WO2002025517A1

WO2002025517A1 - Insurance procedure service method, insurance procedure service terminal, and insurance information database

Info

Publication number: WO2002025517A1
Application number: PCT/JP2000/006444
Authority: WO
Inventors: Hideki Kosaku
Original assignee: Kabushiki Kaisha Toshiba
Priority date: 2000-09-20
Filing date: 2000-09-20
Publication date: 2002-03-28

Abstract

An insurance claiming service agent acts for an insurance contractor to put in a claim of an insurance that the insurance contractor carries (step S13). When the insurance contractor notifies the agent of the situation and consults with the agent about whether or not the contractor can receive payment by the insurance (step S21), the agent judges, referring to the conditions of the insurance that the contractor carries, whether or not the contractor can receive the payment and sends the results of the judgment to the insurance contractor (S25). When the agent judges that the contractor can receive the payment and when the agent receives the request of the contractor to put in a claim (step S26), the agent applies the claim to the insurance company.

Description

Description Insurance procedure agency service method, insurance procedure agency terminal, and insurance information database TECHNICAL FIELD The present invention relates to an insurance procedure agency service method for facilitating insurance contracts and applications of policyholders who have taken out various types of insurance. And so on. BACKGROUND ART Conventionally, when each person wants to take out life insurance, car insurance, etc., an insurance contract is concluded with an insurance company that sells each insurance. In the event that it becomes probable that these insurance policies will be applied, the policyholder should read the insurance contract concluded earlier and, if unsure, contact the insurance company directly. When she was found to be eligible for insurance, she applied to the insurer for insurance, prepared various documents and proceeded with the procedure.

However, even if you read the insurance contract carefully when you enrolled, it is very difficult for someone who has no experience to judge whether or not the above conditions for application of insurance are met.

Also, even if it is found to be applicable, we will prepare various documents necessary for applying for insurance, prepare necessary documents such as hospitalization, injury, going to hospital, property damage, etc., and prepare other materials. This is very cumbersome for policyholders who are unfamiliar with these tasks, and it takes considerable time to apply insurance.

Therefore, the general public can determine whether to apply for insurance while insured. And the tediousness of the subsequent procedures, which led to the unfairness that the appropriate person could not be covered by the insurance. < There were many documents to prepare and it was very difficult for those who were not familiar.

The present invention has been made in view of the conventional difficulty in determining whether or not to apply insurance as described above, and the complicated procedure for applying for insurance. In addition, the purpose is to provide an insurance procedure agency service method that does not require complicated procedures for insurance application. Another object of the present invention is to provide an insurance procedure agency service method and the like in which the procedure for joining insurance is easy.

Still another object of the present invention is to provide an insurance procedure agency terminal and an insurance information database suitable for the insurance procedure agency service method. DISCLOSURE OF THE INVENTION According to Paragraph 1, the insurance policyholder accepts an insurance procedure acceptance step for accepting a procedure on behalf of an insurance company for an insurance contract that has already been contracted, and the insurance policy based on the insurance contract accepted by this insurance procedure agency step. Insurance status notification receiving step of receiving a notification of insurance-related status from the customer, and an insurance application determining step of determining whether the insurance contract already concluded can be applied to the status notified by the insurance status notification receiving step. A notification result notification step of notifying the policyholder of a result determined in this step; An insurance application agency step of applying for the insurance contract upon receiving a request from the insurance policyholder if the judgment step is a result indicating that insurance can be applied. Provide a service method.

Further, according to claim 2 of the present invention, when the insurance application determination step is a result indicating that insurance can be applied, the request from the insurance policyholder is And an insurance application application step of receiving the insurance contract application application. 3. The method of claim 1 of the present invention, wherein: If the result of the step indicates that the insurance can be applied, receive the request from the policyholder, collect the documents required for application and send it to this policyholder for entry, and receive the return of this document. 2. The insurance procedure agency service method according to claim 1, further comprising: an insurance application step for applying the insurance contract.

