TWI639969B - A risk evaluation system for social group insurance policy - Google Patents

Abstract

The invention discloses a social cluster insurance risk assessment system for assessing the insurance demand of a group during the insurance period, which comprises a data input interface for inputting individual data of the insured; and a database for storing individual data. a query unit, linked to the database, for querying the insurance information of the policyholder; and a processor for calculating the independent premium of each policyholder and generating a feedback according to the group risk factor. If the average risk rate during the insurance period is less than the set value of the risk rate, the group members receive a percentage of the reward. Compared with the prior art, the present invention discloses a risk assessment system, which utilizes the community care method to enable the policyholders to help each other and supervise, thereby reducing the risk of insurance fraud and claims.

Description

 Community Cluster Insurance Risk Assessment System  

The present invention relates to a risk assessment system, and more particularly to a risk assessment system for social insurance.

Xizhi Insurance can be mainly divided into life insurance and product insurance. Life insurance can be subdivided into life insurance, health insurance and accident insurance, while product insurance can be subdivided into automobile and motorcycle insurance, residential fire insurance, property insurance and tourism comprehensive insurance. Different types of insurance.

However, there are still many shortcomings in the current insurance system. The most obvious problems are moral hazard and the adverse selection of the market caused by personal habits. Moral hazard is deliberately concealed and insured if the insured knows that he or she has a high risk, such as taking sickness insurance. Personal living habits also directly affect the proportion of insurance insurance. For example, people who like to drive fast have a higher chance of getting into a car accident, so they have a higher willingness to buy accident insurance; people who like to smoke, drink or stay up late It is prone to physical illness, but there is also a higher willingness to purchase health insurance. Whether it is moral hazard or bad personal habits, it will cause an abnormal increase in the proportion of insurance claims, and directly affect the insurance premiums of all the people. With the increase in insurance premiums, the willingness of the general public to insure will decline, thus creating a vicious circle and causing adverse market choices.

Furthermore, with Fintech's subversive innovations for the insurance industry, "P2P insurance", which was born in response to the Internet and the sharing economy, has gradually sprouted in countries in recent years, such as Guevara in the UK and Friendsurance in Germany. The first P2P insurance startup in the United States, Lemonade, and so on. P2P (peer-to-peer) originally refers to the data sharing technology of users on the computer and individual users. This P2P concept is used in the financial industry. It originated from the "P2P network lending" that originated in the UK in 2005. It is different from the traditional cumbersome procedures for borrowing from banks, and the high cost of lending. P2P lending uses the Internet to directly promote personal lending. With the needs of the lender. The spirit of P2P insurance lies in the use of the community to allow the policyholders to care and supervise each other, so as to reduce the risk of insurance fraud and claims, and to give back to the policyholders due to the reduction of claims.

However, at present, there are few common technologies for community insurance assessment. Therefore, the present invention combines financial technology (Fintech) and community management spirit to propose a risk assessment system designed for social insurance to meet the needs of the current market.

The present invention provides a community cluster insurance risk assessment system for assessing the insurance needs of a group during the insurance period, the group comprising a plurality of policyholders. The risk assessment system of the cluster insurance of the present invention comprises a data input interface, a database, a query unit and a processor. The insurer enters the individual data of the insured from the data input interface and stores it in the database. The enquiry unit is linked to the database and queries each insured's insurance information through the enquiry unit. The processor collects the individual data and the risk data to calculate the independent premium of the insured and the group risk factors of the group, and the group risk factor generates a feedback. If the average risk rate during the insurance period is less than a set value, the group members receive a percentage of the reward.

In practical applications, independent premiums are based on the individual data of each insured and the risk data to calculate a person's risk factors, and individual risk factors generate independent premiums. Group risk factors are calculated based on the average of individual risk factors.

It is worth mentioning that the processor of the present invention can set the risk setting rate of the group according to the group risk factor. When the average risk rate during the insurance period is less than the set value of the risk rate, the group members get a proportion of the reward. When the average risk rate is zero, the return bonus ratio is 100%, and the reward money can be the next discount premium or bonus point.

