JP3135086U - Insurance contract documents - Google Patents

Abstract

The present invention provides insurance contract documents that are convenient for storage, can provide a confirmation document of application contents and insured contents at low cost and resource saving.
A completed application form is read by a scanner to obtain application form image data, and characters are recognized to obtain application contents. After issuing an underwriting decision to determine whether to make an insurance contract based on the application details, an application form image is printed when a subscriber card is issued.
[Selection] Figure 1

Description

  The present invention relates to an insurance contract document that can be issued at low cost and resource saving.

  In the insurance product sales business such as life insurance and non-life insurance, the seller of the insurance product distributes the insurance application form, and the applicant who wants to apply for insurance fills in the application form to the seller By returning it, sales methods for entering into insurance contracts are widely used. This sales method has the advantage that applicants can apply for insurance contracts freely without being restricted in time, and sellers can recruit applicants widely at low cost. .

  Conventionally, in the case of the above sales method, the contract procedure is completed by the seller sending an insured content presentation form (subscriber card, insurance policy, etc.) showing the insured content after the insurance contract is concluded to the applicant. It was. For this reason, if the applicant wants to save a copy of the application form for confirmation of the application contents, the applicant can make a copy before returning the application form, or the insurance product. Sellers distributed copy-type application forms such as carbon paper to keep a copy of the application form.

However, when the applicant makes a copy as described above, the applicant is forced to bear a burden, and the applicant does not always take a copy. In addition, the method of distributing a copy-type application form is not preferable from the viewpoint of resource saving because it does not necessarily require all of the distribution destinations to apply, thereby incurring high costs. In either case, the insured content presentation form and the application form receipt are separate, and the insured content presentation form will be sent to the applicant over time. The possibility of losing was high.
The present invention has been made in view of the above-mentioned problems, is convenient for storage, and provides a confirmation document for application contents and attached contents at low cost and resource saving.

In order to solve the above-mentioned problem, the insurance contract document according to claim 1 of the present invention includes an insurance content presentation section for presenting the insurance content of the insurance contract, and an image of the application form in which the application content of the insurance contract is entered. An application form image information presenting section for presenting application form image information for allowing the applicant to confirm the application form image information.
In this way, by printing the application form image information on the insurance contract document, the applicant can simultaneously conclude the contents of the insurance contract (insured contents) and the application contents entered in the application form at the same time. Can be confirmed. In addition, since the application form image information is printed using the empty space of insurance contract documents such as subscriber cards that have been issued in the past, it is less expensive and resource-saving than when copying application forms are distributed. In addition, since it is not bulky, it is convenient for storage and the delivery cost to the applicant can be suppressed.

  Here, the insurance contract document may be one sheet or a plurality of sheets. Also, the insured content means the content of the insurance contract. Insurance contracts can be applied to both life insurance and non-life insurance (accident insurance, fire insurance, etc.). In addition, it is not always necessary to present the insured content in the insured content presentation unit at the time of printing the application form image information. You may let them. That is, the attached content presentation unit means a document area reserved for presenting the attached content. The application form image information includes, for example, an application form image itself, a storage location (such as a URL) for storing image data, and a two-dimensional code representing a storage location for storing the image data.

The insurance contract document according to claim 2 of the present invention is the insurance contract presentation section that presents the insurance content of the insurance contract according to claim 1, and the image of the application form in which the application details of the insurance contract are entered. And an application form image information presenting section for presenting application form image information to be confirmed on the same sheet.
In this way, by printing the application form image information on the same sheet as the insured content presentation unit, the insurance contract document is not bulky, the delivery cost can be suppressed, and it is convenient for storage.

The insurance contract document according to claim 3 of the present invention is the insurance contract document presenting the insurance content of the insurance contract in claim 2 and the image of the application form in which the application details of the insurance contract are entered. And an application form image information presentation unit for presenting application form image information to be confirmed on the same sheet, and the back side of the attached content presentation unit is formed as the application form image information presentation unit It is characterized by that.
In this way, by effectively utilizing the empty space on the back of the attached content presentation unit, it is possible to save resources and reduce costs for delivery and actual document costs.

