KR102629086B1 - Method for providing insurance product for dementia nursing and apparatus for performing the method - Google Patents

Abstract

The present invention relates to a method for providing a dementia care insurance product and a device for performing this method. The method of providing a dementia care insurance product includes the steps of the insurance service server receiving insurance product request information, the insurance service server providing monthly care cost information based on the care plan, and the insurance service server based on the insurance product request information and care plan. It may include a step of providing a recommended insurance product and a step of the insurance service server providing information about the user's insurance product determined based on the recommended insurance product.

Description

Method for providing insurance product for dementia nursing and apparatus for performing the method}

The present invention relates to a method for providing a dementia care insurance product and a device for performing this method. More specifically, the present invention relates to a method of providing dementia care insurance products to enable users to simply apply for necessary insurance services based on an application on a user device, and a device for performing such method.

There are various channels through which consumers can sign up for insurance. You can compare and sign up for insurance through mobile platforms, the Internet (insurance company direct), phone, or face-to-face with an insurance planner. At this time, short-term insurance and auto insurance, which have simple insurance product structures, can be easily recommended and signed up non-face-to-face through the insurance company's website or mobile platform.

Insurance products are composed of a main contract that includes coverage and numerous special contracts, but the main contract and special provisions that include coverage are limited for insurance products sold through sales channels where insurance consumers directly subscribe to insurance products online. Insurance companies recommend applying only some of the many special contracts so that anyone can sign up in the same form, like ready-made clothes. This ultimately results in results that do not fit the customer's needs and circumstances. Conversely, insurance consumers receive consultation through an insurance planner and sign up for an insurance product to suit their needs and circumstances. At this time, the insurance planner conducts insurance planning using the insurance company's internal intranet system, which is not accessible to insurance consumers. The problem is that if only the customer's needs are satisfied, the insurance company's loss ratio increases, so there are various conditions such as adding special contracts that do not meet the needs of the consumer. Because these conditions exist in the main contract that includes coverage and numerous special contracts, the product structure is quite complex, and it is difficult for insurance planners to design an insurance product that satisfies the customer's needs while satisfying the insurance company's complex product structure. It is difficult for insurance planners to recognize the products and conditions of all insurance companies, and even when designing insurance for insurance consumers, there is a phenomenon in which insurance products are recommended only within the range they know or are familiar with. This phenomenon is because there are many insurance companies, each insurance company has a variety of products, and a single product has hundreds of coverage special contracts. In addition, insurance consumers have the difficulty of predicting dementia that may occur in the future in advance and determining the amount of nursing care needed at the time of onset. Because this is left entirely to the insurance planner, if there is a problem in communication between the insurance consumer and the insurance planner, it is difficult to design insurance that meets the needs of the consumer.

Therefore, there is a need for technology to facilitate the selection and sale of insurance products while adaptively providing them to suit the user's needs.

Related technology includes domestic application 10-2014-0183015.

The purpose of the present invention is to solve all of the above-mentioned problems.

In addition, the purpose of the present invention is to adaptively provide insurance products to the user by enabling the user to compare and select the insurance products needed by the user based on the user's application when signing up for dementia care insurance.

In addition, the purpose of the present invention is to provide various insurance products from various insurance companies through one platform, allowing users to quickly compare and judge insurance products, and to enable planners to sell insurance products non-face-to-face. .

A representative configuration of the present invention to achieve the above object is as follows.

According to an embodiment of the present invention, a method of providing a dementia care insurance product includes steps of an insurance service server receiving insurance product request information, the insurance service server providing monthly care cost information based on a care plan, and the insurance service It may include the step of the server providing a recommended insurance product based on the insurance product request information and the medical care plan, and the step of the insurance service server providing information about the user insurance product determined based on the recommended insurance product. .

Meanwhile, the care plan has different default values set depending on the user's age group, and can be changed in different amounts within different care fee ranges depending on the user age group to which the user is included.

Additionally, the insurance service server can provide information on the future value of medical expenses at the time of onset of dementia as future medical expenses on a graph.

According to another embodiment of the present invention, an insurance service server providing a dementia care insurance product receives insurance product request information, provides monthly care cost information based on a care plan, and provides the insurance product request information and the care plan. Based on the recommended insurance product, it may be implemented to provide a recommended insurance product and provide information about the user's insurance product determined based on the recommended insurance product.

Meanwhile, the care plan has different default values set depending on the user's age group, and can be changed in different amounts within different care fee ranges depending on the user age group to which the user is included.

Additionally, the insurance service server can provide information on the future value of medical expenses at the time of onset of dementia as future medical expenses on a graph.

