from the communication control unit 120, the information receiving unit 111 receives processing content information (step S104). The information generation unit 113 generates a screen to be displayed next in response to reception of the processing content information. The information generation unit 113 generates an “insured person information input screen” (FIG. 10B) for identifying an insurance subscriber (insured person) who is a party to the generated insurance application case, and performs communication. In cooperation with the control unit 120, the data is transmitted to the insurer terminal 200 via the in-house network 20 (step S105).

  In the insurer terminal 200, an insured person information input screen is displayed on an output device such as a display. In this insured person information input screen, for example, an area for entering a security number, the insured person's name, and the like is prepared. Enter insurer specific information). Here, the insurance person operates the insurance person terminal 200 to input the insured person identification information, and the inputted insured person identification information is transmitted to the insurance business support apparatus 100 via the in-house network 20. .

  In the insurance business support apparatus 100, the communication control unit 120 receives the insured person identification information transmitted from the insurance person in charge terminal 200 and inputs the information to the control unit 110. The inputted insured person identification information is received by the information receiving unit 111, whereby the insured person is specified (step S106). Here, the information receiving unit 111 accesses the subscriber information DB 162 or the contract information DB 165, and identifies the target insurance subscriber based on the insured person's name or the security number indicated by the insured person identification information.

  In addition, the information receiving unit 111 is a case where the target case is a newly generated case (new case) based on the processing content information received in step S104 or has already started insurance application. Is determined (step S107).

  If insurance is already applied (step S107: No), the information reception unit 111 accesses the application case information DB 167 and acquires case information about the insured person indicated by the input insured person specific information. (Step S108), a target case is specified (Step S111).

  On the other hand, if it is a newly occurred case and insurance application has not yet started (step S107: Yes), the information receiving unit 111 sets the application flag of the record of the insured in the subscriber information DB 162 to the insurance application. The information generation unit 113 generates a “case information input screen” (FIG. 10C) for designating the generated insurance application target case, and updates the internal network 20. To the insurance officer terminal 200 (step S109).

  In the insurance officer terminal 200, a case information input screen is displayed on an output device such as a display. This incident information input screen has an input area for specifying the details of the insurance coverage cases that have occurred, and the insurance person in charge responds to the insured person in response to the insurance coverage that occurred. Enter information indicating the details of the case (hereinafter referred to as “case information”). Here, for example, the type and location of the cases covered by the insurance, the content and extent of the injury received by the insured, the measures necessary to recover from the injury (for example, hospitalization or hospital visit), and the duration (for example, scheduled hospitalization) The number of days, etc.), the medical facility used at the time of the occurrence of the insurance coverage case (such as a hospital transported after the accident), etc. are entered.

  When the insurance person operates the insurance person terminal 200 and inputs the case information, the insurance person terminal 200 transmits the inputted case information to the insurance business support apparatus 100 via the internal network 20.

  In the insurance business support apparatus 100, the case information transmitted from the insurance person in charge terminal 200 is received by the communication control unit 120 and input to the control unit 110. The input case information is received by the information receiving unit 111 and recorded in the application case information DB 167 (step S110). Thereby, the generated insurance application target case is specified (step S111).

  In step S108, the information receiving unit 111 accesses the application case information DB 167, creates a new record, and stores the input case information. At this time, the information receiving unit 111 accesses the subscriber information DB 162, identifies the type of insurance that is subscribed, and the like, and records it in the application case information DB 167.

  In this way, when the generated insurance application case and the insured person are specified, the “target specifying process” ends, and the flow returns to the “insurance application process” flow shown in FIG. In this case, the “compensation content determination process” is executed (step S200). This “compensation content determination process” will be described with reference to the flowchart shown in FIG.

  When the process is started, the information generation unit 113 first determines whether the insured person can select a compensation content (service) that can be selected by the insured person, or has already been compensated by the insured person. A process selection screen for causing the insurance person to select whether or not (service) is selected is generated and transmitted to the insurance person terminal 200 via the internal network 20 in cooperation with the communication control unit 120. (Step S201).

