Insurance buying system and insurance buying method for non-standard insurance policy

Abstract

The invention discloses an insurance buying system and an insurance buying method for a non-standard insurance policy. The insurance buying system comprises the following modules: (1) an insurance buying information issuing module which is used for inputting insurance buying information of an insurance buying customer by a salesman; (2) an inquiry module which is used for transmitting the insurance buying information of the insurance buying information issuing module to the platform; (3) a platform display module which is used for receiving the insurance buying information and transmitting the insurance buying information to each insurance company; (4) a multi-insurance-company scheme and quotation module which is used for each insurance company to receive the insurance buying information, design an insurance scheme and quotation and transmit the insurance scheme and quotation to the platform; and (5) a scheme selection module which is used for receiving the insurance scheme and the quoted price of each insurance company by the salesman, forming an insurance policy after the insurance buying customer selects the insurance scheme and the quoted price, and transmitting the insurance policy to the platform. According to the method, the insurance buying passing rate and the insurance buying efficiency of the non-standard insurance policy can be effectively improved, the workload of salesmen and insurance companies is reduced, the task load of the salesmen is improved, and the insurance policy amount of the insurance companies is improved.

Description

technical field [0001] The invention relates to an insurance application system and method, in particular to an insurance application system and an insurance application method for a non-standard policy. Background technique [0002] A non-standard insurance policy means that the policyholder fails to meet the insurance standards for some reason, and the insurer adopts the method of increasing the premium to sign the contract or directly refuses the insurance. When non-standard body insurance is applied for insurance, it needs inquiry, review and other processes, and usually there will be the following results: normal underwriting, refusal of insurance, premium underwriting, agreed underwriting, delayed underwriting, etc. This has resulted in the cumbersome and time-consuming process of applying for non-standard body insurance, which increases the difficulty of applying for insurance and is not conducive to the smooth development of related businesses of insurance companies....

AI Technical Summary

Problems solved by technology

This has resulted in a cumbersome and time-consuming insurance application process for non-standard body insurance, which increases the difficulty of insurance applicants and is not conducive to the smooth development of related businesses of insurance companies.

[0003] Due to the non-standard nature of non-standard body insurance, this means that there are differences in information between different policyholders, and it cannot be copied in large quantities, and only one-to-one services can be provided

Moreover, due to the different standards of risk control, there are differences in the underwriting lenient of different insurance companies; that is to say, for the same insurance policy, some insurance companies will pass the review, while others will not; what’s more, different insurance companies The quotation plan will also be different

If the salesperson who directly communicates with the policyholder only connects with a certain insurance company, it may cause the policyholder to be unable to apply for insurance, or the insurance company cannot find a suitable non-standard insurance policyholder

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