According to the present invention, when a user subscribes to dementia care insurance, the insurance product can be adaptively provided to the user by allowing the user to compare and select the insurance product required by the user based on the user's application.

In addition, according to the present invention, various insurance products from various insurance companies are provided through one platform, allowing users to quickly compare and judge insurance products, and planners can sell insurance products non-face-to-face.

1 is a conceptual diagram showing an insurance product provision system according to an embodiment of the present invention.
Figure 2 is a conceptual diagram showing a method for determining a user insurance product according to an embodiment of the present invention.
Figure 3 is a conceptual diagram showing an input screen of insurance product request information according to an embodiment of the present invention.
Figure 4 is a conceptual diagram showing a method of setting nursing care costs when severe dementia occurs according to an embodiment of the present invention.
Figure 5 is a conceptual diagram showing a method of checking future medical expenses according to an embodiment of the present invention.
Figure 6 is a conceptual diagram showing a screen for providing recommended insurance product information according to an embodiment of the present invention.
Figure 7 is a conceptual diagram showing a screen for providing recommended insurance product information and adding additional coverage according to an embodiment of the present invention.
Figure 8 is a conceptual diagram showing a method for receiving a placer's proposal for a user insurance product according to an embodiment of the present invention.
Figure 9 is a conceptual diagram showing a placer matching method according to an embodiment of the present invention.
Figure 10 is a conceptual diagram showing a placer matching method according to an embodiment of the present invention.
Figure 11 is a conceptual diagram showing the operation of an insurance service server according to an embodiment of the present invention.
Figure 12 is a conceptual diagram showing an insurance product design method of an insurance service server according to an embodiment of the present invention.

The detailed description of the present invention described below refers to the accompanying drawings, which show by way of example specific embodiments in which the present invention may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention. It should be understood that the various embodiments of the present invention are different from one another but are not necessarily mutually exclusive. For example, specific shapes, structures and characteristics described herein may be implemented with changes from one embodiment to another without departing from the spirit and scope of the invention. Additionally, it should be understood that the location or arrangement of individual components within each embodiment may be changed without departing from the spirit and scope of the present invention. Accordingly, the detailed description described below is not intended to be limited, and the scope of the present invention should be taken to encompass the scope claimed by the claims and all equivalents thereof. Like reference numbers in the drawings indicate identical or similar elements throughout various aspects.

Hereinafter, several preferred embodiments of the present invention will be described in detail with reference to the attached drawings in order to enable those skilled in the art to easily practice the present invention.

Hereinafter, for convenience of explanation, it is assumed that the user is an insurance subscriber. However, the user and the insurance subscriber may be different, and such embodiments may also be included in the scope of the present invention. Hereinafter, planner may be interpreted to include insurance planners.

1 is a conceptual diagram showing an insurance product provision system according to an embodiment of the present invention.

In Figure 1, an insurance product system for recommending and providing insurance products to users online is disclosed.

Referring to FIG. 1, the insurance product system may include an external insurance company server 120, an insurance service server 100, and a user device 140.

The external insurance company server 120 may be implemented to create an insurance product and transmit information about the insurance product to the insurance service server 100. Each of the plurality of external insurance company servers 120 may transmit information about the created insurance product to the insurance service server 100.

The insurance service server 100 may receive insurance product request information from the user device 140 and transmit a matched recommended insurance product to the user device 140 based on the insurance product request information. The user may select one of the recommended insurance products as the user insurance product through the user device 140.

The insurance service server 100 may provide dementia care insurance payment information for user insurance products. The insurance service server can provide information about monthly medical expenses at each point in time according to the subscription amount.

The insurance service server 100 can notify the selection of the user's insurance product to the external insurance company server 120 that provides the user's insurance product, and can connect the user with the insurance service provider to proceed with a contract for the user's insurance product.

Insurance product request information may include information on the insured person and information on monthly costs required in the event of severe dementia. For example, information on the insured person may include date of birth, gender, information on whether the person is seeking insurance for a person with a medical condition, and occupational risk information on the insured person. Information on monthly costs required in the event of severe dementia may be set differently depending on the basic plan, standard plan, and advanced plan.

The user device 140 may transmit insurance product request information to the insurance service server 100 and receive recommended insurance products recommended according to the insurance product request information.

Figure 2 is a conceptual diagram showing a method for determining a user insurance product according to an embodiment of the present invention.

In Figure 2, a procedure for determining a user's insurance product is disclosed.

Referring to Figure 2, the insurance service server receives insurance product request information (step S210).

