JP2017117067A - Assessment device and assessment method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To evaluate change in a risk of damage occurrence due to a disaster to optimize an insurance amount and an insurance premium of a nonlife insurance contract.SOLUTION: A storage part 14 stores: a compensation content 143 containing an insurance object, damage scenarios each of which indicates a damage assumed to the insurance object, and a compensation content selected to each damage scenario; an evaluation guide line 144 containing the damage scenarios and evaluation formulae each of which calculates an evaluation value indicating a risk degree of a damage occurrence based on attributes of check items indicating preparation to each damage scenario; and a profile 145 indicating an attribute of the insurance object in the check items. An evaluation part 152 acquires a disaster forecast, identifies the insurance object which may be an object of a damage of the disaster forecast using the profile 145, then calculates the evaluation value to the damage scenario of the insurance object based on the attribute identified by the profile 145, and the evaluation formula of the evaluation guide line 144 for every damage scenario of the insurance object included in the compensation content 143.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an assessment device and an assessment method.

  In general, when assessing insurance premiums for non-life insurance contracts in property and casualty insurance services, we use rules of thumb, that is, statistical data on the occurrence of damage, to determine the risk category according to the level of damage occurrence risk for contract applicants. A premium set in advance for each risk category is applied. Specifically, the insurance company uses an empirical rule in advance to create an assessment guideline that correlates the combination of the attributes of contract applicants that are expected to be related to the occurrence of damage and the risk of damage occurrence. deep. When applying for a non-life insurance contract, the applicant's attributes are examined, and the risk category is determined according to the assessment guidelines. Then, the insurance premium is calculated according to the scale of insurance desired by the contract applicant and the coverage, and a non-life insurance contract is concluded.

  Here, since the assessment guideline review period is assumed to be medium-to-long term, the insurance amount is set with a certain safety factor in anticipation of the range of insurance amount paid by the insurance company in the medium to long term.

  In addition, non-life insurance premiums that compensate for damages caused by automobile accidents, contracts for damage occurrence risk obtained empirically using a large number of past accident data, travel time and travel route of each vehicle, etc. A technique for evaluating a relationship with a user's usage status and using it for assessment is known (see Patent Document 1).

JP-A-2005-327209

  However, the risk category of applicants for contracts has a nature that changes from day to day for large-scale natural disasters, cyber terrorism, or cybercrime. For example, since the ICT system and customer business as cyber insurance coverage itself evolve and expand every day, the risk category changes suddenly and discretely according to the evolution.

  Moreover, the trend of cybercrime attacks is changing at short intervals. Cyber terrorist attackers and attack methods tend to increase. In natural disasters, the occurrence of debris flows and tornadoes is on the rise, and unprecedented damage such as guerrilla heavy rain and backflow flooding is increasing. In particular, the so-called zero-day attack of cybercrime and large-scale natural disasters may cause sudden damage.

  In either case, an assessment based solely on the use of statistical data on the occurrence of damage in the past may increase the amount of insurance paid by the insurer, which may exceed the assumption. I have to increase the setting. As a result, insurance premiums increased, making it difficult to provide non-life insurance services.

  The present invention has been made in view of the above, and an object of the present invention is to evaluate changes in the risk of occurrence of damage due to a disaster at any time and to optimize the insurance amount and insurance premium of a non-life insurance contract.

  In order to solve the above-described problems and achieve the object, an assessment device according to the present invention is an assessment device for assessing insurance premiums for non-life insurance that compensates for the amount of damage to be insured due to a disaster. Based on the compensation contents including the damage scenario indicating the damage assumed for the target and the coverage selected for each damage scenario, and the attribute of the check item indicating the damage scenario and the preparation for each damage scenario, A storage unit for storing an evaluation guideline including an evaluation formula for calculating an evaluation value indicating a degree of risk, a profile indicating an attribute of an insurance target for the check item, a disaster forecast, and using the profile The insurance target that can be the target of damage in the disaster forecast is identified, and for each damage scenario of the insurance target included in the coverage, Based on the attributes specified by the profile and the evaluation formula of the evaluation guidelines, characterized in that it comprises an evaluation unit for calculating the evaluation value for the damage scenarios of the insured.

