JP7071576B1 - Insurance premium calculation system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new insurance premium calculation system. SOLUTION: A condominium common area and / or an article provided in a condominium common area, or a condominium management association and / or a resident of the condominium, which is equipped with at least one computer device, is liable for legal damages. An insurance premium calculation system that calculates insurance premiums for insurance that compensates for damages incurred by paying, and is an evaluation item for the common area of the condominium and / or the goods provided in the common area of the condominium, or management of the goods. A premium calculation system equipped with a premium calculation means that calculates premiums according to the evaluation criteria for evaluation items related to the condition. [Selection diagram] FIG. 4

Description

The present invention relates to an insurance premium calculation system.

Fire insurance and earthquake insurance are widely used as non-life insurance for buildings. For example, insurance premiums for fire insurance are based on structural classifications such as M structure (apartment structure), T structure (fireproof structure), and H structure (M structure and other structures such as wooden structures that do not correspond to T structure). It is known to be calculated (for example, Patent Document 1).

In the method disclosed in Patent Document 1, in addition to each structural class, the applicable fee rate is obtained based on the location information, and the insurance premium is calculated. However, in view of the actual situation of insurance accidents in the common area of condominiums owned by division, there are many cases where factors that affect insurance accidents can be considered in addition to the structural class and location of the building. Therefore, it is desirable to provide a new insurance premium calculation system that takes these factors into consideration.

Japanese Patent Application Laid-Open No. 2003-85372

An object of the present invention is to provide a new insurance premium calculation system.

An object of the present invention is
[1] Equipped with at least one computer device, the common area of the condominium and / or the goods provided in the common area of the condominium, or the condominium management association and / or the resident of the condominium bears legal liability for damages. It is an insurance premium calculation system that calculates insurance premiums for insurance that compensates for damages incurred by doing so, and is an evaluation item for the common area of the condominium and / or the goods provided in the common area of the condominium, or the management status of the goods. A premium calculation system equipped with a premium calculation means for calculating premiums according to the evaluation criteria for the evaluation items of
[2] The insurance premium calculation system according to the above [1], including the case where the evaluation criteria differ depending on the age of the condominium;
[3] Evaluation items are specific building periodic survey, building equipment periodic survey, fire prevention equipment periodic survey, firefighting equipment inspection, water supply pipe renewal / rehabilitation work, drainage pipe renewal / rehabilitation work, and drainage pipe cleaning. The insurance premium calculation system according to the above [1] or [2], which is information on at least one of the works;
[4] The above-mentioned [1] to [3], wherein the evaluation quantification means calculates an insurance premium according to an evaluation classification means that classifies into one of a plurality of stages according to the evaluation criteria and the classified stages. Insurance premium calculation system described in any of;
[5] One of the above-mentioned [1] to [4], in which the evaluation quantifying means for quantifying the evaluation according to the evaluation standard for each evaluation item and the insurance premium are calculated according to the quantified numerical value. Insurance premium calculation system described in;
[6] The insurance premium calculation means, and the common area of the condominium and / or the goods provided in the common area of the condominium, or the management association of the condominium and / or the resident of the condominium bear the legal liability for damages. The insurance premium calculation system according to any one of the above [1] to [5], which calculates the insurance premium according to the past accident occurrence situation of the damage suffered by the damage.
[7] Equipped with at least one computer device, the common area of the condominium and / or the goods provided in the common area of the condominium, or the management association of the condominium and / or the resident of the condominium bears legal liability for damages. It is a premium calculation method executed in the premium calculation system that calculates the premium in the insurance that compensates for the damage incurred by doing so, and it is about the common area of the condominium and / or the goods provided in the common area of the condominium. An insurance premium calculation method having a step of calculating an insurance premium according to an evaluation item or an evaluation standard for an evaluation item regarding the management status of an article;
[8] The insurance premium calculation method according to the above [7], including the case where the evaluation criteria differ depending on the age of the condominium;
[9] Compensate for damages incurred by the condominium management association and / or the resident of the condominium who bears the legal liability for the common area of the condominium and / or the goods provided in the common area of the condominium. An insurance premium calculation program that calculates insurance premiums for insurance, and is an evaluation item for the goods provided in the common area of the condominium and / or the common area of the condominium, or the evaluation item for the management status of the goods. A premium calculation program that functions as a premium calculation method for calculating premiums according to the evaluation criteria for
[10] The insurance premium calculation program according to the above [9], including the case where the evaluation criteria differ depending on the age of the condominium;
Is achieved by.