Insurance product request information may include information on the insured person and information on monthly costs required in the event of severe dementia. For example, information on the insured person may include date of birth, gender, information on whether the person is seeking insurance for a person with a medical condition, and occupational risk information on the insured person. Information on monthly costs required in the event of severe dementia may be set differently depending on the basic plan, standard plan, and advanced plan.

The insurance service server provides information on monthly medical expenses based on the medical care plan (step S220).

The size of the monthly medical expenses set may change over time as the value of money declines. The standard for value decline is set by the National Statistical Office's Consumer Price Price, and monthly medical expenses reflecting the future value at the time selected by the user can be provided based on a graph.

The insurance service server provides recommended insurance products (step S230).

The insurance service server may provide recommended insurance products to the user based on insurance product request information and care plan.

Recommended insurance products are provided considering the payment period and coverage period, and may be provided considering the insurance type (non-renewal type, low-risk terrain, and no-risk terrain).

The insurance service server determines the user's insurance product (step S240).

The insurance service server may determine the user's insurance product through the recommended insurance product or adding coverage to the recommended insurance product.

For example, users can add coverage for dementia diagnosis expenses. Coverage for dementia diagnosis fees can be provided in practical, standard, or premium types for mild dementia diagnosis fees, moderate dementia diagnosis fees, and severe dementia diagnosis fees.

Figure 3 is a conceptual diagram showing an input screen of insurance product request information according to an embodiment of the present invention.

In Figure 3, a screen for receiving insurance product request information is displayed through the user device.

Referring to Figure 3, the user can input user information. Date of birth information and gender information may be entered as user information.

When date of birth information is entered, it is converted into insurance age, and non-subscription, general, etc. may be determined for each user group determined based on insurance age.

If you are in user group 1 (0 to 29 years old), you may not be able to join, if you are in user group 2 (30 to 69 years old), you may not be able to join, and if you are in user group 3 (age 70 or older), you may not be able to join.

Figure 4 is a conceptual diagram showing a method of setting a care plan when severe dementia occurs according to an embodiment of the present invention.

In Figure 4, a method for setting a care plan through a user device is disclosed.

Referring to Figure 4, the dementia care plan M may include a basic plan, a standard plan, and an advanced plan.

The basic plan is a plan that provides on-site nursing care, the standard plan is a plan that provides elderly care facilities, and the advanced plan is a plan that provides elderly care facilities (meals included).

Different plans can be set depending on the user's age. For example, if the user's age is between 30 and 64 years old, options for 300,000 won (basic plan), 500,000 won (standard plan), and 700,000 won (advanced plan) may be provided.

If the user's age is between 65 and 69 years old, options for 300,000 won (basic plan) and 500,000 won (standard plan) may be provided.

Figure 5 is a conceptual diagram showing a method of checking future medical expenses according to an embodiment of the present invention.

In Figure 5, a method of providing information on necessary medical expenses taking into account the time of onset of dementia is disclosed.

Referring to Figure 5, information on nursing costs according to the time of onset of dementia, such as in the 70s, 80s, or 90s, can be provided.

The size of the medical treatment cost of the selected plan considers the value of money that decreases over time based on consumer prices, and information on the monthly medical treatment cost required at the time the user is selected may be provided.

Information about monthly care costs that reflect different future values depending on the user's age may be provided.

As shown on the left side of Figure 5, if the user's age is between 30 and 60 years old, a graph based on the 70s, 80s, and 90s is presented, and the default value may be 80s.

As shown on the right side of Figure 5, if the user's age is between 61 and 75 years old, a graph based on the 80s and 90s is presented, and the default value may be 80s.

Figure 6 is a conceptual diagram showing a method for providing insurance premium comparison results and providing changes to coverage according to an embodiment of the present invention.

Referring to FIG. 6, when information about the medical expenses selected by the user is provided and the change coverage button is pressed, a bottom sheet is created to allow the user to change the amount.

Coverage change limits may be set differently depending on age. For example, if the user's age is 30 to 69 years old, the limit for changing coverage is set to 1 million won, and the unit of change can be set to 100,000 won.

The amount selected according to the care plan is displayed as default, and when you select the Complete Settings button after modifying the amount, you can change it to the selected amount and only show a list of products that can be subscribed to.

The payment period can be set to 10, 20, or 30 years, and the coverage period can be set to 85 or 90 years.

Insurance product types can be divided into three types: standard type, partial surrender refund type, and non-surrender refund type. When an insurance product type is selected, a list of selected products can be created.

Products can be provided sorted in order of cheapness.

Figure 7 is a conceptual diagram showing a screen for providing recommended insurance product information and adding additional coverage according to an embodiment of the present invention.

In Figure 7, a screen for adding recommended insurance product information and additional coverage is displayed.

