TWI785304B - Mutual insurance system and mutual insurance method - Google Patents

Abstract

A mutual insurance system includes a database, a claim settlement subsystem, a premium subsystem, and an underwriting subsystem. The database stores a group insurance register, the claims subsystem reviews the claims application and calculates the general claim amount of the day, and the premium subsystem calculates the daily general claim amount divided by the corresponding effective insured in the group insurance register The total amount is obtained to obtain an apportionment of the current day, and generate multiple premium payment instructions respectively corresponding to the insureds in the group insurance register. The underwriting subsystem deletes the insurance request data that has passed the claim review from the group insurance register at 00:00 on the day following the claim review date, so as to generate and store the updated group insurance register in the database. Thereby, a mutual insurance method of managing mutual insurance can be implemented.

Description

Mutual insurance system and mutual insurance method

The present 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 match the product structure, adopt annual, quarterly, or monthly regular payment methods, and determine each payment rate through actuarial pricing. Furthermore, the payment obligation of the policyholder has nothing to do with the actual claim settlement status of the commodity. 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 becomes a problem to be solved.

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

Therefore, according to an aspect of the present invention, a mutual insurance system is provided, which is applicable to multiple computer devices and includes a database, a claim 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 a plurality of insurance requirements corresponding to a plurality of insureds. The claim settlement subsystem is electrically connected to the database, and performs claim settlement review based on at least one claim settlement data corresponding to at least one of the computer devices, so as to generate a daily general claim amount and a payment claim settlement instruction that pass the claim settlement review, Each claim information corresponds to one of the insureds in the group insurance register.

The premium subsystem is electrically connected to the claim settlement subsystem and the database, and calculates the general claim amount of the day divided by the total number of valid insureds corresponding to the group insurance roster on a daily basis to obtain an apportionment of the day, and generates Multiple premium payment instructions respectively corresponding to the insureds in the group insurance register. The amount corresponding to each premium payment instruction is the apportionment fee, and the upper limit of the apportionment fee corresponding to each insured person is the insured person’s scheduled annual premium minus the insured person’s paid The entry fee, minus a paid contribution for that insured.

The underwriting subsystem is electrically connected to the database and the claim subsystem, and based on the at least one claim data that has passed the claim review and the group insurance register, deletes the claims that have passed the group insurance register from the group insurance register at 00:00 on the day following the claim review date The at least one insured information corresponding to the at least one insured person reviewed is generated and stored in the updated group insurance register of the database.

In some implementation aspects, wherein, initially, the underwriting subsystem checks the claim data according to the claim data respectively from the computer devices and respectively corresponding to the insured persons, so as to Generate a verification list including the insurance information that has been verified successfully, and generate the initial group insurance list based on the verification list and a paid entry fee list, and store the group insurance list in the database . The premium subsystem is electrically connected to the underwriting subsystem to receive the verification list, and perform a corresponding withholding and payment of a payment method corresponding to each of the insurance data in the verification list, so as to generate a fee including deduction The paid accession fee register of the data to be protected is successfully paid, and the amount of the accession fee is equal to the paid accession fee.

In some implementations, wherein the insurance period corresponding to the group insurance register is one year from a start date, the premium subsystem checks each insured person who joins the check register on the start date The corresponding payment method executes corresponding withholding of the joining fee. Within the year, the underwriting subsystem checks the claim data according to the claim data from any one of the computer devices and corresponds to the insured, so as to generate the claim data including the successful verification The checklist of data. The premium subsystem executes the corresponding withholding of the entry fee for the payment method corresponding to the required information in the verification list, so as to generate the paid entry fee list including the successfully withheld the required information. The underwriting subsystem then generates an updated group insurance register based on the verification register and the paid membership register, and stores it in the database.

In some implementations, the premium subsystem calculates each insured in the group insurance list on the last day of the year based on the group insurance list on that day and all the apportioned expenses in the year. The premium difference of the year to be paid by the individual, and a corresponding final payment instruction is generated, and an experience refund of the group insurance is paid after receiving the difference of the annual premium payment of each insured person in the group insurance roster , the annual premium difference of each insured is equal to the predetermined annual premium minus the joining fee, minus the sum of all the apportioned expenses of the insured in that year, the experience of the group insurance The refund is equal to K*(income of premium payable-operating expenses-claim settlement expenses)-accumulated 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.

