JP7204852B1 - Pet insurance assessment support device, pet insurance assessment support system, pet insurance assessment support method - Google Patents

Abstract

Kind Code: A1 To provide a device and a method that can support an assessment of whether or not to accept an application for an insurance contract that compensates for the self-pay portion of a contracted pet insurance by a simple method. Kind Code: A1 A pet insurance assessment support device for supporting an assessment of whether or not to accept an application for an insurance contract that compensates for all or part of the self-pay portion of a contracted pet insurance, the device relating to the rating of the contracted pet insurance. A pet insurance assessment support device comprising a rating search unit for searching information. [Selection drawing] Fig. 1

Description

TECHNICAL FIELD The present invention relates to a pet insurance assessment support device, a pet insurance assessment support system, and a pet insurance assessment support method, and more specifically, to assist assessment of whether or not to accept an application for an insurance contract that compensates for the self-pay portion of contracted pet insurance. The present invention relates to a pet insurance assessment support device, a pet insurance assessment support system, and a pet insurance assessment support method for.

Pet animals such as dogs, cats, rabbits, and livestock such as cows and pigs are irreplaceable to humans. In recent years, while the average lifespan of animals raised by humans has increased significantly, animals are more likely to suffer from some kind of disease during their lifetime, and the increase in medical expenses borne by animal owners has become a problem. . Pet insurance is offered by a variety of companies to help meet the growing costs of medical care for animals.

In the case of human medical expenses, especially in Japan, all citizens are supposed to join public medical insurance such as national health insurance under the universal health insurance system. In Japan's public medical insurance system, in principle, 70% of the medical expenses incurred when a patient uses a medical institution are covered by the medical insurance, and 30% is the responsibility of the patient. In the case of the elderly, the self-pay rate is 10% or 20%.

With the advancement of medical care, medical costs have risen, and some anti-cancer treatments and advanced medical care cost tens of millions of yen. In addition, the burden on the patient may be large. Medical insurance is widely used to cover such high medical costs.

On the other hand, in the case of pets, there is no public medical insurance system in Japan. In addition, veterinary hospitals are free medical care. Therefore, unlike humans, medical fees for each medical procedure are not set, and it is not uncommon for medical expenses to exceed the owner's expectations. The content of pet insurance provided by each company varies, but generally 30% to 70% of the medical expenses are paid as insurance money, and the rest is paid by the patient. In addition, there are many cases where conditions such as upper limits and usage times are set for payment. Therefore, as described above, in a situation where medical expenses for pets are also high, there are increasing cases where compensation by pet insurance is not sufficient.

Therefore, just as companies sell medical insurance that covers the co-payment of public medical insurance for humans, there is a need for additional pet insurance that covers the co-payment for pets. Therefore, it is required to streamline the assessment method of such pet insurance.

Patent Literature 1 discloses a medical assessment support device for supporting medical assessment for determining whether or not an insurance policy application can be accepted, comprising an assessment result prediction unit that predicts an assessment result of the medical assessment using an artificial intelligence model; , based on the prediction result by the assessment result prediction unit, calculating the degree of influence of each factor, which is a criterion for the medical assessment, on the prediction result, and identifying a factor of interest from among the factors based on the degree of influence; Disclosed is a medical assessment support device comprising: a factor specifying unit; and a similar case search unit that searches for information on past insurance contract applications similar in application content to the insurance contract application using the attention factor. It is

Japanese Patent No. 6828209

However, Patent Literature 1 does not disclose a device or method for supporting an assessment of whether or not to accept an application for an insurance contract that compensates for the self-pay portion of the contracted pet insurance.

SUMMARY OF THE INVENTION Accordingly, it is an object of the present invention to provide an apparatus and method that can support the assessment of whether or not to accept an application for an insurance contract that compensates for the self-pay portion of contracted pet insurance in a simple manner.

As a result of intensive studies aimed at solving the above problems, the inventors of the present invention came up with a problem specific to pet insurance. In other words, in the case of a person under a public medical insurance system, when examining an application for insurance that compensates for the copayment, the details of the public medical insurance already contracted and the underwriter of the insurance are examined. do not have to. On the other hand, in the case of pet insurance, if you do not examine what kind of pet insurance you have already contracted (main contract), you will not be able to unexpectedly receive compensation for the copayment of the main contract. may take risks. This is because companies that provide pet insurance vary in business format, scale, management policy, etc., and the examination methods and examination standards for insurance applications are not uniform. This is because there are cases in which insurance is accepted.