According to the present invention, it is possible to provide a new insurance premium calculation system.

It is a block diagram which shows the structure of the computer apparatus which concerns on embodiment of this invention. It is a figure which shows the flowchart of the insurance premium calculation process which concerns on embodiment of this invention. It is a schematic diagram which shows an example of the input screen for the insurance premium calculation which concerns on embodiment of this invention. It is a figure which shows the flowchart of the insurance premium determination process which concerns on embodiment of this invention. It is a figure which shows the data table of the correspondence relation between the evaluation for each age, and the score which concerns on embodiment of this invention. It is a figure which shows the data table of the correspondence relation with the building age and a coefficient for every accident rate which concerns on embodiment of this invention.

Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as “the present embodiment”) will be described in detail below. The present invention is not limited to the following embodiments, and can be variously modified and implemented within the scope of the gist thereof.

(Insurance premium calculation system)
The insurance premium calculation system according to the embodiment of the present invention is equipped with at least one computer device, and is provided with a common area of the condominium and / or an article (hereinafter, also referred to as a building or the like) provided in the common area of the condominium, or , A condominium management association and / or a condominium resident is a condominium premium calculation system that calculates insurance premiums for compensation for damages incurred due to legal liability for damages, and is a common area of condominiums and / Or provided with a premium calculation means for calculating the premium according to the evaluation item for the goods provided in the common area of the condominium or the evaluation standard for the evaluation item regarding the management status of the goods.

"Common area of condominiums" refers to common areas of condominiums such as condominiums owned by division, and real estate as common areas such as corridors, elevators, emergency stairs, entrance halls, managers' rooms, parking lots, bicycle parking lots, and plantings. Is in a shared state. "Articles provided in common areas of condominiums" refer to items provided in common areas of condominiums such as condominiums owned by division, and electrical equipment, air conditioning equipment, mailboxes in postal spaces, and delivery services provided as common facilities. Boxes, sofas in the entrance hall, machines in the gym, etc. The common area of the condominium and / or the goods provided in the common area of the condominium are not limited to these examples, and may include other real estate and the movable property which are the common area in the condominium.

FIG. 1 is a block diagram showing a configuration of a computer device corresponding to at least one of the embodiments of the present invention. The computer device 1 includes a control unit 11, a RAM (Random Access Memory) 12, a storage unit 13, a sound processing unit 14, a graphics processing unit 15, a communication interface 16, and an interface unit 17, each of which is connected by an internal bus. ..

The control unit 11 is composed of a CPU (Central Processing Unit) and a ROM (Read Only Memory). The control unit 11 executes the program stored in the storage unit 13 and controls the computer device 1. The RAM 12 is a work area of the control unit 11. The storage unit 13 is a storage area for storing the insurance premium calculation program and data.

The control unit 11 reads the insurance premium calculation program and data from the RAM 12 and performs processing. The control unit 11 processes the insurance premium calculation program and data loaded in the RAM 12 to output a sound output instruction to the sound processing unit 14 and output a drawing command to the graphics processing unit 15.

The sound processing unit 14 is connected to a sound output device 19 which is a speaker. When the control unit 11 outputs a sound output instruction to the sound processing unit 14, the sound processing unit 14 outputs a sound signal to the sound output device 19.

The graphics processing unit 15 is connected to the display unit 20. The display unit 20 has a display screen 21. When the control unit 11 outputs a drawing command to the graphics processing unit 15, the graphics processing unit 15 expands the image in the video memory (frame buffer) 18 and outputs a video signal for displaying the image on the display screen 21. Output.

An external memory 22 (for example, an SD card or the like) and an input unit 23 may be connected to the interface unit 17. The data read from the external memory 22 and the input information input by the input unit 23 are loaded into the RAM 12, and the operation unit 11 executes arithmetic processing.