Also, according to claim 4 of the present invention, an insurance procedure proxy accepting step of accepting a procedure for an insurance company for an insurance contract that has already been contracted from an insurance policyholder, and receiving a notification from the insurance policyholder. An insurance information storing step of storing the contents of the insured insurance in an insurance information database at an instant; an insurance status notification receiving step of receiving a notification of a status of the insured insurance from the insured policyholder; A step of retrieving the insurance information database for the status notified by the notification receiving step and determining whether or not the insured insurance can be applied; and A judgment result notification step for notifying the contractor; and An insurance application proxy service method characterized by comprising an insurance application application step of applying for application of the insurance contract in response to a request from an insurance policyholder.

According to claim 5 of the present invention, the policyholder accepts a procedure for the insurance company with respect to the insurance contract which has already been contracted, and receives the notice from the policyholder regarding the contents of the insurance policy. An insurance procedure agency fee collecting step of storing the information in the insurance information database and collecting a fee corresponding to the number of the insurance contracts; and receiving a notification of a situation that has occurred with respect to the insurance policy from the insurance contractor, An insurance status notification receiving fee collecting step of collecting the corresponding predetermined amount as a fee, and searching the insurance information database for the status notified by this step. An insurance application determining step for determining whether or not the insured insurance can be applied; a determination result notification step for notifying the policyholder of a result determined in this step; and an application determining step in which the application determining step Insurance application fee collecting step of receiving the request from the insurance policyholder, applying the insurance policy application upon receiving the request, and collecting a predetermined fee. Provide agency service methods.

According to claim 6 of the present invention, an insurance information collecting step of collecting information on each insurance contract, and an insurance information storing step of storing the collected information on the insurance contract in a predetermined insurance information database. A step of receiving an insurance procedure agency notification from a policyholder who wishes to conclude an insurance contract with the policyholder who wishes to conclude the insurance contract, and receiving a notification of the insurance contract that the person wishes to conclude; A step of concluding a contract on behalf of the insurance contractor on behalf of the insurance contractor; a step of receiving a notice of insurance status from the insurance contractor based on the concluded insurance contract; Insurance application decision step to determine whether or not the insurance contract concluded can be applied for the situation A result notification step for notifying the policyholder of the result of the insurance, and applying the insurance contract upon receiving a request from the policyholder if the result of the application determining step is that the insurance is applied. An insurance procedure service method characterized by comprising an insurance application step of making an application.

According to claim 7 of the present invention, an insurance information collecting step of collecting information on each insurance contract, an insurance information storing step of storing the collected insurance contract information in a predetermined insurance information database, A policy holder who wishes to conclude an insurance contract accepts a proxy for the business of the insurance contract, receives notification of the insurance contract he / she wants to conclude, and collects a prescribed fee according to the number of insurance contracts concluded. Collecting a commission for receiving an insurance agent acceptance notice, and executing an insurance contract on behalf of the insurance contractor for the notified insurance contract. Insurance contract concluding step, receiving a notice of the insurance situation from the policyholder based on the concluded insurance contract, determining whether the concluded insurance contract can be applied in this situation, and collecting a predetermined fee. An insurance application determination fee collection step to be performed, a determination result notification step of notifying the policyholder of a result determined in this step, and a case where the application determination step is a result indicating that insurance is applied. An insurance application agency service method characterized by comprising an insurance application application fee collecting step of applying an application of the insurance contract in response to a request from the insurance contractor and collecting a predetermined fee.

According to claim 8 of the present invention, an insurance procedure acceptance means for accepting a surrogate for a procedure for an insurance company with respect to an insurance contract already in effect from an insurance policyholder, and an insurance scheme accepted by the insurance procedure surrogate acceptance means An insurance status notification receiving means for receiving a notification of the status of insurance from the insurance policyholder with respect to the contract, and determining whether the insurance contract already concluded can be applied to the status notified by the insurance status notification receiving means. Insurance application determination means to perform, a determination result notifying means for notifying the policyholder of the result determined by the insurance application determination means, and a result indicating that the insurance application determination means can receive insurance application. Insurance application agency means for applying for the application of said insurance contract in response to a request from said insurance policyholder. To provide.

