JP2008090577A - Insurance management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance management system for making the storage device of the management headquarter of this system preliminarily store the contract content of an insurance for which a member or the like has made a contract, and for surely showing the contract content of the insurance for which the member or the like has made a contract in response to an inquiry from the member or the like. <P>SOLUTION: This insurance management system includes an input device and a display device and a data processor and a storage device, and the storage device is made to store the contract content data of an insurance in the file of each personal data by the data processor by preliminarily inputting personal data to specify an insurance contractor as a member and the contract content data of the insurance for which the member and the family have made a contract by the input device, and when the personal data are input from the input device in response to an inquiry from the member or the family or the persons concerned, the file matched with the personal data is retrieved from the data stored in the storage device by the data processor, and the contract content data of the insurance, for which the member and the family have made a contract, stored in the matched file are displayed on the display device. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an insurance management system in which claims such as insurance money can be reliably made for insurance contracted by a member.

  There are various types of insurance, life insurance and non-life insurance, and those contractors are prepared in case of an emergency by signing such insurance. And the contents of the contract are various. In the case of an emergency, these insurances are paid by the policyholder by invoking the insurance company. The insurance company is not obligated to pay unless requested by the policyholder, and the insurance company does not actively encourage the policyholder.

  Therefore, if the contractor is unable to make a sufficiently accurate judgment about the contents of the insurance contract due to old age, or if the contractor suddenly becomes unforeseen, only the contractor himself / herself will have If it is managed, the family members may not know what kind of insurance the person has contracted, and eventually there may be cases where claims such as insurance money are not made. In addition, when claiming insurance money, it is also difficult to accurately check the invoice company's billing destination, billing documents, what kind of insurance money is paid, and the insurance amount.

  In particular, in recent years, it is often necessary to receive nursing care due to dementia due to old age, and it is not possible to receive careful nursing care without sufficient income and assets. Here, if payment of insurance money etc. is made surely, it is possible to settle with insurance money at the time of death, and even if there is not enough income at the time of receiving care, It is also possible to receive satisfactory care.

Japanese Patent Laid-Open No. 2002-63363 discloses a technique related to a health management system, but it is merely a technique for facilitating management of insurance contracted by a contractor from the insurance company side.
JP 2002-63363 A

  The technique described in Patent Document 1 is not a technique for managing from the contractor side in such a way that claims such as insurance money can be reliably made to the insurance company for the contracted insurance. Therefore, even if the policyholder is unable to make a sufficiently accurate judgment about the contents of the insurance contract, or if the policyholder suddenly becomes inadvertent, the family, etc. will contract any insurance. If there is a system that can easily and accurately know whether or not it is insured, claims such as insurance claims can be made reliably. Here, when it is necessary to claim insurance money, etc., if the billing destination, billing documents, insurance amount, etc. can be known accurately, the claiming procedure becomes easy.

  The present invention has been made in view of the circumstances as described above, and the contents of the insurance contract that the member has contracted are stored in advance in the storage device of the management headquarters of the system, and in response to an inquiry from the member, etc. An object of the present invention is to provide an insurance management system capable of surely showing the contract contents of the insurance contracted by the member.

  In order to achieve this object, an insurance management system of the present invention comprises an input device, a display device, a data processing device, and a storage device, and the member contracts with personal data that specifies a policyholder who is a member. The insurance contract content data is input in advance with the input device, and the data processing device stores the insurance contract content data in a file for each personal data in the storage device, and the member or its family or the When the personal data is input from the input device in response to an inquiry from a related person, the data processing device searches the data stored in the storage device for a file that matches the personal data, and if there is a matching file. For example, the insurance contract content data stored in the file is displayed on the display device.

  Also, comprising an input device, a display device, a data processing device, and a storage device, personal data for identifying a policyholder who is a member and insurance contract content data for which the member and his family have contracted, The insurance contract data is stored in a file for each personal data in the storage device by the input device and the data processing device stores the insurance contract content data in response to an inquiry from the member or their family or related parties. When the personal data is input from the device, the data processing device searches the data stored in the storage device for a file that matches the personal data, and if there is a matching file, the data stored in the file You may comprise so that the policy content data of the insurance which the family has contracted may be displayed on the display device.