Therefore, as a result of further investigation, the inventors of the present invention found that when assessing whether or not to accept an application for insurance that compensates for the co-payment of the main contract pet insurance, the rating information of the main contract pet insurance The present inventors have found that the above problems can be solved by referring to them, and have completed the present invention.

That is, the present invention is the following [1] to [13].
[1] A pet insurance assessment support device that assists in assessing whether or not to accept an application for an insurance contract that compensates for all or part of the co-payment of contracted pet insurance,
A pet insurance assessment support device, comprising: a rating search unit for searching information relating to a rating of the contracted pet insurance.
[2] The pet insurance assessment support device of [1], comprising an underwriting determination unit that determines whether or not to accept underwriting by using the information on the rating of the contracted pet insurance.
[3] The pet insurance assessment support device of [1] or [2], comprising a main contract information search unit that searches for the contracted pet insurance premium and/or self-pay rate.
[4] Provided with a biological information search unit that searches for information on ranking according to breed and/or information on ranking according to age of pets covered by the contracted pet insurance [1] to [3] ] any pet insurance assessment support device.
[5] The pet insurance assessment support device according to any one of [1] to [4], comprising a similar application search unit that searches for information on past applications whose content is similar to that of the insurance contract application.
[6] A contract applicant determination unit that determines whether or not the policyholder of the pet insurance and the applicant of the insurance contract are the same based on the image of the insurance policy of the contracted pet insurance [1] The pet insurance assessment support device according to any one of ~[5].
[7] The pet insurance assessment support device according to [6], comprising an extraction unit that extracts character information about a pet insurance policyholder from the image of the insurance policy of the contracted pet insurance using a trained model.
[8] A pet insurance assessment support system in which the pet insurance assessment support device according to any one of [1] to [7] and a terminal used by an applicant are connected via a network.
[9] A pet insurance assessment support method that is executed by a computer and assists in assessing whether to accept an application for an insurance contract that covers all or part of the out-of-pocket costs of contracted pet insurance, comprising:
A pet insurance assessment support method, comprising a step of retrieving information on a rating of the contracted pet insurance.
[10] The pet insurance assessment support method of [9], comprising an underwriting determination step of determining whether or not underwriting is possible using the information on the rating of the contracted pet insurance.
[11] The pet insurance assessment support method of [9] or [10], comprising a main contract information search step of searching for the insurance premium or self-pay rate of the contracted pet insurance.
[12] The pet insurance assessment support method according to any one of [9] to [11], comprising a biometric information search unit that searches for breeds of pets covered by the contracted pet insurance.
[13] The pet insurance assessment support method according to any one of [9] to [12], comprising a similar application search unit that searches for information on past applications whose content is similar to that of the insurance contract application.

According to the present invention, it is possible to provide, in a simple manner, a device and a method that can assist in assessing whether or not to accept an application for an insurance contract that compensates for the self-pay portion of contracted pet insurance.

It is a block diagram showing one embodiment of the pet insurance assessment support system of the present invention. It is a block diagram showing one embodiment of the pet insurance assessment support device of the present invention. It is a block diagram showing one embodiment of the pet insurance assessment support device of the present invention. It is a block diagram showing one embodiment of the pet insurance assessment support system of the present invention. FIG. 2 is a flow chart diagram showing an example of the flow of a pet insurance assessment support method by the pet insurance assessment support device of the present invention. FIG. 2 is a flow chart diagram showing an example of the flow of a pet insurance assessment support method by the pet insurance assessment support device of the present invention.

<Pet insurance assessment support device>
A pet insurance assessment support device of the present invention is a pet insurance assessment support device for assisting an assessment of whether or not to accept an application for an insurance contract that compensates for the self-pay portion of the contracted pet insurance. It has a rating search unit that searches for information on the rating of the.

[Contracted pet insurance]
The contracted pet insurance in the present invention is pet insurance that has already been underwritten by one's own company or another company and has been contracted with the subscriber. That is, the pet insurance underwritten by the company may be used, or the pet insurance underwritten by another company may be used. Pet insurance covers part of the medical expenses incurred when a pet undergoes treatment at a veterinary hospital, and the pet insurance in the present invention includes any known insurance and is not particularly limited. Pet insurance is provided by non-life insurance companies and by small-amount short-term insurance companies.The amount of minimum capital of the company that provides it, whether it is covered by the Policyholders Protection Corporation, etc. However, the pet insurance in the present invention includes both. Also, with pet insurance, insurance claims can be settled at the veterinary hospital window, and at the veterinary hospital window, the insured person first pays the full amount of medical expenses, and then claims the insurance payment to the insurance company at a later date. There are types, but the pet insurance of the present invention includes both.