  According to the present invention, it is possible to evaluate changes in the risk of occurrence of damage due to a disaster at any time, and to optimize the insurance amount and insurance premium of a non-life insurance contract.

FIG. 1 is a schematic diagram showing a schematic configuration of an assessment apparatus according to an embodiment of the present invention. FIG. 2 is a diagram illustrating the configuration of the compensation content of the present embodiment. FIG. 3 is an explanatory diagram for explaining the compensation content of the present embodiment. FIG. 4 is a diagram illustrating the configuration of the evaluation guideline of the present embodiment. FIG. 5 is a diagram illustrating a configuration of a profile according to this embodiment. FIG. 6 is a diagram illustrating the configuration of the profile of this embodiment. FIG. 7 is an explanatory diagram for explaining the compensation contents and profile of the present embodiment. FIG. 8 is an explanatory diagram for explaining processing of the assessment unit of the present embodiment. FIG. 9 is an explanatory diagram for explaining the assessment guidelines of the present embodiment. FIG. 10 is an explanatory diagram for explaining processing of the evaluation unit and the coping unit of the present embodiment. FIG. 11 is an explanatory diagram for explaining the processing of the evaluation unit of the present embodiment. FIG. 12 is an explanatory diagram for describing processing of the evaluation unit of the present embodiment. FIG. 13 is a sequence diagram including the assessment processing procedure of the present embodiment.

  Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In addition, this invention is not limited by this embodiment. Moreover, in description of drawing, the same code | symbol is attached | subjected and shown to the same part.

[Configuration of assessment equipment]
First, a schematic configuration of the assessment device according to the present embodiment will be described with reference to FIG. As shown in FIG. 1, the assessment apparatus 1 according to the present embodiment is realized by a general-purpose computer such as a workstation or a personal computer, a device such as a smartphone or a tablet, or a virtualized computer resource on a cloud system. , An output unit 12, a communication control unit 13, a storage unit 14, and a control unit 15.

  The input unit 11 is realized using an input device such as a keyboard or a mouse, and inputs various instruction information to the control unit 15 in response to an input operation by the operator. The output unit 12 is realized by a display device such as a liquid crystal display, a printing device such as a printer, an information communication device, and the like, and outputs a result of analysis processing described later to the operator.

  The communication control unit 13 is realized by a NIC (Network Interface Card) or the like, and controls communication between an external device such as a server and the control unit 15 via a telecommunication line such as a LAN (Local Area Network) or the Internet. In this embodiment, the communication control unit 13 controls communication with a terminal of a person who wants to make a contract for non-life insurance services and a server of an information provider that transmits disaster forecasts such as weather forecasts and cyber risk information. Here, disasters mean natural disasters such as earthquakes and typhoons, and human cyber disasters such as cyber terrorism.

  The storage unit 14 is realized by a semiconductor memory device such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk, and includes an assessment guideline 141, an insurance rate table 142, a compensation content 143, The evaluation guideline 144 and the profile 145 are stored.

  The assessment guideline 141 represents a relationship between a combination of attributes of a non-life insurance service contractor or contract applicant (hereinafter referred to as a contractor) and the risk of occurrence of damage, and is determined by an empirical rule. The risk category is derived using the combination of the contractor attributes and the assessment guidelines and 141. The insurance premium rate table 142 shows correspondence between risk categories and insurance premiums for non-life insurance services.

  The compensation content 143 includes an insurance object, a damage scenario indicating damage assumed for the insurance object, and a compensation range selected for each damage scenario. FIG. 2 is a diagram illustrating a configuration of the compensation content 143. The compensation contents 143 illustrated in FIG. 2 exemplifies a sales support system and an official website as cyber disaster insurance targets. Correspondence between four damage scenarios and compensation ranges for each damage scenario for both insurance targets. It is included. FIG. 2 illustrates database alteration, customer information leakage, homepage alteration, and virus embedding as damage scenarios assumed in a cyber disaster. Further, FIG. 2 illustrates security consult compensation, profit loss compensation, customer compensation compensation, and litigation correspondence compensation as compensation ranges. A plurality of compensation ranges can be associated with each damage scenario. In the example illustrated in FIG. 2, for example, security consulting compensation and lost profit compensation are associated with database falsification.

