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I. Introduction
Vehicle insurance has always been one of the main businesses of insurance companies. As the departments of auto insurance insuring, surveying, claim settlement, repairing, etc. are independent and interrelated, in order to promote customer insurance, insurance companies have also launched a number of promotional activities such as: safe return , Presenting small gifts, etc., all of which are based on a common data basis-insurance policies and insurance cards. However, in the traditional work process, the same person can be both a salesperson and a claims adjuster, which may cause blind spots in work, prone to “fake claims, receive more gifts”, “uninsured and paid”, “claim first and then insure” and other factors Causes of errors. If a smart card system is used for operation management, these loopholes can be avoided to a large extent.
2. Brief description of system functions
(1) Insurance: After the insured, the sales department personnel write the insurance policy into the auto insurance IC card via the “Jiehuida” handheld terminal. The content involves the policy number, card number, insured unit, license plate number, engine number, insurance period, and insurance application. The type of insurance, the amount of insurance, whether to renew the insurance, whether to return, whether it is preferential, gift content, insurer, etc., one car and one card.
(2) Reporting: When the insurance is out of danger, the insured can directly go to the claim center to report the case by telephone. When reporting the case, only the car insurance IC card number is required, and the claim center card number is entered into the computer to complete the report, and the relevant personnel are notified to conduct the investigation.
(3) Investigation: When investigating personnel on site, the insurer will issue a car insurance IC card, and the investigating personnel will insert the IC card into the “Jiehuida” handheld terminal to query the insured’s auto insurance information, and use the machine to record the insurance information. The relevant information is written into the car insurance IC card.
(4) Claim settlement: After the survey personnel return to the company, they will send the survey information to the claim center computer, and the insurer will issue an IC card for simultaneous verification, and notify the insurer to repair the car at the designated auto repair shop and write the relevant information Into the IC card.
(5) Repair: When the insurer goes to the auto repair shop to repair the car, the IC card is issued to the auto repair shop. The auto repair shop uses the “Jiehuida” handheld terminal to read the relevant information and write the relevant repair records into the IC card. And upload the relevant information to the provincial People’s Insurance Company database through the telephone line.
(6) Compensation: The policyholder issues the IC card with the receipt written in the car repair record, and the claims center will issue a claim payment report based on the previous survey records and car repair records, and write the relevant compensation content into the IC card.
(7) Value-added services: When the insured is insured, the sales department or related personnel can use the “Jiehuida” handheld terminal to write relevant promotional content into the card, and the insured can hold the card for consumption at any place designated by the insurance company. When one item is consumed, one item is deleted.
(8) Agency agency: After signing the auto insurance business, each agency agency uses the insurance application process to write the information into the insurer’s IC card, and at the same time upload the signed content to the provincial People’s Insurance database via the telephone line.
(9) Customer service: The “Jiehuida” handheld terminal not only has a card reader, but also uploads and downloads customer information. It can be used as a handheld computer for business staff (similar to Businesslink) and can keep track of customer renewal time at any time. Immediately provide services to customers.
(10) Information inquiry: The general manager of the Provincial People’s Insurance Company can use the computer on the desk to inquire daily, weekly, monthly, and annual auto insurance insurance and out-of-risk conditions, and the system can print reports as needed.
Three, system summary
The application plan of “Jiehuida” handheld terminal in the insurance industry. Since one vehicle has one card, the insurance company can make a detailed record of all the business of the vehicle, which is not only conducive to customer tracking services, but also can avoid some man-made cheating in the work process. As a terminal device for reading and writing smart cards, “Jiehuida” handheld terminal, because it can be equipped with different functional modules, it can be applied in different links. Moreover, due to the compact and lightweight design, it is very suitable for the work nature of the insurance industry with high mobility of staff.