[Rating Information]
The information about rating of pet insurance includes rating information of pet insurance and rating information of a pet insurance company that provides the pet insurance. Ratings for pet insurance companies are based on the same standards as ratings for human insurance companies provided by rating agencies such as Standard &Poor's,Moody's, Japan Credit Rating Agency, Rating and Investment Information Center, and Fitch Ratings. ratings based on insurance companies, ratings set based on insurance health indicators such as solvency margin ratio, sales, profit margin (amount), assets, ROA, premium income, loss ratio, expense ratio, income and expenses Ratings based on financial and management indicators such as residual ratios and capital adequacy ratios, ratings based on market positions of insurance companies such as market position, brand power and sales channels, user reviews, past troubles, etc. Ratings based on the evaluation of insurance companies, ratings based on the severity of enrollment screening, and ratings based on whether the company is a non-life insurance company or a small-amount short-term insurance company. Ratings formulated based on indicators set by the company itself may also be used.

The information on the rating of pet insurance may be the rating of the pet insurance product itself. For example, the rating can be based on the self-pay rate of pet insurance, the payment record, the number of years since the start of provision, the insurance premium, and the like.

[Rating Search Department]
The rating search unit searches for information on ratings of contracted pet insurance. A search method is not particularly limited. For example, the processor retrieves information about the rating of contracted pet insurance from a database, a server connected to a network, or the like using a preset program.

The information about the rating may be obtained by searching the Internet, or may be searched from a separately installed database storing the rating information. The database may be provided in the same server or computer as other components of the pet insurance assessment support device, or may be stored in a separate server and connected via a network.

[Insurance contract]
The insurance contract in the present invention is an insurance contract that compensates for all or part of the self-pay portion of the contracted pet insurance. For example, if the contracted pet insurance is pet insurance with a copayment rate of 50%, the insurance contract will cover all or part of that 50%. In the case of an insurance contract that compensates for all of the copayment, the copayment of the medical expenses will be zero yen unless the medical expenses exceed the upper limit of the insurance money.

(Underwriting Decision Department)
After obtaining the necessary information using the pet insurance assessment support device of the present invention, underwriting may be finally assessed by human assessment. is preferably provided. The underwriting determination unit uses the information about the rating of the contracted pet insurance to determine whether or not to accept the application for the insurance contract that compensates for all or part of the copayment of the contracted pet insurance. Information other than the information regarding the rating may be used for the determination. A determination method is not particularly limited. For example, a processor may use a preset program to determine acceptance using information about pet insurance ratings. The judgment result is indicated by, for example, a conclusion such as yes or no, as well as a method of expressing the risk in the case of taking on a step or a numerical value. The underwriting determination unit may include a learned model.

(Main contract information search unit)
Preferably, the pet insurance assessment support device of the present invention further comprises a main contract information search unit. The main contract information search unit searches for the insurance premium and/or self-pay rate of the contracted pet insurance. It may have a function of searching for insurance premiums of contracted pet insurance, a function of searching for self-pay ratios, or a function of searching for both insurance premiums and self-pay ratios. You may have A search method is not particularly limited. For example, the processor retrieves information about the insurance premium or copayment rate of contracted pet insurance from a database, a server connected to a network, or the like using a preset program.

The information on the insurance premiums or the self-pay rate of contracted pet insurance may be obtained by searching the Internet, or may be retrieved from a separately installed database storing information on the insurance premiums or the self-pay rate. The database may be provided in the same server or computer as other components of the pet insurance assessment support device, or may be stored in a separate server and connected via a network.

(Biometric information search unit)
Preferably, the pet insurance assessment support device of the present invention further comprises a biometric information retrieval unit. The biometric information search unit searches for information on ranking according to breed and/or information on ranking according to age of pets covered by the contracted pet insurance. It may have a function of searching for ranking according to breed of pets covered by contracted pet insurance, or may have a function of searching for ranking according to age, It may have a function of searching for ranking according to both breed and age. A search method is not particularly limited. For example, the processor, using a preset program, retrieves information about ranking according to breed and/or ranking according to age of the target pet from a database, a server connected to a network, or the like. Search for information.