  It comprises an input device, a display device, a data processing device, and a storage device. The personal data for identifying the policyholder as a member and the life insurance, property insurance, and property insurance contracted by the member are dead. Contract content data for hospitalization, hospital visits, and other expenses to be compensated are input in advance using the input device, and the insurance contract content data is stored in a file for each personal data in the storage device by the data processing device. The insurance coverage and death, hospitalization, outpatient, etc. of the life insurance, non-life insurance, and non-life insurance from the member or their family members When the personal data and the inquiry content are input from the input device in response to an inquiry about insurance money such as expenses, the data processing device A file that matches the personal data is searched from the data stored in the storage device, and if there is a matching file, the life insurance, non-life insurance, and non-life insurance of the member contracted by the member stored in the file is searched. The contents of insurance, which compensates for death, hospitalization, hospitalization, and other expenses, and contracts where insurance is paid for death, hospitalization, hospitalization, etc. of the insured are detected, and if applicable, the contents of the contract Data can also be displayed on the display device.

  In addition, the personal data that includes an input device, a display device, a data processing device, and a storage device, and that identifies a policyholder who is a member, and life insurance, non-life insurance, and non-life insurance contracted by the member and their family Contract contents data for compensation of death, hospitalization, hospital visit, and other expenses among them are input in advance by the input device, and the insurance contract is stored in the file for each personal data in the storage device by the data processing device. Content data is memorized, and the insurance content, death, hospitalization, etc. of the life insurance, non-life insurance, and non-life insurance from the member or their family members or related persons are compensated for death, hospitalization, hospital visit, and other expenses. When the personal data and the content of the inquiry are input from the input device in response to an inquiry about insurance money such as hospital visits and other expenses, the data The physical device searches for a file that matches the personal data from the data stored in the storage device, and if there is a matching file, the life insurance contracted by the member and its family stored in the file, Non-life insurance and non-life insurance that compensates for death, hospitalization, hospital visits, and other expenses, but detects insurance content and contracts where insurance is paid for death, hospitalization, hospital visit, etc. If there is a contract, the contract content data can be displayed on the display device.

  Furthermore, an input device, a display device, a data processing device, and a storage device are provided, and personal data for specifying a policyholder who is a member and contract content data of insurance contracted by the member are stored in the input device in advance. Insurance that has an expiration date with respect to the insurance contract content data stored in the storage device by storing the insurance contract content data in a file for each personal data in the storage device by the data processing device It is also possible to search for insurance whose expiry date approaches within a predetermined period, and display the contract content data of the searched insurance and the member who has contracted the insurance on the display device. it can.

  Furthermore, an input device, a display device, a data processing device, and a storage device are provided, and personal data for identifying a policyholder who is a member and insurance contract content data for which the member and his / her family are contracted in advance. The insurance contract content data entered in the input device and stored in the storage device by the data processing device in a file for each personal data is expired with respect to the insurance contract content data stored in the storage device. A search is made for an insurance whose expiry date approaches within a predetermined period from among the insurances having a time limit, and the contract content data of the searched insurance and the member who has contracted the insurance are displayed on the display device. It is also possible to configure.

  In the insurance management system according to claim 1 or 2, if the personal data matches in response to an inquiry from a member or its family or related parties, the insurance of the contract with which the member or the member and the family are contracted. Since the contents of the contract can be shown, even if the memory of the member himself becomes unclear or unforeseen, the insurance company can provide insurance money etc. according to the insurance contents without basing on the memory of the member Can be properly billed.

  In the insurance management system according to claim 3 or 4, in response to inquiries regarding insurance claims such as death, hospitalization, hospital visit, and other expenses of insured persons from members, their families or related parties, personal data If there is a life insurance with a contract that matches the conditions of the inquiries, and there is a non-life insurance that compensates for death, hospitalization, hospital visit, or other expenses, the contract can be shown. Appropriate claims such as insurance claims can be made to insurance companies depending on the content.

  In the insurance management system according to claim 5 or 6, for the insurance contracted by the member or the member and his / her family, the insurance whose expiration date is approaching within a predetermined period is searched from the insurances having expiration dates. Therefore, it is easy to notify members and the like that the expiration date of the insurance is approaching, and the insurance contract can be renewed appropriately.

  Embodiments of the present invention will be described below with reference to FIGS. FIG. 1 is a block diagram showing a basic configuration of an insurance management system of the present invention. FIG. 2 is a flowchart in which the contract content data of the insurance contracted by the member is input in advance. FIG. 3 is a block diagram when inquiring from a member or the like. FIG. 4 is a flowchart for searching and displaying in order to respond to insurance inquiries from members and the like. Fig. 5 is a search display for responding to insurance inquiries such as details of life insurance and non-life insurance from members, etc., and death, hospitalization, hospital visit, and other expenses of insured persons within life insurance and non-life insurance It is a flowchart to do. FIG. 6 is a flowchart for searching and outputting an insurance approaching the expiration date from among the insurances having an expiration date.

