TW202129586A - Mutual insurance system and mutual insurance method including a database, a settlement claiming subsystem, an insurance premium subsystem and an underwriting subsystem - Google Patents

Abstract

Disclosed is a mutual insurance system including a database, a settlement claiming subsystem, an insurance premium subsystem and an underwriting subsystem. The database stores a mass insurance roster; the settlement claiming subsystem audits a settlement claiming request and calculates a total amount of current-day settlement claiming amount; the insurance premium subsystem calculates a current-day share expense by dividing the sum of all the corresponding effective insured in the mass insurance roster by the total amount of current-day settlement claiming amount every day and generates a plurality of insurance premium payment instructions respectively corresponding to the insured in the mass insurance roster; the underwriting subsystem deletes data of the insured passing the settlement claiming audit in the mass insurance roster at the next day of a settlement claiming audit date, so as to generate the updated mass insurance roster stored in the database. Accordingly, the mutual insurance method for managing mutual insurance may be implemented.

Description

Mutual insurance system and mutual insurance method

The invention relates to an insurance system and method, in particular to a mutual insurance system and a mutual insurance method for managing mutual insurance.

Traditional commercial insurance systems usually cooperate with the commodity structure, adopting annual, quarterly, or monthly payment methods, and use actuarial pricing to determine individual payment rates. Furthermore, the payment obligation of the policyholder has nothing to do with the actual claim settlement status of the product. Often when no one is in danger, the policyholder still has to pay a fixed amount on a regular basis. Therefore, whether there are other insurance systems to solve the conventional insurance model has become a problem to be solved.

Therefore, the purpose of the present invention is to provide a mutual insurance system and a mutual insurance method for managing mutual insurance.

Therefore, according to one aspect of the present invention, a mutual insurance system is provided, which is suitable for multiple computer devices and includes a database, a claims settlement subsystem, a premium subsystem, and an underwriting subsystem.

The database stores a group insurance roster corresponding to a group insurance, and the group insurance roster contains multiple insured data corresponding to multiple insured persons. The claims sub-system is electrically connected to the database, and performs a claim review based on at least one claim data corresponding to at least one of the computer devices to generate a prime claim amount and a payment instruction for the day that passed the claim review. Each such claim data corresponds to one of the insured persons in the group insurance roster.

The premium subsystem is electrically connected to the claims subsystem and the database, and calculates the prime claim amount of the day divided by the total number of valid insureds corresponding to the group insurance roster to obtain a share of the cost of the day, and generate Respectively correspond to the multiple premium payment instructions of the insured persons in the group insurance roster. The amount corresponding to each premium payment instruction is the apportionment cost, and the upper limit of the apportionment cost corresponding to each insured person is a predetermined annual premium paid by the insured person minus a paid premium of the insured person Add in expenses, minus a paid share of the insured person's expenses.

The underwriting subsystem is electrically connected to the database and the claims sub-system, and based on the at least one claim information and the group insurance roster that have passed the claims review, delete the group insurance roster from the group insurance roster that has passed the claims at 0:00 on the day after the claim review date The at least one insured data corresponding to the reviewed at least one insured is generated and stored in the updated group insurance roster of the database.

In some implementations, in the initial stage, the underwriting subsystem performs a check on the required information from the computer devices and corresponding to the insured persons, so as to Generate a check list that includes the information to be insured that have been successfully checked, and generate an initial group insurance list based on the check list and a paid-in fee list, and store the group insurance list in the database . The premium subsystem is electrically connected to the underwriting subsystem to receive the check list, and perform corresponding withholding and one-addition fees for each payment method corresponding to each of the insured data in the check list, so as to generate the deduction The amount of the paid-in fee list of the required insurance materials that has been successfully paid is equal to the paid-in fee.

In some implementation aspects, the insurance period corresponding to the group insurance roster is one year from a starting date, and the premium subsystem provides for each insured who joins the inspection roster on the starting date. The execution of the corresponding payment method corresponds to the deduction of the joining fee. Within the year, the underwriting subsystem performs a check on the required information from any of the computer devices and corresponding to the insured to generate the required insurance including the successful verification. The check list of data. The premium subsystem executes the corresponding withholding of the joining fee for the payment method corresponding to the required insurance data in the check list, so as to generate the paid joining fee list including the required insurance information successfully withheld. The underwriting subsystem then generates an updated group insurance roster based on the check roster and the paid-in fee roster, and stores it in the database.