The insurance contract document according to claim 4 of the present invention is the insurance contract document according to any one of claims 1 to 3, wherein the insurance contract is a group insurance contract.
Here, the group insurance is an insurance that group members can join in one contract and can be applied regardless of the type such as group life insurance, group non-life insurance (group accident insurance, etc.). In group insurance, a sales method by distributing an application form is often adopted. Therefore, application of the present invention has a great effect on cost reduction and resource saving.

The insurance contract document according to claim 5 of the present invention is the insurance contract document according to any one of claims 1 to 4, wherein the insured content presentation unit is a part for presenting a subscriber card or insurance policy of the insurance contract. Features.
The insurance contract document according to claim 6 of the present invention confirms with the applicant the image of the insurance content subscriber who presents the insurance contract subscriber card or insurance policy and the application form in which the details of the insurance contract application are entered. An application form image information presenting section for presenting application form image information for making the application form image information presenting section on the same sheet and the back side of the attached content presentation section being the application form image information presenting section. Features.

  According to the present invention, by printing the application form image information on the insurance contract document, the applicant can simultaneously confirm the conclusion of the insurance contract and the application contents entered in the application form at the time of application. Can do. In addition, since the application form image information is printed by using a vacant space of insurance contract documents such as a subscriber card that has been issued conventionally, it is low-cost, resource-saving, and convenient for storage.

Next, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 shows the configuration of an insurance contract document issuing system for issuing a subscriber card according to the present invention. As shown in FIG. 1A, the insurance contract document issuing system of this embodiment includes a host terminal 1, a scanner 2 connected to the host terminal 1, and a printer 3. Among these, the host terminal 1 is configured as a general computer as shown in FIG. Specifically, the CPU 30 that performs arithmetic processing based on the control program, the ROM 32 that stores the control program of the CPU 30, the RAM 34 for storing data necessary for the calculation process of the CPU 30, the external device such as the scanner 2 Are provided with an I / F 38 that mediates data input / output.

Next, the operation of the insurance contract document issuing system having the above configuration will be described with reference to FIG. FIG. 2 shows a flowchart of processing by the host terminal 1. Insurance product sellers distribute non-copying application forms to applicants in advance.
First, in step S101, an application form in which application details are entered by an insurance contract applicant is read by the scanner 2, and image data (hereinafter referred to as “application form image data”) on the application form is read by the host terminal 1. And store it as an application form image data file. The data format of the application form image data acquired here is not particularly limited in the present invention. For example, the JPEG format (Joint Photographic Experts Group), the TIFF format (Tagged Image File Format), the GIF format (Graphics Interchange Format), and the like. A format (Microsoft Windows (registered trademark) Bitmap Image) or the like can be used.

  Next, in step S102, the application content entered in the application form is acquired, and application form data corresponding to the application form image data acquired in step S101 is generated. In this embodiment, the application form data is used to identify application information (application name, date of birth, address, occupation, etc.) and application contract information (application course, etc.) and other application details. Are generated as information including association information for associating the application reception number assigned to the application number and the application form data with the application form image data. Among these, the information on the application content may be generated by performing character recognition processing on the application form image data acquired in step S101, or may be generated by acquiring the input of the application content by the operator. It may be generated using both methods. Further, as the association information, in this embodiment, information on the storage location of the application form image data acquired in step S101 is used. Of course, as long as the application form data can be associated with the application form image data, what is used for the association information is not particularly limited in the application of the present invention. For example, the file name of the application form image data is used as the reception number. The association may be performed by

  Next, in step S103, deficiency determination is performed about the application form data produced | generated by step S102. As the content of the deficiency determination, for example, it is determined whether there is no omission of necessary items such as date of birth or whether the data is entered in a predetermined data format. When it is determined that there is a deficiency, a predetermined complement process is performed such as requesting input of appropriate data from the operator. Subsequently, in step S104, an underwriting determination process is performed as to whether to accept the application. As the contents of the underwriting determination, for example, it is determined whether the applicant's date of birth satisfies a predetermined underwriting condition according to the application course. If it is determined that the predetermined underwriting conditions are satisfied, the process proceeds to step S105.

