JP4067266B2 - Risk analysis system and method thereof, insurance design system and method thereof, insurance policy creation method, and risk analysis program, insurance design program or insurance policy creation program operating on a computer - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to insurance design technology. In particular, the present invention relates to an insurance design system that sets compensation contents according to risks extracted from customers.
[0002]
[Prior art]
There are many types of insurance, such as fire insurance, automobile insurance, accident insurance, liability insurance, and many of these insurances are often sold to a single customer. In addition, the contents of insurance are generally set according to customers for each type of insurance when the insurance is sold.
[0003]
Conventionally, the compensation content is set in the following steps. That is, (Step 1) A customer's risk is extracted based on information (for example, company size, financial information, existing insurance information, etc.) possessed by the customer. (Step 2) Select an existing insurance product to compensate for the extracted risk. (Step 3) Usually, since a plurality of insurance products are selected in Step 2, an exemption clause and the like are set so that the collateral content does not overlap for the selected insurance products. (Step 4) The validity of the set compensation content is checked.
[0004]
Here, the validity of the compensation details in Step 4 is necessary because there are many combinations that realize the same collateral content when combining multiple insurance products. This is because it is necessary to review whether the compensation contents are advantageous and advantageous to the customer.
[0005]
After the insurance product is selected in this way, an insurance contract is concluded, and an insurance policy and an insurance policy are prepared for each insurance product and delivered to the customer.
[0006]
Conventionally, the processes such as customer risk extraction, insurance product selection, disclaimer setting, validity check in each of the above steps are often performed based on the sales staff's own experience.
[0007]
On the other hand, for example, Japanese Patent Application Laid-Open No. 9-114801 discloses an apparatus that implements steps 1 and 2 described above. This gazette describes a device that identifies risks based on company information, determines the frequency and impact of such risks, and evaluates the compensation status of risks covered by existing insurance information based on these risks. Has been.
[0008]
[Problems to be solved by the invention]
When a sales employee performs the processing of each step described above, there is a problem that a heavy burden is imposed on the sales employee because advanced judgment and knowledge are required in each processing.
[0009]
For example, in order to extract a customer risk, a sales employee must analyze the information held by the customer, assume a risk, and determine how much the customer is likely to generate such a risk. In addition, in order to select insurance products, set exemption clauses, check validity, etc., always grasp the contents of all insurance products (for example, risk to be secured, exemption rules, premium calculation rules, etc.) It is required to keep.
[0010]
Furthermore, since the level of judgment and knowledge in each process greatly depends on the sales staff's own experience, etc., the quality of the designed insurance products varies depending on the sales staff, that is, the quality is not uniform. The problem of becoming will also arise.
[0011]
Here, the technique described in Japanese Patent Application Laid-Open No. 9-114801 attempts to reduce the burden on sales staff and ensure the quality and validity of insurance products by implementing steps 1-2. .
[0012]
However, the above publication does not disclose how to extract customer risks. In the above publication, in paragraph 32, “referring to the risk identification knowledge base 13 including rules for judging an expected risk using the characteristics of the company as a judgment condition, and inferring the potential risk in the company by a pattern matching technique. It is only described as “,” and it is not clear what rule is used specifically and what pattern matching technique is used to identify the risk.
[0013]
Moreover, since the insurance product used in the technique described in the publication is not different from the conventional insurance product, the problems related to the steps 3 to 4 are still not solved. That is, the sales employee needs to make adjustments so that the collateral contents do not overlap for a plurality of insurance products. Moreover, it is necessary to check whether the set compensation content is appropriate or not in comparison with a combination of other insurance products that realize the same collateral content. As a result, the burden on sales staff is still large, and the problem remains that uniformity varies depending on individual experience.
[0014]
On the other hand, in the past, insurance policies were often handed to customers as standard documents in the form of insurance policy collections. Usually, such insurance policy collections include a large number of policy items that are not related to the details of the contracts covered by the contract. For this reason, in order for the customer to confirm and grasp the details of his / her compensation, it was necessary to find out which part is related to his / her insurance product, which was a heavy burden.
[0015]
Therefore, an object of the present invention is to provide a specific risk analysis technique for automatically extracting a risk possessed by a customer.
[0016]
It is another object of the present invention to provide an insurance design technique that eliminates the need for adjustment of overlapping collateral contents when a plurality of insurance products are combined, and further eliminates the need for checking the validity of the combination method.
[0017]
It is another object of the present invention to provide an insurance design technique capable of performing an insurance design in which the quality of compensation is made uniform without depending on the experience and knowledge of the person who performs the insurance design.
[0018]
Furthermore, an object of the present invention is to provide an insurance design technique capable of creating a customized insurance policy for each customer in accordance with the designed compensation contents.
[0019]
[Means for Solving the Problems]
The insurance design method of the present invention is directed to an insurance design system that includes a compensation content setting means and a customer-friendly contract creation means that are realized by executing a program on a computer. The process of determining and outputting insurance setting information indicating the contents of compensation by combining the subdivided collateral categories identified at least including the combination of the form and the cause of the accident, and the customer-oriented contract creation means correspond to the subdivided collateral categories A step of extracting a policy statement corresponding to the combined subdivision collateral classification from a policy statement stored in the storage means in a state that has been made, a step of creating an insurance policy based on the extracted policy statement, It is characterized by providing.
[0020]
The insurance design method of the present invention includes:Targeting an insurance design system equipped with risk extraction means, compensation content setting means, and customer-friendly contract creation means realized by executing a program on a computer, the risk extraction means Selecting accident example information that may occur to the customer based on information about the customer from accident example information stored in the storage means in a state including the subdivided collateral classification specified including at least the combination; and A step of extracting a subdivision collateral classification from the selected accident example information, a step of determining and outputting the insurance setting information indicating the content of compensation by the compensation content setting means by combining the extracted subdivision collateral classification; The customer-oriented contract creation means is a combination of the clause text stored in the storage means in a state corresponding to the segmented collateral classification. A step of extracting clause wording corresponding to subdivided collateral classification were characterized by and a step of creating a policy statement based on the provisions wording the extracted.