In some implementations, the premium subsystem calculates every insured in the group insurance roster on the last day of the year based on the group insurance roster on that day and all the shared expenses in the year The difference in premiums paid in one year to be paid by the person, and a corresponding final payment instruction is generated, and an experience refund of the group insurance is paid after receiving the difference in premiums paid by each insured in the group insurance list for that year , The difference in premiums paid by each insured person in that year is equal to the scheduled annual premium paid minus the joining fee, minus the sum of all the apportioned expenses of the insured person in the year, the experience of the group insurance The refund is equal to K* (income from premiums payable-operating expenses-claim settlement expenses)-cumulative losses for the previous N years, K is greater than or equal to 0 and less than or equal to 100%, and N is equal to 0 or a positive integer.

In some embodiments, when the premium subsystem receives a withdrawal application from one of the computer devices on a withdrawal day, it calculates the premium payable by the insured person corresponding to the computer device and A difference in the actual premium paid, and when it is judged that the difference is less than zero, a refund instruction corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, the amount before the withdrawal date is determined The smallest of the total outstanding premiums and the difference is equal to a supplementary payment amount to generate a supplementary payment instruction of the amount corresponding to the supplementary payment amount. The actually paid premium is equal to the sum of the corresponding insured's joining fee and the paid apportionment fee. According to the withdrawal application, the underwriting subsystem deletes the insured data corresponding to the insured in the group insurance register from 0:00 on the day following the withdrawal date to generate and store the updated group insurance register in the database. .

Therefore, according to another aspect of the present invention, a mutual insurance method is provided, which is applicable to multiple computer devices and a mutual insurance system, and includes steps (a) to (d).

In step (a), the mutual insurance system stores a group insurance roster corresponding to a group insurance, and the group insurance roster includes multiple insurance data corresponding to multiple insured persons.

In step (b), the mutual insurance system executes a claim review based on at least one claim data corresponding to at least one of the computer devices, so as to generate a prime claim amount of the day that passes the claim review and a payment instruction , Each of the claims data corresponds to one of the insured persons in the group insurance roster.

In step (c), the mutual insurance system calculates the amount of prime compensation for that day divided by the total number of valid insured persons corresponding to the group insurance roster on a daily basis to obtain a share of the cost of the day, and generate a corresponding group There are multiple premium payment instructions of the insured persons in the insurance register, the amount corresponding to each premium payment instruction is the apportionment cost, and the upper limit of the apportionment cost corresponding to each insured is the insured A person’s scheduled annual premium minus the insured’s paid joining fee, and then the insured’s paid apportionment fee.

In step (d), based on the at least one claim data and the group insurance list that have passed the claim review, the mutual insurance system deletes the at least one group insurance list that has passed the claims review from 0:00 on the day after the claim review date. The at least one insured data corresponding to an insured person is used to generate and store the updated group insurance roster.

In some implementation aspects, the mutual insurance method further includes step (e) before step (a). Initially, the mutual insurance system is based on the respective computer devices corresponding to the insured persons. The required information, and the inspection of the required information is performed to generate a check list including the required information that has been successfully checked, and a corresponding one of the required information in the check list The payment method is executed corresponding to the withholding of a joining fee to generate a paid joining fee list including the required insurance materials for which the withholding is successful, and the amount of the joining fee is equal to the paid joining fee. In step (a), the mutual insurance system generates and stores the initial group insurance roster based on the check roster and the paid-in fee roster.

In some implementation aspects, in step (a), the insurance period corresponding to the group insurance roster is one year from a starting date. In step (e), the mutual insurance system performs corresponding deduction of the joining fee for the payment method corresponding to each insured who joined the check list on the starting date. The mutual insurance method also includes step (f). Within the year, the mutual insurance system performs a check on the insurance information from any of the computer devices and corresponding to the insured information. , To generate the inspection roster including the required insurance materials that have been successfully inspected, and execute the corresponding payment method corresponding to the insurance information of the inspection roster to withhold the joining fee, so as to generate including the successful withholding The paid-in fee list of the required insurance information, and then based on the check list and the paid-in fee list, generate and store the updated group insurance list.