The information about the ranking according to the pet breed is the information about the rank or score set for each breed. In general, pets tend to differ in susceptibility to disease, lifespan, cost of disease treatment, etc. according to species and breed. For example, in the case of dogs, it is known that breeds (dog breeds) such as dachshunds, poodles, Shih Tzus, and miniature schnauzers tend to develop a disease called progressive retinal atrophy (PRA). Thus, dog breeds that are highly likely to be affected by a specific disease are called "prone dog breeds," and there are different prone dog breeds for each disease. Therefore, it is preferable to have information on the breed of the pet to be covered when deciding whether or not to accept insurance or when setting insurance premiums. The information about the rank set for each breed is, for example, information about the results of ranking (classifying) the breeds by classifying them according to disease risk or the like. For example, Affenpinscher, Japanese Spitz, Chihuahua, etc. rank A (Class A), Kerry Blue Terrier, Shiba Inu etc. Rank B (Class B), Saluki, Shetland Sheepdog etc. Rank C (Class C), Labrador・Classify retrievers, boxers, etc. as rank D (class D), French bulldogs, bull terriers, etc. as rank E (class E). Alternatively, a score may be set for each breed instead of being classified by rank (class), and the score for each breed may be used as information related to ranking. For example, a low score is set for a breed with a high disease risk, and a high score is set for a breed with a low disease risk. Then, considering other information such as information related to ranking according to age, which will be described later, when the score is high, or when the score exceeds a threshold, it is determined to underwrite. Classification is also possible for mixed-race (hybrid). In the case of mixed breeds, it is possible to classify them according to their parents or related breeds, or further classify mixed breeds according to age, weight, and the like. For example, mixed-breed dogs weighing less than 10 kg are rank A (class A), those weighing 10 kg or more and less than 30 kg are rank C (class C), those of 30 kg or more and less than 45 kg are rank D (class D), and 45 kg. The above are rank E (class E).

The information about the ranking according to the pet's age is the information about the rank or score set for each age. In general, pets tend to be more at risk of contracting diseases as they age. Therefore, it is preferable to have information about the age of the target pet when deciding whether or not to accept insurance or when setting insurance premiums. The information about the rank set for each age is, for example, rank A for 0 to under 3 years old (class A), rank B for 3 to under 5 years old (class B), rank 5 to under 8 years old Examples include C (class C) and rank D (class D) for those aged 8 and over. Also, instead of ranking (classing), a score may be set for each age, and the score for each age may be used as information regarding ranking. For example, low scores are set for ages with high disease risk, and high scores are set for ages with low disease risk. Then, considering other information such as the information on the ranking according to the breed, it is possible to make a decision to accept when the score is high or when the score exceeds a threshold.

The information on the ranking according to breed and/or the ranking according to age of pets covered by the contracted pet insurance may be obtained by searching the Internet, or may be obtained from a separately installed pet. Information on ranking according to breed and/or information on ranking according to age may be retrieved from a stored database. The database may be provided in the same server or computer as other components of the pet insurance assessment support device, or may be stored in a separate server and connected via a network.

(Similar application search section)
Preferably, the pet insurance assessment support device of the present invention further comprises a similar application search section. The similar application search unit searches for information related to past applications whose content is similar to that of the application for the insurance contract. A search method is not particularly limited. For example, a processor searches a database, a server connected to a network, or the like, using a preset program, for information on past applications whose content is similar to that of the application for the insurance contract. Since it serves as a reference for underwriting decisions, it is preferable to be able to also retrieve the results of underwriting decisions for past applications with similar application details.

A past application with similar application content is, for example, an application for an insurance contract and an application for which the species, breed, age, or medical history of the target pet is similar or common, or a contracted pet insurance It is a past application that has some elements in common or similar to the current application, such as a common application.

The information on the past application whose content is similar to that of the application for the insurance contract may be obtained by Internet search, or the information about the past application whose content is similar to that of the application for the insurance contract, which is separately provided, is stored. You can also search from the database The database may be provided in the same server or computer as other components of the pet insurance assessment support device, or may be stored in a separate server and connected via a network.