  Here, the compensation content 143 represents the insurance object desired by the contractor and the compensation content for the insurance object, and is input to the assessment device 1 at the time of a non-life insurance contract, for example. At the time of contract, an insurance company that provides non-life insurance service presents a service menu to the contractor, and the contractor selects an insurance object, a damage scenario, and a coverage. FIG. 3 is a diagram illustrating a service menu for a cyber disaster. FIG. 3 exemplifies database alteration, customer information leakage, inaccessibility due to DDoS attack, virus embedding, and homepage alteration as damage scenarios. In addition, as shown in FIG. 3, the compensation scope includes security consulting compensation up to 2 million yen, compensation for lost profits up to 10 million yen, customer compensation compensation up to 20 million yen, and litigation coverage compensation up to 20 million yen. Is illustrated. In the service menu, the compensation range that can be selected for each damage scenario is limited. In the example shown in FIG. 3, customer compensation cannot be selected as the compensation range for virus embedding.

  The evaluation guideline 144 includes a damage scenario and an evaluation formula for calculating an evaluation value indicating the degree of risk of occurrence of damage based on an attribute of a check item indicating preparation for each damage scenario. FIG. 4 is a diagram illustrating a configuration of the evaluation guideline 144. FIG. 4 illustrates homepage alteration, system intrusion, or database alteration as a damage scenario, and examples of check items include a defense method, an authentication method, an operation team, and a site construction history. In the example of FIG. 4, for example, an evaluation formula is defined that calculates the evaluation value of the defense method against homepage tampering as 1.0 if there is FW, IDS, and IPS, and as 100 if there is no FW.

  The profile 145 shows the attributes of the insurance target for the check items. Specifically, the profile 145 includes attributes of insurance targets for the check items of the evaluation guideline 144 illustrated in FIG. The profile 145 is input to the assessment device 1 at the time of a non-life insurance contract, for example.

  FIG. 5 is a diagram illustrating the configuration of the profile 145 for the cyber disaster insurance target. As described above, the cyber disaster insurance targets include the official homepage and the sales support system, and the check items include the defense method, the authentication method, the OS used, the operation team, or the site construction history. FIG. 5 exemplifies that the attribute of the authentication method as the check item is a unique method when the insurance target is an official homepage, for example.

  FIG. 6 is a diagram illustrating the configuration of a profile 145 for a natural disaster insurance target. As shown in FIG. 6, examples of the natural disaster insurance target include buildings such as a head office building and a factory, and examples of check items include a construction method, a main structure, an age of construction, and a location. In the natural disaster insurance target profile 145 illustrated in FIG. 6, for example, when the insurance target is a headquarters building, it is indicated that the attribute of the construction method as a check item is reinforced concrete (wall structure). . For natural disaster insurance targets, a service menu including damage scenarios and coverages that can be selected for each damage scenario is set in advance, and evaluation guidelines 144 for check items such as construction methods are set in advance. Has been.

  As described above, the compensation content 143 and the profile 145 are input to the assessment device 1 at the time of a non-life insurance contract, for example. FIG. 7 is an explanatory diagram for explaining the contents of declaration input from the contractor to the assessment device 1 at the time of non-life insurance contract. In the case of a non-life insurance contract, as shown in FIG. 7, the contractor declares the insurance object, the compensation contents 143 and the profile 145 for each insurance object to the insurance company. At that time, the compensation content 143 is selected according to the service menu, and the profile 145 is declared according to the check items of the evaluation guideline 144. In the example shown in FIG. 7, it is indicated that cyber disasters are targeted, and that insurance targets are official homepages and sales support systems. Compensation content 143 includes damage scenario (1) for the official website and its compensation range, compensation scenario (1) for which damage scenario (2) and its compensation range are selected, and damage scenario (1) for the sales support system. ), The compensation range, the damage scenario (2), and the compensation content (2) in which the compensation range is selected. The profile 145 includes a profile (1) in which attributes of the check item (1) for the official homepage and attributes of the check item (2) are declared, and an attribute of the check item (1) for the sales support system. The profile (2) in which the attribute of the check item (2) is declared is input.

  As illustrated in FIG. 1, the control unit 15 executes a processing program stored in a memory by an arithmetic processing device such as a CPU (Central Processing Unit), so that an assessment unit 151, an evaluation unit 152, and a coping unit 153. Function as.