  First, as shown in FIG. 1, the basic configuration of the insurance management system of the present invention includes an input device 10, a display device 12, a printing device 14, a data processing device 16, and a storage device 18. These devices are installed in the management headquarters of the system, and are appropriately input and output by an operator. A member becomes a member by paying a predetermined membership fee to the insurance management system, and the member can entrust the management of the insurance contracted by himself and his family. Then, personal data is set by appropriately combining the name, address, date of birth, telephone number and the like for the policyholder who becomes a member in order to identify himself / herself. In addition, a file is created in advance for each personal data, and all life insurance and non-life insurance contract contents data contracted by members and their family members are stored and stored in the storage device 18. Here, when the member newly contracts for insurance or changes the contract contents of the already contracted insurance, the member informs the management headquarters each time and informs the insurance stored in the storage device 18. Make the contract content data up to date. Therefore, the personal data for identifying the person presented by the member and the insurance contract content data for which the member and his / her family are contracted are input by the operator using the input device 10, and the data processing device 16 stores the storage device. In FIG. 18, all insurance contract content data is stored and saved in a file for each personal data. In the data processing device 16, as shown in FIG. 2, when the operator inputs personal data and insurance contract content data with the input device 10 (step 1), there is an existing file that matches the personal data. (Step 2). If there is no file that matches the input personal data in step 2, a new file is created as a new member and the personal data is written to the file (step 3). When step 3 is completed or a file with matching personal data is retrieved in step 2, if the entered insurance contract content data is a new insurance, the content data is stored in the file and the existing contract is stored. If a part of the insurance is changed, a part of the insurance contract content data stored in the file is rewritten and changed (step 4), and the input operation is terminated.

The following data is stored as insurance contract content data.
First, for both life insurance and non-life insurance, each insurance type, insurance company name and security number, and the inquiry destination of the insurance company at the time of claim are stored.
And for life insurance, insurance period, premium, age paid, premium payment method, main contract insurance amount and its payment conditions, types of special contract, insurance amount and payment conditions for each special contract, Conditions related to the receipt of insurance claims, such as insurance beneficiaries.
For non-life insurance, the insurance period, insurance premium, premium payment method, insurance amount, special contract insurance amount, special contract payment conditions for each insurance type, and for car insurance, vehicle information, For license information, family information, age information, and fire insurance, location information, area information, and structure information are added.
These insurance contract contents data is obtained by storing a copy of the insurance policy or enrollment certificate, etc. of the insurance contracted by the member in the administration headquarters, and obtaining accurate contract contents data. At the same time, it may be used as proof of the existence of an insurance contract.

  In this state, when the member or his / her family member or the related person wants to know the details of the insurance contracted, the operator 24 of the system management headquarters via the telephone line 22 or the like from the member 20 as shown in FIG. You can contact us by phone. Then, as shown in FIG. 4, in order to confirm that the inquired member or the like is the person himself / her or his / her family or a related person, the operator asks for personal data for identifying the member. Then, the answered personal data is input to the input device 10 (step 1). Then, the data processing device 16 searches for a file that matches the personal data from the data stored in the storage device 18 (step 2). If there is a matching file, the insurance contract data stored in the file is displayed on the display device 12 and printed out by the printing device 14 as necessary (step 3). Then, the operator explains to the person who has inquired about the contents of the insurance contract displayed on the display device 12 or the like. In addition, if necessary, the printed document is mailed. In step 2, if a file with matching personal data cannot be searched, the personal data of the member is again asked and the personal data answered is input again. If the personal data is incorrect, it is determined that the inquiry is not from a legitimate person and the inquiry is rejected.

  In addition, in the case of inquiries from members, etc. of life insurance and non-life insurance, accident insurance and long-term care insurance, etc. that compensate for death, hospitalization, and hospital visits, claims for death, hospitalization, hospital visits, etc. There is a thing about availability. In response to an inquiry with such a condition, as shown in FIG. 5, the operator first asks for the member's personal data and the inquiry condition, and inputs the data to the input device 10 (step 1). Then, the data processing device 16 first searches for a file with matching personal data (step 2), and if there is a matching file, the life insurance and non-life insurance stored in the file, death, hospitalization, The insurance that matches the inquired condition is searched from the accident insurance and care insurance contract contents that compensate the hospital visit (step 3). If there is an insurance that meets the conditions, the insurance contract content is displayed on the display device 12 together with data such as insurance money, and printed out by the printing device 14 as necessary. If no insurance that matches the inquiry condition is found in step 3, the display device 12 displays that fact (step 5). If a file with matching personal data cannot be searched in step 2, this is displayed on the display device 12 (step 6). Based on these results, the operator appropriately answers the person who made the inquiry.