Compared with the prior art, the present invention proposes a community cluster insurance risk assessment system for assessing the insurance needs of a group, as long as the group personal data is input into the system, the independent premium of each policyholder can be automatically calculated. And the amount of feedback. The spirit of the risk assessment system of the group insurance of the invention is that a major insured person finds an insurance group by friends and relatives who are close to each other, and uses the method of the association to let the insured persons care and supervise each other, thereby reducing insurance fraud and claiming for insurance. The chance. The invention can increase the proportion of the insurance company's superior body (low-risk individual) on the one hand, and on the other hand, the insurance group can obtain the corresponding reward according to the low average risk rate, thereby creating a win-win situation.

1‧‧‧Social Cluster Insurance Risk Assessment System

10‧‧‧Data input interface

20‧‧‧Query unit

30‧‧‧Database

40‧‧‧ processor

50‧‧‧Joint Credit Information Center Statistics Database

60‧‧‧Tangmao Network Database

1 is a functional block diagram of a risk assessment system for cluster insurance of the present invention.

Please refer to FIG. 1. FIG. 1 is a functional block diagram of a risk assessment system 1 for cluster insurance of the present invention. The present invention provides a community cluster insurance risk assessment system 1 for assessing the insurance needs of a group during the insurance period, the group comprising a plurality of policyholders. It includes a data input interface 10, a database 30, a query unit 20, and a processor 40. The insurer inputs the individual data of the insured by the data input interface 10 and stores it in the database 30, the query unit 20 is connected with the database 30, and queries the insurer's risk data through the query unit 20, and the processor 40 will be the individual. After the data and the insurance data are collected, the independent premiums of the policyholders and the group risk factors of the group can be calculated. The group risk factors will generate a feedback. If the average risk rate during the insurance period is less than or equal to the set value of the risk rate, then the group members Get a percentage of the reward.

In a specific embodiment of the present invention, the community cluster mutual insurance group disclosed by the present invention may be composed of a primary insured or a pair of insurers. The main insured person can rely on the knowledge of relatives and friends and risk assessment to find relatives and friends with relatively low risk rate to form an insurance group. The insurer may enter the individual data of the policyholder into the data input interface 10. The data input interface 10 may be a computer software, a mobile application or a website form, but is not limited thereto, and the input data includes the gender and age of each policyholder. The data is stored in the database 30. The database 30 is linked to a query unit 20 for querying the insurance information of each insured person, and the insurance information includes credit information and anecdotal level information. The query unit 20 network connects the joint credit information center 50 and the customs trade network database 60, and queries the credit information of each insured member through the joint credit information center database 50, and queries each through the customs trade network database 60. The item level information of the insured member is stored in the database 30.

The processor 40 is linked to the database 30, and the individual data of each insured person and the insurance information are read by the database 30, and each individual risk factor of each insured person can be generated according to the calculation, and each insured according to individual risk factors The person will generate a separate premium to be paid; at the same time, the processor 40 averages the personal risk factors of each insured person of the group to generate a group of risk factors, wherein the average value can be calculated by arithmetic average method, weighted Average method, geometric mean method, median or mode method, but not limited to this. The significance of the group risk factor is that the insurance group is treated as a body, and a value generated by the individual risk factors is integrated. The processor 40 evaluates a set of risk rate based on the group risk factor and generates a reward. When the average risk rate of this group is less than or equal to the set value of the risk rate during the insurance period, the return ratio can be calculated according to the average risk rate after the end of the insurance contract, and a proportion of the reward is obtained. Conversely, if the average risk rate of the group is greater than the set point of the risk rate during the insurance period, there is no reward. For example, if the average risk rate of this group during the insurance period is zero, then after the insurance contract is over, the whole will receive 100% of the reward, and the ratio of the average risk rate to the reward is determined by the insurance company. Public documents.

Furthermore, in one embodiment of the present invention, the reward for the risk assessment system 1 of the cluster insurance of the present invention is cash feedback, but in other embodiments, the reward may be a premium discount, a purchase price, a bonus. The discount for points, car rentals, airport transfers or other policies is not limited to this.