[0021]
The insurance policy making method of the present invention is:Targeting an insurance policy creation system that creates an insurance policy by referring to the policy text storage means for storing the policy text corresponding to each collateral category, the input means receives information on the insurance products that the customer contracts and information about the customer The policy creation means realized by executing a program on a computer provided in the insurance policy creation system is a policy contract stored in the policy text storage means for the insurance product contracted by the customer. A step of extracting a policy statement corresponding to the collateral classification included, a step of correcting the extracted policy statement based on information about the customer, and an output means creating and outputting an insurance policy based on the revised policy statement And a process.
[0023]
Insurance design method and insurance policy making method of the present inventionCan be implemented by a computer, and a computer program therefor can be installed or loaded into the computer through various media such as a CD-ROM, a magnetic disk, a semiconductor memory, and a communication network.
[0024]
The insurance design system of the present invention is a compensation content setting means that determines and outputs insurance setting information indicating the compensation content by combining the subdivision collateral categories specified including at least the combination of the accident category, the accident form, and the accident cause. And the clause text storage means for storing the clause text corresponding to each segmented collateral category, and the clause text corresponding to the combined segmented collateral category by referring to the clause text storage means, It is characterized by comprising a customer-oriented contract creation means to create.
[0025]
Furthermore, the insurance premium rate storage means for storing the insurance premium rate corresponding to each subdivided collateral classification is provided, and the compensation content setting means refers to the insurance premium rate storage means, and the insurance premium rate corresponding to the subdivided collateral classification It is preferable to calculate insurance premiums based on the read insurance premium rate.
[0026]
Furthermore, it is preferable that a compensation content correcting means for changing the set compensation content according to an external input is provided.
[0027]
The input from the outside preferably includes at least either instruction information from the customer or past accident record information of the customer.
[0028]
It is preferable that the compensation content setting means sets the compensation content by giving and combining a cover coefficient for each subdivision security category.
[0029]
It is preferable that the compensation content setting means obtains the price of the collateral object for each subdivided collateral category and calculates the insurance payment limit based on the price of the collateral object and the cover coefficient.
[0030]
Further, accident example information storage means for storing information of accident examples including subdivided collateral categories, and accident example information corresponding to accident examples that may occur to customers based on information about customers from the accident example information storage means Customer risk extracting means for selecting and outputting risk information of a customer including at least a segmented security category based on the selected accident example information group, and the compensation content setting means, Preferably, the customer risk information output by the customer risk extraction means is received, and the operation is performed based on the segmented security classification included in the risk information of the customer.
[0031]
Further, accident example information storage means for storing information of accident examples including subdivided collateral categories, and accident example information corresponding to accident examples that may occur to customers based on information about customers from the accident example information storage means Customer risk extracting means for selecting and outputting risk information of a customer including at least a segmented security category based on the selected accident example information group, and the compensation content setting means, The risk information of the customer output by the customer risk extraction means is received, operates based on the segmented security classification included in the risk information of the customer, and calculates the cover coefficient based on the risk information of the customer It is preferable.
[0032]
The accident example information stored in the accident example information storage means preferably includes at least one of business type information, regional information, and customer scale information.
[0033]
Furthermore, the insurance product storage means which memorize | stores the subdivision security classification which the insurance product has collateralized, The said customer risk extraction means refers to the said insurance product storage means, The said subdivision security classification It is preferable to output whether the risk information of the customer includes the determination result.
[0034]
The accident example information storage means stores at least one of accident occurrence frequency information, accident unit price information, and predicted damage amount information as statistical information, and the customer risk extraction means is based on the statistical information, It is preferable to calculate a risk evaluation value for each of the extracted segmented collateral categories and output the risk information included in the customer including the risk evaluation value.
[0035]
The accident example information storage means stores a standard risk evaluation value for each subdivision collateral category for items combining one or more of industry information, regional information, and customer scale information, and extracts the customer risk Preferably, the means outputs the risk information of the customer including a comparison result between the risk evaluation value and the standard risk evaluation value.
[0036]
The system is preferably composed of computers distributed on a network.
[0038]
In the specification of the present application, “customer” is used to indicate a corporation, an individual, or the like that is subject to risk analysis or insurance contract, and does not necessarily require a business relationship.
[0039]
[Action]
According to the present invention having the above-described configuration, in order to automatically extract a customer's risk based on information about the customer, for example, an accident example that may occur in the customer, searched from the location, industry, sales, etc. Even if risk analysis is performed, uniform extraction results that do not depend on experience can be obtained.
[0040]
Further, since the collateral classification is subdivided so that the collateral contents do not overlap each other, and the compensation contents are set by combining the subdivided collateral classifications, it is not necessary to adjust the overlapping collateral contents. In addition, since only one combination of subdivided collateral categories that realize the same collateral content is determined, it is not necessary to check the validity of the combination method.
[0041]
In addition, the contract terms corresponding to each collateral category are stored in a database, and insurance clauses are created using only the terms and conditions corresponding to the collateral category included in the coverage, so it is customized for each customer according to the designed compensation details. You can create a written insurance policy.
[0042]
DETAILED DESCRIPTION OF THE INVENTION
(First embodiment)
Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the risk analysis system according to the first embodiment of the present invention. As shown in FIG. 1, the risk analysis system 1 includes an accident example information storage unit 10 and a customer risk extraction unit 11.
[0043]
Here, the risk analysis system according to the present invention only needs to include the above-described means, and may be either a system dedicated to risk analysis or a general-purpose information processing apparatus. For example, in an information processing device having a general configuration including a processing device, an input unit, a storage unit, and an output unit, the risk analysis system of the present invention is realized by starting software that defines the operation of each unit. be able to. The dedicated system or information processing apparatus may be configured by a single computer or may be configured by a plurality of computers distributed on a network.