  The assessment unit 151 assesses insurance premiums for non-life insurance that compensates for the amount of damage caused by the insured disaster. Specifically, the assessment unit 151 determines the risk category using the declaration content including the attribute relating to the risk of the contractor and the desired compensation content 143 and the assessment guideline 141, and the insurance premium corresponding to the risk category To decide. Note that the report content includes a profile 145.

  FIG. 8 is an explanatory diagram for explaining the outline of the process of the assessment unit 151. As shown in FIG. 8, the assessment unit 151 first performs an initial assessment when a non-life insurance contract is made. That is, the assessment unit 151 determines the risk category using the contractor's report contents and the assessment guidelines 141. Then, the assessment unit 151 determines the insurance premium using the insurance premium rate table 142 in which the insurance premium is defined for each risk category. In the insurance premium rate table 142 illustrated in FIG. 8, each insurance premium for the three risk categories of high, moderate and low is defined.

  In addition, the assessment unit 151 performs a reassessment at the time of contract renewal, for example, after one year. That is, the assessment unit 151 determines the risk category by applying the assessment guideline 141 again based on the difference between the occurrence of damage until the contract renewal and the declaration content, and the insurance premium rate. The updated insurance premium is determined using Table 142.

  Here, as described above, the assessment guideline 141 is defined based on an empirical rule. In addition, the rule of thumb is periodically reviewed in consideration of the status of reassessment at the time of contract renewal, and the assessment guidelines 141 are revised.

  The insurance premium determination method using the non-life insurance that covers automobiles, that is, the assessment guidelines 141 in the case of automobile insurance will be described with reference to FIG. In the case of auto insurance, policyholder risk attributes include human side attributes such as driving history, accident history, or age, and car side attributes such as vehicle type, car color, or car history. . In this case, the assessment guideline 141 defines an evaluation value for each attribute such as a contractor's driving history, accident history, age, car color, and car history. This evaluation value means a correction value for 20 grades which is a standard risk category of the contractor. The contractor's risk classification, that is, the grade, is determined by calculating a correction value for the 20th grade using the human side attribute as shown in the following equation (1).

  In addition, the insurance premium rate table 142 defines the basic contract price of each vehicle type for each grade. As shown in the following equation (2), the policyholder's insurance premium is calculated as a relative amount with respect to the basic contract price of the determined grade by using a combination of attributes including the attribute of the contractor's automobile side.

  In the example shown in FIG. 9, the evaluation value 1.00 derived from the assessment guideline 141, the evaluation value 1.00 for an operation history 10 years, the evaluation value 1.00 without an accident history, and the evaluation value 1.00 for an age of 30 years are used. From the equation (1), the correction value from the 20th grade is calculated as 0. Thereby, the grade of this contractor is determined to be 20 grade. Further, from the insurance premium rate table 142, the basic contract price of the vehicle type 5 number (500 number) in the 20th grade determined for this contractor is derived as 50,000 yen. The insurance premium of this contractor is based on the basic contract price of 50,000 yen, the evaluation value of the blue car derived from the assessment guideline 141, 1.10, the evaluation value of the car history with the second year of the new car 1.10, the driving history 10 Using the evaluation value 1.00 for the year, the evaluation value 1.00 without an accident history, and the evaluation value 1.00 for the age of 30 years old, it is calculated as 60,500 yen by the above equation (2).

  In the reassessment at the time of contract renewal, the grade and premium will be changed. For example, when there is no accident, the grade is decreased by one, and when the first self-damage accident or property damage accident occurs, the grade is increased by five, and when the second or later self-loss or property damage accident occurs Rules are defined such as 10 grades.

  The evaluation unit 152 acquires the disaster forecast, identifies the insurance target that can be damaged by the disaster forecast using the profile 145, and specifies each damage scenario of the insurance target included in the compensation content 143 by the profile 145 Based on the attribute and the evaluation formula of the evaluation guideline 144, an evaluation value for the damage scenario of the insurance target is calculated.