The communication interface 16 can be connected to the communication network 2 wirelessly or by wire, and can receive data via the communication network 2. The data received via the communication interface 16 is loaded into the RAM 12, and the control unit 11 performs arithmetic processing.

(Insurance premium calculation process)
FIG. 2 is a diagram showing a flowchart of insurance premium calculation processing according to the embodiment of the present invention. The insurance premium calculation process is executed in the computer device 1. FIG. 3 is a schematic diagram showing an example of an input screen for calculating insurance premiums according to the embodiment of the present invention. Hereinafter, the method of calculating the insurance premium will be described in detail with reference to FIGS. 2 and 3.

Hereinafter, users include employees of insurance companies that calculate insurance premiums, as well as members of insurance agents that are entrusted with insurance solicitation by insurance companies. When the user starts the insurance premium calculation program on the computer device 1, the control unit 11 executes the program stored in the storage unit 13 and inputs a predetermined item necessary for insurance premium calculation on the display screen 21. The input screen 30 for this is displayed. The user inputs data for a predetermined item displayed on the input screen 30 for insurance premium calculation by the input unit 23 (step S11).

On the input screen 30, insurance such as target building information 31, insurance subscriber's self-pay amount 32, other insurance information 33, building evaluation result 34, liability information 35, officer compensation information 36, total insurance premium 37, etc. The prescribed items required for fee calculation are displayed. In addition to these items, information on high-priced precious metals and other information related to insurance coverage can be input.

The target building information 31 is a field for inputting information related to insurance that the user of the building or the like to be insured intends to take out. Information on insurance includes fire insurance and earthquake insurance for buildings, and fire insurance and earthquake insurance for household goods. For each insurance, it is possible to enter an evaluation amount that represents the value of the building, etc., and set the insured ratio to the value covered by the insurance. The insured ratio can be, for example, a numerical value from 30% to 100% and can be set in increments of 10%. If the insurance ratio is set to 60%, 60% of the insured value will be the insurance amount. The insurance amount is the amount promised in the insurance contract and is a fixed amount to be paid in the event of damage. The rate (insurance rate) is the ratio of the insurance premium to the insurance amount.

The self-pay amount 32 of the insurance subscriber is a column in which the user arbitrarily sets the amount borne by the subscriber among the amount of damage caused to the building or the like. The out-of-pocket amount does not affect the evaluation criteria for calculating insurance premiums, but by setting a large amount of out-of-pocket expenses, it is possible to reduce insurance premiums. The other insurance information 33 is a field for inputting information when there is a similar insurance contract for a building or the like.

The building or the like diagnosis evaluation result 34 is a column for inputting an evaluation regarding the current situation or the like in a building or the like described later. The diagnostic evaluation of buildings, etc. is an evaluation item for the common area of the condominium and / or the article provided in the common area of the condominium, or each evaluation item for the management state of the article. The evaluation items for goods are, for example, the common parts of the condominium such as the materials constituting the common parts of the condominium, and the goods provided in the common parts of the condominium such as fire extinguishing equipment and elevator equipment satisfy the predetermined Japanese industrial standards. Includes an evaluation of what it is. These evaluation items may be formulated by an outsourcer such as an apartment manager. Liability information 35 describes the damages incurred by the management association of the condominium to be compensated and / or the resident of the condominium in the event of an accident in a building, etc., and the accident. This is information about insurance that covers the costs and damages spent for the response. An accident in a building or the like means, for example, a case where a visitor falls and is injured in an entrance hall such as a condominium. Damage officer compensation information 36 describes damages incurred by the officers of the condominium management association when the building, etc. is an apartment and an accident occurs in the building, etc., and the accident response. Information about insurance that covers the costs and damages spent on behalf of. Liability information 35 and damage officer compensation information 36 are included in the damages incurred by the condominium management association and / or the resident who bear the legal liability for damages.

