JPH10293794A - Insurance diagnosis planning device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance diagnosis planning device which simplifies insurance calculation and allows customers to easily grasp insurance contents. SOLUTION: This device has a selection inputting means 1 which selects types of car insurance and fire insurance and selects and inputs current basic conditions, a current basic condition storing file 2, a calculating means 3 which calculates various insurance amounts and insurance premiums, an insurance cover range storing file 4 which stores maximum compensation range content which is selectable in each insurance type and is covered by insurance and its image in default, an insurance cover range extracting means 5 which reads the content of a compensation range that is covered by insurance and its image, its image displaying means 6, an insurance content file 7, a current insurance range calculating means 8 which calculates insurance content that corresponds to a current basic condition, a display converting means 9 which shows the content of the current insurance range that is calculated by the means 8 in color among contents of compensation range that is covered by insurance and shows contents of the other insurance ranges in monochrome and an amount displaying means 10 which shows various calculated insurance amounts and insurance premiums.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance diagnosis designing apparatus which can easily calculate insurance and understand insurance contents.

[0002]

2. Description of the Related Art When designing insurance products, various conditions are heard from customers while showing pamphlets and the like.
Based on this, insurance calculations were made to determine the insurance content (including insurance amount and premium) that satisfied the customer's requirements.

[0003]

If the customer is not satisfied with the conditions, it is necessary to change the conditions and perform the insurance calculation again to find out new insurance contents. However, due to the complexity of this insurance calculation, it is often difficult to design a policy that changes the conditions many times and recalculates it to satisfy the customer.
It was virtually difficult. In addition, customers do not always know detailed insurance conditions and insurance contents during insurance design, and are often not satisfied with the determined insurance contents. For this reason, there is a problem that both the seller of the insurance and the customer take time and effort to obtain satisfactory results.

The present invention has been made in view of the above-mentioned problems of the prior art, and aims to provide an insurance diagnosis design apparatus which can easily perform insurance calculations and make it easy for customers to grasp insurance contents. It is.

[0005]

Therefore, the insurance diagnosis designing apparatus according to claim 1 of the present invention selects an insurance type (for example, a type such as car insurance or fire insurance) or a selection of the insurance type. Selection input means for selecting and inputting basic conditions; a current basic condition storage file for storing the current basic conditions selected and input by the selection input means and / or the current basic conditions set by default; Calculation means for calculating various insurance amounts and premiums based on the current basic conditions stored in the condition storage file, and the contents of the maximum coverage that can be selected for each insurance type and covered by the insurance and the contents thereof The insurance coverage is stored from the insurance coverage storage file based on the insurance coverage storage file storing the image by default and the insurance type selected by the selection input means. Insurance coverage range extraction means for reading the contents of the coverage area and an image showing the contents, image display means for displaying the image, and an insurance content file for storing the insurance contents determined by one or more basic condition items. Current insurance range calculating means for obtaining insurance contents corresponding to the current basic conditions selected / input by the selection input means and / or the current basic conditions set by default based on the insurance content file; From the contents of the coverage range to be converted into those corresponding to the contents of the current insurance range calculated by the current insurance range calculation means and the contents of the other insurance ranges to the image display means. Display conversion means for giving a signal and displaying in different display formats, and money amount display means for displaying various insurance amounts and premiums calculated by the calculation means It is basically characterized by having a. Here, the current basic conditions are the basic conditions required for insurance calculation (hereinafter referred to as “basic conditions”, which are prepared by default and entered during insurance calculation) and correspond to the insured (customer) side. Or, it refers to a unique condition that the insured person satisfies. These are selected and input by the above-mentioned selection input means, or are preset in the current basic condition storage file. In addition, the contents of the coverage covered by insurance are the contents of insurance covered by insurance (for example,
Or fire insurance, earthquake, tsunami, eruption compensation, etc.). Further, the image displayed by the image display means is, for example, in the case of objective compensation for automobile insurance, a graphic display of a state in which a car has plunged into a house, or in the case of fire insurance for fire insurance, a fire ignites from a house. This is a display by graphics in a state where the image is displayed, and may be displayed as an icon when a screen conversion switch as described later is provided. In addition, when the display conversion means displays in a different display format, for example, displays in a different display format, such as color display or monochrome display between the two, or displays an X mark on the insurance content that is not compensated for in the graphics Means to display in the format shown above.