According to claim 9 of the present invention, insurance information collecting means for collecting information on each insurance contract, insurance information storing means for storing the collected insurance contract information in a predetermined insurance information database, An insurance procedure agency notification receiving means for accepting a proxy for the business of an insurance contract from the insurance contractor who wishes to conclude and receiving notification of the insurance contract that the person wishes to conclude; Agency insurance contract concluding means for concluding a substitute contract, insurance status notification receiving means for receiving a notification of the status of insurance from the policyholder based on the concluded insurance contract, and insurance concluded in relation to the received status Security to determine eligibility for contract Insurance application judging means, a judgment result notifying means for notifying the result of the judgment made by this means to the insurance policyholder, and the insurance contract if the judgment by the application judging means is a result indicating that insurance can be applied. An insurance application agent means for applying the insurance contract in response to a request from an insurance provider.

According to claim 10 of the present invention, there is provided an insurance content storage means for storing, for each insurance policyholder and each insurance policy, the details of the insurance policy which is already contracted by a plurality of insurance policyholders, Means for reading out the policyholder who sent the notification and the contents of the person's insurance contract when the notification of the situation is received, and the conditions of application of the stored insurance contract for the notified situation. Means for determining and outputting whether or not the insurance information is satisfied is provided.

According to claim 11 of the present invention, insurance information accumulation means for collecting and accumulating general information on insurance of each insurance company, and in response to an inquiry from an insurance policyholder who wishes an insurance contract, And an insurance contract output means for outputting the contents of the insurance contract of the inquiry. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram showing a processing flow of a service method according to an embodiment of the present invention, FIG. 2 is a diagram showing an entire insurance procedure acting system according to an embodiment of the present invention, and FIG. FIG. 4 is a diagram showing an example of an input screen of an insurance contractor terminal in user registration in the above embodiment of the present invention, FIG. 4 is a diagram showing an example of an input screen of an insurance contractor terminal in insurance registration in the above embodiment of the present invention, and FIG. FIG. 6 is a diagram showing an example of an input screen of the policyholder terminal in the consultation on whether or not to apply insurance in the embodiment. FIG. 6 is also a diagram showing an example of an input screen of the policyholder terminal in the consultation on whether or not insurance is applied in the above embodiment. FIG. 8 is a diagram showing a processing flow of a service method according to another embodiment of the present invention. It is a figure showing the whole insurance procedure agency system. BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing a flow of processing of an insurance application agent service method according to an embodiment of the present invention, and FIG. 2 is a diagram showing a configuration example of the insurance application agent system.

In FIG. 2, the system includes a network 21, an insurance company A terminal 22 a, an insurance company B terminal 22 b, and a policyholder terminal 23 a, respectively connected to the network. 23 3 b, 23 c, an insurance application agent terminal 24, and an insurance information database 25 connected to the insurance agent terminal 24.

For the sake of simplicity of description of the embodiment of the present invention, FIG. 2 shows only a few insurance company terminals and only two or three policyholder terminals, but these terminals are often provided. As for the insurance application agent terminal 24, if the number of people who perform this task increases, the number of terminals used by the company will naturally increase.

The insurance agent terminal 24 is a terminal for the insurance agent to communicate with insurance company A, insurance company B, and each insurance policyholder under the outsourcing of insurance application from the policyholder. Information on policyholders and insurance companies is stored in an insurance information database 25 connected to this terminal.

The insurance company A terminal 22a and the insurance company B terminal 22b are terminals used by the insurance company A and the insurance company B when concluding and applying for insurance contracts, respectively. The insurance contractor terminals 23a and 23b , 23c are terminals used when each person concludes an insurance contract with an insurance company, outsources the work to an insurance application agent, and inquires about whether or not to apply for insurance.

Next, the operation of this embodiment will be described. In step S11 of Fig. 1, for example, policyholder a accesses insurance company A terminal 22a via its own policyholder terminal 23a, for example, and takes out insurance company A insurance. do. Next, in step S12, similarly, the policyholder a accesses, for example, the terminal of the insurance company B, and takes a procedure to join the insurance of the insurance company B.