In step S11, data for predetermined items necessary for calculating insurance premiums, that is, target building information 31, insurance subscriber's self-pay amount 32, other insurance information 33, liability information 35, and officer compensation information 36. Next, the user inputs an evaluation for each item of the building diagnosis evaluation result 34 (step S12). Each item may be manually input, or a pull-down menu or the like may be provided and input may be selected from a plurality of options. Further, as the evaluation data for each item of the building diagnosis evaluation result 34, the evaluation data stored in the external memory 22 and the data that can be acquired from the external server device or the like via the communication network 2 are read. These data may be input as the data of the diagnosis evaluation result 34 for buildings and the like. With such an aspect, it is possible to utilize the data obtained by the insurance company requesting an outsourced company such as an apartment manager to carry out a diagnostic evaluation of a building or the like.

In step S12, after inputting the evaluation, the user inputs the age of the building or the like (step S13). Next, the user confirms the input content (step S14), and appropriately determines the save button 38 by an operation such as pressing to store the input information. The input information may be associated with the item number and the evaluation result may be stored. Next, when the user selects the insurance premium calculation button 39 for starting the insurance premium calculation, the computer device 1 calculates the insurance premium (step S15). In the insurance premium calculation process, first, the points are totaled with reference to the data table 50 based on the input evaluation. Next, the insurance premium is calculated based on the total points. The insurance premium calculation process will be described in detail later.

The input process of steps S11 to S13 may be performed as long as the input process of steps S11 to S13 is completed before the process of starting the insurance premium calculation in step S15. That is, the input processing of steps S11 to S13 may be performed in the order described above, or the order of steps S11 to S13 may be changed as appropriate.

(Insurance premium determination process)
Next, the specific processing of the insurance premium calculation in step S15 will be described. FIG. 4 is a diagram showing a flowchart of insurance premium determination processing according to the embodiment of the present invention. When the operation to start the insurance premium determination is performed, the computer device 1 determines the score for each evaluation item with reference to the data table 50 described later based on the input age and the evaluation stage (step S21). ).

FIG. 5 is a diagram showing a data table 50 of the correspondence relationship between the evaluation for each age and the score according to the embodiment of the present invention. In the data table 50, an item number 51 corresponding to an evaluation item, a diagnostic item 52, an evaluation stage 53, and a corresponding score 54 are stored for each predetermined age. The data table 50 is stored in the RAM 12 and the storage unit 13.

Each evaluation item of the building diagnosis evaluation result 34 in FIG. 3 includes "specific building periodic survey", "building equipment periodic survey", "fire prevention equipment periodic survey", and "firefighting" included in the diagnosis item 52 in FIG. It can be the implementation status of legal inspections such as "inspection of equipment, etc.", repair work such as "water supply pipe renewal / rehabilitation work", "drainage pipe renewal / rehabilitation work", and "drainage pipe cleaning work". In addition, long-term repair plans and repair reserves are set, repair work for "outer walls, rooftops and balconies" is carried out, fire prevention management, and smoking management are included in each of the diagnostic items 52 and the building evaluation result 34. , Security devices, etc. may be included.

The "Regular Survey of Specified Buildings" is an evaluation of inspections and regular reports by experts with inspection qualifications, etc., which are required by the Building Standards Act. For example, the evaluation is classified into three stages from A to C, and evaluation A is "reporting a periodic survey of specific buildings, and there are no points or improvements in the latest survey", and evaluation B is " It is not covered by the periodic survey report for specified buildings. ”Evaluation C is evaluated as“ other than evaluation A and evaluation B ”.

"Regular inspection of building equipment" is an evaluation of inspections and regular reports by experts with inspection qualifications regarding building equipment, which is required by the Building Standards Law. For example, the evaluation is classified into three stages, A to C, and evaluation A is "a periodical survey report on building equipment, and there are no points or improvements in the latest survey", and evaluation B is "building". It is not covered by the equipment periodic survey report. ”Evaluation C is evaluated as“ other than evaluation A and evaluation B ”.