In some implementation aspects, wherein, when the premium subsystem receives a withdrawal application from one of the computer devices on a withdrawal date, it calculates a payable premium of the insured corresponding to the computer device and A difference in premium paid, and when it is judged that the difference is less than zero, a refund instruction with an amount corresponding to the difference is generated; The minimum of the difference between the total amount of premiums owed and the difference is equal to an overpayment amount, so as to generate an overpayment instruction with an amount corresponding to the overpayment amount. The paid premium is equal to the sum of the joining fee and the apportioned fee of the corresponding insured. According to the withdrawal application, the underwriting subsystem deletes the insurance request data corresponding to the insured in the group insurance register at 00:00 on the day following the withdrawal date, so as 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)-(d).

In step (a), a group insurance register corresponding to a group insurance is stored by the mutual insurance system, and the group insurance register includes multiple insurance requirements corresponding to multiple insureds.

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 daily general claim amount and a payment claim instruction that pass the claim review , each claim information corresponds to one of the insureds in the group insurance register.

In step (c), the mutual insurance system calculates the general claim amount of the day divided by the total number of valid insured persons corresponding to the group insurance roster to obtain an apportioned expense on the day, and generate corresponding group Multiple premium payment instructions of the insured in the insurance register, the amount corresponding to each premium payment instruction is the apportioned expense, and the upper limit of the apportioned expense corresponding to each insured is the insured A scheduled annual premium for a person minus a paid enrollment fee for the insured person, less a contributed contribution for the insured person.

In step (d), the mutual insurance system deletes the at least one claim that has passed the claim audit from the group insurance register at 00:00 on the day following the claim audit date based on the at least one claim that has passed the claim audit and the group insurance register. The at least one insurance information corresponding to an insured person is used to generate and store an updated group insurance register.

In some implementations, the mutual insurance method further includes step (e) before step (a). Initially, the mutual insurance system according to the The data to be protected, and check the data to be protected, so as to generate a check list including the data to be protected that has been successfully checked, and a corresponding one of the data to be protected in the check list The payment method executes corresponding withholding of an accession fee, so as to generate a paid accession fee list including the successfully withheld data to be protected, and the amount of the accession fee is equal to the paid accession fee. In step (a), the mutual insurance system generates and stores the initial group insurance register according to the verification register and the paid membership register.

In some implementation aspects, wherein, in step (a), the insurance period corresponding to the group insurance register is one year from a start date. In step (e), the mutual insurance system performs the corresponding withholding 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 further includes step (f), within the year, the mutual insurance system performs a check on the insurance information according to the insurance information from any one of the computer devices and corresponding to the insured , to generate the verification roster including the information to be protected that has been successfully verified, and perform the corresponding withholding of the joining fee for the payment method corresponding to the information to be protected in the verification roster, so as to generate information including the successfully withheld The paid enrollment fee register of the insured information, and then generate and store an updated group insurance register based on the verification register and the paid enrollment fee register.

In some implementations, the mutual insurance method further includes step (g), the mutual insurance system calculates the mutual insurance system on the last day of the year based on the group insurance register on that day and all the apportioned expenses in the year The balance of premiums to be paid by each insured in the group insurance roster for one year, and a corresponding final payment instruction is generated, and after receiving the difference in premiums paid by each insured in the group insurance roster for that year An experience refund for the group insurance is paid, and the difference in the annual premium payment of each insured is equal to the scheduled annual premium minus the joining fee, minus all the apportioned expenses of the insured within the year The sum of the experience refunds of the group insurance is equal to K*(income of payable premiums-operating expenses-claim settlement expenses)-accumulated losses of the previous N years.

In some implementations, 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, calculating the corresponding computer device A difference between a payable premium and an actually paid premium of the insured, and when it is judged that the difference is less than zero, a refund instruction with an amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, Furthermore, it is determined that the minimum of the difference between the total amount of outstanding premiums and the difference before the withdrawal date is equal to a supplementary payment amount, so as to generate a supplementary collection order with an amount corresponding to the supplementary collection amount. The paid premium is equal to the sum of the joining fee and the apportioned fee of the corresponding insured. The mutual insurance system also deletes the insurance request data corresponding to the insured in the group insurance register at 00:00 on the next day of the exit date according to the withdrawal application, so as to generate and store an updated group insurance register.