[0044]
The accident example information storage means 10 stores a plurality of pieces of information on past accident examples that have been compensated. Information on such accidents includes attributes such as the type of the accident subject's industry, the area information of the subject of the accident, the customer size of the accident subject, the amount of actual damage, the amount of insurance claims paid, the accident classification, the accident type, the cause of the accident, and the nature of the accident It includes information, and is managed by a conventional database such as a relational database in a table format as shown in FIG. 2, for example.
[0045]
As the business type, for example, the business type described in the Japanese standard industrial classification can be used, but how to define the business type may be determined according to the design.
[0046]
As the regional information, the location of a local government unit such as a prefecture unit or a municipality unit may be used, or geographical information such as the altitude, distance from a river, and annual rainfall may be used.
[0047]
As the customer scale, information such as total assets, sales, number of employees, and annual income and family structure can be used for corporations.
[0048]
The accident classification corresponds to the type of insurance purpose, and is information such as an accident related to property, an accident related to employees (family), an accident related to liability, and an accident related to profit (income).
[0049]
Accident forms are, for example, information such as fire, water disaster, theft, interpersonal compensation, objective compensation, and lost time damage.
[0050]
The cause of the accident is if the accident type is a fire, electricity leakage, gas leak, arson, etc., if it is a water disaster, flood, storm surge, landslide, etc. It becomes information such as product defects.
[0051]
Here, the accident example information storage means 10 may store the accident example information in a state classified according to any attribute information among the area information such as the type of business and the location, and the customer scale. By classifying in this way, it becomes easy to search for information on accident examples based on search keys such as area information such as type of business and location, and customer size.
[0052]
The customer risk extraction means 11 receives information related to the customer, searches the accident example information storage means 10 using an attribute value included in the information related to the customer as a search key, and reads information on the accident example that matches the search key.
[0053]
For customer information, for example, if the customer is a corporation, the company name, location, industry, business description, performance, sales, number of employees, financial details, details of owned facilities (location, structure, area, usage, acquisition, etc.) Attribute values such as price and acquisition date) are included. For example, when the customer is an individual, attribute values such as name, address, occupation, age, family structure, income, details of owned cars (number of vehicles, vehicle type, presence / absence of safety equipment) are included.
[0054]
Of these attribute values, the search key can be used in combination with, for example, industry, location, company size, etc. (in the case of an individual, occupation, address, income, etc.). Whether to use it may be determined according to the customer.
[0055]
Information regarding these customers may be input by the user, or may be acquired from an external database (not shown). When the user inputs, the customer risk extraction unit 11 includes an input unit (not shown) that receives the user's input. The input means is configured to display an input screen on a display device, for example, and allow a user to input necessary information in an interactive format.
[0056]
The customer risk extracting means 11 extracts and outputs attribute information such as accident classification, accident type, accident cause, etc. included in the matched accident example information as risk information possessed by the customer. Since accident example information that matches the customer's attribute value as a search key can be regarded as accident example information that may occur in the customer, attribute information such as accident classification included in the accident example information It can be regarded as risk information held by customers.
[0057]
Here, by including the segmented collateral classification in the information of the accident example stored in the accident example information storage unit 10, the customer risk extracting unit 11 uses the segmented collateral classification as risk information possessed by the customer. Can be extracted.
[0058]
The subdivision collateral category refers to categories in an equivalent and flat structure that are subdivided so as not to overlap each other in the collateral content of insurance products, and is specified including at least the combination of accident category, accident type, and accident cause . For example, a subdivision security category 1 = (property, fire, leakage), a subdivision security category 2 = (responsibility for liability, interpersonal compensation, facility management error) can be considered.
[0059]
The accident example information storage means 10 may store statistical information such as accident occurrence frequency information, accident unit price information, and predicted damage amount information. Each statistical information is memorize | stored for every subdivision security classification in the table | surface format as shown, for example in FIG. Each piece of statistical information is updated at a predetermined timing (for example, once a year) by a data management system (not shown).
[0060]
For example, in the case of accident occurrence frequency information, the number of accident cases for each combination of industry type, regional information, customer scale, and segmented collateral classification is obtained for the accident case information stored in the accident case information storage means 10, and the data management system Can be updated by dividing by the total number of contracts corresponding to the combination stored in. In this example, the ratio of the number of accident cases to the total number of contracts is used as the accident occurrence frequency information, but other values can be used as the accident occurrence frequency information. For example, the number of accident cases per unit sales may be obtained by dividing the number of accident cases by the sales amount of the customer corresponding to the combination, and this may be used as accident occurrence frequency information. Also, for example, the number of accident cases per unit area can be obtained by dividing the number of accident cases by the area of the customer-owned facility corresponding to the combination, and this can be used as accident occurrence frequency information.
[0061]
Moreover, if it is accident unit price information, about the actual amount of damage among the accident example information memorize | stored in the accident example information storage means 10, obtain | require the average for every combination of a type of industry, regional information, a customer scale, and a subdivision security classification Can be updated.
[0062]
Further, the expected damage amount information can be updated by multiplying the updated accident occurrence frequency by the updated accident unit price.
[0063]
When statistical information is stored, the customer risk extraction means 11 calculates a risk evaluation value for each of the extracted segmented collateral categories based on statistical information corresponding to customer attributes, and the risk information possessed by the customer To output.
[0064]
The risk evaluation value represents a measure of which risk should be compensated for larger (or smaller) when setting the compensation content. As the risk evaluation value, for example, a value obtained by multiplying the accident occurrence frequency by the accident unit price (expected damage amount), a value obtained by multiplying the expected damage amount by a predetermined constant, or the like can be used.
[0065]
As the predetermined constant, information such as the structure of the owned facility, the presence / absence of disaster prevention equipment, and the implementation status of the safety measures among the information related to the customer may be converted into constants according to certain rules.