"Regular survey of fire protection equipment" is an evaluation of inspections and regular reports by experts with inspection qualifications regarding fire protection equipment such as fire shutters and fire doors, which are required by the Building Standards Law. For example, the evaluation is classified into three stages, A to C, and the evaluation A is "The fire prevention equipment periodic survey report is made, and there is no indication or improvement in the latest survey", and the evaluation B is "Fire prevention". It is not covered by the equipment periodic survey report. ”Evaluation C is evaluated as“ other than evaluation A and evaluation B ”.

"Inspection of firefighting equipment, etc." is an evaluation of regular inspections and reports regarding firefighting equipment such as fire extinguishers, sprinkler equipment, and automatic fire alarm equipment, which are required by the Fire Service Act. For example, the evaluation is classified into two stages, A and B, and evaluation A is "inspecting firefighting equipment, etc., and there are no points or improvements in the latest survey", and evaluation B is "evaluation A". Other than ".

"Water supply pipe renewal / rehabilitation work" is an evaluation item related to water supply pipe renewal and / or rehabilitation work. Within the period, the water supply pipe renewal work for the common area and the exclusive area is being carried out. ”Evaluation B is“ for cases other than evaluation A, and within the predetermined period in the past from the date of diagnosis, the common area and the exclusive area. The water supply pipe rehabilitation work is being carried out, and the contractor is within the warranty period, and the contractor has a large-scale repair work defect insurance. " Therefore, within the specified period in the past from the date of the diagnosis, the water supply pipe rehabilitation work for the common area and the exclusive area has been carried out, and within the warranty period of the contractor, the contractor's large-scale repair work defect insurance. "No subscription" and evaluation D are "cases other than evaluations A to C, and in a long-term repair plan within a specified period, the water supply pipes in the common area will be used for a specified number of years or more from the time of new construction (when renewal work is carried out). The repair cycle is set, and it is within the repair cycle at the time of diagnosis. ”Evaluation E is evaluated as“ other than evaluations A to D ”.

"Drainage pipe renewal / rehabilitation work" is an evaluation item related to drainage pipe renewal and / or rehabilitation work. Within the period, the "sewage pipe" and "miscellaneous drainage pipe" of the common area and the exclusive area are being renewed. " Within, renewal work of either "sewage pipe" or "miscellaneous drainage pipe" of common area and exclusive part, or rehabilitation work of "miscellaneous drainage pipe" of common area and exclusive part And, within the warranty period of the contractor, there is a contract for large-scale repair work defect insurance of the contractor. " Within the period of, the rehabilitation work of the "miscellaneous drainage pipe" of the common area and the exclusive area is carried out, and it is within the warranty period of the contractor, and the contractor does not take out the large-scale repair work defect insurance. " Evaluation D is "a case other than evaluations A to C, and in a long-term repair plan within a predetermined period, a repair cycle of a predetermined number of years or more is set from the time of new construction (at the time of renewal work), and the repair cycle is set at the time of diagnosis. It is within the repair cycle. ”Evaluation E is evaluated as“ other than evaluations A to D ”.

"Drainage pipe cleaning work" is an evaluation item related to drainage pipe cleaning work. The drainage pipe cleaning work by the high-pressure cleaning method is carried out within the period of ”, and the evaluation B is evaluated as“ other than the evaluation A ”.

As an evaluation of the long-term repair plan and the setting status of the repair reserve fund, for example, for the long-term repair plan, the evaluation is classified into two stages, A and B, and the evaluation A is "a long-term repair plan for a certain planning period or longer is defined. Evaluation B is evaluated as "other than evaluation A", and the evaluation is classified into three stages A to C for the repair reserve fund, and evaluation A is "administrative cost or repair". There is no division owner who has been delinquent in the reserve fund for a predetermined period or more. Moreover, the delinquency rate is within a predetermined rate. ”Evaluation C is evaluated as“ other than evaluation A and evaluation B ”.

As an evaluation of the implementation status of the repair work of "outer wall, rooftop / balcony", "the repair work of the outer wall and the waterproofing work of the rooftop / balcony are carried out within the specified period, and within the warranty period of the contractor. Therefore, whether or not the contractor has a large-scale repair work defect insurance is evaluated.