Referring to (a) of FIG. 7, dementia care expenses (required) can indicate the severe dementia living care funds selected by the user.

The mandatory coverage special contract is a mandatory special contract that must be subscribed to in order to subscribe to the dementia care expenses selected by the user.

Dementia diagnosis fee (mandatory) is subscribed to the minimum value in the case of products that require dementia diagnosis fee subscription. If subscription is not mandatory, the diagnosis fee amount may be displayed as 0 won.

When you press the Add Dementia Diagnosis Fee button, a bottom sheet is created, allowing you to sign up for additional dementia diagnosis fees.

Depending on the insurance company's product structure, the button may not be visible for products that cannot add diagnostic fees (when adding a diagnostic fee requires the user to change the collateral selected).

Referring to (b) of FIG. 7, a coverage addition screen for adding coverage for dementia diagnosis fees (mild dementia diagnosis fee, moderate dementia diagnosis fee, and severe dementia diagnosis fee) is displayed.

Figure 8 is a conceptual diagram showing a method for receiving a placer's proposal for a user insurance product according to an embodiment of the present invention.

In Figure 8, a method for receiving additional suggestions for a user's insurance product through matching with a nearby placer after deciding on a user's insurance product is disclosed.

Referring to FIG. 8, after deciding on the user's insurance product, the user can select a region and receive offers from the placer for other products based on the user's insurance product.

The placer's proposal method includes a single proposal and a group proposal, and a single proposal may be a proposal by one placer, and a group proposal may be a proposal by multiple placers (for example, three people).

A user and a placer can be matched, and the matched placer can provide a proposal to the user. Users can check the insurance products offered by the placer and listen to explanations about the insurance products proposed by the placer through chat with the placer.

The user can subscribe to a user insurance product or an insurance product suggested by the placer according to the placer's suggestion.

Figure 9 is a conceptual diagram showing a placer matching method according to an embodiment of the present invention.

In Figure 9, a method for matching a placer according to a user's request is disclosed.

Referring to FIG. 9, when a user's proposal request comes in, first matching 900 for the placer may be performed.

Primary matching 900 may connect a first critical number of placers (for example, 5 people) in the user's proximity.

If the number of connectable placers is greater than the first critical number, the number of times the connectable placers have been requested to provide the placer's proposed insurance product is compared, and the connection can be given priority as the number of requests for provision is relatively small. Alternatively, the placer to be matched with the user can be determined by considering the consultation evaluation of connectable placers.

If the number of connectable placers is less than the first critical number, matching between the user and the placer can be performed by expanding the range of the nearby area through the nth matching 950.

Connectable placers may be determined by continuously expanding the range of the proximity area, such as the first proximity area, the second proximity area, and the third proximity area.

If the number of placers who have accepted the offer of the placer's proposed insurance product among connectable placers is less than or equal to the second threshold number, connectable placers may be confirmed within the nth proximity area.

The first adjacent area is an area adjacent to the city/county area set by the user in terms of administrative district. The second proximity area is an area that includes the first proximity area of each city/district corresponding to the first proximity area. The third proximity area is an area that includes the first proximity area of each city/district corresponding to the second proximity area.

In addition, according to an embodiment of the present invention, matching methods between different users and placers are defined, such as 1-to-1 matching and 5-to-1 matching, and the number of times the placer is requested to provide an insurance product proposed according to the matching method is They may be counted differently.

Additionally, it is possible for a user to designate and match a specific placer through designated matching.

In the present invention, the matching mode in which the user designates and matches a specific placer through designated matching can be expressed in the term closed mode, and, such as 1:1 matching and 5:1 matching, the user can match the placer without separate designation. The matching method can be expressed in terms of open mode.

According to an embodiment of the present invention, different matching may be possible depending on the grade of the placer. For example, planners can be classified into professional planners, rookie planners, and first planners based on their performance and years of service.

Professional planners can be selected for 1:1 matching, 5:1 matching, and designated planner matching, rookie planners can be selected for 5:1 matching, and designated planner matching, and first planners can be selected for designated planner matching. Can be selected as a target.

Additionally, the user's connection method can be divided into individual connection and group connection depending on the user's settings.

Exclusive connection can be made when the user chooses to receive an exclusive offer in the plan, and only professional planners can be matched exclusively (1:1 matching method). Requests for proposals will be made up to 5 rounds, and proposals can only be sent to one planner per round. Professional planners can be matched through group connection (5:1 matching) and individual connection (1:1 matching) counting separately.

Group linking can be performed when the user selects to receive group suggestions in the plan. Group connection can only match Pro Planners and Rookie Planners. Proposals are requested for up to 5 rounds, and proposals can be sent to 5 planners per round.

