Disaster resilience insurance support system, contract form thereof, and contract management method

Abstract

To provide an insurance including visualization means, insurance rate determination means, database means, accumulated risks recognition means, prefecture-based data file means, QR code generation means, and user confirmation means for complementing a fire insurance that ensures security against flood damages, and a contract management method for the insurance.SOLUTION: A server device displays, on a website, an icon of an ensured item that ensures a house, a water failure, and a power failure, confirms a location of a house of a user from a quote request and determines an insurance rate, makes a database of an application form of the insurance, summarizes area-based and ensured item-based insurance amounts, makes accumulated risks recognizable, generates an insurance policy QR code which is a QR code of an insurance policy on which a QR code of an insurance clause is displayed, and sends the insurance policy QR code to a user terminal. The user terminal attaches an image file of a My Number Card of the user to the application form, and saves the received insurance policy QR code on a cloud such that information on the contract is shared with a relative living together.SELECTED DRAWING: Figure 10

Description

[Technical field]

[0001] The present invention relates to product design and underwriting risk management by insurers in the field of disaster insurance, and contract management for policyholders. [Background technology]

[0002] Geographically, Japan has many mountainous areas and many steep slopes. As a result, rivers have a steep gradient from upstream to downstream and are short distances to the sea, so when heavy rain occurs, the water level rises rapidly and the risk of flooding increases in a short period of time.

[0003] In recent years, the effects of global warming have led to frequent floods and landslides caused by abnormal weather such as linear rain bands across Japan. In addition, water outages and power outages have also occurred in many areas. As a result, the total amount of insurance payments made by non-life insurance companies for fire insurance (comprehensive home insurance) that covers flood damage exceeded 1 trillion yen for two consecutive years in 2018 and 2019.

[0004] The declining birthrate and aging population are leading to depopulation in certain areas. In addition, the number of vacant houses is increasing, and the proportion of elderly single-person households and people with dementia is also on the rise. In general, many homeowners are elderly. When elderly people become victims of natural disasters, it is difficult for them to clean up after the disaster.

[0005] Fire insurance (comprehensive home insurance) and fire mutual aid insurance are sold to cover homes and belongings against natural disasters such as floods and winds, but in recent years, the proportion of insurance and mutual aid payments due to floods has been greater than that due to fires, and the frequency of such payments is also increasing.

[0006] In recent years, with the spread of smartphones, QR codes (registered trademark) are often used in everyday life as a means of providing information, such as in advertising media.

[0007] While digitalization has led to an increase in online contracts and online shopping, which have become more convenient, it has also led to an increase in fraud and other problems, such as impersonation, which occur without meeting face-to-face.

[0008] Patent Document 1 describes an information processing device, method and program for setting insurance premiums for each property location based on property data according to flood risk classification.

[0009] Patent Document 2 describes a disaster risk management method that can integrate the results of disaster risk assessment for buildings to provide a consistent service including disaster risk assessment, rating, disaster insurance, and post-disaster recovery guarantee. [Prior art documents] [Patent documents]

[0010] [Patent Document 1] JP 2021-124866 A [Patent Document 2] JP 2005-25292 A Summary of the Invention [Problem to be solved by the invention]

[0011] Currently available fire insurance (comprehensive home insurance) that covers residential buildings and belongings against flood damage has the following problems: (1) Generally, flooding under the floor is not covered by insurance. In addition, water outages and power outages are not covered. (2) The scope of coverage is broad, covering not only fire but also rupture, explosion, lightning, wind damage, hail damage, snow damage, flood damage, flying or falling objects, water damage due to accidents with water supply and drainage pipes, theft, etc. (3) The assessed value of the building or belongings covered by the insured property is either its current market value or its replacement cost. (4) The types of insurance paid generally include damage insurance, emergency expense insurance, and disposal costs. As a result of the above, it is difficult for policyholders to select compensation as an insurance product, and insurance benefits are unclear.

[0012] Fire insurance rates in Japan are composed of the reference net rate (net premium rate) calculated by the Non-Life Insurance Rating Organization (based on the Act on Non-Life Insurance Rating Organizations) and the additional premium rate of each non-life insurance company, but the rate for flood risk in the reference net rate was uniform nationwide. In recent years, insurance payments due to flood damage have increased sharply, so in June 2023, the Non-Life Insurance Rating Organization submitted a notification to the Commissioner of the Financial Services Agency regarding a change to the reference net rate for fire insurance, which resulted in a subdivision of flood risk into five categories by region. However, since the five categories are divided by city or town and the premium rates are uniform, the geographical situation of each individual's home is not reflected. For example, a house near a river and a house on high ground in the same city or town are in the same risk category.

[0013] In addition, the risk areas on hazard maps change as national and local governments implement disaster prevention and mitigation measures against natural disasters such as heavy rain and earthquakes, such as dredging, flood control work, reinforcing dangerous areas, and building dams. Therefore, to ensure fairness in insurance, it is necessary to appropriately review risk areas for floods and landslides and reflect this in insurance rates for flood risk.

[0014] Insurance is difficult to visualize because it is an intangible entity. Therefore, insurance policyholders may take out insurance policies with the same coverage. There are also cases where the policyholder is uninsured and uncovered.

[0015] An insurance policy does not reveal the details of what the insurance covers. Insurance terms and conditions include important information about the contracted insurance, such as definitions of terms, other damages covered by the insurance, insurance payment requirements, and disclosure and notification obligations. For this reason, it is important for policyholders to store the insurance policy and insurance terms and conditions together. However, insurance policies are generally displayed on a single sheet of paper or as a digital certificate screen file, while insurance terms and conditions are booklets or digital terms and conditions consisting of multiple pages, making them difficult to store and manage.

[0016] When an insurance contract occurs, it is generally necessary to file a claim for insurance. Therefore, in cases where the policyholder is unable to file a claim due to dementia or other reasons, or the insurance policy or insurance policy image file cannot be confirmed due to natural disasters such as earthquakes or typhoons, or fires, it is important to inform a third party close to the policy information of the insurance.

[0017] Non-life insurance is a speculative contract that is generally entered into by policyholders in the hope that if an insured event occurs for a reason covered by the insurance, they will be compensated for the economic loss caused by the insured event. Therefore, moral risk and moral hazard are inherent in the compensation for economic loss. Insurers need a way to deal with the risk (underwriting risk) of underwriting insurance for an unspecified number of policyholders. Therefore, it is important to design insurance products that do not give rise to moral risk or moral hazard.

[0018] It is also important to verify the identity of the insured when accepting insurance or when paying out insurance benefits. In particular, online insurance contracts are difficult to verify the identity of the insured because they are not face-to-face, making them prone to fraud such as impersonation, and so measures to address this are necessary.

[0019] The Insurance Law stipulates that if an insured person has concluded multiple non-life insurance contracts that cover the same compensation for a single insurance subject (for example, taking out fire insurance and fire mutual aid for one's home), the insurer of that insurance pays the full amount of damages or expenses (insurance money) to be compensated to the insured person as if there were no other non-life insurance contracts (Insurance Law Article 20: Full independent liability method for overlapping insurance). In addition, there is a disclosure obligation in fire insurance contracts to disclose information such as the structure, use, location, and other fire insurance contracts (overlapping insurance contracts) of the building that is the subject of the insurance. In the event of a violation of the disclosure obligation, the insurer may cancel the insurance contract under the terms and conditions. This is therefore designed to prevent profits from being generated through insurance contracts.

[0020] Unlike fire insurance or automobile insurance, insurance that covers natural disasters has the potential to cause extensive damage, so it is expected that claims will be concentrated temporarily and the amount of insurance paid will be high. Therefore, it is important for insurers that underwrite such insurance to understand their payment capacity and manage risks such as arranging reinsurance.