  In the insurance officer terminal 200, a process selection screen is displayed on an output device such as a display, and the insurance officer operates the insurance officer terminal 200 to select which process to execute. Here, since a case subject to insurance application has occurred, a process for selecting compensation contents (services) that can be selected by the insured or the like is selected. The insurance officer terminal 200 transmits information (processing content information) indicating the processing content selected by the insurance officer to the insurance business support device 100 via the in-house network 20.

  In the insurance business support apparatus 100, the communication control unit 120 inputs the processing content information transmitted from the insurance person in charge terminal 200 to the insurance business support apparatus 100. The information receiving unit 111 receives processing content information in response to an input from the communication control unit 120 (step S202). Based on the received processing content information, the information receiving unit 111 determines whether the process selected by the insurance person is the specification of the compensation content (service) or the order of the already selected service (step S203). ). If the order has already been selected for the service (step S203: No), the “compensation content determination process” is terminated, and the flow returns to the “insurance application process” (FIG. 8). In this case, “order processing” (details will be described later) for ordering the selected service is executed (step S300).

  On the other hand, when the process selected by the insurer is identification (discrimination) of compensation contents (services) that can be selected by the insured or the like (step S203: Yes), the compensation contents judgment unit 112 receives the subscriber information. The DB 162 is accessed, and from the insured person's record specified in step S106 of the target specifying process, the attribute information of the insured person and the attribute information of the person concerned (such as a close relative) ("Insured person attribute information") is acquired (step S204).

  When the compensation content determination unit 112 acquires the attribute information of the insured or the like, the information generation unit 113 generates an “attribute information display screen” (FIG. 12) that displays the acquired attribute information in a modifiable manner, and performs communication control. The data is transmitted to the insurer terminal 200 via the unit 120 and the internal network 20 (step S205).

  In the insurance officer terminal 200, an attribute information display screen is displayed on an output device such as a display. Here, the attribute information already registered in the subscriber information DB 162 is displayed so that it can be corrected, and unregistered items can be input. The person in charge of insurance confirms the correctness of the already registered attribute information by telephone contact with the insured person and requests notification of unregistered items. The insurance person operates the insurance person terminal 200 to correct / add attribute information based on the contact from the insured person. The insurance officer terminal 200 transmits the attribute information modified or added by the insurance officer to the insurance business support apparatus 100 via the in-house network 20.

  In the insurance business support device 100, the communication control unit 120 receives the attribute information transmitted from the insurance officer terminal 200 and inputs the attribute information to the control unit 110. The information receiving unit 111 accesses the subscriber information DB 162, and when the input attribute information is corrected or added, the information receiving unit 111 updates the attribute information recorded in the insured person's record (step S206).

  Next, the compensation content determination unit 112 determines the limit amount for each predetermined period when compensating for the provision of the service based on the content of the insurance coverage case that has occurred and the compensation content of the insurance product with which the insured is contracted. Is determined (step S207). Here, the compensation content determination unit 112 accesses each database of the insurance provider information DB 161, specifies the amount of benefit for each predetermined period covered by the applied insurance, and uses this amount of benefit as the service compensation limit. And The service compensation limit may be increased in accordance with, for example, the number of days of hospitalization of the insured or the like. In addition, when a service is provided to an insured person (details will be described later), the amount is reduced according to the content of the service.

  When determining the limit amount for each predetermined period, the compensation content determination unit 112 determines, among the services recorded in the service information DB 164, based on the content and limit amount of the insurance product with which the insured is contracted. The service (compensation content) that can be selected by the insured is determined and specified (step S208). Here, after specifying compensation contents selectable by the insured for each predetermined period, compensation is made within the limit determined for each predetermined period based on the cost information of each service recorded in the service information DB 164. The services that can be used are specified as compensation contents that can be selected by the insured.

  When selectable compensation content is determined based on the insurance product and the limit amount, the compensation content determination unit 112 identifies based on the attribute information of the insured, etc., the content of the insurance application case that has occurred, etc. Further, it is determined and specified which compensation content (service) is suitable for the insured person or the like from the compensation content thus provided (step S209). Here, in order to propose a service according to the situation of the insured person from the insurance company TN to the insured person, the compensation content determination unit 112 selects a suitable service.

