Method and apparatus for internet on-line insurance policy service
First Claim
1. An on-line insurance policy service system, comprising:
- a computer system that enables an insurance policyholder to access insurance data of an existing insurance policy remotely through a publicly accessible network;
an information module configured to run on the computer system and verify an insurance policy parameter of the insurance policyholder in real-time in response to data received from the insurance policyholder through the publicly accessible network;
a claims module configured to process second data received from the insurance policyholder through the publicly accessible network and identify a claimant, confirm insurance coverages, and summarize the insurance claim based on the processing of the second data;
the claims module including a module aggregating service related to a loss recovery that is configured to automatically provide aggregated services to the insurance policyholder to rehabilitate the sustained loss in accordance with the information processed by the claims module;
where the claims module enables the insurance policyholder to communicate, without action by personnel of the insurance company, directly with a third party provider independent of the insurance company, of services related to loss recovery.
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Abstract
An Internet on-line insurance policy service system that facilitates real-time automated communication of policy information, adjustment of policy parameters, calculation and communication of resulting policy quotes, and implementation of policy changes, while obviating insurer personnel involvement and supervision of the communication. The system comprises a plurality of software modules relating to on-line real-time communication of existing policy information, testing of a wide range of variations in policy parameters, computing and communicating changes in policy premiums that would result from such variations, communicating desired changes in policy parameters and implementing desired policy changes. Other modules relate to communication of claims information and the providing of on-line forms.
58 Citations
28 Claims
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1. An on-line insurance policy service system, comprising:
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a computer system that enables an insurance policyholder to access insurance data of an existing insurance policy remotely through a publicly accessible network; an information module configured to run on the computer system and verify an insurance policy parameter of the insurance policyholder in real-time in response to data received from the insurance policyholder through the publicly accessible network; a claims module configured to process second data received from the insurance policyholder through the publicly accessible network and identify a claimant, confirm insurance coverages, and summarize the insurance claim based on the processing of the second data; the claims module including a module aggregating service related to a loss recovery that is configured to automatically provide aggregated services to the insurance policyholder to rehabilitate the sustained loss in accordance with the information processed by the claims module; where the claims module enables the insurance policyholder to communicate, without action by personnel of the insurance company, directly with a third party provider independent of the insurance company, of services related to loss recovery. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. An on-line insurance policy service system comprising:
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a computer system that enables an insurance policyholder to access insurance data during a term of the insurance policyholder'"'"'s existing insurance policy remotely through a network without the intervention of an insurance professional acting on the insurance policyholder'"'"'s behalf, the computer system being configured to execute software embodied on a non-transitory computer readable medium linked to the insurance data; an information module embodied on the computer readable medium that identifies the insurance policyholder and verifies an insurance policy parameter in real-time in response to first data received from the insurance policyholder through the network; an insurance policy adjustment module embodied on the computer readable medium that adjusts a selected insurance policy parameter within the existing insurance policy in real-time in response to second data received from the insurance policyholder through the network; where the insurance policy adjustment module generates an insurance document that reflects the adjustment of the selected insurance policy parameter of the existing insurance policy and sends the insurance document to the insurance policyholder in response to the second data received from the insurance policyholder through the network; where the adjustment of the selected insurance policy parameter amends a coverage provided by the existing insurance policy and a premium associated with the existing insurance policy during the insurance policy term; and where the existing insurance policy comprises a health, a property-casualty, or a liability insurance policy. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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Specification