The effect of the present invention lies in that: the sub-system of the premium calculates the apportioned expenses of the day on a daily basis, so that the insureds who participate in the mutual insurance only receive it when there is an out-of-risk person applying for a claim (that is, the claim data). The corresponding premium payment notice (that is, the premium payment instruction and the corresponding amount is the apportionment of expenses), therefore, it is not necessary to regularly pay a fixed amount of money like 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 numerals.

Referring to Fig. 1, one embodiment of the mutual insurance system 100 of the present invention is applicable to a plurality of computer devices 91, 92, and includes an underwriting subsystem 1, a claim settlement subsystem 2, a premium subsystem 3, a database 4, And a network service system 5. The computer devices 91 and 92 respectively correspond to a plurality of 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 drawing, FIG. 1 only shows two computer devices 91 and 92 as an example, which is not intended as a limitation on the number.

The mutual insurance system 100 belongs to an insurance company. The network service system 5 provides web services, for example, 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 claim settlement subsystem 2 is electrically connected to the underwriting subsystem 1 and the premium subsystem 3 . The database 4 is electrically connected to the claim settlement subsystem 2 , the underwriting subsystem 1 , and the premium subsystem 3 . Any one of the underwriting subsystem 1, the claim settlement 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. servers, mainframe computers, or other computer equipment, and are electrically connected, for example, with network cables.

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

In step S1, initially, the underwriting subsystem 1 executes a check on the required data according to a plurality of required data from some of the computer devices 91, 92 and corresponding to a plurality of insured persons respectively. verification, so as to generate a verification register including the data to be protected that has been verified successfully. The premium subsystem 3 receives the verification list, and at the beginning of the day, performs a corresponding withholding of a payment method corresponding to each of the required data in the verification list to generate a fee including a successful withholding The paid entry fee register for the required data.

For example, 10,000 insureds are all employees of the same enterprise, and they use their computer devices 91 and 92 to provide 10,000 pieces of information to be insured through the network service system 5 to join the mutual insurance system 100 Mutual insurance provided, such as first-time specific cancer insurance. The underwriting subsystem 1 checks each insured information related to the insured's age, insurance amount, health statement, major claim history, event verification, excluded items, money laundering prevention and so on. For example, if all pass the inspection, the inspection list includes the 10,000 pieces of data to be preserved. For example, each of the required data also includes credit card authorization letter and other information (that is, the payment method), and the adding fee is preset, for example, 50 yuan.

In step S2, the underwriting subsystem 1 generates an initial group insurance register based on the verification register and the paid registration fee register, and stores the group insurance register in the database 4 . The group insurance register includes the insurance requirements corresponding to the insureds, and the insurance period corresponding to the group insurance register is, for example, one year from the start date.

In step S3, within the year, the underwriting sub-insurance system checks the insurance request data from any one of the computer devices 91, 92 and corresponds to the insured person, to generate (that is, update) the check list including the data to be protected that have been successfully checked. The premium subsystem 3 executes the corresponding withholding of the entry fee for the payment method corresponding to the required information in the verification list, so as to generate the paid entry fee list including the successfully withheld information required for protection. The underwriting subsystem 1 then generates an updated group insurance register based on the verification register and the paid membership register, and stores the group insurance register in the database 4 . In other words, after the starting date, any insured person who wants to join the mutual insurance, such as a new employee of the enterprise, must pay the joining fee, such as 50 yuan, on the day of joining.

In step S4, the claim settlement subsystem 2 executes a claim settlement review based on at least one claim settlement data corresponding to at least one of the computer devices 91, 92 to generate a daily general claim amount and a payment claim settlement instruction that pass the claim settlement review , each claim information corresponds to one of the insureds in the group insurance register. For example, the underwriting subsystem 1 records the claim records, non-payment records, special records, advance payment records, medical records, money laundering high risk lists, etc. Review, and sum up all the claims that have passed the claim review on the day to obtain the total claim amount on the day. The payment and claim instruction uses the payment method provided by the corresponding insurance information, for example, to execute the corresponding remittance.