  In this case, for example, as shown in FIGS. 13 and 14, a suitable service corresponding to the situation of the insured person is selected every predetermined period.

  When the compensation content determination unit 112 specifies a service that is suitable for the insured or the like, the information generation unit 113 generates selectable service information indicating the service specified by the compensation content determination unit 112, and the communication control unit In cooperation with 120, the data is transmitted to the insurer terminal 200 via the in-house network 20 (step S210), and the “compensation content determination process” is terminated. Here, selectable service information is generated so that the specified service can be selected by operating the insurance officer terminal 200.

  In the insurance officer terminal 200, selectable service information transmitted from the insurance business support device 100 is displayed on an output device such as a display. For example, the person in charge of insurance notifies which service (compensation content) is selectable by the insured by telephone or the like. Alternatively, the selectable service information transmitted from the insurance business support device 100 is printed out by an output device such as a printer, for example, and the insurer visits the insured or the like to select a service ( Compensation details).

  The insured person or the like is notified of selectable services (compensation contents) by the activities of the person in charge of insurance. The insured or the like selects a service desired to be provided from the proposed services, and notifies the insurance person in charge. The insurance officer who has been notified of the selected service uses the insurance officer terminal 200 to perform a task for implementing the selected service. Here, the service is performed by placing an order for the service to be executed from the service provider that has contracted with the insurance provider TN. In this case, the “ordering process” is executed by the insurance business support apparatus 100 (step S300). This “ordering process” will be described with reference to the flowchart shown in FIG.

  Here, when the insured person notifies the insured or the like of selectable services by telephone contact or the like, and the insured or the like selects on the spot, the above “compensation content determination process” (step S200). The “order processing” is executed continuously. On the other hand, when the insurance person notifies the selectable compensation contents by visiting the insured or the like, the above “target identification process” (step S100) is executed again, and then the “compensation content determination process” is performed. In “”, the insurance person selects that “the process for placing an order for the selected service” (step S203: No), and the “order process” is executed.

  When the process is started, the information generation unit 113 generates the selectable service information generated in step S210 of the “compensation content determination process” and cooperates with the communication control unit 120 via the internal network 20. It transmits to the insurance person in charge terminal 200 (step S301). That is, information indicating compensation contents (services) that can be selected by the insured or the like is displayed on the display of the insurer terminal 200 in a format that the insurer can select by operating the insurer terminal 200. .

  The insurance person operates the insurance person terminal 200 and selects the service (compensation content) selected by the insured or the like. The insurance person-in-charge terminal 200 transmits information indicating the selected service (hereinafter referred to as “selected service information”) to the insurance business support apparatus 100 via the in-house network 20.

  In the insurance business support device 100, the communication control unit 120 receives the selected service information transmitted from the insurance officer terminal 200 and inputs it to the control unit 110. The information receiving unit 111 receives the selected service information by input from the communication control unit 120 (step S302).

  When the selected service information is received by the information reception unit 111, the compensation content determination unit 112 accesses the application case information DB 167 and identifies the insurance application target case for which the service is to be provided (step S303). Further, the subscriber information DB 162 is accessed, and attribute information such as the insured person is acquired (step S304).

  Next, the compensation content determination unit 112 accesses the service provider information DB 166, the service content indicated by the selected service information received in step S301, the insurance application case identified in step S303 and the insured person acquired in step S304. Based on the attribute information, etc., an implementation provider suitable for implementing the service selected by the insured or the like is specified (step S305). Here, for example, a suitable operator is identified by selecting an operator who can provide a service in a place where the insured or the like needs the service.

  When the service provider is specified by the compensation content determination unit 112, the information generator 113 generates order information for placing an order for the service provider to perform the service (step S306). Here, for example, an e-mail including the contents of the service to be ordered, the location and date of the service, information about the insured person who is the client, and the like is created.

  The information generation unit 113 transmits (outputs) the created ordering information to the service provider terminal 300 of the identified service service provider via the communication network 10 in cooperation with the communication control unit 120 (step). S307), the process is terminated. As a result, the implementation of the service selected by the insured is ordered from the service provider and provided to the insured.

