Insurance descriptions adjusting system

Details Insurance descriptions adjusting system Insurance descriptions adjusting system

G - Physics

06

Q

G06Q 40/00 (2006.01)

Patent

CA 2412897

An insurance descriptions adjusting system for properly setting an insurance premium, comprising an insurance descriptions adjusting method and device, a status data acquiring terminal device, an advice responding terminal device, an advice device, an insurance descriptions adjusting program, a status data acquiring program, an advice responding program, an advice program, and a computer-readable recording medium for recording those programs. Insurance descriptions determined based on status data describing the status of an insured object are adjusted by using a level of enthusiasm shown by an insurance contractor toward the re-acquisition of the status data and a level of enthusiasm shown by an insurance contractor in reducing the risk of an insured object. Accordingly, a proper insurance premium is set for an insured object likely to be reduced in risk in the future.

L'invention concerne un système d'adaptation de description d'assurance permettant de déterminer une prime d'assurance adéquate, qui englobe un procédé et un dispositif correspondants, un terminal d'acquisition de données d'état, un terminal de réponse conseil, un dispositif de conseil, un programme d'adaptation de description d'assurance, un programme d'acquisition de données d'état, un programme de réponse conseil, un programme de conseil, et un support d'enregistrement lisible par ordinateur pour l'enregistrement de ces programmes. Les descriptions d'assurance, reposant sur les données d'état qui spécifient l'état d'un objet assuré, sont adaptées selon le niveau d'enthousiasme du contractant en faveur de la réacquisition de données d'état et de la réduction du risque relatif à un objet assuré. On peut donc déterminer une prime d'assurance adéquate pour un objet assuré sur lequel le risque pourra vraisemblablement être réduit dans l'avenir.

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