In some implementation aspects, the mutual insurance method further includes step (g). On the last day of the year, the mutual insurance system calculates the mutual insurance system based on the group insurance roster on that day and all the shared expenses in the year. The difference in premiums paid in one year for each insured in the group insurance roster, and a corresponding final payment instruction is generated, and after receiving the difference in premiums paid in that year for each insured in the group insurance roster For an experience refund for the group insurance, the difference in premiums paid in that year for each insured person is equal to the scheduled annual premium paid minus the joining fee, minus all the shared expenses of the insured during the year The sum of the experience refunds for the group insurance is equal to K* (income from premiums payable-operating expenses-claims expenses)-accumulated losses in the previous N years.

In some embodiments, the mutual insurance method further includes step (h). When the mutual insurance system receives a withdrawal application from one of the computer devices on a withdrawal date, calculate the corresponding computer device A difference between a premium payable by the insured and an actual premium paid, and when it is judged that the difference is less than zero, a refund instruction of the amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, And then it is determined that the smallest of the total amount of outstanding premiums before the withdrawal date and the difference is equal to a supplementary payment amount, so as to generate a supplementary payment instruction for the amount corresponding to the supplementary payment amount. The actually paid premium is equal to the sum of the corresponding insured's joining fee and the paid apportionment fee. The mutual insurance system also deletes the insured information corresponding to the insured person in the group insurance register from the group insurance register according to the withdrawal application from 0:00 on the day following the withdrawal date, so as to generate and store an updated group insurance register.

The effect of the present invention is that the premium subsystem calculates the apportioned cost on the day every day, so that the insured who participates in the mutual insurance will receive the claim only when one of the insured persons applies for the claim (that is, the claim data) The corresponding payment notice (that is, the premium payment instruction and the corresponding amount is the share of the cost), so it is not necessary to pay a fixed amount on a regular basis, which is necessary for conventional insurance.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same numbers.

Referring to FIG. 1, an embodiment of the mutual insurance system 100 of the present invention is applicable to multiple computer devices 91 and 92, and includes an underwriting subsystem 1, a claims subsystem 2, a premium subsystem 3, and a database 4. And a network service system 5. The computer devices 91 and 92 respectively correspond to multiple users, and are, for example, smart phones, tablet computers, or other computer devices with networking functions. In addition, for the sake of simplicity and clarity of the drawings, FIG. 1 only illustrates two computer devices 91 and 92 as an example, and is not limited to this number.

The mutual insurance system 100 belongs to an insurance company. The network service system 5 provides, for example, a web service to allow the computer devices 91 and 92 to establish connections to access information via the network, and to electrically connect the underwriting subsystem 1 and the premium subsystem 3. The claims sub-system 2 is electrically connected to the underwriting sub-system 1 and the premium sub-system 3. The database 4 is electrically connected to the claims settlement subsystem 2, the underwriting subsystem 1, and the premium subsystem 3. Any one of the underwriting subsystem 1, the claims subsystem 2, the premium subsystem 3, the database 4, and the network service system 5 is, for example, one or more server hosts or cloud servers of the insurance company Device, a mainframe computer, or other computer equipment, and an electrical connection is formed between them, for example, through a network cable.

1 and FIG. 2, FIG. 2 is an aspect of the mutual insurance method implemented by the mutual insurance system 100, and the mutual insurance method includes steps S1 to S8.

In step S1, initially, the underwriting subsystem 1 performs inspections on the insured data based on the insured data from some of the computer devices 91 and 92 and corresponding to the insureds. Check to generate a check list including the required information for successful check. The premium subsystem 3 receives the check list, and on the first day of the integration, executes the corresponding withholding-addition fee for each payment method corresponding to each of the required insurance materials in the check list, so as to generate including the successful withholding The paid-in fee list of the information to be insured shall be added.