As for the evaluation of fire prevention management, smoking management, and security equipment, fire prevention management is "whether there is a management office or disaster prevention center, and a 24-hour management system by shift guards is in place", and smoking management is "management agreement". Or, whether or not smoking is prohibited in places other than the designated place in the detailed rules for use, etc. ", and the security device" The security camera is installed in the common area (including the site) of the condominium, and it works normally. It is evaluated by "whether or not it is done".

In the above description, the evaluation stages of each diagnostic item are displayed in alphabets, but they may be displayed numerically or the evaluation stages may be displayed as they are in points. Further, although the case where a predetermined score is stored in association with the evaluation stage of each diagnostic item has been described, the present invention is not limited to the predetermined score, and a predetermined coefficient may be stored for each evaluation stage of the diagnostic item. The evaluation may not be divided into a plurality of stages, and each evaluation item may be quantified according to the evaluation criteria.

Further, in FIG. 5, as an example, an example in which the predetermined age is 5 years and the upper limit is 25 years is shown. For example, the predetermined age is 1 year, and the evaluation and the score are given every year. You may memorize the correspondence of. In addition, for example, the predetermined building age is not for each regular building age, but for an irregular period such as less than 2 years old, 2 years or more and less than 5 years old, 5 years or more and less than 10 years old. It may be the number of years. The corresponding points may differ depending on the age of the building, and may include cases where the points are the same even if the age of the building is different.

The predetermined points and coefficients that are stored in association with the evaluation stage of each diagnostic item are, for example, the effects of the state of management such as drainage pipes and water supply pipes on damage such as stains and damage as the age of the condominium elapses. For items with a large value, the ratio to the total score can be set to be high, and for items with a small effect of the age of the condominium on damage, the ratio to the total score can be set to be small. In such an aspect, it is possible to more appropriately grasp the evaluation of the insurance target.

The diagnostic evaluation of buildings, etc. can be classified into one of a plurality of stages according to the evaluation criteria provided for each evaluation item. In this way, by evaluating the evaluation of buildings and the like at a plurality of stages according to the evaluation criteria, it is possible to appropriately grasp the evaluation of the insurance target. In addition, for items such as drainage pipes and water supply pipes, where the state of management has a large effect on damage such as stains and damage as the age of the condominium elapses, many evaluation stages are set and the condominium is built. For items for which the passage of years has little effect on damage, if the evaluation stage is set to a small number, the evaluation of the insurance coverage can be grasped more appropriately.

In step S21, the score for each diagnostic item is determined, for example, for item number 001 (regular survey of specific buildings), if the evaluation stage is A and the building age is less than 5 years, "10 points". Is decided. Scores are determined for each diagnostic item, and the scores are totaled (step S22).

Next, information regarding the number of accident occurrences is acquired (step S23). When an accident occurs, for example, a failure occurs in a common area of the condominium and / or an article provided in the common area of the condominium, a trouble occurs due to the failure, a common area of the condominium and / or a common area of the condominium. This includes the occurrence of troubles caused by the articles provided in the parts. More specifically, there are cases such as water leakage from the section-owned part of the condominium to the common area, or a case where a visitor falls and is injured in the entrance hall of the condominium or the like.

In step S23, the information regarding the number of accidents is acquired according to the past accident occurrence status of the common area of the condominium and / or the article provided in the common area of the condominium, in addition to the evaluation criteria regarding the evaluation items. This is because the insurance premium is calculated. Information regarding the number of accidents can be stored in a predetermined data table and stored in the storage unit 13. The number of accidents is the number of accidents that occurred in a predetermined period, for example, two years before the diagnosis date.

FIG. 6 is a diagram showing a data table of the correspondence relationship between the building age and the coefficient for each accident rate according to the embodiment of the present invention. In the data table 60 of the correspondence relationship between the building age and the coefficient for each accident rate, the accident rate 61, the total score 62, and the coefficient 63 are stored in association with each other. The data table 60 is stored in the RAM 12 and the storage unit 13. The accident rate 61 is represented by a numerical value obtained by dividing the number of occurrences in a predetermined period by a predetermined period, for example, two years before the diagnosis date. The total score 62 is the score totaled in step S22.