In step S13, the policyholder a who has taken out the two insurances, from the policyholder terminal 23a, obtains the insurance agent terminal 2 4 Outsourcing to outsource business such as insurance application claims.

Fig. 3 shows an example of the input screen of the policyholder terminal 23a at this time. Under the title "User Registration", "Please enter your name" is displayed first, prompting you to enter the name of the policyholder. Below this, "Please enter your address" is displayed, prompting you to enter that address. “Enter your card number” is displayed, prompting you to enter a credit card number. After completing these entries, click the “Next” button 3 1 in the lower right, and the “Insurance Registration” input screen shown in Fig. 4 will appear. Please enter the type "is displayed, and the insurance type input section is displayed. Here, you can click the “Select” button 41 on the right side to display the types of insurance such as death insurance, disability insurance, and car insurance as options from a pull-down menu, etc., and select from them. If there is no choice, you can enter it directly.

Below that, "Please enter the name of the insurance company" is displayed, and an entry field is shown. In this case as well, you can click the “Select” button 4 2 on the right side of the screen and display the insurance company name as an option from the pull-down menu, from which you can select the insurance company name.

Below that, the message "Please enter your insurance card number j" is displayed, prompting you to enter your insurance card number. Once these entries have been made, click the "Send" button 4 3 in the lower right corner. The outsourcing of the billing agency business and information on the insurance that has already been subscribed are sent to the insurance agency terminal 24.

The insurance agent entrusted by the business agent checks the insurance company A's insurance and the insurance company B's insurance contracted by policyholder a, and If you need to contact us, with respect to insurance coverage agent terminal 2 4 to access the terminal 2 2 a, 2 2 b of the insurance company A and the insurance company B from, _c this inquiry to carry out a complementary investigation, step S If there is a response from insurance company A or insurance company B in step 16, connect the contents of the insurance that policyholder a has joined, including the contents of the supplementary survey, to this terminal 24 in step S17. It is stored in the insurance information database 25.

In this way, pre-procedures for applying insurance, such as the conclusion of an insurance contract and the commissioning of an agency by an insurance agent, are completed.

Although the insurance card number is entered in the above description, the insurance agent may issue a receipt number when accepting insurance business, and input the receipt number. Next, I will explain the procedure in the event that the policyholder is in a situation where insurance is likely to be covered.

When the policyholder has suffered an accident or has been placed in a situation where insurance may be applied, in step S21 in Figure 1, the policyholder may switch from terminal 23a to insurance agent terminal 24. Contact your insurance agent to find out if your insurance coverage is available. Figure 5 shows an example of the input screen of the policyholder terminal 23a at this time. Under the title of "Consultation on Insurance Applicability", the message "Please enter your name first" is displayed, indicating the input section and prompting you to enter the name of the policyholder who consults if insurance is applied. .

Below that, "Enter your card number" is displayed, indicating the input area and prompting you to enter your card number.

The message "Please enter your insurance card number" is displayed below it, indicating the entry area and prompting you to enter your insurance card number. When these inputs are completed, click the “Next” button 51 in the lower right corner to move to the input screen shown in Fig. 6, for example.

Also on this screen, under the title of “Consultation on Insurance Applicability”, Please enter your status "and the input section will be shown, prompting you to enter the specific status of whether or not insurance will be applied. The specific situation is, for example, in the case of disability insurance, when, where, and what kind of injury. When these entries are completed, the policyholder clicks the “send” button 61 on the lower right of the screen of Fig. 6 on his / her terminal 23a, and the information necessary for application of insurance is indicated by the insurance application agent. Sent to terminal 24.

Then, the insurance application agent receives the information such as the symptoms sent from the policyholder terminal 23a, and in step S22, the insurance information de- vice connected to its own terminal 24 is completed. 2 Search for 5 to see if any of the insurance policies that policyholder a has satisfies the conditions, that is, is eligible for coverage. If in doubt, in step S 23, the insurance agent can access insurance company B terminal, for example, using his own terminal 24, and can obtain insurance from policyholder a, insurance company B Check the unknown points to determine whether or not. In step S24, the insurance application agent receives the response from insurance company B at the terminal 24, and determines whether or not insurance is applied in the case of the condition consulted by insurance policyholder a in step S24. At 25, respond to policyholder 23a.

