Unlock instant, AI-driven research and patent intelligence for your innovation.

Group insurance application processing method and apparatus

A technology for groups and solutions, applied in the field of financial services, can solve problems such as cumbersome processes, affecting group underwriting, etc., to achieve the effect of improving processing efficiency and eliminating process work

Inactive Publication Date: 2018-08-21
PING AN TECH (SHENZHEN) CO LTD
View PDF0 Cites 2 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides a method and device for group insurance application processing, so as to solve the problems existing in the prior art that the insured company's side process is cumbersome and the failure of individual insureds to pay the premium affects the entire group underwriting

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Group insurance application processing method and apparatus
  • Group insurance application processing method and apparatus
  • Group insurance application processing method and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0060] see figure 1 , is a schematic flowchart of a group insurance processing method provided in Embodiment 1 of the present invention. As shown in the figure, the method may include the following steps:

[0061] Step S101, acquiring the basic plan of the group insurance policy and the upgrade plan of each insured.

[0062] Generally, an insurance company will use an insurance contract to provide insurance protection for several members of the group. A group insurance policy provides policyholders with subsidized medical expenses, pensions and pension plans for members due to illness, disability, death, and retirement.

[0063] In this embodiment, before the insured person selects the required insurance plan, the insurance plan that can be selected by the insured person can be set in the system. The set insurance plans can be divided into two categories, one is the basic plan, and the other is the basic plan. One is the insurance plan.

[0064] Among them, the basic plan r...

Embodiment 2

[0095] see image 3 , is a schematic flowchart of a group insurance processing method provided in Embodiment 2 of the present invention. As shown in the figure, the method may include the following steps:

[0096] Step S301, acquiring the basic plan of the group insurance policy and the upgrade plan of each insured.

[0097] Step S302, judging whether all the basic plans of the group insurance policy are empty, if not, execute step S303, and if yes, execute step S305.

[0098] Step S303, calculating the basic total premium of the group insurance policy according to the basic plan.

[0099] Step S304, deducting the basic total premium from the default group account of the group policyholder of the group insurance policy.

[0100] In step S305, the underwriting process of the group insurance policy is performed according to the basic plan.

[0101] Step S306, according to the upgrade plan of each insured, deduct the corresponding individual payable premium from the preset per...

Embodiment 3

[0106] see Figure 4 , is a schematic block diagram of a group insurance processing device provided in Embodiment 3 of the present invention. As shown in the figure, the device may include:

[0107] The plan acquisition module 401 is used to obtain the basic plan of the group insurance policy and the upgrade plan of each insured;

[0108] A basic total premium calculation module 402, configured to calculate the basic total premium of the group insurance policy according to the basic plan;

[0109] A group account deduction module 403, configured to deduct the basic total premium from the default group account of the group policyholder of the group policy;

[0110] An underwriting module 404, configured to perform underwriting processing of group insurance policies according to the basic plan;

[0111] Personal account deduction module 405, configured to deduct the corresponding individual payable premium from the preset personal account of each insured according to the upgra...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a group insurance application processing method and apparatus. The method comprises the steps of obtaining a basic scheme of a group insurance policy and an upgrading scheme ofeach insured person; according to the basic scheme, calculating a basic total insurance expense of the group insurance policy; deducting the basic total insurance expense from a preset group account of a group insurance applicant of the group insurance policy; according to the basic scheme, performing underwriting processing of the group insurance policy; according to the upgrading scheme of eachinsured person, deducting a corresponding personal payable insurance expense from a preset personal account of each insured person; and according to the upgrading scheme of each insured person, performing underwriting upgrading processing based on the underwritten group insurance policy. Through the method and the apparatus, the separation of group account expense deduction operation and personalaccount expense deduction operation is realized, so that the situation of influence on underwriting of a whole group due to no payment of the individual insured person is avoided; and in addition, thecomplex process work of an enterprise side is removed, so that the group insurance application processing efficiency is improved.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a method and device for group insurance application processing. Background technique [0002] In the existing group insurance business, the group policyholders (enterprises) pay the premiums uniformly. In a general insurance policy, all the insureds pay the same premiums, or they are divided into several levels. The premiums of the insureds in each level All the same, in this mode, group policyholders can pay premiums for the insured, or collect premiums from each insured, and then hand them over to the insurance company uniformly, which is more convenient to operate. However, for self-chosen business, each insured chooses the insurance plan by himself, and the premiums are different. The group policyholders provide each insured with a fixed amount of welfare premiums, or divided into several levels. If The excess part needs to be paid by the insured, and the payment is also di...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q40/08
CPCG06Q40/08
Inventor 陈彬张新宇李平梅王威
Owner PING AN TECH (SHENZHEN) CO LTD