  FIG. 10 is a diagram for explaining the outline of the processing of the evaluation unit 152 and the processing of the coping unit 153 described later. As illustrated in FIG. 10, the assessment device 1 receives a natural disaster forecast such as a weather forecast or a cyber disaster forecast such as cyber risk information from an information provider at any time during the initial assessment of the assessment unit 151 or contract renewal. The disaster forecast including is acquired. For example, the assessment device 1 acquires a disaster forecast such as “found serious vulnerability found in OS of Windows (registered trademark) 7 at high system intrusion risk” from the server of the information provider through the communication control unit 13 at any time. ing.

  When the disaster prediction is acquired, the evaluation unit 152 evaluates the risk of damage caused by the predicted disaster (hereinafter also referred to as additional risk). First, the evaluation unit 152 extracts a non-life insurance contract that includes an insurance target that can be a target of damage in the compensation content 143. That is, with reference to the insurance target profile 145 of the non-life insurance contract, the insurance target that is the target of the disaster forecast included in the compensation content 143 is specified. For example, when the disaster forecast related to the Windows 7 OS described above is obtained, the profile 145 related to each non-life insurance contract is referred to, and the official homepage whose operating system is Windows Server 7 is subject to damage as an insurance target related to Windows 7. I know you get. That is, the official homepage and the damage scenario assumed for the official homepage can be the targets of the disaster forecast.

  Next, the evaluation unit 152 uses the identified insurance object profile 145 and the evaluation guidelines 144 for the insurance object to calculate an evaluation value for the damage scenario of the insurance object. For example, with reference to the profile 145 illustrated in FIG. 5, a case will be described in which an evaluation value for homepage alteration among the damage scenarios of the official homepage is calculated according to the evaluation guideline 144 illustrated in FIG. 4. In this case, referring to the profile 145, there are FW, IDS, and IPA as the defense method, the authentication method is a unique method, and the operation team can respond immediately to the batch. It is calculated as 1 ÷ 2 ÷ 10. Furthermore, since the profile 145 includes WAF as a defense method, the evaluation value is calculated by (1 ÷ 2 ÷ 10) / 2 by the evaluation rule 2 of the evaluation guideline. Furthermore, since there is a security audit as a defense method in the profile 145, the evaluation value is calculated by ((1 ÷ 2 ÷ 10) ÷ 2) / 2 by the evaluation rule 3 of the evaluation guideline. Thereby, the evaluation value about the homepage alteration of the official homepage is calculated as 0.0125. The evaluation value of this embodiment indicates the probability of occurrence of a disaster, and the larger the value, the higher the probability of occurrence of a disaster.

  The evaluation unit 152 similarly calculates an evaluation value for all damage scenarios of all the insurance targets of one or more of this non-life insurance contract, and sets it as an additional risk evaluation value.

  FIG. 11 is a diagram for explaining the processing of the evaluation unit 152. FIG. 11 exemplifies a case where an assessment result of the risk classification “Low” is given at the first assessment by the assessment unit 151. As shown in FIG. 11, the forecast calculated by the evaluation unit 152 when the assessment device 1 acquires the forecast 1 regarding the Windows 7 OS before the next assessment by the assessment unit 151 at the time of contract renewal or the like. The risk increases by an evaluation value of 0.0125 for 1. Note that the evaluation value of the additional risk due to the cyber disaster such as the forecast 1 does not change unless a countermeasure against the predicted disaster is taken.

  In addition, as shown in Fig. 11, natural disaster forecast 2 is obtained after forecast 1 is acquired and before contract renewal, saying that "a huge typhoon is expected to run vertically in Japan. In such a case, the risk increases by the amount of the evaluation value for the forecast 2 calculated by the evaluation unit 152. Note that the evaluation value of the additional risk due to the natural disaster such as the forecast 2 decreases linearly with the passage of time.

  FIG. 12 is a diagram for explaining the relationship between the process of the assessment unit 151 and the process of the evaluation unit 152. In the example shown in FIG. 12, at the first contract renewal following the example shown in FIG. 11, the assessment result by the assessment unit 151 remains the risk category “Low”. On the other hand, if the cyber disaster forecast 3 is acquired between the first contract renewal and the second contract renewal, “new type of cyber terrorism concern, current situation impossible to defend” is acquired, the additional risk increases rapidly. Here, the additional risk means a risk that is latent until damage occurs and becomes apparent, as shown in FIG. 12 surrounded by a thick broken line.