For example, if the answer is that the insurance of company B is applicable, insurance policyholder a accesses the insurance application agent terminal 24 with its own terminal 23a in step S26. The insurance company B is requested to apply for insurance through the insurance agent terminal 24 through the insurance agent terminal 24.

If the insured agent who received this response wishes to be covered by insurance, the required documents for policyholder a should be obtained from the policyholder, and the insurance application should be filed. It prepares the necessary documents, etc., and makes an insurance application to insurance company B from its own terminal 24 through insurance company B terminal 22b. Insurer B can collect the required form and send it to the policyholder to complete the application for insurance coverage.

If it is determined that the insurance application received by insurance company B satisfies the conditions for insurance application, in step S27, its own terminal 2 2b Informs that the insurance is applicable through the policyholder terminal 23a and pays a prescribed amount of insurance money.

In the above embodiment, the policyholder accesses the terminals of insurance company A and insurance company B using the terminal 23a to conclude the insurance contract. However, the present invention can be applied to a case where an insurance contract is concluded with an insurance company diplomacy without using a network as in the past.

Further, in the above embodiment, the insurance application agent receives the notification of the insurance that has already been subscribed in step S14 after being entrusted with the agent business such as insurance request in step S13. Was. However, at the same time as the step S13, the step S14 may be carried out on behalf of the immediate service, and at the same time, may be notified of the existing insurance.

In the above embodiment, if the insurance contract of the policyholder can be stored by the terminal 24 of the insurance application agent, the insurance information database 25 is not necessarily required.

As described above, the above-described embodiment has an advantage that the policyholder can delegate only the most difficult insurance application work to make the judgment and application to the agent, so that the present situation can be easily shifted.

The fee received by the insurance agent can be a flat fee or a fee corresponding to the number of insurance contracts when the insurance contractor outsources business such as insurance at step S13 in Fig. 1. Receive as a commission.

In addition, the insurance application agent receives a consultation fee when consulting on the applicability of insurance in step S21, and applies insurance when applying for insurance in step S26 when insurance is applied. It is appropriate to receive from the policyholder a fee corresponding to the number of applications as an application fee. Of course, it is also possible to accept sponsors and not to pay fees from users.

By the way, in the above-described embodiment of the present invention, each contractor has concluded a contract with an insurance company before entrusting business to an insurance application agent. However, it is possible to outsource the application of insurance as well as insurance to the agent.

Next, an embodiment of this type of the present invention will be described with reference to the drawings. FIG. 7 shows a processing flow of this embodiment of the present invention, and FIG. 8 shows a system configuration in this case.

Figure 8 differs from the configuration in Figure 2 in that the agency business entrusted by the policyholder includes not only the application of insurance but also the pre-insurance application such as insurance, so the agent is an insurance agent The terminal is the insurance agent terminal 84. The other numbers 81 to 83 and 85 correspond to the numbers 21 to 23 and 25 in FIG. 1, respectively.

First, in step S71 of FIG. 7, the insurance agent collects general information on insurance handled by each company from insurance companies A and B through its own terminal 84. Then, the insurance agent accumulates the collected information on each insurance in the insurance information database 85.

For example, insurer c outsources the work such as taking out insurance and applying insurance to an insurance agent. In step S73, the insurance contractor terminal 83c accesses the insurance service agent terminal 84 to outsource the business.

Then, it is assumed that policyholder c wants to take out insurance of insurance companies A and B. In this case, the insurance business agent terminal 84 is accessed by the insurer terminal 83c, and the insurance desired to be subscribed, that is, the insurance of insurance companies A and B is obtained by the input screen shown in Fig. 4. Notify the agent (step S74). The insurance agent uses his / her own terminal 84 to purchase insurance company A's insurance in step S75 for policyholder c, and to purchase insurance company B's insurance in step S76. . At this time, if necessary, prepare documents and signatures related to insurer c when enrolling in insurance.

Therefore, policyholder c can subscribe to multiple insurances simply by notifying the insurance agent of the insurance they wish to subscribe to once.