If the user enters a designated planner in closed mode, individual connection and group connection can be performed as follows.

In exclusive connection, the primary connection is first connected to the designated planner, and the subsequent connection method may be the same as exclusive matching.

In group connection, 5:1 matching is performed including a designated planner in the first connection, and then the connection method can be performed in the same way as the 5:1 connection method.

In addition, when connecting a planner in the case of high age and accident coverage, if the user sets the notification to not receive group suggestions, an exclusive connection can be made with the designated planner, and if the user sets the notification to receive group suggestions, the designated planner is included. Group matching may be performed.

More specifically, closed and open modes are supported in the insurance product provision system. If the user does not register a recommender (designated planner) during the membership registration stage or deletes it after registration, the insurance product provision system operates in open mode, and individual proposal requests are made to professional planners, group proposal requests are made to professional planners and rookie planners. may be assigned. When a user registers a recommender (designated planner) during the membership registration stage, the insurance product provision system is operated in a closed mode, and only the connection function by the designated planner can be activated.

Under closed mode, if the user sets the group proposal reception function on the app settings screen to 'on', when clicking on an individual proposal, the proposal request for the user's insurance will be assigned priority to the designated planner, and when clicking on group proposal, the request for proposals for the user's insurance will be assigned priority to the designated planner. A request for proposals for user insurance may be sent to ~5 placers.

Figure 10 is a conceptual diagram showing a placer matching method according to an embodiment of the present invention.

In Figure 10, a method for matching a placer according to a user's request is disclosed.

Referring to FIG. 10, the placer can confirm the request for provision of the placer's proposed insurance product and decide whether to accept it.

Placers can check requests for insurance products proposed by placers that are in progress and requests for insurance products proposed by planners that have already been closed.

Placers can provide proposal comments and proposals, and users can review the placer's proposed insurance products.

Figure 11 is a conceptual diagram showing the operation of an insurance service server according to an embodiment of the present invention.

In Figure 11, the insurance service server starts operations to provide insurance services online.

Referring to FIG. 11, the back-end server structure of the insurance service server may include a login and account operation related server 1100, a service server 1120, and an insurance claim calculation server 1140.

The server 1100 related to login and account operations may include a designer app authentication server and a user app authentication server.

The service server 1120 may include a designer server and a user server. The process of determining the above-described recommended insurance product and user insurance product may be performed by the agent server, or a separate user insurance product decision server may perform the process described above in FIGS. 1 to 12.

The insurance payment calculation server 1140 may include a server for each insurance type. For example, the insurance payment calculation server 1120 may include an integrated medical expense server, a death insurance server, a dementia insurance server, and a dental insurance server.

In relation to login, membership registration and withdrawal can be processed through communication between each authentication server (designer app authentication server, user app authentication server) and service server. The authentication server is a server that processes login/logout/membership registration/withdrawal logic. Whether or not a member has registered can be determined through the login/membership registration process of the authentication server. If you have not registered, your membership registration may be processed in conjunction with the authentication server. In the case of a user app, even when signing up while designing an insurance product without logging in, the information registered while designing the product so far exists in both the front-end and back-end, and when registration is made, this information is instantly converted to member information. You can.

The user insurance product determination server may determine the user insurance product by comparing insurance products. The user insurance product decision server can process and compare the conditions for designing insurance products. The process of matching the planer and proceeding with the user's insurance subscription process can be handled by the planner server.

In an embodiment of the present invention, the server may have four types of API (application interface).

The API for general users is an API that provides services to general users.

The design usage API is an API that provides services for placers.

The API for service operation managers is an API for service operation managers.

Inter-server communication API is an API for inter-server communication.

In this process, authentication servers are segmented to enhance security, certain APIs cannot be used by certain users, and access rights are divided and restricted so that only users who use each type of API can use the API.

All servers are virtualized, and this server can be run on a regular web server, and the web server can be run again in a virtual environment.

The platform for recommending insurance products according to an embodiment of the present invention is cross-platform, so implementing the download function is more difficult to implement than typical single OS software. In this process, an authentication problem arises. In the present invention, when an authenticated user first requests a download, the server receives this request, and only then creates a download link and provides it to the users, allowing the user to download the file. It can be implemented.

In particular, the death insurance server can read insurance product-related data organized in xlsx format and convert the insurance product-related data to suit the structure of the service database. The data in the database and the insurance product data organized by humans have different structures, so the insurance product database can be updated periodically by using this software first.

In addition, according to an embodiment of the present invention, insurance products can be directly entered and inserted into the user insurance product provision platform of the present invention from an external insurance company server through the developer API document page. To complement the dashboard, an insurance product input API has been added and can be provided to an external insurance company server.