  In this way, when the service is provided to the insured or the like, information regarding the contents of the service provided to the insured or the like is recorded in the application case information DB 167. Then, the compensation content is updated sequentially as time passes during the insurance application period. That is, by executing the compensation content determination process described above again during the insurance application period, the compensation content (service) that can be selected by the insured at that time is determined. In this case, the compensation content determination unit 112 determines the limit amount for each predetermined period again.

  The limit amount for each predetermined period is determined based on, for example, the accumulated amount of benefits provided for each predetermined period. For example, as illustrated in FIG. 13 and FIG. 14, when a benefit of ¥ 100,000 is paid every 10 days from 3 days after hospitalization until the hospital is discharged, from the 3rd day to 13th day (first period) The limit amount is ¥ 100,000, and the services that can be selected by the insured during the first period can be provided within the limit amount. Next, ¥ 100,000 will be further paid from the 14th day to the 23rd day (second period) of hospitalization, but if the insured did not receive the service in the first period, the first period A service can be selected with a limit amount of ¥ 200,000, which is the cumulative amount of the limit amount and the limit amount for the second period. On the other hand, when the insured or the like is provided with the service in the first period, the amount obtained by subtracting the cost for providing the service from the accumulated amount is the limit amount until the second period.

  As a result, the limit amount for each predetermined period is reduced according to the contents of the service provided to the insured. However, the limit amount for each predetermined period may be increased according to, for example, the number of days of hospitalization of the insured or the like, so that the limit amount for each predetermined period may be increased or decreased through the above process. When such a limit is calculated, the compensation content determination unit 112, based on the history information recorded in the application case information DB 167 as needed, the status of the insured at that time (for example, being hospitalized) , The medical treatment period after discharge, etc.) and the limit amount for each predetermined period is calculated based on the date / time information indicated by the history information.

  As described above, by performing “insurance application processing” using the insurance business support apparatus 100 according to the present embodiment, insurance that allows the insured or the like to select the compensation content according to the insurance application case that has occurred. It is possible to efficiently carry out insurance application work for products. As a result, the various inconveniences that the insured, etc. are forced after the occurrence of an insurance coverage case can be resolved by providing services according to individual circumstances, and the application is made smoothly. Can improve customer satisfaction. In addition, since the insurance application business for such insurance products is performed using an information system such as the insurance business support device 100, the efficiency of the insurance application business can be improved.

  The above embodiment is an example, and the scope of application of the present invention is not limited to this. That is, various applications are possible, and all embodiments are included in the scope of the present invention.

  For example, in the above-described embodiment, the order information for placing an order for service execution from the service provider is an e-mail. However, the present invention is not limited to this, and order information may be generated and output in any form. For example, it may be printed out by an output device such as a printer and transmitted to the service provider by facsimile communication.

  In the above embodiment, the case of non-life insurance such as car insurance has been described as an example. However, the type of insurance is not limited to this, and it is arbitrary, and the insured etc. compensates according to the insurance application case that occurred. If the content (service) can be selected, the present invention can be applied to insurance application for various insurance products.

  In the above embodiment, a limit amount is set for each predetermined period, and services that can be provided within the limit amount are specified. However, setting the limit amount is optional, and services are specified without setting a limit amount. May be.

  In the above embodiment, the insurer terminal 200 is configured by an information processing apparatus installed at the base of the insurance company TN. However, for example, a portable terminal device (for example, a notebook personal computer) that can be carried by an insurer. The insurer terminal 200 may be configured by a computer or PDA (Personal Data Assistance). According to this configuration, for example, when an insurance person visits an insured person or the like, the insurance application work can be performed on the spot, and the insurance application work can be advanced more efficiently. In this case, for example, an authentication function such as a RAS (Remote Access Server) is configured in the insurance business support device 100, and authentication is performed based on identification information unique to the terminal, a telephone line number, and the like, thereby making access using the in-house network 20 To do. Alternatively, for example, access via a communication network 10 such as the Internet may be realized by using a security function such as VPN (Virtual Private Network). Such an access method may be applied when using the insurer terminal 200 installed at each base of the insurance company TN.