After the insurance member c has taken out the insurance, when consulting about the application of the insurance or when applying for the application of the insurance, it is the same as in the above embodiment.

That is, in step S81, the policyholder c accesses the insurance agent terminal 84 by using the terminal 83c, and consults whether or not insurance is applicable. At that time Let us know the situation. Then, the insurance agent retrieves the insurance information database 85 from the terminal 84 and checks whether the insurance can be applied in the case of the contacted situation (step S83). If there are any questions, if the insurance belongs to insurance company B, an inquiry is made to the insurance company B terminal 82b (step S83). When the answer is received in step S84, it is confirmed whether insurance can be applied in a certain situation from the policyholder c, and the result is notified to the policyholder 83c in step S85.

For example, if the insurance of the insurance company B can be applied, the insurance agent is requested to apply for insurance in step S86. In response, the insurance agent applies to insurance company B for application. The result is notified from the insurance company B terminal 82b to the policyholder terminal 83c (step S88) o

In the above embodiment, the outsourcing of the business such as the insurance subscription in step S73 and the notification of the insurance to be subscribed in step S74 are separate procedures, but they may be performed simultaneously.

According to this embodiment of the present invention, it is possible to request the agent from the conclusion of the insurance contract as well as the application of the insurance application and the subsequent application, and there is an advantage that the insurance contractor can further easily perform the insurance procedure.

The fee received by the insurance agent is the same as when receiving the outsourcing such as insurance in step S73 of Fig. 7 from the policyholder, and then, in step S74, the notification of the insurance you want to join When you receive the insurance, you will be charged a fee according to the number of insurances, etc. as a fee for the insurance participation procedure.

In addition, the insurance agent receives a consultation fee when consulted about whether or not insurance can be applied in step S81, and applies insurance when applying for insurance in step S86 when insurance is applied. It is appropriate to receive a fee from the policyholder for the number of applications as an application fee.

Of course, a system that does not receive fees from policyholders is also possible. Industrial feasibility As described above, according to the present invention, the insurance policyholder service method and the insurance procedure proxy service method that enable the policyholder to easily perform difficult decisions for applying insurance and troublesome procedures for applying for insurance are provided. An insurance information database is obtained.

Claims

The scope of the claims

1. An insurance procedure acceptance step of accepting an insurance company's procedure on behalf of an insurance company with respect to an insurance policy that has already been contracted;

An insurance status notification receiving step in which the insurance contractor receives a notification of the status of insurance from the insurance contract accepted in the insurance procedure acting step, and the insurance that has already been concluded with respect to the status notified in the insurance status notification receiving step. An insurance application decision step for determining whether the contract can be covered;

A step of notifying the policyholder of a result determined in this step.

2. An insurance application step of applying the insurance contract in response to a request from the insurance policyholder when the insurance application determination step is a result indicating that insurance can be applied. The insurance procedure agency service method according to claim 1.

3. If the insurance application decision step is the result of insurance coverage, collect the documents required for application in response to the request from the policyholder and send it to this policyholder for entry. 2. The insurance procedure agency service method according to claim 1, further comprising an insurance application step of receiving the return of the document and applying the insurance contract.

4. An insurance procedure acceptance step, in which the policyholder accepts a procedure on behalf of the insurance company for an insurance policy already in place,

An insurance content storing step of storing in the insurance information database the content of the insurance policy already received from the policyholder,

An insurance status notification receiving step of receiving a notification of a status that has occurred with respect to the existing insurance from the policyholder;

The insurance information database is searched for the status notified in this insurance status notification receiving step, and whether the insurance application can be applied to the existing insurance. A determination application determining step of determining whether

A determination result notification step of notifying the policyholder of a result determined in this step;

An insurance application step of applying the insurance contract in response to a request from the insurance policyholder when the application determination step is a result indicating that insurance can be applied. Procedure agency service method.