Figure 12 is a conceptual diagram showing an insurance product design method of an insurance service server according to an embodiment of the present invention.

In Figure 12, a method for an insurance service server to design an insurance product that satisfies underwriting guidelines is disclosed.

Referring to FIG. 12, one insurance product consists of a plurality of (eg, 4 to 20) collaterals (or guarantees, main guarantees). For each of multiple insurance products, the required collateral may change depending on the type of insured person.

It is difficult for general users who do not know much about insurance to reasonably determine the subscription amount for multiple collaterals. Therefore, the insurance service server according to an embodiment of the present invention designs a reasonable insurance product that meets the conditions set based on the rough collateral requirements (or coverage requirements) of the insured user and is not overly expensive, and provides the insurance product on the same line. Information on recommended insurance products can be provided to enable comparison.

Other existing insurance services did not provide same-line comparisons between insurance policies, and had the problem of having to set all values completely new for insurance design.

To design an insurance product, approximately 8 to 50 underwriting guidelines must be satisfied. Underwriting guidelines are rules for including collateral (or coverage) in an insurance product. Additionally, in order for the insurance service server to provide recommended insurance products through an insurance comparison algorithm, as many insurance products as possible must be designed on the same line to enable comparison.

Insurance products currently offered by insurance companies are designed based on different underwriting guidelines. Therefore, an algorithm is needed to design insurance products and compare insurance products by considering the underwriting guidelines for collateral from these different insurance companies.

Currently, on average, two underwriting guidelines must be satisfied per collateral, and these underwriting guidelines not only differ for each insurance company, but also change periodically, and are rules written in natural language. Therefore, depending on what collateral the user subscribes to, the underwriting instructions for collateral are combined and linked, and infinite possibilities for change can occur.

In order to provide a customized insurance product to the user, the insurance service server can design an insurance product to satisfy the underwriting guidelines for each collateral the user wishes to subscribe to.

The insurance service server of the present invention can standardize underwriting guidelines described in natural language of insurance companies according to type and convert them into a single function in order to design insurance products based on underwriting guidelines. When a new type of underwriting instruction is added, the interpreter of the insurance service server can determine the type of the new underwriting instruction and create an underwriting instruction function corresponding to the underwriting instruction.

The insurance service server of the present invention classifies underwriting instructions through an underwriting guideline classification algorithm rather than simply a True False test function, and adjusts the collateral that a user can subscribe to based on dependency information between underwriting instructions and the subscription amount for the user's total collateral. This allows us to design adaptive insurance products for users.

In addition, the insurance service server of the present invention performs a same-line comparison between insurance products by subscribing to the collateral selected by the insured user at the same amount and minimizing the subscription amount for unsecured collateral in order to compare the insurance products on the same line. It can be done.

In addition, even if the same collateral is selected for insurance products created by insurance companies, the composition of collateral varies slightly because the mandatory collateral varies depending on the insurance product. Therefore, if the user sets only the entire subscription amount range rather than determining the subscription amount of all collateral, the insurance service server determines the amount of each of all collateral within the entire subscription amount range to satisfy the underwriting guidelines without violating the excessive threshold. You can.

That is, the insurance service server according to an embodiment of the present invention does not simply process all underwriting instructions as a true false test because the subscription amount of all collateral is not determined, but adaptively adjusts between a plurality of collaterals based on the total subscription amount. While this is done, insurance products can be designed to meet underwriting guidelines.

The insurance service server according to an embodiment of the present invention can use the following algorithm to design insurance products.

The insurance service server can design an insurance product to minimize the subscription of unwanted collateral while satisfying the collateral conditions desired by the insured user. Additionally, the insurance service server can make all detailed conditions of multiple collaterals the same to enable comparison between insurance products on the same line. Additionally, the insurance service server may ensure that each of the plurality of collaterals selected by the user approaches the optimal collateral subscription amount ratio based on a preset optimal collateral subscription amount ratio.

The optimal collateral subscription amount ratio is based on user information, information on existing subscription records for each of multiple collaterals selected by a user group that includes other similar users similar to the user, and information on the importance of key guarantees corresponding to multiple collaterals. It can be decided based on

The similar user group may be a group of users having the same user age group, same user gender, same user occupational risk, etc. as the user. Information about existing subscription records may include information about each of the user insurance product selected by the user and the insurance product proposed by the placer. A first weight is given to collateral included in the user insurance product, a second weight is given to collateral that is not included in the user insurance product but is included by the insurance product proposed by the flasher, and is included in the user insurance product and then flashed. A third weight may be assigned to the collateral changed by the proposed insurance product to determine the optimal collateral subscription amount ratio. The optimal collateral fertilization amount ratio can be determined by assigning collateral weights in the order of the third weight, first weight, and second weight.