  Fig. 12 shows the case where damage caused by the new type of cyber terrorism forecasted in forecast 3 actually occurred, and after that, as shown in forecast 4, a countermeasure against new type cyber terrorism was discovered and the additional risk was reduced to zero. The change in risk is illustrated. In addition, in FIG. 12, a natural disaster forecast 5 is obtained between the second contract renewal and the third contract renewal that “a huge typhoon is expected to run vertically in Japan. It has also been shown that additional risk increases over time and then decreases over time. The state of risk change in this case is the same as when the forecast 2 is acquired.

  The risk classification determined by the assessment unit 151 is changed when the risk is actualized, that is, when damage has actually occurred. In the example shown in FIG. 12, at the time of the second contract renewal, the assessment unit 151 receives a risk of damage from a new type of cyber terrorism, and the risk category assessment result is higher from “Low” to “SoSo”. Has been changed. This increases the insurance premium. On the other hand, according to the evaluation value of the additional risk calculated by the evaluation unit 152, it is not limited at the time of contract renewal, and it is possible to detect the change of the latent risk from time to time based on the disaster forecast acquired at any time.

  When the calculated evaluation value exceeds a predetermined threshold, the coping unit 153 notifies a change in risk of occurrence of damage. Specifically, as illustrated in FIG. 10, when the evaluation value of the additional risk due to the predicted disaster exceeds a predetermined threshold value, the coping unit 153, for example, purchases reinsurance at an insurance company. And start business negotiations with the reinsurance company through the reinsurance procurement network. Alternatively, it is possible to start considering self-insurance. As a result, the safety factor of the insurance company is improved, and the insurance amount and the insurance premium can be optimized.

  Alternatively, as illustrated in FIG. 10, the handling unit 153, when the calculated evaluation value exceeds a preset alarm threshold, the risk of occurrence of damage due to a predicted disaster via the emergency call network The non-life insurance policyholder may be notified of the sudden increase. As a result, there is a possibility that the notified contractor will promptly take measures to avoid the damage and prevent the damage from occurring. Therefore, the amount of insurance paid by the insurance company can be reduced and the insurance premium can be reduced.

  The emergency call network may be realized by a mailing list or telephone contact in addition to the Internet. Further, the reinsurance procurement network may be a secure communication means for negotiations, or may be realized by groupware or an EC site accompanied by a secure file sharing system.

[Assessment process]
Next, an assessment process procedure by the assessment device 1 will be described with reference to the sequence diagram of FIG. The sequence diagram of FIG. 13 is a sequence diagram showing a processing procedure including an assessment process of the present embodiment. First, a risk information provision contract is concluded between an insurance company and an information provider that provides disaster forecasts such as weather forecasts and cyber risk information (step S1). Then, the insurance company prepares a non-life insurance service menu, evaluation guidelines, etc. (step S2), and presents the non-life insurance service contents such as the service menu and insurance amount to the contractor (step S3). The contractor applies for a non-life insurance contract together with the attribute related to the risk of the contractor and the content of the report including the compensation content designating the insurance target, damage scenario, and coverage (step S4).

  The assessment unit 151 of the assessment device 1 refers to the information provided by the information provider (step S5), performs the first assessment (step S6), and presents the determined insurance premium to the contractor ( Step S7). Thereafter, a non-life insurance contract is concluded between the contractor and the insurance company (step S8).

  When an information provider finds a weather forecast or vulnerability information, the information provider transmits a disaster forecast to the assessment device 1 as needed (steps S9 to S10). When the assessment device 1 acquires the disaster forecast, the evaluation unit 152 calculates an evaluation value of the additional risk (Step S11), and the coping unit 153 checks the risk fluctuation (Step S12). For example, it is checked whether or not the evaluation value of the additional risk exceeds a predetermined threshold value. For example, when the additional risk evaluation value exceeds a predetermined alarm threshold, the coping unit 153 transmits an evaluation result to the contractor or issues an alarm (step S13). The coping unit 153 may perform coping such as reinsurance purchase using the evaluation result. This completes a series of assessment processes.