[0066]
Further, in the accident example information storage means 10, the standard risk evaluation value in the same industry (hereinafter referred to as “standard risk evaluation value”), the standard risk evaluation value in the same region, the same for each segmented security category You may make it memorize | store the standard risk evaluation value etc. in a customer scale. Furthermore, standard risk evaluation values may be stored for arbitrary combinations of the same type of business, the same region, and the same customer size.
[0067]
In this case, the customer risk extraction means 11 reads out standard risk evaluation values that match the customer attribute values for each of the extracted segmented collateral categories. Then, each extracted segmented collateral classification is compared with the calculated risk evaluation value, and the comparison result is included in the risk information of the customer and output. As a comparison result, for example, the difference between the two may be used. Such a difference can be regarded as a value indicating a risk tendency peculiar to the customer.
[0068]
Note that the segmented security classification, risk evaluation value, and standard risk evaluation value in the first embodiment may be presented to a customer or the like by text, graph, voice, or the like by an output unit (not shown).
[0069]
According to the present embodiment, in order to automatically extract the risk of the customer based on the example of an accident that may occur in the customer, searched from information related to the customer, such as business type, regional information, customer size, etc. Even if risk analysis is performed, uniform extraction results that do not depend on experience can be obtained.
(Second Embodiment)
Next, with reference to FIG. 4, the risk analysis system which is the 2nd Embodiment of this invention is demonstrated. As shown in FIG. 4, the risk analysis system 2 further includes insurance product storage means 20 in addition to the configuration of the risk analysis system 1 of the first embodiment.
[0070]
Since the configuration and operation of the accident example information storage means 10 are the same as those of the risk analysis system 2 of the first embodiment, description thereof is omitted.
[0071]
The insurance product storage means 20 stores the correspondence relationship between the insurance product and the subdivided collateral classification, that is, the subdivided collateral classification secured by the insurance product. Here, the insurance product is an insurance designed by the present invention or the prior art.
[0072]
The customer risk extraction means 11 searches the information on the accident example in the same manner as in the first embodiment, and extracts the segmented collateral classification included in the information on the accident example. Then, by referring to the insurance product storage means 20, it is determined whether or not the predetermined insurance product secures the extracted segmented collateral classification, and the determination result is included in the risk information possessed by the customer and output. . Further, the determination result is presented to the customer or the like by text, graph, voice or the like by output means (not shown).
[0073]
Here, by making the insurance that the customer has already contracted into the predetermined insurance product, whether or not the compensation content of the insurance that the customer is currently contracting secures the extracted subdivision security classification, that is, It is possible to determine whether or not the customer has sufficient risk.
[0074]
According to the present embodiment, the risk hedging status according to the compensation content currently contracted by the customer can be presented to the customer in units of the segmented collateral classification, so which compensation is sufficient and which is sufficient. It can be accurately shown whether there is any.
(Third embodiment)
Next, with reference to FIG. 5, the insurance design system which is the 3rd Embodiment of this invention is demonstrated. As shown in FIG. 5, the insurance design system 3 includes compensation content setting means 30.
[0075]
Here, the insurance design system according to the present invention only needs to include the above-described means, and may be either a system dedicated to insurance design or a general-purpose information processing apparatus. For example, in an information processing device having a general configuration including a processing device, an input unit, a storage unit, and an output unit, the insurance design system of the present invention is realized by starting software that defines the operation of each unit. be able to. The dedicated system or information processing apparatus may be configured by a single computer or may be configured by a plurality of computers distributed on a network.
[0076]
The compensation content setting means 30 sets the compensation content by combining the subdivided collateral categories so as to secure all the risks possessed by the customer based on the risk information possessed by the customer, and outputs the set compensation content as insurance setting information To do.
[0077]
Here, the compensation content may be set by giving a cover coefficient to the subdivided security classification and combining them, and the set compensation content may be output as insurance setting information.
[0078]
The cover coefficient is a value that represents a measure of how much compensation should be made for each segmented security category. Such a cover coefficient may be calculated based on risk information possessed by the customer, or a predetermined value may be used.
[0079]
The compensation content setting means 30 further obtains the price of the collateral object for each of the combined subdivided collateral categories, and calculates the insurance payment limit based on the price of the collateral object and the cover coefficient, thereby providing the compensation content May be set in detail.
[0080]
The price of the collateral target can be acquired by calculating based on, for example, information about the customer, for example, information such as sales and details of owned facilities. Or you may comprise so that a user may input directly, and you may make it acquire from an external database (not shown) based on the information regarding a customer.
[0081]
The insurance money payment limit can be calculated, for example, by multiplying the collateral target price by the cover coefficient.
[0082]
In this case, the cover coefficient is given as a value between 0 and 1. For example, a subdivision collateral category with a cover factor of 0 is set as an insurance payment limit of 0 yen, that is, non-collateral, and a subdivision collateral category with a cover factor of 0.8 has an insurance payment limit In the subdivided collateral classification that is set as an amount of 80% of the price of the collateral object and the cover coefficient is 1, the price of the collateral object is set as the insurance payment limit amount as it is. Here, the self-pay amount (exemption amount) may be set based on the cover coefficient. For example, when the cover coefficient is 0.8, a value 0.2 obtained by subtracting the cover coefficient from 1 is calculated as the ratio of the self-pay amount, and a value obtained by multiplying this by the price of the collateral target is set as the self-pay amount. When the self-pay amount is set, the insurance money is paid only when the actual amount of damage exceeds the self-pay amount.
[0083]
The insurance setting information output by the compensation content setting means 30 is, for example, {(subdivided collateral classification 1, insurance payment limit, cover coefficient), (subdivided collateral classification 2, insurance payment limit, cover coefficient),. ..}.