  When claiming insurance money or the like to the insurance company, it is made by the member himself / herself or his / her family member or related person, but it goes without saying that the creation of claim documents is assisted. In addition, if the insurance company cannot make a claim from the member or his / her family member, an introduction of a person who can act as a lawyer or the like can be made.

  By the way, there are generally short-term contracts for life insurance and non-life insurance that require renewal of contracts every year, such as car insurance and fire insurance. For such insurance, if the expiration date of the insurance is forgotten and proper continuation procedures are not performed, a dangerous situation that is not protected by insurance occurs. In order not to cause such a problem, it is desirable to notify the member when the expiration date of the insurance is approaching, and to encourage proper continuation procedures. Therefore, for example, as shown in FIG. 6, for example, a due date of two months ahead is set (step 1), and is set for all insurances having expiration dates stored in the storage device 18 by the data processing device 16. Insurance that expires by the due date is searched (step 2), and the expired insurance is displayed on the display device 12 for each personal data (step 3), and further, for each personal data, that is, for each member by the printing device 14. The search result is printed out (step 4). In step 2, if there is no insurance that expires by the set due date, that fact is displayed on the display device 12 (step 5). In step 4, the printed matter printed out for each member is mailed to the member as appropriate, so that the member can easily be notified that the expiration date of the insurance is approaching.

  In the search for the insurance that is about to expire, the operator may set an appropriate due date as the expiration date and input the expiration date to the input device 10 to start the search. It is desirable that an appropriate date is automatically set every certain period and a search operation is started by a program incorporated in the processing device 16. The insurance approaching the expiration date may be searched every certain period. However, insurance that is within a predetermined period such as two months until the expiration date is searched every day and printed out by the printing device 14 as appropriate. You may make it.

  In the above embodiment, the operator has been described as performing an input / output operation or the like at one location in the system management headquarters. However, the present invention is not limited to this. Considering that telephone calls from members, etc. are not far away, the PCs operated by dispersed operators and the host computer of the system management headquarters are connected by telephone line or the Internet, etc. It is possible to manage insurance for members and the like in the same manner as in the above. In the above embodiment, the personal data for identifying the member is not limited to the above description, and may be set as appropriate. From the simple name and phone number, or the phone number registered in advance to the administration headquarters. The telephone number and the date of birth of the member may be combined, the ID number assigned to the member by the administration headquarters, the personal identification number set by the member itself, or the like may be incorporated into the personal data. Furthermore, not only the personal data of the member but also the name, address, date of birth, etc. of the member's family can be registered in advance, and this can be used as a proxy for the personal data of the member so that the member cannot make a call. In some cases, the family may make inquiries by phone. In the file set for each member, all the insurance contracted by the member and their family is stored and saved, but not limited to this, only the insurance contracted by the member himself / herself is stored. You may make it preserve | save. Moreover, the range of the member's family may be limited to those who live together, and may include those who do not live together. Further, the person who can inquire about the insurance is basically limited to the person who can know the personal data of the member, but it may be set in advance so that the person requested by the member or his / her family can also be inquired.

  In the above-described embodiment, the system manages the insurance contracted by the member, but it is also possible to manage warranty services such as household appliances using a similar system. In managing this home appliance warranty service, by registering in advance the type, etc., of the purchased home appliance, manufacturer, dealer, purchase date, warranty period, etc. Such information can be easily obtained from the administration headquarters.

It is a block diagram which shows the basic composition of the insurance management system of this invention. It is a flowchart which inputs previously the contract content data of the insurance which the member has contracted. It is a block diagram in the case of inquiring from a member. It is a flowchart displayed by searching in order to respond to insurance inquiries from members and the like. This is a flowchart to search and display the contents of life insurance and non-life insurance from members, etc., and to respond to insurance inquiries such as death, hospitalization, hospital visit, and other expenses of insured persons within life insurance and non-life insurance. . It is a flowchart which searches for and outputs an insurance approaching an expiration date from insurances having an expiration date.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Input device 12 Display device 14 Printing device 16 Data processing device 18 Storage device 20 Member 22 Telephone line 24 Operator

Claims (8)

