Online insuring system for life insurance
A technology for life insurance and users, which is applied in the fields of instruments, finance, and data processing applications, and can solve problems such as high insurance premiums
Inactive Publication Date: 2016-11-23
合肥奇也信息科技有限公司
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Problems solved by technology
In the absence of a more detailed mortality risk assessment, premiums generally must be higher for all such policyholders
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[0027] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.
[0028] Such as figure 1 As shown, the present invention provides an online insurance application system for life insurance, including a user client and a central service platform connected through Internet communication, and the central service platform is respectively connected to a server of a public security department, a server of a medical institution, and a server of a transportation department through the Internet.
[0029] The user client includes a user in...
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The invention discloses an online insuring system for life insurance. The online insuring system comprises a user client and a center service platform, wherein the center service platform is connected with a public security department server, a medical institution server and a transport agency server; the user client comprises a user information input module, a file uploading module, an online payment module and a display; a central server comprises an information receiving module, a file receiving module, a user information querying module, a medical information querying module, a driving information querying module, an analyzing and processing module and an insurance policy generating module. According to the online insuring system disclosed by the invention, user basic information and an authorization file are acquired by the user client; the center service platform acquires required information from the public security department server, the medical institution server and the transport agency server according to the user basic information and the authorization file, calculates mortality rates of users and judging whether to accept insurance of the users, so that an insurance provider can provide an insurance rate for customers in a possible shortest time.
Description
technical field [0001] The invention belongs to the technical field of insurance management systems, and relates to an online insurance application system, in particular to an online life insurance application system. Background technique [0002] The life insurance application process can be very complicated and can take a very long time, which creates a barrier to issuing policies. For example, a policy underwriting life insurance may take 6 to 8 weeks or longer, require extensive paperwork, and potentially require blood tests, urine tests, or a medical exam. [0003] With the growing popularity of the Internet, users expect a faster and simpler insurance application process. The time and complexity of the typical insurance application process thus creates a significant barrier to issuing insurance policies. [0004] To speed up the insurance application process, some companies offer an online application process, which can reduce the associated time and complexity. How...
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Login to View More IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 李小伟
Owner 合肥奇也信息科技有限公司