In step S5, the premium sub-system 3 calculates the general claim amount of the day and divides it by the total number of valid insureds corresponding to the group insurance roster to obtain an apportionment of the day, and generates the sums respectively corresponding to the group insurance roster. Multiple premium payment instructions of the insured, the amount corresponding to each premium payment instruction is the apportionment fee, and the upper limit of the appropriation fee is the scheduled annual premium of the insured minus the deduction of the The insured's paid entry fee, minus the insured's paid apportionment fee (excluding the current one). For example, on a certain day in the year, there is only one insured who applies for claims, and the total number of valid insureds corresponding to the group insurance roster is 10,000, assuming that the total claim amount on that day If it is 300,000 yuan, the apportioned cost is equal to 30 yuan (that is, 300,000 yuan/10,000 individuals). Each premium payment instruction executes the corresponding deduction through 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 that has passed the claim review from the group insurance list at 00:00 on the day following the claim review date based on the at least one claim that has passed the claim review and the group insurance register. The at least one insurance information corresponding to the person is generated to generate an updated group insurance register, and the group insurance register is stored in the database 4 . That is to say, the insurance contract of the mutual aid insurance has terminated the validity of 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, 92 on a withdrawal date, calculate a payable amount of the insured corresponding to the computer device 91, 92 A difference between the premium and an actual paid premium, and when it is judged that the difference is less than zero, a refund instruction with an amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, and then decided The minimum of the difference between the previous total amount of unpaid premiums and the difference is equal to an overpayment amount, so as to generate an overpayment instruction whose amount corresponds to the overpayment amount. The paid premium is equal to the sum of the joining fee and the apportioned fee of the corresponding insured. The underwriting subsystem 1 also deletes the insurance request data corresponding to the insured in the group insurance register at 00:00 on the next day of the exit date according to the withdrawal application, so as to generate and store an updated group insurance register. The operation modes of the refund instruction and the supplementary payment instruction are similar to the payment and claim settlement instruction and the premium payment instruction respectively. For example, the calculation of the payable premium is the scheduled annual premium (such as 365 yuan) * (Min (withdrawal effective date, contract termination date) - joining 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 adds insurance.

In step S8, the premium subsystem 3 calculates the amount to be paid by each insured in the group insurance list on the last day of the year, based on the group insurance list on that day and all the apportioned expenses in the year Pay the premium difference for one year, and generate a corresponding final payment instruction, and pay an experience refund for the group insurance after receiving the premium payment difference for each insured person in the group insurance roster for that year. The annual premium difference for each insured is equal to the scheduled annual premium minus the enrollment fee, minus the sum of all of the insured's apportioned charges for that year. The experience refund of the group insurance (that is, the mutual insurance) is equal to K*(income of payable premiums-operating expenses-claim expenses)-accumulated 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 last premium payment order operates similarly to the premium payment order. For example, the scheduled annual premium payment is 365 yuan. Assuming that no insured person is in danger throughout the year, the difference in the annual premium payment is 365 minus 50, which equals 315 yuan. Another example is assuming that one of the insured's apportioned expenses in the whole year is equal to 257 yuan, then the difference in the annual premium payment is 365 minus 50 and 257 equals 58 yuan. The income of the premiums payable refers to the total value of the premiums payable corresponding to the insurance period of each insured person in the year, for example, no one surrenders the policy halfway in the year, and the insurance period of all the insured persons is 365 day, and the premium payable by each insured person for that year is 365 yuan, then the income of the payable premium calculated for the experience refund in that year is 365 yuan multiplied by the total number of insured persons; the K value ranges from 0 to 100% (100% in this example), 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 specially added that step S7 can also be placed between any two adjacent steps between steps S3~S6, or step S3 can also be placed between any two adjacent steps between steps S4~S7. will not affect the implementation and operation of the mutual insurance method. Similarly,

To sum up, the premium subsystem first collects the joining fee from each insured person on the starting date, and calculates the daily payment when at least one insured person submits a claim and passes it. The apportionment of expenses enables the insured who participate in mutual insurance to receive the corresponding payment notice (that is, the instruction to pay the premium and the corresponding amount is the apportionment of expenses) when the insured who participates in the mutual insurance is in danger, and finally on the last day of the year Pay the difference in premiums paid for the year. The mutual insurance system and method not only do not need to pay a fixed amount regularly like conventional insurance, but also implement the mutual insurance to operate under the structure of group insurance, and realize the actual refund by the unique experience of group insurance. Mutual aid circulation increases the incentives for companies to insure their employees, so that the characteristics of negotiable prices and experience refunds for group insurance products can be used to further achieve a new concept of overall risk sharing, so the purpose of the present invention can indeed be achieved.