In step S23, when the information regarding the number of accidents is acquired, the accident rate is determined, and the coefficient is determined by referring to the data table 60 of the correspondence relationship between the building age and the coefficient for each accident rate (step). S24). For example, if an accident occurs 0 times in 2 years before the diagnosis date and the total score is 0, the coefficient 63 is determined to be "1" if the building is less than 5 years old. Next, the insurance premium corresponding to the determined coefficient 63 is determined (step S25), and the process is terminated. The calculated insurance premium may be displayed as the total insurance premium 37 on the input screen 30.

The insurance premium is determined in step S25 by reflecting the discount according to the building evaluation result 34 for the insurance premium calculated based on the target building information 31, other insurance information 33, and the liability information 35. The total insurance premium 37 can be determined by adding the insurance premium calculated based on the officer compensation information 36 to the amount obtained by subtracting the self-pay amount 32 from the premium. Reflecting the discount according to the building evaluation result 34 means, for example, multiplying the points according to the building evaluation result 34 by the discount rate expressed at a rate of 100 points.

In FIG. 6, the accident rate (total number of accidents / period) is classified into categories of greater than 0, 0 and less than 0.02, 0.02 or more and less than 0.07, and 0.07 or more in a predetermined period. Other categories such as every 0.01 may be used. The accident rate may be applied by dividing the total amount of insurance money paid in the predetermined period into categories for each predetermined total amount as the accident rate, instead of the total number of accidents in the above-mentioned predetermined period. Further, the coefficient 63 may store a coefficient corresponding to the age of each year, which explains the mode in which the age of the building is stored in the division of every 5 years. The corresponding coefficient may be different depending on the age of the building, and may be the same even if the age of the building is different.

In the present embodiment, in addition to determining the score according to the evaluation criteria for the predetermined evaluation items, the common area of the condominium and / or the goods provided in the common area of the condominium, or the condominium management association and / Alternatively, an appropriately managed condominium management association can join by determining the insurance premium according to the occurrence of past accidents such as damages incurred by the resident of the condominium who bears the legal liability for damages. With regard to insurance, it will be possible to receive the necessary compensation amount while the insurance premiums are suppressed, and the insurance company will be able to provide appropriate insurance services according to the actual risk situation.

When the total insurance premium is displayed on the input screen 30, the control unit 11 can select the quotation creation button 40 and can create a predetermined quotation. If the application is confirmed by the quotation, it is also possible to select the application form creation button 41 to create the application form.

In the above explanation, the determination of the insurance premium in step S25 is a legal damage to the common area of the condominium and / or the goods provided in the common area of the condominium, or the management association of the condominium and / or the resident of the condominium. It can also be implemented as a mode in which the accident rate, which is the occurrence status of past accidents such as damages incurred by bearing liability, is excluded from the requirements for insurance premium calculation. That is, the insurance premium may be determined in step S25 without executing steps S23 and S24 based on the points aggregated in step S22.

(Structure of insurance premium calculation system)
In the above embodiment, the insurance premium calculation system has been described as being executed by at least one computer device, but the insurance premium calculation system of the present embodiment includes a computer device operated by a user and the computer device. It can also be realized with a server device that can be connected by communication. That is, for example, the input of a predetermined item is executed in the computer device operated by the user, each data table is stored in the server device, and the insurance premium calculation means is executed by the server device. The insurance premium calculation amount as a result of the execution may be transmitted to a computer device operated by the user and displayed. With such an aspect, it is possible to utilize the data obtained by the insurance company requesting an outsourced company such as an apartment manager to carry out a diagnostic evaluation of a building or the like.

The insurance premium calculation system of the present embodiment can appropriately grasp the evaluation of the insurance target by calculating the insurance premium according to the evaluation criteria for the predetermined evaluation items. In addition, by incorporating information on the management status of buildings, etc. into the evaluation of diagnosis of buildings, etc., insurance that is properly managed by the condominium management association is required with the insurance premiums suppressed. It will be possible for insurance companies to receive appropriate compensation amounts and provide appropriate insurance services according to the actual risk situation.