[0006] The insurance diagnosis design device according to the second aspect has the above-described configuration according to the first aspect, and also allows the image display means to convert a screen by using a selection input means. The present basic condition stored in the current basic condition storage file is changed by using the selection input means on the image display means provided with a simple screen conversion switch and displaying the screen converted by the screen conversion switch. A condition change switch capable of changing the current basic condition by the condition change switch, causing the calculating means to recalculate various insurance amounts and premiums, and / or the current insurance range calculating means. Is required to renew the contents of insurance, update them, and / or change the display format of the image.

According to a second aspect of the present invention, the current basic condition includes an insurance amount and / or an insurance premium, and when the insurance amount and / or the insurance premium is changed by the condition change switch, calculation is performed. Means for recalculating the insurance premium and / or the insurance amount, and causing the current insurance range calculating means to calculate the insurance details again, and changing the display format of the image displayed on the image display means by the display conversion means. Is also good.

[0008]

In the above configuration, when the target insurance type is selected by the selection input means, the contents of the selectable and maximum coverage covered by the insurance and stored in the insurance coverage storage file are displayed. The image is read by the insurance coverage extracting unit, and the image is displayed on the image display unit. Further, based on the current basic conditions selected / input from the selection input means or stored in the current basic condition storage file by default, the insurance amount or premium is calculated by the calculating means, and these are displayed by the amount display means. You. Also, based on the insurance content file, the insurance content corresponding to the current basic condition is obtained by the current insurance range calculation means, and the current insurance coverage is calculated by the display conversion means from the contents of the maximum coverage covered by the insurance. The contents corresponding to the contents of the current insurance range obtained by the range calculating means and the contents corresponding to the other insurance ranges are displayed on the image display means in different display formats. Therefore, the details of the insurance that the customer is trying to subscribe to or has already subscribed to are displayed graphically, which makes it easy for the customer to grasp the contents and that the insurance calculation can be easily performed. Further, in the configuration of claim 2, screen conversion is performed by a screen conversion switch provided in the image display means, and the condition input switch is provided on the image display means for displaying the converted screen. When the current basic condition stored in the current basic condition storage file is changed using the means, the various insurance amounts and premiums are recalculated by the calculating means as necessary, and these are displayed by the amount displaying means. Will be displayed again.
Also, if necessary, the insurance content is obtained again, and the insurance screen display is updated (the display format of the image is changed). Therefore, if there is any change in the underlying conditions for setting insurance, the changed insurance will be recalculated promptly and the insurance content will be re-displayed, which will further enhance the content for customers. Is easy to grasp. In the case where the current basic conditions include the insurance amount and the insurance premium, the insurance premium and the insurance amount are recalculated by the calculating means when the insurance amount and the insurance premium are changed by the condition change switch. At the same time, the insurance contents are calculated again by the current insurance range calculating means, and the changed contents are displayed on the image display means in a display format different from the previous one by the display converting means. The insurance design based on the amount of money or the insurance premium becomes possible, and the insurance contents are more easily understood by the customer.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the insurance diagnosis designing apparatus according to the present invention will be described below. FIG. 1 is a block diagram showing a configuration of a computer constituting the present apparatus. In the figure, reference numeral 100a denotes a keyboard constituting the selection input means, and 100b denotes a pointing device also constituting the selection input means. Numeral 110 denotes an arithmetic and control unit such as a CPU provided in the computer, which calculates the insurance amount and premium by the calculating means, reads out the contents of the insurance coverage and its image by the insurance coverage extracting means, and calculates the current insurance range Calculation of insurance contents, screen output control of each display means, screen output control of the image display means by the screen conversion means, input / output control of data stored in each file, and the like. Reference numeral 120 denotes C constituting each display means for displaying a selection input screen and an output screen.
The RT 130 stores a current basic condition storage file for storing the current basic conditions, an insurance coverage storage file for storing an image representing the maximum coverage covered by the insurance and its contents, an insurance content file for storing the insurance contents, and the like. This is a storage device including an internal storage device such as a RAM and a ROM, which constitutes each file, and an external storage device such as a hard disk.

FIG. 2 is a functional block diagram of the configuration of the present embodiment, wherein reference numeral 1 denotes a selection input means comprising the keyboard 100a and the pointing device 100b;
2 is a current basic condition storage file composed of the storage device 130, 3 is a calculating means composed of the operation control unit 110, 4 is an insurance coverage storage file composed of the storage device 130, and 5 is an operation control unit 110. Insurance coverage range extraction means, 6 is an image display means made up of a CRT 130, 7 is an insurance content file also made up of a storage device 130, 8 is an operation control unit 110
The current insurance range calculation means 9 is composed of a display conversion means 9 composed of the arithmetic and control unit 110, and the CRT 13 is
This is an amount display means constituted by 0. In addition, in the present embodiment, a screen conversion switch 60 capable of converting a screen into a suggestion screen described later is provided on the image display unit 6 as a screen conversion icon, and the icon is clicked on the pointing device 100b. On the suggestion screen to be converted, a condition change switch 61 that can change the current basic condition stored in the current basic condition storage file 2 by further inputting with the keyboard 100a and clicking with the pointing device 100b is displayed with a condition change icon. It is prepared as.