Information on the importance of major coverage corresponding to multiple collaterals may be determined by considering major coverage occurrence rate information for diseases corresponding to major coverage, change information in major coverage occurrence ratio, information on changes in major coverage treatment costs, etc.

The insurance service server can design as many insurance products as possible that satisfy the above conditions and underwriting guidelines between multiple collaterals for each insurance company and recommend them as recommended insurance products.

The insurance service server can change and set the combination of subscription amounts of collateral and determine whether the underwriting guidelines are satisfied based on the underwriting guideline tester module to check whether the maximum number of products available for subscription are configured.

The insurance service server may perform an underwriting guideline filtering algorithm to create an insurance product. If the judgment on whether the underwriting guidelines are satisfied is implemented using a true false test, a large number of tests must be performed because the subscription amount for each of the multiple collaterals is not set. Therefore, the insurance service server according to an embodiment of the present invention can be implemented to actively adjust the conditions of the underwriting guideline function to improve performance problems.

For example, it may be assumed that the following underwriting guidelines exist.

1) If the A collateral subscription amount is greater than 5 million Won, B collateral of at least 10 million Won is required.

2) C collateral must be more than B collateral subscription amount.

3). To subscribe to this product, the insurance premium must be more than 30,000 won.

In the above three IINJU guidelines, the collateral subscription amount must be determined in the order A > B > C, so the conditions must be set in the order 1 > 2 > 3. Therefore, in order to determine the operation order of the underwriting guidelines at runtime, the insurance service server can determine whether the underwriting guidelines are satisfied by classifying the underwriting guidelines according to the criteria below and operating the underwriting guidelines in that order.

To perform this judgment, the insurance service server can classify underwriting instructions into three types. The first type of argument guideline is an argument guideline in which all values for determining conditions are initially determined. Type 2 underwriting guidelines are underwriting guidelines that can be determined only when the subscription amount of specific collateral is determined. Type 3 underwriting guidelines are underwriting guidelines that can be determined only after the insurance premium has been determined.

For example, the insurance service server classifies the above three types of underwriting guidelines (Type 1 underwriting guidelines, Type 2 underwriting guidelines, and Type 3 underwriting guidelines) and divides them into Type 1 underwriting guidelines and Type 2 underwriting guidelines. And the insurance product can be designed by determining whether the underwriting guidelines are satisfied in the order of the third type underwriting guidelines.

The embodiments according to the present invention described above can be implemented in the form of program instructions that can be executed through various computer components and recorded on a computer-readable recording medium. The computer-readable recording medium may include program instructions, data files, data structures, etc., singly or in combination. Program instructions recorded on the computer-readable recording medium may be specially designed and configured for the present invention, or may be known and usable by those skilled in the computer software field. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tapes, optical recording media such as CD-ROMs and DVDs, and magneto-optical media such as floptical disks. medium), and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, etc. Examples of program instructions include not only machine language code such as that created by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. A hardware device can be converted into one or more software modules to perform processing according to the invention and vice versa.

In the above, the present invention has been described in terms of specific details, such as specific components, and limited embodiments and drawings, but this is only provided to facilitate a more general understanding of the present invention, and the present invention is not limited to the above embodiments. Anyone with ordinary knowledge in the technical field to which the invention pertains can make various modifications and changes from this description.

Therefore, the spirit of the present invention should not be limited to the above-described embodiments, and the scope of the patent claims described below as well as all scopes equivalent to or equivalently changed from the scope of the claims are within the scope of the spirit of the present invention. It will be said to belong to

Claims (6)