  An input device, a display device, a data processing device, and a storage device are provided, and personal data for identifying a policyholder who is a member and insurance contract content data for which the member has contracted are input in advance using the input device. The data processing device causes the storage device to store the insurance contract content data in a file for each personal data, and in response to an inquiry from the member, the family or the related person, the personal data from the input device. The data processing device searches the data stored in the storage device for a file that matches the personal data, and if there is a matching file, the insurance contract content data stored in the file is stored in the file. An insurance management system configured to display on a display device.   The input device includes an input device, a display device, a data processing device, and a storage device, and personal data for identifying a policyholder who is a member and contract content data of insurance contracted by the member and their family The data processing device causes the data processing device to store the insurance contract data in a file for each personal data in the storage device, and from the input device in response to an inquiry from the member or their family or related parties When the personal data is input, the data processing device searches the data stored in the storage device for a file that matches the personal data, and if there is a matching file, the member and its family stored in the file. An insurance management system configured to display the contract content data of the insurance contracted by the insurance on the display device .   Provided with input device, display device, data processing device and storage device, personal data for identifying policyholders who are members and death, hospitalization within life insurance, non-life insurance and non-life insurance contracted by said members The contract contents data of the hospital, other expenses to be compensated, are input in advance by the input device, and the data processing apparatus stores the insurance contract contents data in the file for each personal data in the storage device, Insurance content, death, hospitalization, hospital visit, other expenses, etc. that compensate for death, hospitalization, hospital visit, and other expenses within the above life insurance, non-life insurance, and non-life insurance from the member or their family members or related parties When the personal data and the content of the inquiry are input from the input device in response to an inquiry regarding insurance money, the data processing device is the storage device. A file that matches the personal data is searched from the stored data, and if there is a matching file, the life insurance, non-life insurance, and non-life insurance contracted by the member stored in the file is dead. , Which compensates for hospital expenses, hospital visits, other expenses, and contracts where insurance is paid due to death, hospitalization, hospital visits, etc. of the insured person, and if applicable, An insurance management system configured to display on a display device.   Provided with an input device, a display device, a data processing device and a storage device, personal data for identifying a policyholder as a member, and life insurance, non-life insurance, and non-life insurance contracted by the member and their family Contract contents data for compensation for death, hospitalization, hospital visit, and other expenses are input in advance by the input device, and the insurance contract contents data are stored in the storage device by the data processing device in the file for each personal data. Memorize and compensate for death, hospitalization, hospital visit, other expenses within the life insurance, non-life insurance, and non-life insurance from the member or their family members or related parties When the personal data and the content of the inquiry are input from the input device in response to an inquiry about insurance money such as the cost of the insurance, the data processing device Search for a file that matches the personal data from the data stored in the storage device, and if there is a file that matches, the life insurance, non-life insurance that the member and the family stored in the file have contracted, and In the non-life insurance, compensation for death, hospitalization, hospitalization, and other expenses is detected, but the insurance content and contracts where insurance is paid for death, hospitalization, hospitalization, etc. of the insured are detected, and if there is an applicable contract An insurance management system configured to display the contract content data on the display device.   An input device, a display device, a data processing device, and a storage device are provided, and personal data for identifying a policyholder who is a member and insurance contract content data for which the member has contracted are input in advance using the input device. The insurance contract content data is stored in a file for each personal data in the storage device by the data processing device, and the insurance contract content data stored in the storage device has an expiration date. From the above, the insurance whose expiry date has approached within a predetermined period is searched, and the contract content data of the searched insurance and the member who has contracted the insurance are displayed on the display device. Insurance management system.   The input device includes an input device, a display device, a data processing device, and a storage device, and personal data for identifying a policyholder who is a member and contract content data of insurance contracted by the member and their family The insurance contract content data is stored in the file for each personal data in the storage device by the data processing device, and the insurance contract content data stored in the storage device has an expiration date. It is configured to search for insurance whose expiry date approaches within a predetermined period from insurance, and display the contract content data of the searched insurance and the member who has contracted the insurance on the display device An insurance management system characterized by that.   7. The insurance management system according to claim 1, wherein the personal data and the insurance contract change content data are input to the insurance contract content data already stored in the storage device by the input device. Then, the insurance management system is configured such that the insurance contract content data stored in the storage device can be changed by the data processing device.   The insurance management system according to claim 5 or 6, wherein the expiration date is within a predetermined period from among the insurances having an expiration date with respect to the insurance contract content data stored in the storage device every certain period. An insurance management system configured to search for an approaching insurance.