But the above-mentioned ones are only embodiments of the present invention, and should not limit the scope of the present invention. All simple equivalent changes and modifications made according to the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by the patent of the present invention.

100: Mutual insurance system 1: Nuclear insurance subsystem 2: Claims Subsystem 3: Premium subsystem 4: Database 5: Network 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 implementation manner with reference to the drawings, wherein: 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: Nuclear insurance subsystem

2: Claims Subsystem

3: Premium subsystem

4: Database

5: Network service system

91:Computer device

92:Computer device

Claims (4)

A mutual insurance system, which is applicable to multiple computer devices, and includes: a database storing a group insurance register corresponding to a group insurance, the group insurance register containing a plurality of insured information respectively corresponding to a plurality of insured persons; The claim settlement subsystem is electrically connected to the database, and performs claim settlement review based on at least one claim settlement data corresponding to at least one of the computer devices, so as to generate a daily general claim amount and a payment claim settlement instruction that pass the claim settlement review, Each claim data corresponds to one of the insureds in the group insurance roster; a premium subsystem, electrically connected to the claim subsystem and the database, and calculates the general claim amount of the day divided by the group 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 insureds in the group insurance roster, each premium payment instruction The corresponding amount is the apportionment fee, and the upper limit of the apportionment fee corresponding to each insured person is a predetermined annual premium of the insured person minus a paid entry fee of the insured person, minus the A paid apportionment of the insured; and an underwriting subsystem electrically connected to the database and the claim subsystem, and based on the at least one claim information and the group insurance register that have passed the claim review, on the day following the claim review date Delete the at least one insurance policy corresponding to the at least one insured who has passed the claim review in the group insurance register from zero o'clock, so as to generate and store the updated group insurance register in the database. Initially, the The underwriting subsystem, based on the insurance requirements data from the computer devices and corresponding to the insureds, and the insurance requirements Execute the verification of the materials to generate a verification list including the insured materials that have been verified successfully, and generate the initial group insurance list based on the verification list and a paid entry fee list, and transfer the group insurance The roster is stored in the database, and the premium subsystem is electrically connected to the underwriting subsystem to receive the verification roster, and perform a corresponding withholding for a payment method corresponding to each required information in the verification roster. Joining fee to generate the paid joining fee list including the information to be insured that has been withheld successfully, the amount of the joining fee is equal to the paid joining fee, and the insurance period corresponding to the group insurance list starts from the first starting date In the year of , the premium subsystem will carry out the corresponding withholding of the entry fee for the payment method corresponding to each insured who joined the verification list on the starting date. The system checks the claim data from any one of the computer devices and corresponds to the insured person, so as to generate the check list including the claim data that has been successfully checked, and the premium The sub-system executes corresponding withholding of the entry fee corresponding to the payment method corresponding to the required information in the verification list, so as to generate the paid entry fee list including the successfully withheld information required for protection. The underwriting subsystem Then, based on the verification list and the paid entry fee list, an updated group insurance list is generated and stored in the database. On the last day of the year, the premium subsystem, based on the group insurance list and the Calculate all the apportioned expenses within the year, calculate the difference in annual premiums to be paid by each insured person in the group insurance list, and generate a corresponding final payment instruction, and upon receipt of each insured person in the group insurance list After paying the premium difference of the year to the insured, an experience refund of the group insurance will be paid, each insured The difference of the insurer's annual premium payment is equal to the scheduled annual premium minus the joining fee, minus the sum of all the apportioned expenses of the insured within the year, and the experience refund of the group insurance is equal to K* (Premium Payable Income - Operating Expenses - Claim Expenses) - Accumulated 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 as described in claim 1, wherein, when the premium subsystem receives a withdrawal application from one of the computer devices on a withdrawal date, it calculates a corresponding to the computer device of the insured A difference between the payable premium and an actually paid premium, and when it is judged that the difference is less than zero, a refund instruction with an amount corresponding to the difference is generated, and when it is judged that the difference is greater than or