[0021] Therefore, in order to solve the above-mentioned problems, the present invention aims to provide a disaster resilience support system that includes: a visualization means for visualizing the coverage items in the product design of disaster resilience insurance, which includes coverage items that cover the uncovered areas of fire insurance (comprehensive home insurance) that generally covers flood damage, an insurance premium rate determination means for maintaining the fairness of insurance premium rates, a user verification means for verifying the subscriber against moral risk and moral hazard, a database of the insurance contracts that is generated into a data file by prefecture and the total amount of insurance payments for each region is compiled to grasp the accumulation risk, and a QR code generation means for displaying the insurance policy and insurance terms and conditions in a single QR code to make it easier to centrally manage insurance contracts, and an insurance contract management method that includes an insurance contract information sharing means and a backup means for preserving the insurance contract information in preparation for risks such as natural disasters such as earthquakes and typhoons, and fires. [Means for solving the problem]

[0022] In order to solve the above-mentioned problems, the present invention provides a disaster support system for providing disaster resilience insurance to support the lives of victims by providing insurance benefits to victims when a building used as a residence (hereinafter referred to as a dwelling) is damaged by flood risk, or when the dwelling is damaged by a natural disaster other than an earthquake, tsunami, or volcanic eruption, causing a water supply outage (hereinafter referred to as a water outage) or an electricity supply outage (hereinafter referred to as a power outage), the flood risk being inland water flooding or external water flooding caused by heavy rain or prolonged rain, or landslides caused by heavy rain or prolonged rain, the insurance is targeted at adults who have obtained a My Number card (hereinafter referred to as a user), and the insurance The insurance includes a housing plan that provides coverage according to the damage level when the housing of the user who subscribes to the insurance is damaged by the flood risk, a water outage plan that provides coverage for water outage or power outage caused by the natural disaster, and a power outage compensation plan, and the user selects at least one of the compensation plans and subscribes online, and the housing plan includes benefit items that are paid out in the event that the housing suffers damage due to the flood risk in the form of underfloor flooding or a landslide that causes soil, soil, stones, bamboo, and trees to flow under the floor (hereinafter referred to as underfloor damage), or in the event that the housing suffers damage other than underfloor damage, such as above-floor flooding, washing away, collapse, or burial (hereinafter referred to as housing damage), the server device is connected to the user terminal of the user via a network so as to be capable of transmitting and receiving data; The insurance system comprises an insurance information posting means for posting product information, a request for quotation, an application form, and insurance terms and conditions on the insurance website; a transmission / reception means for receiving the request for quotation sent by the user terminal, sending a response to the request for quotation to the user terminal, and further receiving the application form sent by the user terminal; an insurance premium rate determination means for, when the user wishes to join the housing plan, determining the flood risk at the location of the housing using the request for quotation and determining an additional premium rate to be added to the basic rate for the flood risk to calculate an applicable premium rate; and a user verification means for providing an image attachment section for attaching an image file of the front of the user's My Number card to the application form, thereby verifying the user.

[0023] The insurance premium rate determination means has the server device access via a network a hazard map portal site provided by the Geospatial Information Authority of Japan on its website in order to determine the flood risk to the house in the housing plan and determine the additional premium rate, inputs the user's address entered in the quotation request form sent by the user terminal into an address input field on the website, or clicks on the user's address on a displayed map to display a hazard map of that area on a screen, and the server device displays the hazard map on a screen, thereby identifying the degree of risk of flood risk to the house and determining the risk classification, thereby determining the additional premium rate, and once the additional premium rate has been determined, the applicable rate is determined by adding the additional premium rate to the basic rate of the flood risk to the house, thereby calculating the insurance premium for the housing plan, thereby providing fairness in insurance.

[0024] The risk classification is such that the degree of risk of flood damage is classified into at least three levels by a hazard map displayed on a screen by the server device, and the three levels are three predetermined additional premium rates to be added to the basic rate of the flood damage risk according to the degree of risk of the flood damage, thereby making it possible to maintain a balance in insurance premium rates.

[0025] The insurance amount for damage under the floor in the housing plan is determined by the floor area of ​​the first floor of the housing, and the insurance money is the cost of removing muddy water and deposits under the floor of the housing, or the cost of removing bamboo, trees, and rocks, or the cost of cleaning and disinfecting the floor (hereinafter referred to as cleaning and disinfection costs). The setting standard for the insurance amount for the cleaning and disinfection costs is a fixed amount standard in which the insurance amount is the size divided into a plurality of sizes according to the floor area of ​​the first floor of the housing, and the predetermined cleaning and disinfection costs corresponding to the size are divided into a plurality of sizes according to the floor area of ​​the first floor of the housing, and the predetermined cleaning and disinfection costs are divided into a plurality of sizes according to the size. There is a square meter unit price standard in which the insurance amount is calculated by multiplying the unit price by the floor area of ​​the first floor of the house, and the insurance amount and insurance money for the damage under the floor in the housing plan is the insurance amount set based on either the fixed amount standard divided into multiple sizes or the square meter unit price standard, and the insurance money paid is the insurance money for cleaning and disinfection expenses, and the insurance amount for the damage to the housing in the housing plan is the insurance amount set for the damage under the floor multiplied by a predetermined fixed rate, and the insurance money paid is a housing disaster condolence payment, The server device lists, in the product guide on the website, the fixed amount standard or the square meter unit price standard divided into at least a plurality of sizes with respect to the setting standard of the insurance amount in the housing plan, and further lists the difference between the benefit amount and the insurance money to be paid for each of the damage under the floor and the damage to the housing in the housing plan. Therefore, the insurance is designed as a product that does not generate profits.

[0026] The water outage plan and the power outage plan each provide an infrastructure response expense insurance claim to cover the economic burden caused by the disruption of daily life of the user due to the water outage and power outage caused by the natural disaster, and the water outage plan and the power outage plan each have a preset exclusion period; The exemption period is at least two days from the time of the water outage or power outage, The insurance benefits for the water outage plan and the power outage plan are either a daily benefit that pays a preset daily amount for each day of the supply outage period that exceeds the exclusion period, or a fixed benefit that pays a preset fixed amount when a preset certain supply outage period that exceeds the exclusion period has elapsed, and the daily benefit has a preset benefit limit number of days for both the water outage plan and the power outage plan, and the daily benefit or the fixed benefit has a family adjustment coefficient that can adjust the benefit amount depending on family structure, and when the user uses the family adjustment coefficient, in order to prevent moral risk, the user terminal is required to attach image files of the front of the My Number cards of the user's cohabiting family members who are over a certain predetermined age in addition to the application form and transmit them to the server device via a network, The server device lists at least the daily benefit or the flat-rate benefit in the insurance benefits for the water outage plan and the power outage plan in the product guide on the website, and further lists that the amount of the daily benefit or the flat-rate benefit can be adjusted depending on family structure, and that when the family adjustment coefficient is used, image files of the front of the My Number cards of family members living with the user who are over a certain age determined in advance must be submitted. Therefore, moral risk can be prevented and it is possible to deal with households with many family members.

[0027] In general, comprehensive housing insurance (hereinafter referred to as fire insurance), which covers flooding above the floor level of a house or the washing away of the house due to flooding caused by typhoons, heavy rains, etc., does not cover flooding under the floor level, water outages, or power outages, while the disaster resilience insurance covers flooding under the floor level, water outages, and power outages. For damage under the floor level in the housing plan, the insurance payment for cleaning and disinfection costs is paid, and for both the water outage plan and the power outage plan, the insurance payment for infrastructure response costs is paid for both water outages and power outages. The insurance payment for damage to the house in this insurance is the housing disaster compensation payment, which is a certain percentage of the infrastructure response cost insurance payment paid for damage under the floor level. While the insurance pays the residential disaster compensation for the residential damage, the fire insurance generally pays damage insurance, emergency expense insurance, and remaining object removal expense insurance in the insurance amount for the residential property covered by the fire insurance, and the insurance covers flooding under the floor, water outage, and power outage that the fire insurance does not cover, and the fire insurance corresponding to the residential damage covered by the insurance pays insurance money different from the insurance, and in the amount of the payment, the insurance pays a certain percentage of the infrastructure response expense insurance money so that the user does not get an unjust enrichment, and since the insurance is an insurance product that complements the fire insurance, the user can select the coverage items he needs. Therefore, the insurance and the fire insurance are designed to not be overlapping insurance.

[0028] In the insurance information posting means, the server device posts the product information on the website. a visualization means for displaying and posting each of the security items for the compensation plans as icons, the icons including a housing icon indicating the housing plan, a water outage icon indicating the water outage plan, a power outage icon indicating the power outage plan, and further a sub-floor damage icon indicating sub-floor damage in the housing plan, and a housing damage icon indicating housing damage; the server device posts the multiple compensation plans in which the security items are displayed as the icons in the product guide on the website; and the user terminal accesses the server device via a network and displays the icons posted in the product guide on the website on a screen; The user can easily select the compensation plan by visually checking the icon displayed on the screen of the user terminal.