In the selection input means 1, according to the screen display,
By operating the pointing device 100b, the insurance types of the target automobile insurance and fire insurance can be selected, and the current basic conditions can be input by the keyboard 100a. In this configuration, the current basic conditions are, in the case of car insurance, the type of car to be insured, the insured person, their family and their age and licenses, the type of contract to be selected, It describes insurance contracts, contract information, etc., and in the case of fire insurance,
Types of buildings / household goods, addresses of the target property, types such as exclusive use of the housing, exclusive use of the store, exclusive use of the store, etc. Refers to various conditions.

The current basic condition storage file 2 stores the current basic conditions selected and input by the selection and input means 1, and the current basic conditions which have not been input are obtained in advance by a statistical or original method. Basic conditions are stored.

The calculating means 3 refers to the current basic conditions stored in the current basic condition storage file 2 based on a specific calculation formula prepared for insurance calculation, and calculates the insurance amounts and premiums of various insurances. calculate.

The insurance coverage data file 4 stores, by default, the contents of the maximum coverage that can be selected for each insurance type and is covered by insurance, and an image representing the contents. That is, in this configuration, all items such as objective / person-to-person compensation, vehicle compensation, etc., which are covered by automobile insurance, and fire compensation, earthquake / tsunami / eruption compensation, etc., which are covered by fire insurance, are stored.

The insurance coverage extracting means 5 reads from the insurance coverage storage file 4 the contents of the coverage covered by the insurance and an image showing the contents. In this configuration, the arithmetic and control unit 110 is used, but the present invention is not limited to this, and a DMA or the like may be used.

The image display means 6 displays an image representing the contents of the coverage covered by the insurance, which is read from the insurance coverage storage file 4 based on the insurance type selected by the selection input means 1. It is a window screen. FIG. 3A shows an image display window screen for car insurance, and FIG. 3B shows an image display window screen for fire insurance.

The insurance contents file 7 stores general insurance contents that are determined in advance by one or more basic condition items regardless of the current basic conditions specific to the insured person. In the case of car insurance, family limited special contracts specified by the insured and their families, driver age special contracts determined by the age and license of these persons, and other optional insurance special contracts (such as passenger injuries and Death insurance), and in the case of fire insurance, the basic framework of insurance determined by the choice of insurance target of building or household goods and the choice of insurance type of throw-away type or funded type, simplification of houses and household goods A valuation table and other selectable insurance contracts are stored.

The current insurance range calculation means 8 is based on the insurance content file 7 and has insurance contents corresponding to the current basic conditions selected and input by the selection input means 1 and / or the current basic conditions set by default. Ask for. That is, the current basic conditions specific to the insured person are applied to the corresponding basic conditions in the insurance content file 7, and then the insurance content suitable for the insured person is calculated.

The display conversion means 9 selects one of the contents of the coverage covered by the insurance (see FIG. 3) corresponding to the contents of the current insurance range calculated by the current insurance range calculation means 8 and the others. A conversion signal is given to the image display means 6 so as to be displayed in a different display format between those corresponding to the contents of the insurance range. Specifically, the items corresponding to the insurance content to be compensated for the insured are displayed in color, and the items corresponding to the non-insured insurance content are displayed in monochrome. Of course, the present invention is not limited to this, and an X mark or the like may be displayed on the graphics image of the item corresponding to the non-compensation insurance content.

The amount display means 10 is a window screen for displaying the insurance amounts and premiums of the various insurances calculated by the calculation means 3. In this configuration, since the current basic condition includes the insurance amount and the insurance premium as described later, an input window for inputting and changing the amount is provided on the window screen of the amount display means 10. By clicking on the screen display with the pointing device 100b, the insurance money and premium can be input by the selection input means 1.

The screen conversion switch 60 is configured by setting graphics on the image screen as shown in FIG. 3 displayed on the image display means 6 as icons, and the pointing device 1 of the selection input means 1.
00b can then be clicked on to convert it to another suggestion screen as shown in FIG.

The condition change switch 61 includes icons 61a to 6g as shown in FIG. 4 displayed on the suggestion screen converted by the screen conversion switch 60.
1c, and has a function of changing the current basic condition stored in the current basic condition storage file 2 by clicking the pointing device 100b thereover. ,
Thus, when the current basic conditions are changed, the calculation means 3 is caused to recalculate the insurance amounts and premiums of various insurances, and the current insurance range calculation means 8 is asked again for the insurance contents. And / or change the display format of the image.