  In the above-described embodiment, the example in which the information system on the insurance provider TN side is configured by the client-server system has been described. However, the form of the information system for implementing the present invention is not limited to this and is arbitrary. For example, the above-described various inputs / outputs may be performed using the input device 13 and the output device 14 of the insurance business support device 100. Alternatively, each insurance officer terminal 200 has the same functions as the information reception unit 111, the compensation content determination unit 112, the information generation unit 113, and the like described above. Processing may be executed. In this case, processing may be performed using each database configured in the insurance business support apparatus 100, or for example, each database described above may be configured and processed in each insurance officer terminal 200. . That is, each process described above may be executed by cooperation of a plurality of information processing apparatuses, or may be executed by a single information processing apparatus.

  In the above embodiment, only the insurance person in charge of the insurance company TN inputs / outputs information. However, for example, by restricting the information to be provided and accessible persons, the insurance subscriber Information may be input / output. In this case, for example, using any information processing device such as a personal computer, the insurance business support device 100 is accessed via the communication network 10 such as the Internet, and compensation contents (services) selectable by each insurance subscriber are obtained. Enable to query. As a result, the insurance subscriber can perform the simulation of the compensation contents in advance, and can smoothly proceed with the insurance staff after the insurance application case occurs. Further, the service order may be made by an insurance subscriber or the like.

  The insurance business support device 100 and the insurance person in charge terminal 200 according to the above embodiment can be configured by using a general-purpose computer device as well as a dedicated device. That is, by installing and executing the above-described program in such a general-purpose device, it can function as the insurance business support device 100 or the insurance staff terminal 200 according to the above embodiment.

  Such a program providing method is arbitrary. For example, the program data can be stored and distributed in a storage medium such as a CD-ROM, and the program data can be superposed on a carrier wave so that a predetermined communication medium (for example, It can also be distributed via the Internet).

It is a figure which shows the structure of the insurance application system concerning embodiment of this invention. It is a block diagram which shows the structure of the insurance business support apparatus shown in FIG. It is a functional block diagram which shows the function implement | achieved by the control part shown in FIG. It is a figure which shows the example of the database comprised by the memory | storage part shown in FIG. It is a figure which shows the example of the information recorded on the database shown in FIG. 4, (a) shows the example of the information recorded on insurance provider information DB, (b) is the information recorded on subscriber information DB. (C) shows an example of information recorded in the insurance product information DB. It is a figure which shows the example of the information recorded on service information DB shown in FIG. It is a figure which shows the example of the information recorded on the database shown in FIG. 4, (a) shows the example of the information recorded on contract information DB, (b) shows the information recorded on implementation provider information DB. An example is shown, and (c) shows an example of information recorded in the application case information DB. It is a flowchart for demonstrating the "insurance application process" concerning embodiment of this invention. It is a flowchart for demonstrating the "target specification process" performed by the insurance application process shown in FIG. It is a figure which shows the example of a display of the screen displayed by the object specific process shown in FIG. 9, (a) shows the example of a display of a "process selection screen", (b) is the table | surface of an "insured person information input screen" An example is shown, and (c) shows a display example of a “case information input screen”. FIG. 9 is a flowchart for explaining a “compensation content determination process” executed in the insurance application process shown in FIG. 8. FIG. It is a figure which shows the example of a display of the "attribute information display screen" displayed by the compensation content discrimination | determination process shown in FIG. It is a figure which shows the example of the service specified in the compensation content discrimination | determination process shown in FIG. It is a figure which shows the other example of the service specified in the compensation content discrimination | determination process shown in FIG. FIG. 9 is a flowchart for explaining an “ordering process” executed in the insurance application process shown in FIG. 8. FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Communication network 20 Internal network 100 Insurance business support apparatus 111 Information reception part 112 Compensation content discrimination | determination part 113 Information generation part 161 Insurance company information DB
162 Subscriber information DB
163 Insurance product information DB
164 Service information DB
165 Contract information DB
166 Implementing company information DB
167 Application case information DB
200 Insurance officer terminal 300 Implementing company terminal