Motor vehicle insurance
1. Application background
This solution provides an information management network for insurance company auto insurance that can cover business departments, claims centers, agencies, repair shops and other related units. It is a collection of insurance, claims, renewal, security return, value-added services, statistical query and analysis As an integrated management system. The system centrally stores the information collected by sales outlets, survey machines, claims machines, auto repair machines, and customer service machines into the database through WAN, local area network, and point-to-point communication, so that the internal information of the enterprise is smooth, fast, accurate, and timely for management. Provide strong support for decision-making analysis.
Since the auto insurance insurance, survey, claims, repair and other work departments are independent and interrelated, at the same time, in order to promote customer insurance, the insurance company has also launched a number of promotional activities such as: safe return, small gifts, etc., all of which are based on a common Data basis-insurance policies and insurance cards. In the traditional work process, the same person can be both a salesperson and a claims adjuster, which may cause blind spots at work and prone to vicious accidents such as “fake claiming or receiving more gifts”, “uninsured and paid”, “claim first and then insured” etc. .
At the same time, in the increasingly fierce market competition, whoever has control of customer resources will control the market. How to improve the instant documentary of business personnel, the quality of customer service, and enhance the core competitiveness of PICC has become an objective problem for PICC leaders. .
How to prevent accidents, improve service quality and improve PICC’s core competitiveness? Our company recommends using the “Jiehuida” handheld terminal. This product solves the above problems well. The introduction of smart cards and related equipment into the network system can make the work of insurance, survey, claims, distribution, and customer service efficient, convenient and accurate. To proceed.
2. System composition
1. Network structure
2. System function
(1) Insured link: After the insurer has purchased the insurance, the sales department staff writes the inside of the insurance policy into the auto insurance IC card via the “Jiehuida” handheld terminal. The content involves the policy number, card number, insured unit, license plate number, engine number, and warranty period. , Insured type, insured amount, whether to renew, whether to return, whether to preferential, gift content, insurer, etc., one card per vehicle.
(2) Reporting link: In the event of an accident, the policyholder can directly go to the claim center to report the case by telephone. When reporting a case, only the car insurance IC card number is required, and the claim center card number is entered into the computer to complete the report and notify the relevant personnel to conduct an investigation.
(3) Investigation link: When the investigators are on-site, the insurer will issue a car insurance IC card, and the investigators will insert the IC card into the “Jiehuida” handheld terminal to query the insured’s auto insurance information and use the machine to record the insurance information. Write relevant information into the car insurance IC card.
(4) Claim settlement: After the survey personnel return to the company, they will send the survey results to the claim center computer. The insurer will also issue an IC card for simultaneous verification, and notify the insurer to repair the car at the designated auto repair shop and provide relevant information. Write to the IC card.
(5) Repair link: When the insurer goes to the auto repair shop to repair the car, the IC card is issued to the auto repair shop, and the auto repair shop uses the “Jiehuida” handheld terminal to read the relevant information and write the relevant repair records into the IC card , And upload relevant information to the provincial People’s Insurance Company database through the telephone line.
(6) Compensation link: The policyholder issues the IC card with the receipt written in the car repair record, and the claims center will issue a claim payment report based on the preliminary survey records and the car repair record, and write the relevant compensation content into the IC card.
(7) Value-added service link: When the insured is insured, the sales department or related personnel can use the “Jiehuida” handheld terminal to write relevant promotional content into the card, and the insured can hold the card for consumption at any place designated by the insurance company , Consuming one item means deleting one item.
(8) Agent agency link: After signing the auto insurance business, each agency agency uses the insurance application process to write the information into the insurer’s IC card, and at the same time upload the signed content to the provincial People’s Insurance database via the telephone line.
(9) Customer service link: “Jiehuida” handheld terminal not only has card reading and writing, but can also upload and download customer information. It can be used as a customer information query terminal for sales staff, and can keep track of the customer’s renewal time at any time and promptly inform customers Provide services.
(10) Information query link: The relevant authorized personnel can use the computer on the desk to query the daily, weekly, monthly, and annual auto insurance insurance and insurance status, and the system can print reports as needed.
Three, system characteristics
1. Optimize the business structure to ensure the mutual supervision system of the company’s internal personnel;
2. Improve work efficiency;
3. Save operating costs.
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