5. Accept the proxy for the insurance company with respect to the insurance contracts already in place from the policyholder, and store the contents of the contracted insurance notified by the policyholder in the insurance information database. Together with an insurance procedure agency fee collecting step of collecting a fee corresponding to the number of the insurance policies already in effect,

An insurance status notification fee collection step of receiving a notification of the status arising in relation to the existing insurance from the policyholder and collecting a predetermined amount corresponding to the notification as a fee;

An insurance application determining step of searching the insurance information database for the situation notified by this step to determine whether or not the insured insurance can be applied;

An insurance application fee collecting step of receiving a request from the insurance policyholder and applying for the insurance policy, and collecting a predetermined fee when the application determination step is a result indicating that insurance application can be obtained; and A method for providing insurance procedures on behalf of a client.

6. Insurance information collecting step for collecting information on each insurance contract,

An insurance information storing step of storing the collected insurance contract information in a predetermined insurance information database;

An insurance contractor who wishes to conclude an insurance contract, accepts a proxy for the business of the insurance contract, and receives notification of the insurance contract he / she wishes to conclude. A continuation agent notification receiving step,

Concluding an insurance contract on behalf of the policyholder for the notified insurance contract;

An insurance status notification receiving step of receiving a notification of the status of insurance from the policyholder based on the concluded insurance contract;

An insurance application determining step of determining whether or not the insurance contract concluded can be applied to the situation notified by this step; a determination result notification step of notifying the policyholder of a result determined by this step;

7. An insurance information collection step for collecting information on each insurance contract,

Insurance that accepts a proxy for insurance contract business from a policyholder who wishes to conclude an insurance contract, receives notification of the insurance contract that this person wants to conclude, and collects a prescribed fee according to the number of insurance contracts concluded The number of recipients of the agency acceptance notification, the fee collection step,

Upon receiving the notice of the insurance policy from the policyholder based on the concluded insurance contract, determining whether or not the concluded insurance contract can be applied in this condition, and collecting a predetermined fee for collecting insurance application fee. When,

A decision result notification step of notifying the policyholder of the result determined in this step;

When the application judgment step is a result indicating that insurance can be applied And an insurance application application fee collecting step of applying the insurance policy application in response to a request from the insurance policyholder and collecting a predetermined fee.

8. Insurance procedure acceptance means for accepting on behalf of the insurance company for the insurance company from the policyholder regarding the insurance policy already in place;

Insurance status notification receiving means for receiving a notification of the status of insurance from the policyholder in accordance with the insurance contract accepted by the insurance procedure proxy receiving means, Means for determining whether to apply for an insurance contract;

A judgment result notifying means for notifying the policyholder of a result judged by the insurance application judging means;

Insurance application application means for applying for application of the insurance contract in response to a request from the policyholder if the insurance application determination means is a result indicating that insurance is applied. Insurance procedure agency terminal.

9. Insurance information collection means for collecting information on each insurance contract,

Insurance information storage means for storing the collected insurance contract information in a predetermined insurance information database;

Means for receiving an insurance procedure proxy notification from a policyholder who wishes to conclude an insurance contract with the policyholder for the business of the insurance contract, and receiving a notification of the insurance contract desired by the person;

Means for concluding an insurance contract on behalf of the policyholder for the notified insurance contract;

Insurance status notification receiving means for receiving notification of the status of insurance from the policyholder based on the concluded insurance contract;

Insurance application determining means for determining whether or not the concluded insurance contract can be applied in relation to the notified situation;

A determination result notification means for notifying the policyholder of a result determined by this means; An insurance application means for applying for the application of the insurance contract in response to a request from the insurance policyholder when the judgment by the application judgment means is a result indicating that insurance can be applied. Insurance procedure agency terminal.

10. Insurance contents storage means for storing the contents of insurance contracts already in place by a plurality of policyholders for each policyholder and each insurance contract;

Means for reading out the insurance contractor who has received the notification and the contents of the insurance contract of the person when the insurance contractor is notified of the insurance-related situation; Means for determining whether or not conditions for applying a contract are satisfied and outputting the insurance information.

1 1. Insurance information storage means to collect and store general insurance information of each insurance company;

An insurance information database comprising an insurance contract output means for outputting the contents of the insurance contract in response to an inquiry from an insurance policyholder who desires an insurance contract.