[0029] The quotation request form is provided with a user information input section for inputting user information such as the user's address, name, and contact information, and a floor area input section for inputting the floor area of ​​the first floor of the house, Furthermore, in setting the insurance amount for the damage under the floor, in the case of the square meter unit price standard, a square meter unit price standard check column, an insurance amount premium input column for inputting the insurance amount calculated by the floor area of ​​the first floor of the house and the annual insurance premium calculated by the applicable premium rate, respectively, and in the case of the fixed amount standard, a fixed amount standard check column, a number check column for checking the numbers assigned to the fixed amount standard divided into a plurality of sizes, and a plurality of insurance premium input columns for inputting the annual insurance premium corresponding to the numbers are provided, and the user who wishes to subscribe to the residential plan can use the user terminal to make a registration via a network. The server device is accessed via the above-mentioned method and the quotation request form of the website is displayed on the screen, and when the user desires the square meter price standard, the user information and the floor area of ​​the first floor of the dwelling are input into the user information input section and the floor area input section, respectively, and the quotation request form is transmitted with the square meter price standard check column checked, and when the user desires the fixed price standard, the user information and the floor area of ​​the first floor of the dwelling are input into the user information input section and the floor area input section, respectively, and the quotation request form is transmitted with the fixed price standard check column and the number check column checked. The insurance has options in the dwelling plan.

[0030] The server device receives the quotation request sent by the user terminal, and determines the additional premium rate corresponding to the risk category determined using the insurance premium rate determination means to determine the flood risk in the residence from the user's address entered in the quotation request, and when a check is placed in the square meter unit price standard check field in the quotation request, the server device determines the insurance amount calculated by multiplying the square meter unit price of the cleaning and disinfection etc. expenses by the number of square meters entered in the floor area input section, and the annual insurance premium calculated by multiplying the insurance amount by the applicable rate obtained by adding the basic rate to the additional premium rate determined by the insurance premium rate determination means. The request for quotation is entered into the insured amount insurance premium input field, and when a check is placed in the fixed amount standard check field, the annual insurance premium calculated by multiplying the insurance amount for the number corresponding to the number check field by the applicable rate, which is the additional rate determined by the insurance premium rate determination means plus the basic rate, is entered into the insurance premium input field, and the server device copies the request for quotation entered into the insured amount insurance premium input field or the insurance premium input field, and sends the created reply document to the user terminal via the network, and when the user terminal receives the reply document, the user can consider whether to subscribe to the housing plan.

[0031] The application form is provided with an image attachment section for attaching an image file of the front side of the user's My Number card, a personal information input section for inputting the user's name and contact information, and a plurality of subscription information input sections for inputting subscription information required for each of the residential plan, the water outage plan, and the power outage plan for which the user wishes to subscribe; (1) The enrollment information in the housing plan is the insurance amount, the annual insurance premium, and the floor area of ​​the first floor of the housing if the contents shown in the reply are based on the square meter price. If the contents displayed on the reply are the fixed amount standard, the number checked in the number check box, the annual insurance premium for that number, and the floor area of ​​the first floor of the dwelling, (2) The subscription information for the water outage plan is either the daily benefit or the flat-rate benefit displayed in the product details on the website, or, in the case of adjustment based on family structure, the family adjustment coefficient and either the daily benefit or the flat-rate benefit, (3) The subscription information for the power outage plan is either the daily benefit or the flat-rate benefit displayed in the product details on the website, or, if adjusted based on family structure, the family adjustment coefficient and either the daily benefit or the flat-rate benefit, The enrollment information input field is an input field for inputting the enrollment information of (1)-(3), and the user who wishes to enroll in the compensation plan accesses the server device using the user terminal, displays the product guide on the screen and confirms it, displays the enrollment application form and attaches an image file of the front of the user's My Number card to the image attachment section provided on the enrollment application form, further inputs the user's furigana and contact information in the personal information input field, and further (a) if the user wishes to enroll in the housing plan, inputs the enrollment information described in (1) in the enrollment information input field, and (b) if the user wishes to enroll in the water outage plan, inputs the enrollment information described in (1) in the enrollment information input field. The user inputs the subscription information described in (2) in the subscription information input field, and (c) if the user wishes to subscribe to the power outage plan, the user inputs the subscription information described in (3) in the subscription information input field, and the user terminal transmits the subscription application form of any of (a), (b), and (c), or (a) and (b), or (a) and (c), or (b) and (c), or (a), (b), or (c) to the server device via a network, and the server device displays an image file of the user's My Number card attached to the received subscription application form on the screen to enable the user to confirm that he or she will subscribe to the insurance. Then, the user can select only the compensation plan that he or she wants to subscribe to.

[0032] The disaster resilience insurance is configured to have a quote acceptance period, an application acceptance period, a waiting period, and a compensation start date, the quote acceptance period is a period during which the server device receives the quote request sent by the user terminal when the user wishes to subscribe to the housing plan and accepts the quote request, the application acceptance period is a period from the start date of the quote acceptance period to the closing date of the quote acceptance period, the waiting period is at least 10 days from the closing date of the application acceptance period so that the user cannot subscribe to the insurance based on a weather forecast, and the compensation start date is the day after the end date of the waiting period, If the compensation plan that the user wishes to subscribe to includes the housing plan, the user terminal transmits the quotation request, in which the subscription information and user information for the housing plan that the user wishes to subscribe to and the user information are input, to the server device via the network by the closing date of the quotation acceptance period, the server device transmits the reply to the quotation request to the user terminal via the network by the start date of the application acceptance period, the user terminal accesses the server device via the network, and transmits the application, in which an image file of the user's Individual Number card is attached to the image attachment section provided in the application form on the website, the user's furigana and contact information are input in the personal information input field, and the subscription information necessary for each of the housing plan, the water outage plan, and the power outage plan that the user wishes to subscribe to is input in the subscription information input field, by the closing date of the application acceptance period. This enables the insurer of the insurance to reduce underwriting risk.

[0033] the server device comprises a database means for generating a tabular database based on the plurality of application forms transmitted by the user terminal via a network after the closing date of the application acceptance period, the database being divided into a plurality of fields, the plurality of fields being divided into at least prefecture and city / ward / county for the user's address, and insurance amount or compensation limit (hereinafter referred to as insurance amount) for each of the residential plan, the water outage plan, and the power outage plan for the compensation plan, The server device further comprises an extraction means for extracting the addresses of the users from the database by prefecture, a prefecture data file means for generating the extracted databases for each prefecture as a plurality of prefecture data files, a contract management means for storing the plurality of prefecture data files, each of which is assigned a prefecture name, and the database, and a sorting means for sorting the plurality of prefecture data files by city, ward, district, and county. The prefecture data files can thereby be subdivided by region.

[0034] The server device includes an accumulation risk grasping means for tallying up the insurance amounts in the plurality of compensation plans by prefecture or by city, ward, or county, and grasping an accumulation risk by region, The insurance amount for the residential plan is provisionally recorded as twice the insurance amount for the damage under the floor, and the insurance amounts for each of the water outage plan and the power outage plan are recorded as amounts reflecting the family adjustment coefficient. The server device selects a specified prefecture from the multiple prefecture-specific data files with prefecture names and aggregates the insurance amounts for each of the multiple compensation plans using the aggregation risk understanding means, and further sorts the specified prefecture-specific data file by multiple cities, wards, and counties using the sorting means, and aggregates the insurance amounts for each of the multiple compensation plans using the accumulation risk understanding means. The server device aggregates the multiple prefecture-specific data files or the specified prefecture-specific data files sorted by city, ward, and counties using the aggregation risk understanding means, making it possible to provisionally grasp the regional accumulation risk for each prefecture or each city, ward, and counties, and enabling the insurer of the insurance to manage the underwriting risk.

[0035] The server device further includes a QR code generation means, which converts a URL for accessing the insurance policy into a QR code (registered trademark) to generate an insurance policy QR code, and further converts the insurance policy, in which the insurance policy QR code is displayed in a margin of the insurance policy to be issued to the user who has subscribed to the disaster resilience insurance, into a QR code to generate an insurance policy QR code, and transmits an image file of the insurance policy QR code to the user terminal via a network, the user terminal being capable of reading QR codes, and the server device generates the insurance policy QR code. This makes it easier for the user to centrally manage the insurance contract.