  As described above, in the assessment device 1 according to the present embodiment, the storage unit 14 includes an insurance object, a damage scenario indicating damage assumed for the insurance object, and a compensation range selected for each damage scenario. An evaluation guideline 144 including a compensation content 143 including an evaluation formula for calculating an evaluation value indicating the degree of damage occurrence risk based on an attribute of the damage scenario and a check item indicating preparation for each damage scenario, and a check item A profile 145 indicating the attributes of the insurance target is stored.

  In addition, the evaluation unit 152 acquires a disaster forecast, uses the profile 145 to identify an insurance target that can be a damage target of the disaster forecast, and sets the profile 145 for each damage scenario of the insurance target included in the compensation content 143. Based on the attribute specified by the above and the evaluation formula of the evaluation guideline 144, the evaluation value for the damage scenario of the insurance target is calculated.

  This makes it possible to evaluate changes in the risk of damage from disasters as needed. Depending on the evaluation value, the insurance company can quickly take measures such as reinsurance or considering self-insurance. In addition, the contractor who is notified of the evaluation value can take measures to avoid damage. Accordingly, it is not necessary for the insurance company to set the insurance amount of the non-life insurance contract to a high value in anticipation of an excessive safety factor, and the insurance amount and the insurance premium can be optimized.

  The evaluation unit 152 can also calculate an additional risk evaluation value for all non-life insurance contracts of the non-life insurance service. In that case, the evaluation value calculated at any time can be used as a reference for evaluating the stability of the non-life insurance service or examining the sales target. For example, it is possible to formulate a business strategy for leveling different risks for each contract, or to join reinsurance for cases where leveling is not possible. It is also possible to operate the assessment device 1 as a platform for sharing information on the evaluated additional risk among related places.

  As mentioned above, although embodiment which applied the invention made | formed by this inventor was described, this invention is not limited with the description and drawing which make a part of indication of this invention by this embodiment. That is, other embodiments, examples, operational techniques, and the like made by those skilled in the art based on this embodiment are all included in the scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Assessment apparatus 11 Input part 12 Output part 13 Communication control part 14 Memory | storage part 141 Assessment guideline 142 Insurance premium rate table 143 Compensation content 144 Evaluation guideline
145 profile 15 control unit 151 assessment unit 152 evaluation unit

Claims (4)

In an assessment device that assesses insurance premiums for non-life insurance that compensates for damages insured by disasters,
Compensation contents including the insured object, a damage scenario indicating damage assumed for the insured object, and a compensation range selected for each damage scenario, and attributes of check items indicating the damage scenario and provision for each damage scenario A storage unit that stores an evaluation guideline that includes an evaluation formula that calculates an evaluation value that indicates a degree of risk of occurrence of damage based on the profile, and a profile that indicates an attribute of an insurance target for the check item,
Obtain a disaster forecast, identify an insurance target that can be a target of damage of the disaster forecast using the profile, and for each damage scenario of the insurance target included in the compensation content, the attribute specified by the profile and the attribute An evaluation unit that calculates the evaluation value for the damage scenario of the insurance target based on the evaluation formula of the evaluation guideline,
An assessment device characterized by comprising:   The assessment apparatus according to claim 1, further comprising a coping unit that notifies a change in risk of occurrence of damage when the calculated evaluation value exceeds a predetermined threshold value.   The assessment device according to claim 1, wherein the disaster forecast includes a natural disaster forecast and a cyber disaster forecast. An assessment method executed by an assessment device for assessing insurance premiums for non-life insurance that compensates for the amount of damage insured by a disaster,
The assessment device includes a compensation content including the insured object, a damage scenario indicating damage assumed for the insured object, and a compensation range selected for each damage scenario, and provision for the damage scenario and each damage scenario. A storage unit for storing an evaluation guideline including an evaluation formula for calculating an evaluation value indicating a degree of risk of occurrence of damage based on an attribute of a check item to be indicated, and a profile indicating an attribute of an insured object for the check item Prepared,
Obtain a disaster forecast, identify an insurance target that can be a target of damage of the disaster forecast using the profile, and for each damage scenario of the insurance target included in the compensation content, the attribute specified by the profile and the attribute An assessment method comprising an evaluation step of calculating the evaluation value for the damage scenario of the insurance target based on an evaluation formula of an evaluation guideline.

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