Automated insurance system and method
First Claim
1. A system for insurance management, comprising:
- a central data center;
an insurer portion, coupled to said central data center via a network, for interfacing an insurer with insurance policy and policyholder information;
a policyholder portion, coupled to said central data center via the network, for interfacing a policyholder or potential policyholder with insurance policy information; and
an aligned provider portion, coupled to said central data center via the network, for interfacing an aligned provider with policyholder and insurance claims information;
wherein said insurer portion, said policyholder portion and said aligned provider portion are enabled for real-time intercommunication and information access via the network.
1 Assignment
0 Petitions
Accused Products
Abstract
An automated insurance system and method for enabling a Company to provide efficient, fully-integrated insurance coverage and related features. By taking full advantage of highly advanced digital video, data management, and online technologies, the Company'"'"'s operating system can reduce the substantial number of employees found at most insurance companies today to a streamlined staff of executives, specialists, and support personnel. Aligned Providers preferably handle the primary functions of claims; most financial controls are preferably managed by integrating the information technology system and the Bank Lock Box; and the effectiveness of policyholder relations activities can be enhanced and related costs reduced through the capabilities of a specialized web portal. An associated fraud prevention system, claims management system, financial management system and information technology platform aspects of the invention can be used together to produce significant efficiencies and cost savings over current systems and methods.
336 Citations
30 Claims
-
1. A system for insurance management, comprising:
-
a central data center;
an insurer portion, coupled to said central data center via a network, for interfacing an insurer with insurance policy and policyholder information;
a policyholder portion, coupled to said central data center via the network, for interfacing a policyholder or potential policyholder with insurance policy information; and
an aligned provider portion, coupled to said central data center via the network, for interfacing an aligned provider with policyholder and insurance claims information;
wherein said insurer portion, said policyholder portion and said aligned provider portion are enabled for real-time intercommunication and information access via the network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
-
-
17. A method for insurance claims management by a Company, comprising:
-
granting, to a policyholder or potential policyholder, network access to insurance policy information of the Company;
granting, to an aligned provider, network access to policyholder and insurance claims information of a policyholder of the Company;
enabling the policyholder or potential policyholder, the Company and the aligned provider for intercommunication via the network; and
granting the policyholder or potential policyholder and the aligned provider real-time access to the information of the Company via the network. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
-
Specification