Claims (9)

On the computer,
A storage step of storing in a storage device in advance the subscriber information relating to the insurance subscriber and the insurance product information relating to the insurance product for which the performance of the service is compensated;
An input step for receiving input of case information related to a case subject to insurance coverage;
A determination step of determining compensation contents that can be selected by the insured based on the input case information and the subscriber information and insurance product information stored in the storage device;
An output step of outputting compensation information indicating at least the determined compensation content;
An insurance application method characterized by applying insurance that allows the insured to select compensation contents according to the insurance application case that has occurred. In the computer,
A designation step for designating a service selected by the insured by receiving input of information indicating the compensation content selected based on the compensation information output in the output step;
Selection is made by creating ordering information for placing an order for the execution of the service specified in the specifying step, and transmitting the generated ordering information to a terminal device of a provider that performs the service via a communication network An ordering step to order the performance of the service provided;
To run further,
The insurance application method according to claim 1. The storage step stores in advance, in the storage device, company information indicating a service provider, in association with the insurance product information,
The ordering step selects a service provider that implements the service specified in the specification step based on the provider information, and transmits the order information to a terminal device of the selected service provider.
The insurance application method according to claim 2, wherein: The subscriber information includes attribute information of each insurance subscriber,
In the determination step, based on the attribute information of the insured person, a compensation content that can be selected by the insured person is determined.
The insurance application method according to any one of claims 1 to 3. The insurance product information includes information indicating the cost of implementing each compensation content,
The determination step sets a predetermined limit amount for each predetermined period, and determines the compensation content that can be selected by the insured based on the set limit amount and the cost for implementing each compensation content.
The insurance application method according to any one of claims 1 to 4, wherein the insurance is applied. Subscriber information storage means for storing subscriber information related to insurance subscribers in advance;
Insurance product information storage means for storing in advance insurance product information relating to insurance products for which the implementation of the service is compensated;
Accepting the input of the case information related to the insurance application case, the input case information, the subscriber information stored in the subscriber information storage means, and the insurance product information stored in the insurance product information storage means Based on the compensation content determination means for determining the compensation content selectable by the insured,
Output means for generating compensation information indicating the compensation content determined by the compensation content determination means, and outputting the generated compensation information;
An insurance business support device comprising: An operator information storage means for storing in advance operator information related to an operator of a service compensated by the insurance product;
The business in which designated service information indicating the service selected based on the compensation information output by the output means is received and the service provider indicated by the input designated service information is stored in the business information storage means Implementing company discriminating means for discriminating based on the person information,
Ordering means for generating ordering information for placing an order for the implementation of the service indicated by the designated service information, and transmitting the ordering information to a terminal device of the executing company determined by the executing company determining means via a communication network And further comprising
The insurance business support device according to claim 6. The insurance product information includes at least service information indicating a plurality of services compensated by the insurance product, and cost information indicating a cost for performing each service,
The compensation content determination means sets a predetermined limit amount for each predetermined period, and the insured can select based on the set limit amount and the cost information stored in the insurance product information storage means Determine the compensation,
The insurance business support device according to claim 6 or 7, wherein On the computer,
Subscriber information relating to insurance subscribers, insurance product information relating to insurance products for which the insured can select compensation contents, and business operator information indicating a service provider of services compensated by the insurance products are stored in advance. Function and
A function for receiving input of case information related to cases covered by insurance coverage,
A function for determining compensation contents that can be selected by the insured based on the input case information, the subscriber information, and the insurance product information;
A function for outputting compensation information indicating the determined compensation content;
A function of receiving input of designated service information indicating a service selected based on the outputted compensation information;
A function of determining a service provider of the service indicated by the input designated service information based on the provider information;
A function of creating ordering information for ordering execution of the designated service based on the inputted designated service information;
A function for sending the created order information to the terminal device of the determined implementation company to the terminal device of the service implementation company via the communication network, and ordering the implementation of the specified service;
A program characterized by realizing.

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