[0036] The user terminal is equipped with an insurance contract information sharing means and a backup means, the insurance contract information sharing means shares an image file of the insurance policy QR code, which is contract information of the disaster resilience insurance contracted by the user, with adult relatives living with the user (hereinafter referred to as relatives living with the user) so that the insurance claim procedure can be carried out on behalf of the user in the event of an insured accident occurring in the disaster resilience insurance subscribed to by the user, and the backup means uploads and stores the image file of the insurance policy QR code in a cloud provided by an Internet service provider used by the user in preparation for the case where the user terminal becomes unusable or the user is unable to use the user terminal, The user terminal is capable of communicating with the relative device of the cohabiting relative via a network, The relative device is capable of reading QR codes, saves an image file of the insurance policy QR code sent by the server device, and uploads and saves it to the cloud via a network.It further sends an image file of the insurance policy QR code to the relative device, and if the user has difficulty filing a claim for the disaster resilience insurance, it accesses the cloud to read the saved image file of the insurance policy QR code and sends an email informing the user that the claim for the insurance will be made.The user terminal uses the insurance contract information sharing means and the backup means to save the image file of the insurance policy QR code, in which the insurance contract is centralized, to the cloud so that the insurance does not go unclaimed, thereby enabling the user to manage the insurance contract. Effect of the Invention

[0037] The present invention has the following advantages. (1) There are options for the collateral items. (2) Collateral items are displayed as icons, making selection easy. (2) The insurance policy and insurance terms and conditions are displayed in a single QR code, making it easy to manage them centrally. (3) By storing insurance contract information in the cloud, you can rest assured even in the event of a disaster. (4) This insurance complements comprehensive home insurance, allowing customers to receive comprehensive coverage. (5) Insurers benefit from the deterrent effect of moral risk and moral hazard. (6) Insurers can gain peace of mind from managing their operations by knowing the total amount of insurance claims paid by region. [Brief description of the drawings]

[0038] [Figure 1] FIG. 2 is a configuration diagram of a server device and a user terminal of the system according to the embodiment. [Diagram 2] FIG. 2 is a diagram showing means provided in a server device and a user terminal that constitute the system. [Diagram 3] A diagram showing a configuration in which a user terminal stores an insurance policy QR code on the cloud and shares insurance contract information with relatives' devices. [Figure 4] FIG. 11 is a reference diagram showing a part of a product guide posted on a website. [Diagram 5] FIG. 11 is a reference diagram showing a part of a product guide posted on a website. [Figure 6] This is a reference diagram showing a request for quotation for a residential plan. [Figure 7] FIG. 13 is a reference diagram showing an application form for membership. [Figure 8] This is a reference diagram showing an insurance card QR code, which is an insurance policy converted into a QR code and has the insurance terms and conditions converted into a QR code. [Figure 9] 1 is a flowchart showing the flow of insurance enrollment procedures. [Figure 10] FIG. 11 is a sequence diagram showing the flow between the server device and the user terminal. [Figure 11] FIG. 13 is a configuration diagram showing a part of a database generated based on a membership application form. [Figure 12] 13 is a part of a configuration diagram showing an example of a prefecture-specific data file in which Tokyo is extracted from a database. [Figure 13]FIG. 13 is a diagram showing a part of the data file (data file by prefecture) of Tokyo in FIG. 12 sorted by ward. [Figure 14] FIG. 14 is a portion of an explanatory diagram showing an example of the insurance amount for each compensation plan for each ward in the data file for Tokyo (data file by prefecture) sorted by ward in FIG. 13 . DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0039] In the present invention, the following description of the embodiment will be given with reference to the drawings, on the assumption that an application for insurance product review will be made to the Supervision Bureau of the Financial Services Agency and approval will be obtained in order to implement the insurance. Note that the embodiment is not limited to the following description.

[0040] In FIG. 1, in the system of the present invention, a server device 10 and a user terminal 30 are connected via a network N so as to be able to communicate with each other.

[0041] The server device 10 has the insurance information posting means 11 shown in FIG. 2 and posts the product information shown in FIGS. 4 and 5 on the website, the quotation request form 60 in FIG. 6, the enrollment application form 70 in FIG. 7, and the insurance policy terms and conditions.

[0042] As shown in S11 of Fig. 9, the user accesses the server device 10 via the network N with the user terminal 30, and among the home icons 80 displayed as icons from the product guide 2 shown in Fig. 4 on the website, consider the desired compensation plan from the underfloor damage icon 81, home damage icon 82, water outage icon 83, and power outage icon 84. Furthermore, the user checks the compensation details and estimated insurance premium or insurance premium shown in Fig. 5.

[0043] (Product Information) Figures 4 and 5 show part of the product information on the website, which provides an overview of each compensation plan - the Housing Plan, Water Outage Plan, and Power Outage Plan - as well as the following precautions: In the residential plan, compensation is divided into damage under the floor and damage to the home caused by flood risk, such as flooding above the floor. The insurance payouts differ, and the insurance amount is set based on the floor area of ​​the first floor of the home. For damage under the floor, the set insurance amount is paid as insurance for cleaning and disinfection costs, and for damage to the home, an amount less than the insurance amount is paid as residential disaster compensation. It is displayed that there are two plans for setting the insurance amount: a plan based on a square meter price and a flat rate plan. For the water outage plan and the power outage plan, a daily benefit plan and a flat-rate benefit plan are displayed, and you can choose between the daily benefit plan and the flat-rate benefit plan. It is also displayed that the daily or flat-rate amount can be adjusted depending on the family composition. The product information includes the following cautions: (1) For home insurance plans, a request for quotation form is used because insurance rates vary by region. (2) There is a period for accepting requests for quotation (quotation acceptance period). (2) There is an application period for the insurance. (3) After the application period ends, there will be a waiting period until the start date of coverage. (4) The water outage plan must utilize a water supply company. The power outage plan must utilize an electricity supply company. In addition, the website will be updated to include information on how personal information of policyholders will be handled. Important information and cautionary notes will be included in the insurance policy.

[0044] When a user subscribes to a residential plan, the user terminal 30 accesses the server device 10 via the network N during the quotation acceptance period as described in item 1 of the product guide in Fig. 4, and displays the quotation request 60 shown in Fig. 6 posted on the website on the screen. Note that a quotation acceptance period is provided during which the user terminal 30 transmits the quotation request 60 to the server device 10. It is desirable to leave at least one week between the closing date of the quotation acceptance period and the closing date of the application acceptance period.

[0045] As shown in S12 of Figure 9, the user enters the user's address, name, and contact details in user information input section 61 provided on quotation request form 60 of Figure 6, enters the floor area of ​​the first floor of the house in floor area input section 62, and if the user desires a square meter price standard, checks square meter price standard check field 63, or if a flat rate standard is desired, checks flat rate standard check field 64 and number check field 67, and then user terminal 30 transmits quotation request form 60 to server device 10 via network N.

[0046] (Applicable rates) As shown in S13 of FIG. 9, the server device 10 uses the insurance premium rate determination means 15 to access a hazard map portal site provided by the Geospatial Information Authority of Japan, inputs the user's address entered in the quotation request form 60 into the address input field, displays a hazard map on the screen, determines the risk category for flood risk to the user's house, determines a surcharge rate, and adds it to a preset basic rate to calculate an applicable rate.

[0047] (Hazard maps and flood risk) The insurance premiums are determined by identifying the flood risk (external flooding, internal flooding, or landslides) of the subscriber's home location based on the degree of the color-coded danger zone on the Geospatial Information Authority of Japan hazard map, and determining the risk category. However, if a hazard map is displayed for the location, the elevation of the subscriber's home and the risk and disaster history of surrounding rivers and streams are checked based on the geographic information system provided on the Geospatial Information Authority of Japan's website, and the flood risk category is determined comprehensively.

[0048] (Answer) Although the response form is not shown in the figure, if the square meter price standard check box 63 provided on the quotation request form 60 shown in Figure 6 is checked, the server device 10 will copy the quotation request form 60 in which the insurance amount calculated by multiplying the square meter price for cleaning, disinfection, etc. by the number of square meters entered in the floor area input section 62 and the annual insurance premium calculated by multiplying the insurance amount by the applicable rate determined by the insurance premium rate determination means 15 have been entered into the insurance amount and insurance premium input field 65, and transmit this copy to the user terminal 30 via the network N as a response form.

[0049] In addition, when a check is placed in the fixed amount standard check column 64 on the quotation request form 60 shown in FIG. 6, the server device 10 copies the quotation request form 60 in which the annual insurance premium calculated by multiplying the insurance amount for the number corresponding to the number check column 67 by the applicable rate determined by the insurance premium rate determination means 15 has been entered in the insurance premium input column 66, and transmits the copy to the user terminal 30 as a response.