For example, 10,000 insured persons belong to employees of the same company, and use their computer devices 91 and 92 to provide 10,000 insured data through the network service system 5 to join the 100 mutual insurance system. A mutual insurance provided, such as insurance for a specific cancer for the first time. The underwriting subsystem 1 checks each insured information related to the insured’s age, insured amount, health statement, major claims history, incident verification, exclusion items, money laundering prevention, etc. For example, if all of them pass the inspection, the inspection list contains the 10,000 items of information to be insured. Each of the required insurance information, for example, also includes information such as a credit card authorization letter (that is, the payment method), and the addition fee is preset, for example, 50 yuan.

In step S2, the underwriting subsystem 1 generates an initial group insurance list based on the check list and the paid-in fee list, and stores the group insurance list in the database 4. The group insurance roster contains the insured data corresponding to the insured persons, and the insurance period corresponding to the group insurance roster is, for example, one year from the starting date.

In step S3, within the year, the underwriting sub-insurance system performs a check on the insured data from any of the computer devices 91, 92 and corresponding to the insured to generate (I.e. update) the check list including the information to be guaranteed successfully checked. The premium subsystem 3 executes the corresponding deduction of the joining fee for the payment method corresponding to the required insurance data in the check list, so as to generate the paid joining fee list including the required insurance information successfully withheld. The underwriting subsystem 1 then generates an updated group insurance list based on the check list and the paid-in fee list, and stores the group insurance list in the database 4. In other words, after the starting date, any insured who wants to join the mutual insurance, such as a new employee of the company, must pay the joining fee, such as 50 yuan, on the day of joining, for example.

In step S4, the claims sub-system 2 performs a claim review according to at least one claim data corresponding to at least one of the computer devices 91 and 92 to generate a prime claim amount and a payment instruction for the day that passed the claim review , Each of the claims data corresponds to one of the insured persons in the group insurance roster. For example, the underwriting subsystem 1 makes a record of the claim settlement, non-payment record, special record, advance payment record, medical appraisal record, money laundering high risk list, etc. of the insured person who is out of risk for each claim data. Review and sum up all the claim amounts that have passed the claim review on that day to obtain the prime claim amount on that day. The payment and claim instruction is, for example, executing the corresponding remittance based on the payment method provided by the corresponding insured information.

In step S5, the premium subsystem 3 calculates the prime compensation amount of the day divided by the total number of effective insureds corresponding to the group insurance roster every day, and obtains a share of the cost of the day, and generates the corresponding group insurance roster. The insured’s multiple premium payment instructions, the amount corresponding to each premium payment instruction is the apportionment cost, and the upper limit of the apportionment cost is the insured’s scheduled annual premium payment minus the deduction The insured’s paid-in fee is subtracted from the insured’s paid apportionment fee (excluding the current time). For example, on a certain day of the year, there is only one insured who filed a claim application, and the total number of valid insureds corresponding to the group insurance roster is 10,000 individuals. Assuming that the prime minister’s compensation amount on that day If it is 300,000 yuan, then the share of expenses is equal to 30 yuan (that is, 300,000 yuan per 10,000 individuals). Each premium payment instruction executes the corresponding deduction based on the payment method (such as credit card authorization letter and other information) contained in the corresponding insurance information.

In step S6, the underwriting subsystem 1 deletes the at least one insured group that has passed the claims review from the group insurance list at midnight on the day following the claim review date based on the at least one claim data and the group insurance list that have passed the claim review The at least one insurance data corresponding to the person is used to generate an updated group insurance roster, and the group insurance roster is stored in the database 4. That is to say, the insurance contract of the mutual insurance has terminated its validity to the insured who is in danger.

In step S7, when the premium subsystem 3 receives a withdrawal application from one of the computer devices 91 and 92 on a withdrawal day, it calculates a payable of the insured person corresponding to the computer devices 91 and 92 A difference between the premium and an actual premium, and when it is judged that the difference is less than zero, a refund instruction corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, it is determined on the withdrawal date The smallest of the previous total outstanding premiums and the difference is equal to a replenishment amount to generate a replenishment instruction of the amount corresponding to the replenishment amount. The actually paid premium is equal to the sum of the corresponding insured's joining fee and the paid apportionment fee. The underwriting subsystem 1 also deletes the insured information corresponding to the insured person in the group insurance register from the group insurance register according to the withdrawal application from 0:00 on the day following the withdrawal date, so as to generate and store an updated group insurance register. The operation of the refund instruction and the supplementary collection instruction is similar to that of the payment settlement instruction and the premium payment instruction, respectively. For example, the calculation of the premium payable is the scheduled annual premium (such as 365 yuan) * (Min (exit effective date, contract termination date)-join date) / (contract termination date-contract effective date). This product (that is, the mutual insurance) is a group insurance. The effective date of the contract is the effective date when the contract is signed, and the joining date is the date when each insured person adds insurance.