Further, in the present configuration, the insurance amount and / or the insurance premium are included in the current basic condition, and when the insurance amount and / or the insurance premium are changed by the condition change switch 61, the calculation means 3 is set. The insurance premium and / or the insurance amount are recalculated, the current insurance range calculation means 8 calculates the insurance contents again, and the display conversion means 9 changes the image display on the image display means 6 to color display or monochrome display. It has become.

In the configuration of the present embodiment having the above configuration,
As shown in FIG. 5, when the target insurance type is selected (selection of car insurance and fire insurance) by the selection input means 1 (S1, S2, S3), the insurance type is stored in the insurance coverage storage file 4. The contents of the compensation range that can be selected and covered by the insurance and an image representing the contents are read out by the insurance coverage extracting unit 5 (S4, S5), and shown in the image display unit 6 in FIG. This is shown as a screen display of car insurance (S6) or a screen display of fire insurance (S7) shown in FIG. Further, based on the current basic conditions on the insured person side, the calculating means 3 selects the amount of the insurance money from the selection and input means 1 (S8) or is stored in the current basic condition storage file 2 by default (S9). The insurance premiums are automatically calculated (S10), and are displayed on the window screen on the amount display means 10 (S11). Further, based on the insurance content file 7, the insurance content corresponding to the current basic condition is obtained by the current insurance range calculation means 8 (S12), and the display conversion means 9 selects from the contents of the coverage covered by the insurance. Those corresponding to the contents of the current insurance range calculated by the current insurance range calculation means 8 are displayed in color (S13), and those corresponding to the contents of the other insurance ranges are displayed in monochrome (S14), and displayed as images. Means 6 are shown. Therefore, the contents of the insurance that the customer is trying to subscribe to or has already subscribed to are displayed graphically, which makes it easy for the customer to grasp the contents. As shown in FIG. 6, when the icon which is the screen conversion switch 60 provided in the image display means 6 is clicked with the pointing device 100b (S15), the screen conversion is performed, and as shown in FIG. The screen display is changed to the suggestion screen (S1
6) Further, by clicking the icon 61b or 61c, which is the condition change switch 61 on the suggestion screen, with the pointing device 100b (S17), the current basic condition stored in the current basic condition storage file 2 is changed. In this case (overwriting to the current basic condition storage file, S18), the calculating means 3 recalculates the insurance amounts and premiums of the various insurances (S1).
9), these are re-displayed by the amount display means 10 (S20). If the insurance content is accompanied by a change (S21), the insurance content is calculated again by the current insurance range calculation means 8 (S22), and the insurance screen display is updated (change of monochrome display / color display for each insurance item). Do, S
23). Therefore, if there is any change in the underlying conditions for setting insurance, the changed insurance will be recalculated promptly and the insurance content will be re-displayed, which will further enhance the content for customers. Is easy to grasp. When an input window for inputting and changing the amount of money in the amount display means 10 is clicked with the pointing device 100b, the keyboard 10 of the selection input means 1 is clicked.
From 0a, the insurance amount and premium can be input, and these items can be input and changed by using the condition change switch 61 or by using the input window. In addition, since the insurance amount and / or the insurance premium are included in the current basic conditions, when the insurance amount and / or the insurance premium is changed by the condition change switch 61, the insurance premium and / or the insurance premium and / or The insurance amount is recalculated, the insurance contents are calculated again by the current insurance range calculation means 8, and the changed contents are displayed on the image display means 6 by the display conversion means 9 in a display format different from the previous one. In other words, the display is made in color or monochrome, so that the insurance design can be made based on the insurance amount or premium desired by the customer, and the insurance contents can be more easily understood by the customer.

[0025]

According to the configuration of the present invention described in detail above, the contents of the insurance that the customer is trying to join or has already joined are displayed graphically, and the contents can be easily grasped for the customer. Insurance calculations can be performed easily. According to the second aspect of the present invention, it is possible to use the condition change switch to change the basic conditions for setting the insurance. In this case, the insurance amount and the insurance premium after the change are changed. The calculation and recalculation of the insurance content are performed promptly, and the content of the range covered by the insurance is redisplayed as an image, so that the customer can more easily understand the content. Further, in the case where the current basic conditions include the insurance amount and / or the insurance premium, if the insurance amount and / or the insurance premium is changed by the condition change switch, the insurance premium and / or the insurance premium are re-established. As the calculation is performed, the insurance contents of the current insurance range are calculated again, and the changed contents are displayed on the image display means in a display format different from the previous one, so that the insurance amount or insurance desired by the customer is obtained. The insurance design based on the fee becomes possible, and the insurance contents are more easily understood by customers.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a computer constituting the present apparatus.