[0050] As shown in the product guide 1 of FIG. 4, the user terminal 30 is adapted to transmit the membership application form 70 to the server device 10 within the application acceptance period.

[0051] (Application acceptance period, waiting period, coverage start date, insurance period) This insurance has a waiting period from the closing date of the application acceptance period to the start date of coverage so that applications cannot be made after checking the weather forecast. The application acceptance period is preferably about one month. The waiting period is preferably at least 10 days from the closing date of the application acceptance period. The insurance period is preferably one year because regional risk levels change due to flood control works by national and local governments.

[0052] (Housing plan application) As shown in S15 of Figure 9, if the plan to be subscribed to includes a housing plan, the user terminal 30 attaches an image file of the user's My Number card provided on the subscription application form 70 shown in Figure 7 to the image attachment section 71, enters the user's furigana and contact information in the personal information input field 72, and further sends the subscription application form 70 to the server device 10, in which subscription information has been entered into the subscription information input field 73 for the housing plan based on the response form.

[0053] (Damage under the floor) Damage to the basement under this insurance covers cases where flooding causes at least 50% or more of the foundation of a house to become flooded but does not reach the floor level, or where soil, rubble, stones, bamboo, and wood have accumulated on at least 50% or more of the foundation of a house but do not reach the floor level, and insurance benefits will be paid to cover cleaning and disinfection costs and removal of deposits based on the floor area of ​​the first floor of the house.

[0054] (Damage to residential house) The insurance covers damage to dwellings under fire insurance, commonly known as comprehensive housing insurance, and covers damage to dwellings when the insured subject is a dwelling and the flooding exceeds the level of the tatami mats, wooden flooring, etc., or exceeds 45 cm above ground level, or damage that exceeds 30% of the replacement cost of the dwelling. A certain percentage of the insured amount, set according to the floor area of ​​the first floor of the dwelling, is paid as a dwelling disaster compensation.

[0055] (Housing disaster relief payments for housing damage) The residential disaster compensation for residential damage is paid at a certain percentage of the insured amount for damage under the floor, which is set according to the floor area of ​​the first floor of the house. However, the amount is set at a socially acceptable level so as not to generate profits. Furthermore, residential damage under this insurance is paid so as not to conflict with overlapping insurance (comprehensive housing insurance, etc.) under Article 20 of the Insurance Act.

[0056] (Cleaning and disinfection costs) The amount of insurance for damage caused by flooding under the floorboards or soil and sand flowing under the floorboards is determined based on the actual costs of cleaning and removing muddy water and sediment, as well as the costs of removing bamboo, wood, rocks, etc., and the costs of cleaning and disinfecting, etc., per floor area of ​​the first floor of the home.

[0057] (Fixed amount of insurance) For flat-rate benefits, the insurance amount is set according to the size of the first floor of the house. For example, if the first floor area is between 50 and 100 square meters, the insurance amount is 100,000 yen, if it is between 101 and 150 square meters, the insurance amount is 150,000 yen, and if it is 151 square meters or more, the insurance amount is 200,000 yen. The insurance amount is calculated in units of 10,000.

[0058] (Application for water outage plan or power outage plan) As shown in S16 of Figure 9, if the plan to be subscribed to does not include a residential plan, the user terminal 30 attaches an image file of the user's My Number card provided on the subscription application form 70 shown in Figure 7 to the image attachment section 71, the user's furigana and contact information are entered in the personal information input field 72, and subscription information for the water outage plan or power outage plan is further entered in the subscription information input field 73, and transmits the subscription application form to the server device 10 via the network N.

[0059] (Notes when signing up for water outage plans and power outage plans) When subscribing to the water outage plan under this insurance, the target is those who use a water supply company. Also, when subscribing to the power outage plan, the target is those who use an electricity supply company. Therefore, since the target is those who know the water and electricity usage fees at home, the subscriber can be someone who lives in rented accommodation. Furthermore, this is posted or stated in the product information on the website and in the insurance policy.

[0060] (Water outage plan and power outage plan exclusion period) Both water outage plans and power outage plans have an exclusion period, which must be at least two days from the time of the supply outage. Because it is difficult to pinpoint the time when the water outage or power outage occurred, it is preferable to set the date of the accident as one day. This is also stated in the terms and conditions.

[0061] (Daily and fixed amount benefits) In the water outage plan and power outage plan, the daily and flat-rate benefits are set so as not to result in unjust profits. It is preferable that the daily cost of water outage and power outage is about several thousand yen.

[0062] (Family adjustment coefficient and benefit amount) The daily or flat-rate benefits for the water outage plan and power outage plan are both provided with a family structure adjustment coefficient that can be adjusted according to family structure. When using the family structure adjustment coefficient, image files of the My Number cards of family members living together who are over a predetermined age are required to be attached as separate attachments and sent together with the application form. The predetermined age is preferably the age of majority (18 years old). Alternatively, the family structure adjustment coefficient may not be used even if there are multiple family members. In this case, no notice is required.

[0063] (Image files of My Number cards and the Personal Information Protection Act) An image file of the front of the My Number card (with a photograph of the face displayed) taken with a smartphone or other device is attached to the application form. If the image is unclear, a request for resubmission is made. The image file of the insured's My Number card is also posted with a clear description of the intended use and other safety management measures. It is also stated that the intended use is for identity verification when underwriting the insurance and providing insurance benefits. The section on the application form where the image of the My Number card is attached has a consent section for consenting to attaching the image file of the My Number card.

[0064] (Insurance premium settlement) The user terminal 30 that has transmitted the application form to the server device 10 is configured to settle the insurance premium for the insurance online by card.

[0065] As shown in S24 of FIG. 10, the server device 10 generates a database D1 shown in FIG. 11 based on the membership application form 70 transmitted by the user terminal 30 in the database means 22 after the end of the application acceptance period, as described in product guide 1 of FIG. 4.

[0066] (Database) The database D1 is generated in Excel (registered trademark) in tabular format as shown in FIG. 11, and its fields are divided into prefecture 101, city / ward / county 102, town / village / etc. 103, home insurance amount 104, water outage insurance amount 105, and power outage insurance amount 106.

[0067] (Data file by prefecture) As shown in S25 of FIG. 10, the server device 10 extracts the prefectures specified by the extraction means 16 from the database D1 of FIG. 11, and generates a prefecture-specific data file D2. For example, by clicking the Data tab from the tab menu of database D1, clicking the field for prefecture 101, clicking the filter displayed in the Data tab, clicking the filter displayed for prefecture 101, selecting "Tokyo" from the options, and clicking "OK", a prefecture-specific data file D2 for Tokyo in Figure 12 is generated. 13 is a diagram in which the prefecture-specific data file D2 for Tokyo in FIG. 12 has been sorted by ward using the sorting means 17. For example, by clicking any cell in the prefecture-specific data file D2 for Tokyo, clicking Sort on the ribbon, selecting "City, Ward, County" from the prioritized keys, and clicking "OK," a prefecture-specific data file D2 sorted by ward for Tokyo is generated.

[0068] As shown in S26 of FIG. 10, the server device 10 The accumulated risk by area can be grasped by tallying up the insurance amount for each collateral item by area with the accumulation risk grasping means 20. For example, in Fig. 14, the insurance amount for each collateral item by ward in Tokyo can be aggregated by clicking on subtotal from the ribbon of the prefecture-specific data file D2 sorted by ward in Tokyo, selecting the home insurance amount, water outage insurance amount, and power outage insurance amount from the aggregated field, and clicking "OK".

[0069] Figure 14 is a diagram showing a portion of a prefecture-specific data file for Tokyo showing a tally 201 for Shibuya ward, a tally 202 for Setagaya ward, a tally 203 for Bunkyo ward, a tally 204 for Meguro ward, a tally 205 for Nerima ward, and a total 206 which is a tally of the insurance amounts for the residential plan, water outage plan, and power outage plan in Tokyo, in a prefecture-specific data file D2 which tallys up the insurance amounts for each ward in Tokyo for the residential plan, water outage plan, and power outage plan.

[0070] (Accretion risk) Since this insurance covers natural disasters, there is a possibility that insurance accidents will occur in a concentrated manner temporarily, so it is important for the insurer to grasp the total amount of insurance paid by region for management purposes.To do this, the insurer can grasp the total amount of insurance paid by region by dividing and sorting the regions into cities, wards, counties, towns, and villages based on the prefecture-specific data file D2, and using the aggregation function to aggregate the insurance amounts for each coverage item by region.