In step S8, on the last day of the year, the premium subsystem 3 calculates the payment of each insured person in the group insurance list based on the group insurance list on that day and all the apportioned expenses in the year The premium difference is paid in one year, and a corresponding final payment instruction is generated, and an experience refund of the group insurance is paid after receiving the premium difference of the year for each insured in the group insurance list. The difference in premiums paid by each insured person in that year is equal to the planned annual premium paid minus the joining fee, and then the sum of all the apportioned expenses of the insured person during the year. The experience refund for the group insurance (ie the mutual insurance) is equal to K* (income from premiums payable-operating expenses-claim expenses)-cumulative losses for the previous N years, K is greater than or equal to 0 and less than or equal to 100%, and N is equal to 0 or a positive integer. The operation of the final payment instruction is similar to the operation of the premium payment instruction. For example, the planned annual premium payment is RMB 365. Assuming that no insured is in danger throughout the year, the difference in premiums paid for that year is 365 minus 50, which equals RMB 315. For another example, suppose that one of the insured's apportioned expenses for the entire year is equal to 257 yuan, then the premium payment difference for that year is 365 minus 50 and 257 equals 58 yuan. The income of the premiums payable refers to the total value of the premiums payable by each insured during the insurance period of the year. For example, no one surrenders the insurance during the year, and the insurance period of all the insureds is 365 If the premium payable by each insured person in the year is 365 yuan, the income of the premium payable for the experience refund for that year is 365 yuan multiplied by the total number of insureds; the K value range is 0~ 100% (in this example, 100%), the value of N is an integer greater than or equal to zero (in this example, the first year is 0, the second year is 1, the third year is 2, and so on).

In addition, it should be noted that step S7 can also be placed between any two adjacent steps between steps S3 and S6, or step S3 can also be placed between any two adjacent steps between steps S4 and S7. In the meantime, it will not affect the implementation and operation of the mutual insurance method. Similarly,

In summary, the premium subsystem first collects the joining fee from each insured on the starting date, and when at least one of the insured files a claim every day and passes, calculate the current day’s The cost-sharing allows those insureds who participate in mutual insurance to receive the corresponding payment notice (that is, the payment instruction and the corresponding amount is the cost-sharing) when the insured is out of risk, and finally at the last of the year The difference in premiums paid for that year is paid daily. The mutual insurance system and method not only do not need to pay a fixed amount regularly like conventional insurance, but the implemented mutual insurance is operated in the structure of group insurance, and the experience rebates that are unique to group insurance are used to achieve the essence. Mutual assistance cycle, and increase the incentives for companies to insure their employees, so they can use the characteristics of group insurance products to be negotiated and experience refunds to further achieve a new concept of overall risk sharing, so it can indeed achieve the purpose of cost invention.

However, the above are only examples of the present invention. When the scope of implementation of the present invention cannot be limited by this, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the patent specification still belong to Within the scope covered by the patent of the present invention.

100: Mutual Insurance System 1: Underwriting subsystem 2: Claims Subsystem 3: Premium Subsystem 4: Database 5: Internet service system 91: computer device 92: computer device S1~S8: steps

Other features and effects of the present invention will be clearly presented in the embodiments with reference to the drawings, in which: Figure 1 is a block diagram illustrating an embodiment of the mutual insurance system of the present invention; and Fig. 2 is a flowchart illustrating the mutual insurance method implemented by the embodiment of the mutual insurance system of the present invention.