(Contract Applicant Determination Department)
Preferably, the pet insurance assessment support device of the present invention further comprises a contract applicant determination unit. The contract applicant determination unit determines whether or not the policyholder of the pet insurance and the applicant of the insurance contract are the same based on the image of the insurance policy of the contracted pet insurance. A determination method is not particularly limited. For example, a processor determines whether the applicants are the same using a preset program. Specifically, for example, personal information such as name and address entered by the applicant through a terminal, etc., and personal information such as name and address printed on the image of the contracted pet insurance policy obtained from the applicant. Based on whether or not they match, it is determined whether or not the policyholder of the pet insurance and the applicant of the insurance contract are the same.

(Extraction part)
It is preferable that the pet insurance assessment support device of the present invention further includes an extractor. The extraction unit uses the learned model to extract character information about the policyholder of the pet insurance from the image of the insurance policy of the contracted pet insurance. For example, the extraction unit extracts information such as the name and address of the pet insurance policyholder extracted, and the contract applicant determination unit determines the pet insurance policyholder based on the image of the contracted pet insurance policy. and the applicant of the insurance contract are the same.

Artificial intelligence (AI) is preferable as the trained model. In particular, AI-OCR specialized for OCR function is preferable. Artificial Intelligence (AI) is a software or system that imitates the intellectual work of the human brain on a computer. A computer program, etc., that performs and learns from experience. Artificial intelligence can be either general-purpose or specialized, deep neural networks, convolutional neural networks, logistic regression models, support vector machines, etc., and use publicly available software. can do.

In order to generate a trained model, AI is trained using teacher data. Learning may be either machine learning or deep learning. Deep learning is a development of machine learning, and is characterized by automatically finding feature quantities.

A learning method for generating a trained model is not particularly limited, and publicly available software can be used. For example, DIGITS (the Deep Learning GPU Training System) published by NVIDIA can be used. In addition, for example, learning may be performed by a known support vector machine method disclosed in "Introduction to Support Vector Machine" (Kyoritsu Shuppan) or the like.

Machine learning can be either unsupervised learning or supervised learning, but supervised learning is preferred. The method of supervised learning is not particularly limited, and examples thereof include decision tree, ensemble learning, gradient boosting, and the like. Examples of published machine learning algorithms include XGBoost, CatBoost, and LightGBM.

(Reception means)
The pet insurance assessment support device of the present invention may comprise reception means for receiving input of data. The acceptance method for accepting an image may be any method such as scanning, inputting and transmitting image data, and capturing an image by photographing on the spot.

<Pet insurance assessment support system>
The pet insurance assessment support system of the present invention comprises the above pet insurance assessment support device and a terminal used by a pet insurance applicant, which are connected via a network. Applicants for pet insurance use a device such as a smartphone or tablet to send their name, address, name of contracted pet insurance, details of contract, image of insurance policy, and target pet to the pet insurance assessment support device. Information such as name, breed, age, etc. can be uploaded and entered.

<Pet insurance assessment support method>
The pet insurance assessment support method of the present invention is a pet insurance assessment support method that is executed by a computer and assists in assessing whether or not to accept an application for an insurance contract that compensates for all or part of the co-payment of a contracted pet insurance. and further comprising a step of retrieving information relating to the rating of the contracted pet insurance.
The method and configuration for retrieving the information on the rating of the contracted pet insurance are the same as those described in the above pet insurance assessment support device.

<Embodiment>
An example of an embodiment of a pet insurance assessment support device and a pet insurance assessment support system of the present invention will be described with reference to the drawings.
FIG. 1 is an example of a pet insurance assessment support system 1 of the present invention. In pet insurance assessment support system 1 , pet insurance assessment support device 10 of the present invention is connected to applicant terminal 2 . The pet insurance assessment support device 10 is usually installed in a pet insurance company that wants to assess underwriting of pet insurance.

In FIG. 1, an applicant terminal 2 is a terminal used by a person (user) who applies for pet insurance. Applicant terminal 2 is, for example, a personal computer, a smart phone, a tablet terminal, or the like. The applicant terminal 2 includes a processing unit such as a CPU, a memory/storage unit such as a hard disk, ROM or RAM, a display unit such as a liquid crystal panel, an input unit such as a mouse, keyboard, touch panel, etc., and a communication unit such as a network adapter. consists of

The applicant accesses the pet insurance assessment support device 10 through the network from the applicant terminal 2, and inputs his/her name, address, telephone number, e-mail address, pet name, breed, age, weight, name of contracted pet insurance, Enter and transmit information such as the name of the company that provides the pet insurance and contract details. Also, the applicant takes an image of the insurance policy of the contracted pet insurance with a camera, uploads the image, and transmits the image to the pet insurance assessment support device 10 .