How to provide dementia care insurance products:
An insurance service server receiving insurance product request information;
The insurance service server providing information on monthly medical expenses based on the medical care plan;
providing, by the insurance service server, a recommended insurance product based on the insurance product request information and the medical care plan; and
Including the step of the insurance service server providing information about a user insurance product determined based on the recommended insurance product,
The insurance service server uses an interpreter to standardize underwriting guidelines described in natural language by insurance companies in order to design insurance products based on underwriting guidelines, and generates them as functions,
The insurance service server classifies the underwriting instructions through an underwriting guideline classification algorithm and adjusts the collateral available for subscription by the user based on the dependency information between the underwriting guidelines and the subscription amount for the user's total collateral to adapt for the user. Designing optimal insurance products,
In order to compare insurance products on the same line, the insurance service server subscribes the collateral selected by the insured user at the same amount and minimizes the subscription amount for collateral not selected by the user to ensure that the insurance products are aligned on the same line between insurance products. perform comparisons,
The insurance service server sets each of the plurality of collaterals selected by the user to be close to the optimal collateral subscription amount ratio based on a preset optimal collateral subscription amount ratio,
The optimal collateral subscription amount ratio is based on user information, information on existing subscription records for each of a plurality of collaterals selected by a user group including other similar users similar to the user, and information on the importance of key guarantees corresponding to the plurality of collaterals. A method characterized in that it is determined based on. According to paragraph 1,
The importance information of the main coverage corresponding to the plurality of collaterals is determined by considering the major coverage occurrence ratio information of the disease corresponding to the major coverage, the change information in the major coverage occurrence ratio, and the major coverage treatment cost change information,
The insurance service server designs the maximum number of insurance products that satisfy the underwriting guidelines between multiple collaterals for each insurance company and recommends them as the recommended insurance products,
The insurance service server changes and sets the combination of the subscription amount of the plurality of collaterals, determines whether the underwriting guidelines are satisfied based on the underwriting guideline tester module, and determines whether the maximum number of insurance products that can be subscribed are configured as the recommended insurance products. Check whether
The insurance service server classifies the underwriting instructions into a first type underwriting guideline, a second type underwriting guideline, and a third type underwriting guideline,
The first type underwriting guideline is an underwriting guideline in which all values for determining conditions are initially determined,
The above type 2 underwriting guidelines are underwriting guidelines that can be determined only after the subscription amount of specific collateral is determined,
The third type of underwriting guideline is characterized in that it is an underwriting guideline that can be determined only after the insurance premium is determined. According to paragraph 2,
The care plan has different default values set depending on the user's age group, and is changed to different amounts within different care fee ranges depending on the user age group in which the user is included.
The insurance service server provides information on the future value of medical expenses at the time of onset of dementia as future medical expenses on a graph. The insurance service server that provides dementia care insurance products,
Receive insurance product request information;
Provides information on monthly nursing expenses based on the nursing care plan,
Provide recommended insurance products based on the insurance product request information and the care plan,
Implemented to provide information about the user insurance product determined based on the recommended insurance product,
The insurance service server uses an interpreter to standardize underwriting guidelines described in natural language by insurance companies in order to design insurance products based on underwriting guidelines, and generates them as functions,
The insurance service server classifies the underwriting instructions through an underwriting guideline classification algorithm and adjusts the collateral available for subscription by the user based on the dependency information between the underwriting guidelines and the subscription amount for the user's total collateral to adapt for the user. Designing optimal insurance products,
In order to compare insurance products on the same line, the insurance service server subscribes the collateral selected by the insured user at the same amount and minimizes the subscription amount for collateral not selected by the user to ensure that the insurance products are aligned on the same line between insurance products. perform comparisons,
The insurance service server sets each of the plurality of collaterals selected by the user to be close to the optimal collateral subscription amount ratio based on a preset optimal collateral subscription amount ratio,
The optimal collateral subscription amount ratio is based on user information, information on existing subscription records for each of a plurality of collaterals selected by a user group including other similar users similar to the user, and information on the importance of key guarantees corresponding to the plurality of collaterals. An insurance service server characterized in that it is determined based on . According to clause 4,
The importance information of the main coverage corresponding to the plurality of collaterals is determined by considering the major coverage occurrence ratio information of the disease corresponding to the major coverage, the change information in the major coverage occurrence ratio, and the major coverage treatment cost change information,
The insurance service server designs the maximum number of insurance products that satisfy the underwriting guidelines between multiple collaterals for each insurance company and recommends them as the recommended insurance products,
The insurance service server changes and sets the combination of the subscription amount of the plurality of collaterals, determines whether the underwriting guidelines are satisfied based on the underwriting guideline tester module, and determines whether the maximum number of insurance products that can be subscribed are configured as the recommended insurance products. Check whether
The insurance service server classifies the underwriting instructions into a first type underwriting guideline, a second type underwriting guideline, and a third type underwriting guideline,
The first type underwriting guideline is an underwriting guideline in which all values for determining conditions are initially determined,
The above type 2 underwriting guidelines are underwriting guidelines that can be determined only after the subscription amount of specific collateral is determined,
The third type of underwriting guideline is an insurance service server characterized in that it is an underwriting guideline that can be determined only when the insurance premium is determined. According to clause 5,
The care plan has different default values set depending on the user's age group, and is changed to different amounts within different care fee ranges depending on the user age group in which the user is included.
The insurance service server is characterized in that it provides information on the future value of medical expenses at the time of onset of dementia as future medical expenses on a graph.