[0084]
According to the present embodiment, since the collateral content does not overlap with respect to the set compensation content, the adjustment of the collateral content after setting the compensation content as in the prior art becomes unnecessary. In addition, since there is only one combination of subdivided collateral categories that guarantees all the risks of customers, it is not necessary to check the validity of the combination method.
(Fourth embodiment)
Next, with reference to FIG. 6, the insurance design system which is the 4th Embodiment of this invention is demonstrated. As shown in FIG. 6, the insurance design system 4 further includes an insurance rate storage means 40 in addition to the configuration of the insurance design system 3 of the third embodiment.
[0085]
The insurance premium rate storage means 40 stores an insurance premium rate corresponding to each segmented security category. The insurance premium rate corresponds to the coefficient used to calculate the insurance premium (amount paid by the customer). In principle, the insurance premium is calculated by multiplying the insurance premium rate by the insurance payment limit. become. However, depending on the collateral category, the insurance premium may be calculated by multiplying a predetermined value determined by the insurance payment limit by the insurance premium rate and then multiplying the number of employees or sales.
[0086]
The compensation content setting means 30 sets the compensation content by combining the subdivided security categories so as to secure all the risks of the customer based on the risk information of the customer.
[0087]
Further, the compensation content is set in detail by obtaining the price of the collateral target for each of the selected subdivided collateral categories and calculating the insurance payment limit by multiplying the price of the collateral target and the cover coefficient.
[0088]
Further, by referring to the insurance rate storage means 40, the insurance rate corresponding to the segmented security category used for the combination is read out. Then, for example, by multiplying the insurance premium payment limit and the insurance premium rate, the insurance premium for each subdivision collateral classification used in the combination is calculated, and the insurance setting information is output in a state including the insurance premium.
[0089]
The insurance setting information output by the compensation content setting means 30 is, for example, {(subdivided collateral category 1, insurance payment limit, insurance premium, cover factor), (subdivided collateral category 2, insurance payment limit, insurance Information),...}.
(Fifth embodiment)
Next, with reference to FIG. 7, the insurance design system which is the 5th Embodiment of this invention is demonstrated. As shown in FIG. 7, the insurance design system 5 further includes compensation content correction means 50 in addition to the configuration of the insurance design system 4 of the fourth embodiment.
[0090]
The operation of the first example in the fifth embodiment will be described below.
[0091]
The configurations and operations of the compensation content setting unit 30 and the insurance premium rate storage unit 40 are the same as those of the insurance design system 4 of the fourth embodiment, and thus description thereof is omitted.
[0092]
The compensation content correction means 50 accepts insurance setting information and an external input, and corrects and outputs the content of the insurance setting information based on the external input. As the input from the outside, for example, past accident record information of the customer, instruction information from the customer, and the like can be considered.
[0093]
When the customer's past accident record information is inputted from the outside, the compensation content correcting means 50 is a subdivided security classification corresponding to an accident that has occurred in the past at a frequency equal to or higher than a predetermined threshold, or a predetermined Detect subdivided collateral categories corresponding to accidents for which insurance money above the threshold has been paid. Then, the insurance setting information is corrected by changing the insurance payment limit so that the cover coefficient is 1 for the subdivided collateral classification, and the corrected insurance setting information is output. On the other hand, for such a subdivision collateral classification, it is conceivable that the cover coefficient is set to 0 because insurance cannot be assumed.
[0094]
Further, when the instruction information from the customer is inputted from the outside, the compensation content correcting means 50 corrects the insurance setting information based on the instruction information (addition / deletion of subdivided collateral classification, change of insurance payment limit amount) Etc.) and output the revised insurance setting information.
[0095]
As the instruction information, the content of compensation can be considered so that the total insurance premium is within a certain budget. In this case, various patterns can be considered for the correction method. For example, a method of correcting the insurance payment limit to the same rate for all of the subdivided collateral categories can be considered. In addition, priority that should be intensively compensated for the subdivided collateral classification may be determined, and the insurance payment limit may be reduced according to the priority.
[0096]
According to the present embodiment, it is possible to correct the compensation contents in accordance with the customer situation such as past accident history and the customer's instruction, so that the insurance design more suitable for the customer can be performed.
[0097]
Next, the operation of the second example in the fifth embodiment will be described.
[0098]
The compensation content setting means 30 sets the compensation content by combining the subdivided security categories so as to secure all the risks of the customer based on the risk information of the customer.
[0099]
Further, the compensation content is set in detail by obtaining the price of the collateral target for each of the selected subdivided collateral categories and calculating the insurance payment limit by multiplying the price of the collateral target and the cover coefficient.
[0100]
Here, for example, when all the cover coefficients are set to 1, insurance payment limit for all subdivided collateral categories = the price of collateral. The case where the cover coefficient is determined in this way is called an all-risk / full-cover type.
[0101]
For example, when all the cover coefficients are set to 0.8, 80% of the price of the collateral target is uniformly the insurance payment limit for all the subdivided collateral categories. Such a case where the cover coefficient is uniformly reduced is referred to as an all risk / limited cover type. Note that the value of the cover coefficient can be variously changed.
[0102]
Furthermore, for example, by setting the cover factor to 1 for the subdivided collateral categories to be compensated for priority and setting the cover factor to 0.5 for the remaining subdivided collateral categories, the insurance money only for the specific subdivided collateral categories Payment limit = price of collateral, and for other subdivision collateral categories, the insurance payment limit can be 50%. Such a case where the cover coefficient is changed depending on the subdivision collateral classification is called a high risk priority cover type. In addition, the value of each cover coefficient can be changed variously.
[0103]
FIG. 8 is a schematic diagram showing the concept of each cover type. 8A shows an all risk / full cover type, FIG. 8B shows an all risk / limited cover type, and FIG. 8C shows a high risk priority cover type. In each, the radially extending axis represents the subdivision security category, and the value shown for each axis represents the value of the cover coefficient.
[0104]
As described above, various compensation contents can be set in detail for the combination of the same subdivision guarantee categories by changing each cover coefficient in various ways.