[0071] The server device 10 uses the QR code generation means 21 shown in S27 of Figure 10 to convert the insurance policy into a QR code, as shown in Figure 8, to display the insurance policy QR code 91 in the margin of the insurance policy 90, and generates an insurance policy QR code 92 by further converting the insurance policy into a QR code.

[0072] The server device 10 transmits the generated insurance policy QR code 92 of FIG. 8, indicated by 92 in FIG.

[0073] The user terminal 30 stores the insurance policy QR code 92 received from the server device 10, and also uploads and stores it via the network N in a cloud C shown in FIG.

[0074] FIG. 3 is a diagram showing a configuration in which an image file of an insurance policy QR code 92 is stored in the cloud C and the user terminal 30 and the relative device 50 share insurance contract information.

[0075] (Means of sharing and backing up insurance policy information) As shown in FIG. 3, the user terminal 30 is communicably connected to the relative device 50 via a network and transmits an image file of the insurance policy QR code 92 to the relative device 50 . Furthermore, in the case of disaster resilience insurance, if the user has difficulty in filing a claim for the insurance, the user terminal 30 accesses the cloud C, reads the image file of the saved insurance policy QR code 92, and transmits an email to the relative device 50 via the network, informing the user that the insurance claim will be filed. Note that the relative device 50 is capable of reading QR codes.

[0076] (Cloud and backup methods) The image file of the insurance policy QR code is uploaded and stored in a cloud provided by the internet service provider used by the user. The user terminal 30 uploads and stores an image file of the insurance policy QR code 92 in the cloud C via the network N. At this time, the user is required to check the security of the data to be stored in the cloud. In order to be able to share the image file of the insurance policy QR code 92 stored in the cloud with the relative's device 50, the user grants access rights to the cloud to adult relatives living with the user. There are paid and free services, but the paid version is preferable as it has a comprehensive support system.

[0077] (Adult relatives living together) In this insurance contract, if the policyholder is unable to file a claim, a relative of adult age living with the policyholder will file the claim. In this insurance, the relative of adult age living with the policyholder is co-insured. In non-life insurance contracts, the beneficiary is generally a relative of adult age or older living with the policyholder in order to pay the insurance money to the insured (the person with the insured interest).

[0078] (Basic rates for under-floor damage and for water and power outages) The basic rate for damage under the floor is determined based on the rate for fire and flood risk set by the General Insurance Rating Organization of Japan. The basic rates for water outages and power outages are determined through mathematical calculations based on data on water outages and power outages. In addition, both rates are reviewed annually to determine whether they should be revised.

[0079] (About restoration) In the case of the insurance, when a payment is made for any of the insured accidents of the housing plan, water outage plan, or power outage plan, the compensation plan is terminated. If the insured wishes to reinstate the compensation plan, the plan can be reinstated by paying additional premiums for the unexpired period of the insurance based on the default short-term rate. A detailed explanation of the reinstatement is posted on the website. The insurance policy also includes an explanation of the short-term rate, the elapsed period, and the unexpired period.

[0080] (Regarding this insurance and comprehensive home insurance) This insurance pays out when the insured dwelling suffers damage to the basement floor due to heavy rain, and when the dwelling suffers water outage and power outage, and the amount of the benefit for damage to the basement floor is set based on the actual cost of removing dirt and sand, cleaning and disinfection, etc., for the floor area of ​​the first floor of the dwelling. In addition, for water outage and power outage, an insurance payment for infrastructure response costs is paid according to the supply outage period, based on a predetermined daily amount. Therefore, the product is designed to complement the uncovered areas (underfloor damage, water outage, power outage) of flood risk not covered by fire insurance (comprehensive housing insurance) so as not to become overlapping insurance with fire insurance (Article 20 of the Insurance Act). In addition, the insurance generally referred to as comprehensive housing insurance, which is offered by major non-life insurance companies, varies in terms of the handling and product name depending on the insurance company, and some non-life insurance companies include the insurance for the cost of removing remaining objects in the non-life insurance, or include demolition costs in addition to the cost of removing remaining objects as a special clause attached to fire insurance. In addition, flood damage compensation in comprehensive housing insurance is only provided when the insured subject suffers damage as a result of flooding above the floor level, or flooding exceeding 45 centimeters from the ground level, or when damage to the insured subject exceeds 30% of the replacement cost. Therefore, flood damage exceeding 45 centimeters from the ground level is generally considered to be flooding above the floor level. However, in cases where the building structure does not flood above 45 centimeters above the ground level and above the floor level, the insurance clause clearly states that a residential disaster compensation will be paid as residential damage so as not to be covered by overlapping comprehensive housing insurance.

[0081] (About the coverage and special provisions) This insurance does not cover floods caused by melting snow. Floods caused by melting snow occur in snowy regions and mountainous areas, so they are limited to certain regions. Therefore, it would be preferable to be able to add this as a special clause. In addition, since there is no coverage for high tides, it would be preferable to be able to add this as a special clause.

[0082] (Check disaster information) In order to check disaster information, insurers obtain information on river disasters and landslides from disaster information such as weather warnings, advisories, and typhoon information published on the website of the Japan Meteorological Agency, as well as disaster prevention information published on the website of the Ministry of Land, Infrastructure, Transport and Tourism, and check the status of flooding of homes, water outages, and power outages in the affected areas.

[0083] (Damage assessment standards) The damage assessment standard for damage under the floor of the house in this insurance is that insurance benefits will be paid if at least 50% or more of the foundation of the house is flooded but does not reach the floor level, or if soil, bamboo, trees, and stones have accumulated in at least 50% of the foundation of the house but do not reach the floor level. This is clearly stated in the insurance policy.

[0084] (Insurance benefits) (1) For damage to the floor of a house, the system checks the information on the Ministry of Land, Infrastructure, Transport and Tourism website and the damage situation with each local government to determine whether or not benefits are available, and contacts users who require damage assessment, or checks the current situation if they cannot be contacted. The same procedure is also followed for damage to a house. (2) Regarding water outages, people can access the “Water Supply Information” section on the Ministry of Health, Labor and Welfare’s website or the “Water Supply Damage Information” section on the website of the local government (water supplier) in the affected area to check the situation in the affected area. (3) Regarding power outages, the "Power Outage Information" page on the website of each power supply company can be used to check the power outage status and power outage areas in the area supplied by the power supply company. Insurance benefits for water outages and power outages are paid only after the water outage and power outage areas are directly confirmed with each power supply company. [Explanation of symbols]

[0085] N Network (Internet) C Cloud 10. Server equipment 11. Means of publishing insurance information 12 Visualization means 13 Means of transmission and reception 14 User Verification Method 15 Insurance premium rate determination method 16 Extraction means 17 Sorting Methods 18 Contract management measures 19 Prefectural data file means 20. Methods for identifying accumulation risks 21 QR Code Generation Method 22 Database Tools 30 User terminals 31 Insurance contract information sharing means 32 Backup Measures 50 Kinship Devices 60 Request for quotation 61 User information input section 62 Floor area input section 63 Square meter unit price standard check box 64 Fixed price standard check box 65 Insurance amount / insurance premium input field 66 Insurance premium entry field 67 Number Check Column 70 Application for membership 71 Image attachment section 72 Personal information entry field 73 Membership information entry field 80 Housing Icon 81 Underfloor damage icon 82 Housing damage icon 83 Water outage icon 84 Power Outage Icon 90 Insurance Policies 91 Insurance Policy QR Code 92 Insurance Policy QR Code D1 Database D2 Prefecture data file