equal to zero, and then decided The minimum of the difference between the total amount of arrears of premiums and the difference before the withdrawal date is equal to a repayment amount, so as to generate a recharge instruction with an amount corresponding to the amount of repayment. The paid premium is equal to the corresponding insured’s The sum of the enrollment fee and the paid apportionment fee. According to the withdrawal application, the underwriting subsystem deletes the insurance request information corresponding to the insured from the group insurance register at 00:00 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) initially, the mutual insurance system uses multiple The data to be protected, and check the data to be protected, so as to generate a check list including the data to be protected that has been successfully checked, and a corresponding one of the data to be protected in the check list The payment method executes the corresponding withholding one join fee to generate including the withholding A paid enrollment fee register of such claim data, the amount of which is equal to a paid enrollment fee, the mutual insurance system for each insured who is added to the check list on the starting date The corresponding payment method executes the corresponding withholding of the joining fee; (b) through the mutual insurance system, according to the verification list and the paid joining fee list, generate and store the initial one-to-one group insurance group insurance list , the group insurance register contains the insurance information corresponding to each of the insureds, and the insurance period corresponding to the group insurance register is one year from the starting date; (c) within that year, the mutual aid The insurance system checks the claim data from any one of the computer devices and corresponds to the insured person, so as to generate the check list including the claim data that has been successfully checked, and Execute corresponding withholding of the entry fee for the payment method corresponding to the required information in the verification list, so as to generate the paid entry fee list including the successfully withheld information required for protection, and then according to the verification register and the registered registration fee paid, generate and store the updated group insurance register; (d) perform claim settlement review through the mutual insurance system based on at least one claim data corresponding to at least one of the computer devices, To generate a daily general claim amount and a payment claim instruction that pass the claim review, and each claim data corresponds to one of the insureds in the group insurance register; (e) calculated daily by the mutual insurance system Divide the general claim amount on the day by the total number of valid insureds corresponding to the group insurance roster to obtain a shared expense on the day, and generate corresponding insureds in the group insurance roster Multiple premium payment instructions of the insurer, the amount corresponding to each premium payment instruction is the apportionment fee, and the upper limit of the apportionment fee corresponding to each insured person is a predetermined annual premium payment of the insured person Subtract the paid entry fee of the insured, and then subtract a paid contribution of the insured; (f) through the mutual insurance system, based on the at least one claim information that has passed the claim review and the group insurance roster, delete the at least one insurance policy corresponding to the at least one insured who has passed the claim review from the group insurance roster at 00:00 on the day following the claim review date, so as to generate and store an updated group insurance roster; and (g) On the last day of the year, the mutual insurance system calculates the yearly payment for each insured in the group insurance list based on the group insurance list on that day and all the apportioned expenses during the year Pay the premium difference, and generate a corresponding final payment instruction, and pay an experience refund for the group insurance after receiving the annual premium payment difference of each insured in the group insurance roster, and each insured The difference between the annual premium payment of the person is equal to the scheduled annual premium minus the joining fee, and then minus the sum of all the apportioned expenses of the insured within the year, and the experience refund of the group insurance is equal to K*( Income of payable premiums - operating expenses - claims expenses) - accumulated 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 method as described in claim 3, further comprising step (h), when the mutual insurance system receives a withdrawal application from one of the computer devices on a withdrawal date, calculating the corresponding computer device The difference between a payable premium and a paid premium of the insured, and when it is judged that the difference is less than When it is zero, a refund instruction with an 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 that the minimum of the total amount of outstanding premiums before the exit date and the difference is equal to a supplement to generate a supplementary payment instruction with an amount corresponding to the supplementary payment amount, the paid premium is equal to the sum of the entry fee and the paid apportionment fee of the corresponding insured, and the mutual insurance system also bases on the withdrawal application , delete the insurance request data corresponding to the insured in the group insurance register from 00:00 on the next day of the withdrawal date, so as to generate and store an updated group insurance register.

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