In addition, by accessing the pet insurance assessment support device 10 from the applicant terminal 2, the user can obtain the assessment results as to whether or not the application for the insurance contract to compensate for part or all of the self-pay portion of the contracted pet insurance can be accepted. can be received.

FIG. 2 is an example of the pet insurance assessment support device 10 of the present invention. In this embodiment, the pet insurance assessment support device 10 is configured by a computer, but any device may be used as long as it has the functions of the present invention.

The storage unit is composed of, for example, a ROM, a RAM, a hard disk, or the like. The storage unit stores an information processing program for operating each unit of the pet insurance assessment support device, and particularly stores software for the rating search unit 11 and the like.

The CPU 20 functions as a rating search unit by executing the rating search unit. Further, in this embodiment, a database 41 storing pet insurance rating information is stored in the pet insurance assessment support device. The rating search unit appropriately accesses the database 41 and searches for information on the rating of the contracted pet insurance using the name of the contracted pet insurance entered by the applicant and the name of the company that provides it. The database 41 may be installed separately from the pet insurance assessment assistance device and connected to the pet insurance assessment assistance device via the Internet.

The prediction device of the present invention may include an underwriting determination unit 12 as shown in FIG. The underwriting determination unit 12 determines whether or not to accept an insurance contract that compensates for all or part of the copayment of the contracted pet insurance according to the information on the rating of the contracted pet insurance searched by the rating search unit 11. is a program or software of For example, the underwriting determination unit 12 determines whether or not the underwriting is possible according to the retrieved rating information, and outputs it. Specifically, for example, when the rating of the contracted pet insurance is the highest class, the output result recommending underwriting is generated because the risk is small even if all or part of the self-pay is compensated. In addition, if the rating of the contracted pet insurance is low, it is recommended that the applicant's attributes, the breed and age of the target pet, etc. be taken into account in the assessment, or other information It is also possible to produce an output result that recommends or rejects underwriting after taking into consideration.

A processing operation unit (CPU) 20 accesses the database as appropriate using a program or software related to the rating search unit stored in the storage unit and searches for information on the rating of contracted pet insurance.

The interface unit (communication unit) 30 includes reception means 31 and output means 32, and receives information from the applicant terminal 2 such as name, address, telephone number, e-mail address, pet name, breed, age, weight, contracted pet insurance. , the name of the company that provides the pet insurance, contract details, etc., and an insurance policy image of the contracted pet insurance are received, and the underwriting assessment result is output and transmitted to the applicant terminal 2.

As shown in FIG. 4, the pet insurance assessment support system of the present invention includes a rating information DB (database) 41 that stores information on the rating of contracted pet insurance, and information such as insurance premiums and copayment rates for contracted pet insurance. Stored main contract information DB (database) 42, biometric information DB (database) 43 storing information on breed ranking and age ranking of pets covered by pet insurance, application for insurance contract and application details may have a similar offer information DB (database) 44 that stores information on past offers that are similar to each other.

An example of a flow chart of assessment assistance executed by the pet insurance assessment assistance device of the present invention will be described with reference to FIG.
In addition to the contracted pet insurance, the insurance applicant must submit the applicant information and insurance policy information (image of the insurance policy, etc.) It is transmitted to the assessment support device (step S1). The pet insurance assessment support device acquires applicant information (step S2) and acquires insurance policy information of contracted pet insurance (main contract) (step S3). In this example, it is determined whether or not the policyholder of the main contract (main policyholder) and the applicant of the insurance contract are the same (step S4). Next, the pet insurance assessment support device refers to a database storing rating information of pet insurance and pet insurance companies, and searches for information on rating of contracted pet insurance (step S5). It is determined whether or not it is possible to determine whether or not it can be accepted based on the obtained information on the rating (step S6). If it is possible to mechanically determine whether or not the product can be accepted based on the rating information, the determination of whether or not the product can be accepted is made (step S8). If it is not possible to mechanically determine whether or not the product can be underwritten based on the rating information, the underwriting assessment is performed individually using other information (step S7). After that, the underwriting assessment is completed. Step S6 and subsequent steps may be executed by the pet insurance assessment support device or by a human. When the pet insurance assessment assistance device executes step S6 and subsequent steps, the pet insurance assessment assistance device includes an underwriting determination unit.