In another embodiment of the present invention, the risk assessment system 1 of the cluster insurance of the present invention may be a car insurance system, wherein the input individual data includes information such as gender, age, vehicle brand, and age. Among them, the independent premium calculation formula is: independent premium = basic premium × insurance vehicle manufacturing year and rate code coefficient × human factor coefficient, wherein the basic premium is the basic cost of the insurance public based on operating conditions and costs; insured vehicle manufacturing The annual and rate code factors can be formulated by the insurance company. Most insurance companies refer to the "Insured Vehicle Manufacturing Year and Rate Code Coefficient Reference Table" provided by the insurance union to determine the coefficient, based on the individual vehicle's label and the year of manufacture. Corresponding to different coefficients; the human factor coefficient is the insured's age/gender coefficient and the indemnity record coefficient, and the insured's age/gender coefficient is based on the objective criteria set by different age and gender risk ratios, the indemnity record The coefficient is based on the value set by the insured's risk record for the past 5 years. According to the above formula, the individual individual independent premiums of the auto insurance system can be obtained. The personal risk factors are calculated as: personal risk factors = insured vehicle manufacturing year and rate code coefficient × human factor coefficient; and group risk factors are individual risks. The average of the factors. In the embodiment, the auto insurance system is exemplified, but the practical application can be applied to various types of insurance, such as life insurance, accident insurance, health insurance, etc., and is not limited to the embodiment.

The present invention is characterized by utilizing a social cluster risk assessment system to assess the insurance demand of a group during an insurance period. The data input interface 10 is used to input the individual data into the database 30, and the inquiry unit 20 queries the credit information of the group of insured persons to the joint credit center statistical database 50, and queries each from the customs trade network database 60. The insured member's anecdotal level information is calculated by the processor to calculate the individual premiums to be paid by each insured person and the group risk factors integrated by the insured. After the insurance expires, if the average risk rate of the group during the insurance period is less than or equal to the predetermined value of the average risk rate, the reward will be obtained in proportion.

Compared with the prior art, the risk assessment system of the cluster insurance of the invention utilizes the method of community recruitment, and as long as all the insured data is input into the system, the independent premium and the total amount of the reward for each policyholder can be automatically calculated. . The present invention forms an insurance group by the primary insured person looking for friends and relatives with similar risks. The physical condition and habits of the insured person are well known to the main insured, so the screening of the main insured can help avoid morality. The possibility of risk, such as illness insurance, does not inform the insurance company. At the same time, since the group will receive a reward based on the average risk rate when the insurance expires, the group of policyholders will care for each other and supervise each other in order to achieve a common goal (for example, the average risk rate is zero). To achieve the purpose of mutual assistance. In the case of insurance companies, it can effectively avoid moral hazard and increase insurance premiums to avoid adverse market selection and reduce the expected loss rate. This is a win-win situation for both insurance companies and policyholders.

The features and spirit of the present invention will be more apparent from the detailed description of the preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents within the scope of the invention as claimed. Therefore, the scope of the patented scope of the invention should be construed as broadly construed in the

Claims (8)

A community cluster insurance risk assessment system for assessing the insurance demand of a group of sponsored by a major policyholder during an insurance period, the group comprising a plurality of policyholders, comprising: a data input interface, Entering an individual data of each insured person; a database connected to the data input interface for storing the individual data; a query unit connected to the database for inquiring one of each policyholder And stored in the database; and a processor coupled to the database, calculating a personal risk factor of each policyholder based on the individual data and the risk data to generate a corresponding independent premium, and according to the One of the group risk factors to generate a feedback, wherein the risk factor of the group is generated by an average of the individual risk factors; wherein, if the average risk rate of the group during the insurance period is less than or equal to a risk rate When the value is set, the reward is returned to the group in a ratio according to the average risk rate. For example, the risk assessment system of the social cluster insurance described in claim 1 of the patent scope, wherein the average value is one of an arithmetic average method, a weighted average method, a geometric mean method, a median method, and a mode method. . For example, the risk assessment system of the social cluster insurance described in claim 1 , wherein the insurance information includes a credit data and an accident level data, and the query unit network is connected to a joint credit center statistical database and a The customs trade network database is used to query the credit information through the statistical database of the joint credit information center, and to query the accident level information through the customs trade network database. For example, the risk assessment system of the social cluster insurance described in claim 1 of the patent scope, wherein the risk rate setting is calculated based on the risk factors of the group. For example, in the risk assessment system of the social cluster insurance described in claim 1, wherein the average risk rate is zero, the ratio of the reward is 100%. For example, the risk assessment system of the social cluster insurance described in claim 1 wherein the reward is a discount for one of the next premiums or a bonus point. The risk assessment system for social group insurance as described in claim 1, wherein the individual data includes gender and age. The risk assessment system of the social cluster insurance according to claim 7, wherein the individual data further includes vehicle information, each insured only corresponds to one vehicle, and the vehicle information of the vehicle includes a vehicle label and Year of manufacture.