In addition, by evaluating the evaluation items of buildings and the like at a plurality of stages according to the evaluation criteria, it is possible to appropriately grasp the evaluation of the insurance coverage.

In addition to calculating insurance premiums according to the evaluation criteria for a given evaluation item, the common part of the condominium and / or the goods provided in the common part of the condominium, or the management association of the condominium and / or the resident of the condominium. For insurance that is properly managed by the condominium management association, by calculating the insurance premium according to the occurrence situation of past accidents such as damages incurred by the burden of legal liability for damages. It will be possible for insurance companies to receive the necessary compensation amount while the insurance premiums are suppressed, and to provide appropriate insurance services according to the actual risk situation.

1 computer device, 2 communication network, 3 server device, 4 terminal device, 5 game system, 11 control unit, 12 RAM, 13 storage unit, 14 sound processing unit, 15 graphics processing unit, 16 communication interface, 17 interface unit, 18 frame buffer, 19 sound output device, 20 display unit, 21 display screen, 22 external memory, 23 input unit, 30 input screen, 50 data table, 60 data table

Claims (9)

By equipping at least one computer device and providing the common area of the condominium and / or the goods provided in the common area of the condominium, or the condominium management association and / or the resident of the condominium to bear the legal liability for damages. It is a premium calculation system that calculates premiums for insurance that compensates for damages incurred.
Evaluation of the evaluation items for the common area of the condominium and / or the goods provided in the common area of the condominium, or the evaluation of the management status of the goods, at least for the insurance premium calculated based on the liability information for the condominium. An insurance premium calculation system equipped with a premium calculation means for calculating insurance premiums by reflecting points and / or coefficients according to the evaluation of items. The insurance premium calculation system according to claim 1, which includes cases where the evaluation criteria provided for the evaluation items differ depending on the age of the condominium. Evaluation items are at least specific building periodic surveys, building equipment periodic surveys, fire prevention equipment periodic surveys, firefighting equipment inspections, water supply pipe renewal / rehabilitation work, drainage pipe renewal / rehabilitation work, and drainage pipe cleaning work. The premium calculation system according to claim 1 or 2, which is information about one. An evaluation classification means that determines the evaluation by classifying the common area and / or the article of the condominium into one of a plurality of stages according to the evaluation criteria provided for the evaluation items .
The insurance premium calculation system according to any one of claims 1 to 3. As a means of calculating insurance premiums, the common area of the condominium and / or the goods provided in the common area of the condominium, or the condominium management association and / or the resident of the condominium bears the legal liability for damages. The insurance premium calculation system according to any one of claims 1 to 4 , which calculates insurance premiums according to the occurrence of past accidents of damages incurred. By having at least one computer device and the common area of the condominium and / or the goods provided in the common area of the condominium, or the condominium management association and / or the resident of the condominium bear the legal liability for damages. It is a premium calculation method executed in the premium calculation system that calculates the premium in insurance that compensates for damages incurred.
Evaluation of the evaluation items for the common area of the condominium and / or the goods provided in the common area of the condominium, or the evaluation of the management status of the goods, at least for the insurance premium calculated based on the liability information for the condominium. An insurance premium calculation method having a step of calculating an insurance premium by reflecting a score and / or a coefficient according to an evaluation of an item. The insurance premium calculation method according to claim 6 , including the case where the evaluation criteria provided for the evaluation items differ depending on the age of the condominium. Insurance for the common area of the condominium and / or the goods provided in the common area of the condominium, or the insurance that covers the damage incurred by the condominium management association and / or the resident of the condominium by bearing the legal liability for damages. It is an insurance premium calculation program that calculates the premium.
Computer equipment,
Evaluation of the evaluation items for the common area of the condominium and / or the goods provided in the common area of the condominium, or the evaluation of the management status of the goods, at least for the insurance premium calculated based on the liability information for the condominium. An insurance premium calculation program that functions as a premium calculation means for calculating insurance premiums by reflecting points and / or coefficients according to the evaluation of items. The insurance premium calculation program according to claim 8 , which includes cases where the evaluation criteria provided for the evaluation items differ depending on the age of the condominium.

Images