[0105]
The compensation content setting means 30 simultaneously sets and sets a plurality of compensation contents such as an all risk / full cover type, an all risk / limited cover type, and a high risk priority cover type by changing the value of each cover coefficient. A plurality of compensation contents are output as insurance setting information.
[0106]
The insurance setting information output from the compensation content setting means 30 is, for example, {(cover type 1, (subdivided collateral classification 1, insurance payment limit, insurance premium, cover coefficient), (subdivided collateral classification 2, insurance money) (Payment limit, insurance premium, cover factor), ...), (cover type 2, (subdivision security category 1, insurance payment limit, insurance premium, cover factor), (subdivision security category 2, insurance money) Payment limit, insurance premium, cover coefficient), ...), ...}.
[0107]
The compensation content correction means 50 receives the insurance setting information output from the compensation content setting means 30 and presents the insurance setting information to the outside by text display, graph display, voice output, or the like. Then, designation information for designating one of the plurality of compensation contents is received as an input from the outside, final compensation contents are determined based on the designation information, and output as insurance setting information.
[0108]
The insurance setting information output from the compensation content correcting means 50 is, for example, {cover type 1, (subdivided collateral classification 1, insurance payment limit, insurance premium, cover factor), (subdivided collateral classification 2, insurance payment) Limit amount, insurance premium, cover coefficient), and so on.
[0109]
According to the present embodiment, it is possible to present and select a plurality of compensation contents to the customer or the like, so that the insurance design according to the customer's request can be performed more flexibly.
(Sixth embodiment)
Next, an insurance design system according to a sixth embodiment of the present invention will be described with reference to FIG. As shown in FIG. 9, the insurance design system 6 further includes a clause text storage unit 60 and a customer-adaptive clause creation unit 61 in addition to the configuration of the insurance design system 4 of the fourth embodiment.
[0110]
The configurations and operations of the compensation content setting unit 30 and the insurance premium rate storage unit 40 are the same as those of the insurance design system 4 of the fourth embodiment, and thus description thereof is omitted.
[0111]
The clause text storage means 60 stores a template for the clause text corresponding to each segmented security category.
[0112]
The template of the clause text stored in the clause text storage means 60 is a combination of a plurality of subdivided collateral categories in relation to a plurality of related subdivided collateral categories or a risk that the customer is likely to have. Also good.
[0113]
In this case, for example, a combination of the terms of the clauses for {subdivided collateral category 1, subdivided collateral category 2, subdivided collateral category 3} is a general insurance policy, {subdivided collateral category 4, subdivided collateral category 5 } Can be stored in the clause text storage means 60 as a special clause.
[0114]
The customer-adaptive contract creation means 61 receives the insurance setting information output from the compensation content setting means 30 and the information about the customer, and refers to the contract text storage means 60, thereby subdividing the insurance setting information. Read the template for the terms and conditions corresponding to the collateral category. Then, based on the information related to the customer, the column of the customer name etc. in the template of the clause text is corrected, and the corrected clause text is included in the insurance setting information and output.
[0115]
The insurance setting information output from the customer-adaptive policy making means 61 is, for example, {(subdivided collateral category 1, insurance payment limit, insurance premium, cover coefficient, contract text), (subdivided collateral category 2, insurance policy Information such as payment limit, insurance premium, cover factor, terms of contract), ...}.
[0116]
Here, the customer-adaptive policy making means 61 can be configured to prepare and print an insurance policy based on the terms of the policy by providing printing means (not shown). The printed insurance policy is composed only of the text of the policy corresponding to the subdivision classification included in the coverage (except for the portion common to the insurance policy), and the insurance policy customized according to the coverage It has become.
[0117]
Note that the configuration including the customer-adaptive clause creation means 61 and the clause text storage means 60 may be a clause creation system that implements the clause creation method of the present invention.
(Seventh embodiment)
Next, with reference to FIG. 10, the insurance design system which is the 7th Embodiment of this invention is demonstrated. As shown in FIG. 10, the insurance design system 7 further includes a risk analysis system 1 in addition to the configuration of the insurance design system 3 according to the third embodiment.
[0118]
The configuration and operation of the accident example information storage means 10 and the customer risk extraction means 11 in the risk analysis system 1 are the same as those in the risk analysis system 1 of the first embodiment.
[0119]
The configuration / operation of the compensation content setting means 30 is the same as that of the insurance design system 3 of the third embodiment.
[0120]
The compensation content setting means 30 receives the risk information possessed by the customer from the risk analysis system 1 and operates based on the segmented collateral classification included in the risk information possessed by the customer. The compensation content setting means 30 may determine the cover coefficient based on the risk evaluation value when the received risk information of the customer includes a risk evaluation value.
[0121]
For example, when all the risk evaluation values are equal, it is conceivable that the cover coefficient is set to 1 for all the segmented security categories. Further, for example, a segmented collateral category having a risk evaluation value equal to or greater than a predetermined threshold is regarded as a segmented collateral category that should be compensated intensively, and the cover factor is set to 1 only for the segmented collateral category, and the remaining segmentation For the chemical collateral classification, the cover coefficient may be a value smaller than 1 (for example, 0).
[0122]
Further, when the received risk information of the customer includes a comparison result between the risk evaluation value and the standard risk evaluation value, the cover coefficient may be determined based on the comparison result.
[0123]
For example, a segmented collateral category in which the difference between the risk assessment value and the standard risk assessment value is equal to or greater than a predetermined threshold value is regarded as a segmented collateral category to be compensated, and the cover coefficient is set to 1 only for the segmented collateral category. For the remaining subdivided collateral categories, the cover coefficient may be a value smaller than 1 (for example, 0).
[0124]
Here, the insurance design system 7 of the present embodiment is configured to include the risk analysis system 1 according to the first embodiment and the insurance design system 3 according to the third embodiment. It is good also as a structure provided with the risk analysis system 2 of 2nd Embodiment instead of. Moreover, it is good also as a structure provided with the insurance design system of 4th-6th embodiment instead of the insurance design system 3. FIG.