100: Mutual Insurance System

1: Underwriting subsystem

2: Claims Subsystem

3: Premium Subsystem

4: Database

5: Internet service system

91: computer device

92: computer device

Claims (10)

A mutual insurance system applicable to multiple computer devices and includes: A database, storing a group insurance roster corresponding to a group insurance, and the group insurance roster contains multiple insured data corresponding to multiple insured persons; A claims settlement subsystem, which is electrically connected to the database, and performs a claim review based on at least one claim data corresponding to at least one of the computer devices to generate a prime claim amount on the day that has passed the claim review and a payment instruction , Each of the claim data corresponds to one of the insured persons in the group insurance roster; A premium subsystem, which is electrically connected to the claims sub-system and the database, and calculates daily the prime claim amount of the day divided by the total number of valid insureds corresponding to the group insurance roster to obtain a share of the cost of the day, and Generate multiple premium payment instructions corresponding to the insured persons in the group insurance roster, and the amount corresponding to each premium payment instruction is the apportionment cost, corresponding to the apportionment cost of each insured person The upper limit is a predetermined annual premium paid by the insured person minus a paid joining fee of the insured person, and minus a paid contribution fee of the insured person; and An underwriting subsystem, which is electrically connected to the database and the claims sub-system, and based on the at least one claim data and the group insurance roster that have passed the claims review, delete the approved group insurance roster from 0:00 on the day after the claim review date The at least one insured data corresponding to the at least one insured in the claims review is generated and stored in the updated group insurance roster of the database. The mutual insurance system as described in claim 1, in which: Initially, the underwriting subsystem performs inspections on the required information from the computer devices and corresponding to the insured persons to generate the requirements including the successful inspection. An inspection roster of insurance information, and based on the inspection roster and a paid-in fee roster, an initial group insurance roster is generated, and the group insurance roster is stored in the database, The premium subsystem is electrically connected to the underwriting subsystem to receive the check list, and perform corresponding withholding and one-addition fees for each payment method corresponding to each of the insured data in the check list, so as to generate the deduction The amount of the paid-in fee list of the required insurance materials that has been successfully paid is equal to the paid-in fee. The mutual insurance system according to claim 2, wherein the insurance period corresponding to the group insurance roster is one year starting from a starting date, and the premium subsystem is responsible for each entry in the inspection roster on the starting date. The implementation of the payment method corresponding to the insured person corresponds to the deduction of the joining fee, Within the year, the underwriting subsystem performs a check on the required information from any of the computer devices and corresponding to the insured to generate the required insurance including the successful verification. The check list of data, the premium subsystem executes the payment method corresponding to the required insurance data in the check list to withhold the joining fee to generate the already withheld information including the required insurance data that has been successfully deducted After paying the fee list, the underwriting subsystem generates an updated group insurance list based on the check list and the paid-in fee list, and stores it in the database. Such as the mutual insurance system described in claim 3, wherein the premium subsystem calculates each insurance premium in the group insurance roster on the last day of the year based on the group insurance roster on that day and all the shared expenses in the year 1. The difference in premiums paid in one year to be paid by the insured, and a corresponding final payment instruction is generated, and the group insurance will be paid after receiving the difference in premiums paid in that year for each insured in the group insurance list One experience refund, the difference in premiums paid by each insured person in that year is equal to the scheduled annual premium paid minus the joining fee, minus the sum of all the apportioned expenses of the insured person in the year, the group The experience refund of the insurance is equal to K* (income from premiums payable-operating expenses-claim expenses)-cumulative losses in the previous N years, K is greater than or equal to 0 and less than or equal to 100%, and N is equal to 0 or a positive integer. The mutual insurance system according to claim 4, wherein, when the premium subsystem receives a withdrawal application from one of the computer devices on a withdrawal date, it calculates an insured person’s payment corresponding to the computer device A difference between the premium payable and an actual premium, and when it is judged that the difference is less than zero, a refund instruction of the amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, it is determined The smallest of the total outstanding premiums before the withdrawal date and the difference is equal to a supplementary payment amount to generate a supplementary payment instruction of the amount corresponding to the supplementary payment amount, and the actual premium paid is equal to the corresponding insured’s The sum of the joining fee and the paid apportionment fee, According to the withdrawal application, the underwriting subsystem deletes the insured data corresponding to the insured in the group insurance