Another example of the flow chart of assessment assistance executed by the pet insurance assessment assistance device of the present invention will be described with reference to FIG.
In addition to the contracted pet insurance, the insurance applicant must submit the applicant information and insurance policy information (image of the insurance policy, etc.) It is transmitted to the assessment support device (step S1). The pet insurance assessment support device acquires applicant information (step S2) and acquires insurance policy information of contracted pet insurance (main contract) (step S3). Next, when the extracting unit can extract character information from the image of the insurance policy using the trained model (step S4), it extracts the character information described in the insurance policy, and extracts the character information described in the character information. It is determined whether or not the name of the policyholder (main policyholder) of the contract matches the name of the applicant for the insurance contract (step S5). If the character information cannot be extracted from the image of the insurance policy, the applicant is urged to resend the image of the insurance policy again. Even if the character information about the main policyholder can be extracted from the image of the insurance policy, if the applicant is determined to be different from the main policyholder, the applicant is prompted to resend the applicant information.

After confirming that the applicant for the insurance contract is the same as the main policyholder, the rating search unit searches for information on the rating of the contracted pet insurance (step S6). After that, the main contract information search unit searches for information on the contracted pet insurance premium and self-pay rate (step S7). Next, the biometric information search unit searches for information on ranking according to breed and/or information on ranking according to age of pets covered by contracted pet insurance (step S8). Next, the similar application search unit searches for information on past applications whose content is similar to that of the application for the insurance contract (step S9).
Note that the order of these searches is not particularly limited, and multiple searches may be performed at the same time.

After that, the judging section judges whether or not the underwriting can be assessed mechanically based on the information obtained by the search (step S10). If the underwriting can be assessed mechanically, the determination unit makes a determination about the assessment (step S13). If the underwriting cannot be assessed mechanically, other information is also used to individually assess the underwriting (step S12). Individual underwriting may be performed by humans.

Claims (13)

A pet insurance assessment support device for assisting in assessing whether or not to accept an application for an insurance contract that compensates for all or part of the co-payment of contracted pet insurance,
A pet insurance assessment support device, comprising: a rating search unit for searching information relating to a rating of the contracted pet insurance. 2. The pet insurance assessment support device according to claim 1, further comprising an underwriting decision unit that decides whether or not to accept the pet insurance by using the information about the rating of the contracted pet insurance. 3. A pet insurance assessment support device according to claim 1 or 2, further comprising a main contract information search unit for searching the insurance premium and/or self-pay rate of the contracted pet insurance. 4. The biometric information search unit for searching for information on ranking according to breed and/or information on ranking according to age of pets covered by the contracted pet insurance. The pet insurance assessment support device according to claim 1. 5. The pet insurance assessment support device according to any one of claims 1 to 4, further comprising a similar application search unit that searches for information relating to past applications whose content is similar to that of the application for the insurance contract. Claims 1 to 5, comprising a contract applicant determination unit that determines whether or not the policyholder of the pet insurance and the applicant of the insurance contract are the same based on the image of the insurance policy of the contracted pet insurance. The pet insurance assessment support device according to any one of the preceding items. 7. The pet insurance assessment support device according to claim 6, further comprising an extraction unit for extracting character information about a policyholder of pet insurance from the image of the insurance policy of the contracted pet insurance using a learned model. A pet insurance assessment support system in which the pet insurance assessment support device according to any one of claims 1 to 7 and a terminal used by an applicant are connected via a network. A pet insurance assessment support method executed by a computer for assisting assessment of whether or not to accept an application for an insurance contract that covers all or part of the out-of-pocket costs of contracted pet insurance, comprising:
retrieving information about the rating of the contracted pet insurance;
A pet insurance assessment support method comprising: 10. The pet insurance assessment support method according to claim 9, further comprising an underwriting judgment step for judging whether or not to accept underwriting by using the information on the rating of the contracted pet insurance. 11. The pet insurance assessment support method according to claim 9 or 10, further comprising a main contract information searching step of searching for the insurance premium or self-pay rate of the contracted pet insurance. 12. The pet insurance assessment support method according to any one of claims 9 to 11, further comprising a biometric information search unit for searching breeds of pets covered by said contracted pet insurance. 13. The pet insurance assessment support method according to any one of claims 9 to 12, further comprising a similar application search unit that searches for information on past applications whose content is similar to that of the insurance contract application.

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