  Next, in step S105, a subscriber card printing process is executed. Specifically, first, in step S105a, insured content presentation data is generated based on the application form data. In the present embodiment, the insured content presentation data is data including information that is originally presented on the subscriber card, that is, information on the contents of the contract concluded for the application such as the contractor name and the contract course. In this embodiment, template data such as a contract course is stored in advance, and information obtained from application form data such as the contractor name (corresponding to the applicant's name) is added to this data. Generate stored content presentation data. Subsequently, in step S105b, based on the association information included in the application form data, the application form image data acquired in step S101 is selected and read. Thereafter, in step S105c, the attached content presentation data generated in step S105a and the print command for the application form image data read in step S105b are output to the printer 3, and a subscriber card is issued.

With the above configuration, a subscriber card including an image of the application form is issued.
FIG. 3 shows a print example of a subscriber card in the present embodiment.
In the example of FIG. 3A, the attached content presentation data is printed on the front side, and the corresponding application form image data is printed on the back side (in the “application form image information presentation unit” in the claims). Equivalent to.). Printing on both sides may be sequentially executed as a print job for each side, or may be submitted as a print job for imposing on both sides. In the example of FIG. 3B, the attached content presentation data and the application form image data are printed side by side on the same side of the same sheet. In the figure, reference numeral 41 denotes an attached content presentation unit, and reference numeral 42 denotes an application form image information presentation unit.

  Thus, by printing the image of the application form on the subscriber card, the applicant can acquire the contract contents and the proof of the application contents at the same time, and can confirm whether there is a difference between the application contents and the contract contents. For this reason, for example, compared with the case where a copy-type application form is stored, there is no need for storage and space, there is no risk of loss, and the convenience is excellent. In addition, for insurance companies that accept applications, a copy of the application contents can be provided at a low cost because it is printed on a conventionally issued subscriber card without distributing a copy-type application form.

Although not shown, the example of printing the subscriber card is not limited to the example shown in FIG. 3. For example, the subscriber card may be printed in multiple sheets, and a page for displaying an image of the application form, There may be separate pages for presenting the content. However, as shown in FIG. 3, if the application sheet image data is printed on the reverse side of the single-sided subscriber card, the cost is low and the resource is saved.
Furthermore, the application form image data itself is not limited to printing. For example, the application form image data is stored in a storage device that can be connected via a network, and a URL (Uniform Resource Locator) for connecting to the storage device is stored. ) May be printed on the subscriber card as application form image information. The URL may be represented by a two-dimensional code such as a quick response code (QR code) as shown in FIG. Further, a sticker on which such application form image information is printed may be affixed to the subscriber card.

It is a figure which shows the structure of an insurance contract document issuing system. It is a flowchart which shows operation | movement of an insurance contract document issuing system. It is an example of printing of a subscriber card.

Explanation of symbols

1 host terminal, 2 scanner, 3 printer, 41 attached content presentation section, 42 application form image information presentation section

Claims (6)

An insured content presentation section for presenting the insured content of the insurance contract;
An application form image information presenting section for presenting application form image information for allowing the applicant to confirm an image of the application form filled with the application details of the insurance contract;
An insurance contract document characterized by comprising: An insured content presentation section for presenting the insured content of the insurance contract;
An application form image information presenting section for presenting application form image information for allowing the applicant to confirm an image of the application form filled with the application details of the insurance contract;
An insurance contract document characterized in that it is formed on the same sheet. An insured content presentation section for presenting the insured content of the insurance contract;
An application form image information presenting section for presenting application form image information for allowing the applicant to confirm an image of the application form filled with the application details of the insurance contract;
The insurance contract document is formed on the same sheet so that the back side of the attached content presentation unit becomes the application form image information presentation unit.   The insurance contract document according to any one of claims 1 to 3, wherein the insurance contract is a group insurance contract.   The insurance contract document according to any one of claims 1 to 4, wherein the insurance content presentation unit is a part for presenting a subscriber card or insurance policy of the insurance contract. An insured content presentation section for presenting a subscriber card or insurance policy of an insurance contract;
An application form image information presenting section for presenting application form image information for allowing the applicant to confirm an image of the application form filled with the application details of the insurance contract;
The insurance contract document is formed on the same sheet so that the back side of the attached content presentation unit becomes the application form image information presentation unit.

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