[0125]
For example, when the risk analysis system 2 and the insurance design system 5 are provided, the compensation content setting means 30 receives the risk information possessed by the customer from the risk analysis system 2, and the determination included in the risk information possessed by the customer. The result (the result of determining whether or not the insurance that the customer has already contracted has secured the extracted segmented collateral classification) is included in the insurance design information and output.
[0126]
The compensation content correction means 50 receives the insurance setting information output from the compensation content setting means 30, and presents the judgment result included in the insurance setting information to the outside by text display, graph display, voice output, or the like. Then, customer instruction information is received as an input from the outside, and based on this, the contents of the insurance setting information are corrected and output.
[0127]
With this configuration, the customer can grasp the status of risk hedging based on the compensation contract currently contracted in units of segmented collateral categories, and which compensation is sufficient and which is insufficient. The customer's instruction information can be input to the compensation content correction means 50 while accurately judging.
(Eighth embodiment)
Next, with reference to FIG. 11, the insurance contract management system which is the 8th Embodiment of this invention is demonstrated. As shown in FIG. 11, the insurance contract management system 8 includes an insurance design system 80 and a data management system 81.
[0128]
The insurance design system 80 is realized by the same configuration as the insurance design system of any one of the third to seventh embodiments of the present invention.
[0129]
The data management system 81 manages the contents of compensation for contracted insurance. As a management method, a conventional database technology such as a relational database can be used.
[0130]
The insurance design system 80 and the data management system 81 are connected by a wired or wireless network, and insurance setting information output from the insurance design system 80 is input to the data management system 81 through the network. With this configuration, it is not necessary to input data to the data management system 81 using an OCR or a punched tape reader, so that it is possible to prevent an input error due to OCR misrecognition or the like.
(Ninth embodiment)
Next, a ninth embodiment of the present invention will be described. The first example of the ninth embodiment includes a recording medium on which a risk analysis program is recorded. This recording medium may be a CD-ROM, magnetic disk, semiconductor memory, or other recording medium, and includes cases where it is distributed via a network.
[0131]
The risk analysis program is read from the recording medium into the data processing device and controls the operation of the data processing device. Under the control of the risk analysis program, the data processing device displays accident example information that may occur to the customer based on information about the customer from among the accident example information stored in the storage means in a state including at least the subdivision security category. Select, extract a segmented security category from the selected accident example information, and extract the extracted segmented security category as risk information possessed by the customer.
[0132]
That is, the data processing apparatus executes the same processing as the processing by the risk analysis system in FIG. 1 or FIG. 4 under the control of the risk analysis program.
[0133]
The second example of the ninth embodiment includes a recording medium on which an insurance design program is recorded. This recording medium may be a CD-ROM, magnetic disk, semiconductor memory, or other recording medium, and includes cases where it is distributed via a network.
[0134]
The insurance design program is read from the recording medium into the data processing device, and controls the operation of the data processing device. The data processing apparatus sets the compensation contents by combining the subdivision security categories under the control of the insurance design program.
[0135]
In addition, the data processing device is controlled by the insurance design program, the accident example that may occur to the customer based on the information about the customer from the accident example information stored in the storage means in a state including at least the subdivision security classification Select information, extract the subdivision collateral classification from the selected accident example information, set the compensation content by combining the extracted subdivision collateral classification, and in the storage means in a state corresponding to the subdivision collateral classification A clause text corresponding to the extracted subdivision security classification is extracted from the stored clause text, and an insurance policy is created based on the extracted clause text.
[0136]
That is, the data processing apparatus executes the same processing as that by the insurance design system shown in any of FIGS. 5, 6, 7, 9, or 10 under the control of the insurance design program.
[0137]
The third example of the ninth embodiment includes a recording medium on which an insurance policy creating program is recorded. This recording medium may be a CD-ROM, magnetic disk, semiconductor memory, or other recording medium, and includes cases where it is distributed via a network.
[0138]
The insurance policy making program is read from the recording medium into the data processing device and controls the operation of the data processing device. Under the control of the insurance policy creation program, the data processing device extracts the policy language corresponding to the security category included in the insurance product contracted by the customer from the policy language stored in the storage means in a state corresponding to the security category. Then, an insurance policy is prepared based on the extracted policy text.
[0139]
In other words, the data processing apparatus executes the same process as the process by the customer-adaptive contract creation means 61 in FIG. 9 under the control of the insurance contract creation program.
[0140]
It should be noted that the present invention is not limited to the above embodiments and can be applied in various modifications. For example, the insurance premium rate storage means may store the insurance premium rate corresponding to each combination of the segmented collateral classification and the attribute information such as the type of business. In this case, the insurance premium can be calculated according to the customer attribute value. In addition, various information can be included in the insurance setting information output in each of the embodiments as necessary. For example, when the self-pay amount is set in the insurance design system, the self-pay amount related to the insurance setting information may be included and output.
[0141]
【The invention's effect】
The present invention performs risk analysis in order to automatically extract a customer's risk based on an accident example that may occur in the customer, which is searched from information related to the customer, such as location, industry, sales, etc. Uniform extraction results that do not depend on experience can be obtained.
[0142]
Further, since the collateral classification is subdivided so that the collateral contents do not overlap each other, and the compensation contents are set by combining the subdivided collateral classifications, it is not necessary to adjust the overlapping collateral contents. In addition, since only one combination of subdivided collateral categories that realize the same collateral content is determined, it is not necessary to check the validity of the combination method. Therefore, it is possible to perform insurance design with uniform quality of compensation without depending on the experience and knowledge of the person who performs insurance design.