Claims

1. A disaster support system for providing disaster resilience insurance to victims of a building used as a residence (hereinafter referred to as a residence) that is damaged by a flood risk, or that is damaged by a natural disaster other than an earthquake, tsunami, or volcanic eruption, such as a water outage (hereinafter referred to as a water outage) or a power outage (hereinafter referred to as a power outage), to support the lives of the victims by providing insurance benefits to the victims, The flood risk is inland flooding or external flooding due to heavy rain or prolonged rain, or landslides due to heavy rain or prolonged rain, etc. The insurance is aimed at adults who have obtained a My Number card (hereinafter referred to as "users"). The insurance includes a home plan that provides coverage according to the damage situation when the home of the user who subscribes to the insurance is damaged by the flood risk, a water outage plan that provides coverage for water outage or power outage due to the natural disaster, and a power outage compensation plan, The insurance is subscribed to online by the user by selecting at least one of the compensation plans, The housing plan includes benefit items for insurance benefits to be paid in the event that the housing suffers damage due to flooding under the floor or damage caused by a landslide in which soil, soil, stones, bamboo, and trees flow under the floor due to flooding under the floor (hereinafter referred to as "underfloor damage") caused by the flood risk, or damage other than the underfloor damage such as flooding above the floor, washing away, collapse, or burial (hereinafter referred to as "housing damage"); the server device is connected to the user terminal of the user via a network so as to be capable of transmitting and receiving data; an insurance information posting means for posting a product information, a request for quotation, an application form, and insurance terms and conditions on the website of the insurance; a transmitting / receiving means for receiving the quotation request sent by the user terminal, transmitting a response to the quotation request to the user terminal, and further receiving the membership application sent by the user terminal; an insurance premium rate determination means for, when the user wishes to subscribe to the residential plan, determining the flood risk at the location of the residential home using the request for quotation, determining an additional premium rate to be added to the basic premium rate for the flood risk, and calculating an applicable premium rate; a user verification means for verifying the user by providing an image attachment section for attaching an image file of the front side of the user's Individual Number card to the application form; A disaster resilience support system comprising:

2. The insurance premium rate determination means has the server device access via a network a hazard map portal site provided by the Geospatial Information Authority of Japan on its website in order to determine the flood risk to the house in the housing plan and to determine the additional premium rate, and inputs the user's address entered in the quotation request sent by the user terminal into an address input field on the website, or clicks on the user's address on a displayed map to display a hazard map of that area on a screen; The server device displays the hazard map on a screen, thereby identifying the degree of risk of flood damage to the dwelling and determining the risk category, thereby determining the surcharge rate; The disaster resilience support system described in claim 1, characterized in that once the additional rate is determined, the applicable rate is determined by adding the additional rate to the basic rate for the flood risk in the residence, and the insurance premium for the residence plan can be calculated.

3. The risk classification is a classification of the degree of risk of the flood disaster into at least three levels by a hazard map displayed on a screen by the server device; The disaster resilience support system according to claim 2, characterized in that the three levels are three predetermined additional rates added to the basic rate of the flood risk depending on the degree of danger of the flood risk.

4. The insurance amount for damage under the floor in the housing plan is determined by the floor area of ​​the first floor of the housing, The insurance money will cover the cost of removing muddy water and deposits from under the floor of the dwelling, or the cost of removing bamboo, trees, and rocks, or the cost of cleaning and disinfecting under the floor (hereinafter referred to as cleaning, disinfection, etc. costs). ) insurance money, The insurance amount for the cleaning, disinfection, etc. expense insurance payment is a fixed amount standard in which the insurance amount is the cleaning, disinfection, etc. expense that is preset according to the size of the first floor of the dwelling divided into several sizes based on the floor area of ​​the first floor of the dwelling, and There is a square meter price standard in which the insurance amount is calculated by multiplying the preset square meter price of the cleaning and disinfection expenses by the floor area of ​​the first floor of the residence, The insurance amount and insurance money for the damage under the floor in the housing plan is the insurance amount set based on either the fixed amount standard divided into a plurality of sizes or the square meter unit price standard, and the insurance money to be paid is the insurance money for the cleaning and disinfection expenses, etc. The amount of the benefit for the damage to the house in the housing plan shall be the amount of insurance set for the damage under the floor multiplied by a predetermined fixed rate, The insurance money to be paid is a residential disaster relief payment, The disaster resilience support system described in claim 1, characterized in that the server device lists in the product guide on the website the fixed price standard or the square meter price standard divided into at least a plurality of sizes regarding the criteria for setting the insurance amount in the housing plan, and further lists the differences in the respective benefit amounts and insurance money paid for the underfloor damage and the housing damage in the housing plan.

5. The water outage plan and the power outage plan each provide an infrastructure response expense insurance benefit to cover the economic burden caused by the disruption of daily life of the user due to the water outage and power outage caused by the natural disaster, The water outage plan and the power outage plan each have a preset exclusion period, The exemption period is at least two days from the time of the water outage or power outage, The insurance benefits in the water outage plan and the power outage plan are either a daily benefit that pays a preset daily amount for each day of the supply outage period that exceeds the exclusion period, or a fixed benefit that pays a preset fixed amount when a preset certain supply outage period that exceeds the exclusion period has elapsed. The daily benefit has a preset benefit limit number of days for both the water outage plan and the power outage plan, In the daily benefit or the fixed benefit, a family adjustment coefficient is provided that allows the benefit amount to be adjusted according to family structure. When the user uses the family adjustment coefficient, in order to prevent moral risk, the user terminal is required to attach image files of the front of the My Number cards of the user's cohabiting family members over a certain age determined in advance in addition to the application form and transmit them to the server device via a network, The disaster resilience support system described in claim 1, characterized in that the server device lists at least the daily benefit or the flat-rate benefit for the insurance benefits of the water outage plan and the power outage plan in the product guide on the website, and further lists that the amount of the daily benefit or the flat-rate benefit can be adjusted depending on family composition, and that when the family adjustment coefficient is used, an image file of the front of the My Number card of a family member living with the user who is over a predetermined age must be submitted.

6. In general, comprehensive home insurance (hereinafter referred to as fire insurance), which covers flooding above the floor level of a house or the washing away of the house due to flooding caused by typhoons or heavy rains, does not cover flooding below the floor level, water outages, or power outages. The disaster resilience insurance covers flooding under the floor, water outages, and power outages. The damage under the floor in the housing plan will be covered by the insurance for cleaning, disinfection, etc. The water outage plan and the power outage plan provide the infrastructure response cost insurance benefits for both water outages and power outages, The insurance money for the damage to the house in this insurance is the house disaster relief payment, The housing disaster relief payment is a certain percentage of the infrastructure response cost insurance payment to be paid for the underfloor damage, While the insurance company pays the residential disaster compensation payment for the residential damage, the fire insurance company generally pays damage insurance, emergency expense insurance, and residual item removal expense insurance in the amount of insurance for the residential property covered by the fire insurance company, This insurance covers flooding under the floor, water outages, and power outages, which are not covered by the fire insurance. The fire insurance corresponding to the damage to the dwelling that is covered by the insurance in question pays insurance money different from that of the insurance in question, In terms of the amount of the benefit, the insurance will pay a certain percentage of the infrastructure cost insurance payment to the user so that the user does not incur an unjust enrichment, The disaster resilience support system according to claim 4 or 5, characterized in that the insurance is an insurance product that complements the fire insurance.

7. In the insurance information posting means, the server device posts the product information on the website. A visualization means for displaying and displaying each security item for the compensation plan as an icon, The icons include a house icon indicating the house plan, a water outage icon indicating the water outage plan, a power outage icon indicating the power outage plan, and further a subfloor damage icon indicating subfloor damage in the house plan, and a house damage icon indicating house damage, the server device publishes a plurality of the compensation plans, each of which displays the security items as the icons, in the product guide on the website; the user terminal accesses the server device via a network and displays the icon published in the product guide of the website on a screen; The disaster resilience support system according to claim 1, characterized in that the user can easily select the compensation plan by visually checking the icon displayed on the screen of the user terminal.

8. The quotation request form is provided with a user information input section for inputting user information such as the user's address, name, and contact information, and a floor area input section for inputting the floor area of ​​the first floor of the house, Furthermore, in setting the insurance amount for damage under the floor, there is a check box for the square meter unit price standard when the square meter unit price standard is used, and an insurance amount and insurance premium input box for inputting the insurance amount calculated based on the floor area of ​​the first floor of the dwelling and the annual insurance premium calculated based on the applicable rate, In the case of the fixed amount standard, a fixed amount standard check column, a number check column for checking the number assigned to the fixed amount standard divided into a plurality of sizes, and a plurality of insurance premium input columns for inputting the annual insurance premium corresponding to the number are provided, The user who wishes to subscribe to the housing plan accesses the server device via a network using the user terminal and displays the quotation request on the website on a screen; When the user desires the square meter price standard, the user information and the floor area of ​​the first floor of the house are input into the user information input section and the floor area input section, respectively, and the quotation request form is sent with the square meter price standard check box checked. The disaster resilience support system of claim 4, characterized in that when the user desires the fixed price standard, the user information and the floor area of ​​the first floor of the residence are input into the user information input section and the floor area input section, respectively, and the quotation request form is sent with the fixed price standard check column and the number check column checked, respectively.