register from 0:00 on the day following the withdrawal date to generate and store the updated group insurance register in the database. . A mutual insurance method is applicable to multiple computer devices and a mutual insurance system, and includes the following steps: (a) The mutual insurance system stores a group insurance roster corresponding to one group insurance, and the group insurance roster contains multiple insured data corresponding to multiple insured persons; (b) The mutual insurance system executes a claim review based on at least one claim data corresponding to at least one of the computer devices, so as to generate a prime claim amount and a claim settlement instruction on the day that passed the claim review. The claim information corresponds to one of the insured persons in the group insurance roster; (c) By using the mutual insurance system to calculate the amount of the Prime Minister’s compensation for that day divided by the total number of effective insureds corresponding to the group insurance roster on a daily basis, to obtain a share of the cost of the day, and to generate a separate corresponding to the group insurance roster Of the insured’s multiple premium payment instructions, the amount corresponding to each premium payment instruction is the apportionment cost, and the upper limit of the apportionment cost corresponding to each insured person is one of the insured’s The scheduled annual premiums minus a paid-in fee of the insured person, and then minus a paid share fee of the insured person; and (d) Using the mutual insurance system to delete the at least one insured group that has passed the claims review from the group insurance list at midnight on the day after the claim review date based on the at least one claim data and the group insurance list that have passed the claim review The at least one insurance data corresponding to the person to generate and store the updated group insurance roster. As described in claim 6, the mutual insurance method further includes step (e) before step (a). Initially, the mutual insurance system is based on the respective computer devices corresponding to the insured persons. The required information, and the inspection of the required information is performed to generate a check list including the required information that has been successfully checked, and a corresponding one of the required information in the check list The payment method is executed corresponding to withholding a joining fee to generate a list of paid joining fees including the required insurance materials with successful withholding. The amount of the joining fee is equal to the paid joining fee. In step (a), The mutual insurance system generates and stores the initial group insurance roster based on the check roster and the paid-in fee roster. The mutual insurance method according to claim 7, wherein in step (a), the insurance period corresponding to the group insurance register is one year from a starting date, and in step (e), the mutual insurance system For the payment method corresponding to each insured who joined the checklist on the starting date, the joining fee shall be deducted accordingly, The mutual insurance method also includes step (f). Within the year, the mutual insurance system performs a check on the insurance information from any of the computer devices and corresponding to the insured information. , To generate the inspection roster including the required insurance materials that have been successfully inspected, and execute the corresponding payment method corresponding to the insurance information of the inspection roster to withhold the joining fee, so as to generate including the successful withholding The paid-in fee list of the required insurance information, and then based on the check list and the paid-in fee list, generate and store the updated group insurance list. The mutual insurance method described in claim 8 further includes step (g). On the last day of the year, the mutual insurance system calculates the insurance based on the group insurance roster on that day and all the shared expenses in the year. The difference in premiums paid in one year for each insured in the group insurance roster, and a corresponding final payment instruction is generated, and after receiving the difference in premiums paid in that year for each insured in the group insurance roster For an experience refund for the group insurance, the difference in premiums paid in that year for each insured person is equal to the scheduled annual premium paid minus the joining fee, minus all the shared expenses of the insured during the year The sum of the experience refund for the group insurance is equal to K* (income from premiums payable-operating expenses-claims expenses)-cumulative losses for the previous N years, K is greater than or equal to 0 and less than or equal to 100%, and N is equal to 0 or positive Integer. The mutual insurance method according to claim 9, further comprising step (h), when the mutual insurance system receives a withdrawal application from one of the computer devices on a withdrawal day, calculate the corresponding computer device A difference between a premium payable by the insured and an actual premium paid, and when it is judged that the difference is less than zero, a refund instruction of the amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, And then determine that the smallest of the total amount of premiums outstanding before the withdrawal date and the difference is equal to a replenishment amount, to generate a replenishment instruction of the amount corresponding to the replenishment amount, and the actual premium is equal to the corresponding The total sum of the insured’s joining fee and the paid apportionment fee, the mutual insurance system will also delete the required insurance from the group insurance list corresponding to the insured person from the group insurance list according to the withdrawal application Data to generate and store the updated group insurance roster.

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