[0143]
In addition, the contract terms corresponding to each collateral category are stored in a database, and insurance clauses are created using only the terms and conditions corresponding to the collateral category included in the coverage, so it is customized for each customer according to the designed compensation details. You can create a written insurance policy.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a risk analysis system according to a first embodiment of the present invention.
FIG. 2 is a diagram illustrating an example of accident example information stored in an accident example information storage unit;
FIG. 3 is a diagram illustrating an example of statistical information stored in an accident example information storage unit.
FIG. 4 is a block diagram showing a configuration of a risk analysis system according to a second embodiment of the present invention.
FIG. 5 is a block diagram showing a configuration of an insurance design system according to a third embodiment of the present invention.
FIG. 6 is a block diagram showing a configuration of an insurance design system according to a fourth embodiment of the present invention.
FIG. 7 is a block diagram showing a configuration of an insurance design system according to a fifth embodiment of the present invention.
FIG. 8 is a schematic diagram showing a concept of a cover type.
FIG. 9 is a block diagram showing a configuration of an insurance design system according to a sixth embodiment of the present invention.
FIG. 10 is a block diagram showing a configuration of an insurance design system according to a seventh embodiment of the present invention.
FIG. 11 is a block diagram showing a configuration of an insurance contract management system according to an eighth embodiment of the present invention.
[Explanation of symbols]
1, 2 Risk analysis system
3, 4, 5, 6, 7, 80 Insurance design system
8 Insurance contract management system
10 Accident example information storage means
11 Customer risk extraction means
20 Insurance product storage means
30 Compensation content setting means
40 Insurance premium rate storage means
50 Compensation content correction means
60 Terms text storage means
61 Customer-adaptive contract making means
81 Data management system

Claims (8)

Compensation content setting means for determining and outputting insurance setting information indicating the compensation content by combining the subdivided collateral categories specified so that the collateral content does not overlap each other, including at least the combination of accident category, accident form, and accident cause When,
A clause text storage means for storing a clause text corresponding to each subdivided collateral category;
Selecting a clause text corresponding to the combined subdivided collateral classification by referring to the clause text storage means, and creating a customer-facing clause provision means,
Accident example information storing accident example information including any of industry type information, area information, and customer scale information of the accident target person, and the segmented collateral classification corresponding to the past accident example of the accident target person Storage means;
The accident using the same type of information included in the accident example information as a search key among any of the customer industry information, regional information, and customer size information input from the user or acquired from an external database A customer risk extraction means for searching the example information storage means, reading out the accident example information group matched with the search key, and extracting and outputting the segmented collateral classification included in each accident example information of the read out accident example information group; With
The contents of compensation setting means, the customer risks extracting means receiving the subdivision collateral segments outputted by Rukoto combining the subdivided collateral classification accepted, the combination of subdivision collateral partitioned so as to achieve the same security content Is defined as a single policy, and the combined subdivided collateral classification is output as insurance setting information indicating compensation details. The compensation content setting means obtains a collateral target price for each subdivided collateral category, and calculates an insurance payment limit based on the collateral target price and a cover coefficient predetermined for each subdivided collateral category The insurance design system according to claim 1 . Furthermore, an insurance premium rate storage means for storing the insurance premium rate corresponding to each segmented security category is provided,
The compensation content setting means reads the insurance premium rate corresponding to the segmented security category by referring to the insurance premium rate storage means, and calculates the insurance premium based on the read insurance premium rate and the calculated insurance payment limit The insurance design system according to claim 2 . Furthermore, information on the occurrence frequency of past accidents of customers is received from the outside, and in the past, it has occurred at a frequency equal to or higher than a predetermined threshold for the combination of segmented security categories output as the insurance setting information Compensation content correction means for detecting a segmented collateral category corresponding to an accident, changing the insurance payment limit so that the cover coefficient is 1 for the detected segmented collateral category, and changing the compensation content The insurance design system according to claim 2 or 3, wherein The accident example information storage means, the accident subject of industry information, local information, stores the expected loss harm amount information for each one of the information and subdivision collateral classification of customer scale information as statistical information,
The customer risk extraction means, from the accident example information storage means, and outputs the extracted expected DAMAGES amount information corresponding to the subdivision collateral segments the extracted,
The contents of compensation setting means, the customer risks extracting means receiving the expected DAMAGES amount information is output, the expected loss harm amount information received is set to 1 the cover factor for subdivision collateral section of more than a predetermined threshold value insurance design system according to any one of claims 2 to 4, characterized in that a value smaller than 1 the cover factor for subdivision collateral division otherwise. Furthermore, it comprises an insurance product storage means for storing a correspondence relationship between the insurance product and the subdivision collateral classification secured by the insurance product,
The customer risk extraction means refers to the insurance product storage means, reads out a segmented security category corresponding to an insurance product that a customer has already contracted, and the readout segmented security category extracts the segmented security Determine whether the category is covered,
Furthermore, insurance design system according to any one of claims 1 to 5, characterized in that it comprises an output means for outputting the judgment result for presentation to the customer or the like. The accident example information storage means stores, as statistical information, accident occurrence frequency information and accident unit price information for each of the business type information, area information, and customer scale information of the accident subject person and for each segmented security category ,
The customer risk extraction means reads accident occurrence frequency information and accident unit price information corresponding to the extracted subdivision collateral classification from the accident example information storage means, and multiplies the accident occurrence frequency by the accident unit price to calculate an expected loss amount. Calculate
Furthermore, insurance design system according to any one of claims 1 to 6, characterized in that it comprises an output means for outputting the calculated predicted loss information harm amount for presentation to the customer or the like. The accident example information storage means stores the expected damage amount information as statistical information for each subdivision collateral category,
The customer risk extraction means, from the accident example information storage means, reads out the estimated DAMAGES amount information corresponding to the subdivision collateral segments the extracted,
Furthermore, insurance design system according to any one of claims 1 to 6, characterized in that it comprises an output means for outputting the estimated DAMAGES amount information read the for presentation to customers or the like.

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