9. The server device receives the quotation request transmitted by the user terminal, determining the additional premium rate corresponding to the risk category determined using the insurance premium rate determination means to determine the flood risk of the dwelling from the user's address entered in the quotation request; If a check mark is placed in the square meter unit price standard check field in the quotation request form, the insurance amount calculated by multiplying the square meter unit price of the cleaning, disinfection, etc. expenses by the number of square meters inputted in the floor area input section, and the annual insurance premium calculated by multiplying the insurance amount by the applicable rate obtained by adding the basic rate to the additional rate determined by the insurance premium rate determination means are inputted into the insurance amount and insurance premium input field, When a check is placed in the fixed amount standard check box, input the annual insurance premium obtained by multiplying the insurance amount of the number corresponding to the number check box by the applicable rate obtained by adding the basic rate to the additional rate determined by the insurance premium rate determination means into the insurance premium input field; The server device copies the request for quotation input form entered in the insurance amount / insurance premium input field or the insurance premium input field, and transmits the copy of the request for quotation input form to the user terminal via a network. The disaster resilience support system according to claim 2 or 8, characterized in that the user considers whether to subscribe to the housing plan by receiving the response document at the user terminal.

10. The application form includes an image attachment section for attaching an image file of the front side of the user's My Number card, and a personal information input section for inputting the user's name and contact information. A plurality of subscription information input fields are provided for inputting subscription information required for each of the residential plan, the water outage plan, and the power outage plan to which the user wishes to subscribe; (1) The subscription information in the housing plan is If the contents shown in the reply are based on the square meter price, the insurance amount, the annual insurance premium, and the floor area of ​​the first floor of the house, If the content displayed on the reply is the fixed amount standard, the number checked in the number check box, the annual insurance premium for that number, and the floor area of ​​the first floor of the dwelling, (2) The subscription information for the water outage plan is either the daily benefit or the flat-rate benefit displayed in the product details on the website, or, in the case of adjustment based on family structure, the family adjustment coefficient and either the daily benefit or the flat-rate benefit, (3) The subscription information for the power outage plan is either the daily benefit or the flat-rate benefit displayed in the product details on the website, or, in the case of adjustment based on family structure, the family adjustment coefficient and either the daily benefit or the flat-rate benefit, The subscription information input field is an input field for inputting each of the subscription information (1) to (3), The user who subscribes to the compensation plan accesses the server device using the user terminal, displays the product guide on the screen and confirms it, displays the application form and attaches an image file of the front of the user's My Number card to the image attachment section provided on the application form, and further inputs the user's name and contact information in the personal information input section, and (a) if the user wishes to join the housing plan, the user inputs the joining information described in (1) above into the joining information input field; (b) if the user wishes to subscribe to the water outage plan, the user inputs the subscription information described in (2) above into the subscription information input field; (c) if the user wishes to subscribe to the power outage plan, the user inputs the subscription information described in (3) in the subscription information input field; the user terminal transmits the subscription application form of any of (a), (b), and (c), or (a) and (b), or (a) and (c), or (b) and (c), or (a), or (b), or (c) to the server device via a network; The disaster resilience support system of claim 5 or 8, characterized in that the server device displays on a screen an image file of the user's My Number card attached to the received application form, thereby enabling confirmation of the user who will be subscribing to the insurance.

11. The disaster resilience insurance is configured to have a quotation acceptance period, an application acceptance period, a waiting period, and a compensation start date, The quotation acceptance period is a period during which the server device receives the quotation request transmitted by the user terminal when the user wishes to subscribe to the housing plan, and accepts the quotation request, The application acceptance period is a period from the start date of the quotation acceptance period to the closing date of the quotation acceptance period, The waiting period is such that the user cannot purchase the insurance based on a weather forecast. At least 10 days have passed since the closing date of the application acceptance period, The compensation start date is the day after the waiting period ends, When the housing plan is included in the compensation plan to which the user wishes to join, the user terminal transmits the quotation request, into which the subscription information and the user information for the housing plan desired by the user have been input, to the server device via a network by the closing date of the quotation acceptance period, The server device transmits the response to the quotation request by the start date of the application acceptance period. Transmitting the signal to the user terminal via a network; The user terminal accesses the server device via a network, The disaster resilience support system of claim 10, characterized in that an image file of the user's My Number card is attached to the image attachment section of the application form on the website, the user's furigana and contact information are entered in the personal information input field, and the application form in which the subscription information required for subscribing to each of the residential plan, water outage plan, and power outage plan for which the user wishes to subscribe is entered in the subscription information input field is sent by the deadline of the application acceptance period.

12. the server device includes a database means for generating a tabular database based on the plurality of membership applications transmitted by the user terminal via a network after the closing date of the application acceptance period; The database is divided into a number of fields, The plurality of fields include at least the prefecture, city, ward, and county of the user's address, The compensation plan is divided into the insurance amount or compensation limit amount (hereinafter referred to as the insurance amount) of each of the residential plan, the water outage plan, and the power outage plan, The server device further includes an extracting means for extracting addresses of the users from the database by prefecture. A prefecture-specific data file means for generating a plurality of prefecture-specific data files from the extracted databases for each of the plurality of prefectures; a contract management means for storing the plurality of prefecture-specific data files, each of which is assigned a prefecture name, and the database; A sorting means for sorting the plurality of prefecture-specific data files by city, ward, and county; The disaster resilience support system according to claim 11, further comprising:

13. The server device includes an accumulation risk grasping means for tallying up the insurance amounts in the plurality of compensation plans by prefecture or by city, ward, or county, and grasping an accumulation risk by region, The insurance amount in the housing plan is provisionally set at twice the amount of the insurance amount for the damage under the floor, The insurance amount for each of the water outage plan and the power outage plan is calculated based on the family adjustment coefficient. The server device selects a specific prefecture from the plurality of prefecture-specific data files with the prefecture names, and aggregates the insurance amounts for each of the plurality of compensation plans with the aggregate risk grasping means, Furthermore, the sorting means sorts the specified prefecture-specific data file by a plurality of cities, wards, and counties. Sort, The insurance amount for each of the plurality of compensation plans is totaled by the accumulated risk grasping means using the specified prefecture-by-prefecture data file sorted by city, ward, and county; The disaster resilience support system described in claim 12, characterized in that the server device uses the risk aggregation means to aggregate the multiple prefecture-specific data files or the identified prefecture-specific data files sorted by city, ward, or county, thereby making it possible to provisionally grasp the regional concentration risk for each prefecture or city, ward, or county.

14. The server device further includes a QR code generating means, The QR code generating means converts a URL for accessing the insurance policy into a QR code (registered trademark) to generate an insurance policy QR code; Furthermore, the QR code generation means converts the insurance policy, which displays the insurance policy QR code in a blank portion of the insurance policy to be issued to the user who has subscribed to the disaster resilience insurance, into a QR code to generate an insurance policy QR code, An image file of the insurance policy QR code is transmitted to the user terminal via a network; The user terminal is capable of reading a QR code, The disaster resilience support system according to claim 1, characterized in that the server device generates the insurance policy QR code, making it easier for the user to centrally manage the insurance contract.

15. The user terminal includes an insurance contract information sharing means and a backup means, The insurance contract information sharing means shares an image file of the insurance policy QR code, which is contract information of the disaster resilience insurance contracted by the user, with an adult relative living with the user (hereinafter referred to as a relative living with the user) so that the insurance claim procedure can be carried out on behalf of the user in the event of an insured accident under the disaster resilience insurance subscribed to by the user; The backup means uploads and stores an image file of the insurance policy QR code in a cloud provided by an Internet service provider used by the user in preparation for a case where the user terminal becomes unavailable or the user is unable to use the user terminal; The user terminal is capable of communicating with the relative device of the cohabiting relative via a network, The relative device is capable of reading a QR code, The server device stores an image file of the insurance policy QR code transmitted by the server device. And upload and store the data in the cloud via a network; Further, an image file of the insurance policy QR code is sent to the relative's device, and if the user has difficulty in filing a claim for the disaster resilience insurance, the cloud is accessed to read the image file of the insurance policy QR code stored therein, and an email is sent to the relative's device to inform the user that the claim for the insurance will be filed. The disaster resilience support system described in claim 14, characterized in that the user terminal uses the insurance contract information sharing means and the backup means to store an image file of the insurance policy QR code in which the insurance contract is centralized so that the insurance contract does not go unclaimed in the cloud, thereby allowing the user to manage the insurance contract.

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