FIG. 2 is a functional block diagram of the configuration of the embodiment.

FIG. 3 is an explanatory diagram showing an image display window screen for car insurance and an image display window screen for fire insurance.

FIG. 4 is an explanatory diagram showing a suggestion screen displayed by screen conversion.

FIG. 5 is a flowchart showing a basic processing flow of the apparatus having the configuration of the present embodiment.

FIG. 6 is a flowchart showing a processing flow following the basic processing flow.

[Explanation of symbols]

 1 selection input means 2 current basic condition storage file 3 calculation means 4 insurance coverage storage file 5 insurance coverage extraction means 6 image display means 7 insurance content file 8 current insurance range calculation means 9 display conversion means 10 amount display means 60 screen conversion Switch 61 Condition change switch 61a, 61b Icon 100a Keyboard 100b Pointing device 110 Arithmetic control unit 120 CRT 130 Storage device

Claims (3)

[Claims] 1. Selection input means for selecting a target insurance type or selecting the insurance type and selecting / inputting a current basic condition, and a current basic condition and / or default selected / input by the selection inputting means. A current basic condition storage file for storing the current basic conditions set in the above; a calculating means for calculating various insurance amounts and premiums based on the current basic conditions stored in the current basic condition storage file; An insurance coverage storage file that stores, by default, the contents of the maximum coverage that can be selected and covered by the insurance, and an image that represents the contents, and the insurance coverage based on the insurance type selected by the selection input unit. Insurance coverage extracting means for reading the contents of the coverage covered by the insurance and an image showing the contents from the storage file, and an image for displaying the image Display means, an insurance content file storing insurance content determined by one or more basic condition items, and a current basic condition and / or selected and input by the selection input means based on the insurance content file. Equivalent to the contents of the current insurance coverage calculated by the current insurance coverage calculation means from the current insurance coverage calculation means for obtaining the insurance content corresponding to the current basic conditions set by default and the coverage covered by the insurance Display conversion means for giving a conversion signal to the image display means and displaying the same in a different display format between those which correspond to the contents of the insurance range and those which correspond to the contents of the other insurance ranges, and the various insurance amounts calculated by the calculation means And an amount display means for displaying an insurance premium. 2. Selection input means for selecting a target insurance type or selecting the insurance type and selecting / inputting a current basic condition, and a current basic condition and / or a default selected / input by the selection input means. A current basic condition storage file for storing the current basic conditions set in the above; a calculating means for calculating various insurance amounts and premiums based on the current basic conditions stored in the current basic condition storage file; An insurance coverage storage file that stores, by default, the contents of the maximum coverage that can be selected and covered by the insurance, and an image that represents the contents, and the insurance coverage based on the insurance type selected by the selection input unit. Insurance coverage extracting means for reading the contents of the coverage covered by the insurance and an image showing the contents from the storage file, and an image for displaying the image Display means, an insurance content file storing insurance content determined by one or more basic condition items, and a current basic condition and / or selected and input by the selection input means based on the insurance content file. Equivalent to the contents of the current insurance coverage calculated by the current insurance coverage calculation means from the current insurance coverage calculation means for obtaining the insurance content corresponding to the current basic conditions set by default and the coverage covered by the insurance Display conversion means for giving a conversion signal to the image display means and displaying the same in a different display format between those which correspond to the contents of the insurance range and those which correspond to the contents of the other insurance ranges, and the various insurance amounts calculated by the calculation means And an amount display means for displaying an insurance premium, and the image display means can convert a screen by using a selection input means. It is also possible to change the current basic condition stored in the current basic condition storage file by using the selection input means on the image display means provided with the conversion switch and displaying the screen converted by the screen conversion switch. A condition changing switch capable of changing the current basic condition by the condition changing switch, causing the calculating means to recalculate various insurance amounts and premiums, and / or An insurance diagnostic design apparatus wherein the contents are obtained again, and these are updated and / or the display format of the image is changed. 3. The insurance diagnostic design apparatus according to claim 2, wherein the current basic condition includes the insurance amount and / or the insurance premium, and the insurance amount and / or the insurance premium is changed by the condition change switch. In this case, the calculating means recalculates the insurance premium and / or the insurance amount, and at the same time, causes the current insurance range calculating means to obtain the insurance details again, and changes the display format of the image displayed on the image display means by the display converting means. 3. The insurance diagnosis design device according to claim 2, wherein