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Insurance Patent

Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase

Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase are disclosed. A user at a client device, such as a personal computer connected to the Internet, receives a plurality of business insurance quotes with minimal data input requirements. A plurality of insurance carriers are narrowed down to a few relevant insurance carriers based on the user's zip code, standard industrial code (SIC), desired insurance products, a small number of "kill" questions, and a customized insurance application which is dynamically generated in response to previous answers.

Method of expediting insurance claims


A method and apparatus are provided for processing an insurance claim. The method includes the steps of receiving a claim for a loss from an insured through an Internet connection and determining a policy type from the claim. The method further includes the steps of retrieving a set of keywords based upon the policy type, matching the retrieved set of keywords with words contained within the received claim, assigning an adjuster to the claim when any matched words of the matching step meets a predetermined criteria and paying the claim without assigning the claim to an adjuster when the matching does not meet the predetermined criteria and any auxiliary criteria.

Interactive creation and adjudication of health care insurance claims


Methods and systems for interactively creating and submitting insurance claims and determining whether the submitted claims are in condition for payment by an insurer. A medical technician operating a client computer establishes communication with a remote server. The remote server transmits a claim form to the client computer for display to the medical technician. Using the claim form, the technician enters patient identification information, which is transmitted to the server to determine whether the patient is a beneficiary of an approved insurance plan. If the patient is a beneficiary, the technician can prepare an insurance claim using the claim form displayed by the client computer. The technician enters a diagnosis code and a treatment code representing the diagnosis and treatment of the patient. The diagnosis and treatment codes are transmitted to the remote server, which processes the codes to determine whether the claim corresponds to health care services that are approved for payment. If the insurance claim is not in condition for payment, the medical technician is notified. The medical technician can then amend the insurance claim as necessary and resubmit the claim.

Method and system for quoting, issuing, and administering insurance policies including determining whether insurance policies are self bill or list bill

Described is a method and apparatus for automatically quoting, processing, maintaining, claim processing, billing, and renewing life, health and related coverages for clients, especially group clients--without duplicative data entry. An integrated computer system contains several processing modules. The Quoting Engine module produces quotes, maintains and describes coverages available, rates the insurance, and generates a proposal. The Soldcase module administers sales and commission data and provides information regarding the selected coverage to other modules. An Advanced Relational Database Information System module provides billing and premium processing, and administers the payment of commissions. A Document Generator module produces documents such as policies and certificates. A Claims module performs claim adjudication, claim history, and claim payment. The Renewal module automatically monitors and updates information regarding the client and the insurance to determine if renewed coverage should be sold to the client and, if so, at what price.


Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase
System and method for generating and executing insurance policies for foreign exchange losses
Insurance form indicia system

PAT. NO. Title
1 7,203,734 Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase
2 7,203,654 Method of expediting insurance claims
3 7,194,416 Interactive creation and adjudication of health care insurance claims
4 7,143,051 Method and system for quoting, issuing, and administering insurance policies including determining whether insurance policies are self bill or list bill
5 7,124,088 Apparatus for internet on-line insurance policy service
6 7,113,913 Method and system for providing insurance protection against loss of retirement accumulations in a tax favored defined contribution plan in the event of a participant's disability
7 7,095,426 Graphical user interface with a hide/show feature for a reference system in an insurance claims processing system
8 7,072,842 Payment of health care insurance claims using short-term loans
9 7,050,985 Nuclear decommissioning insurance financial product and method
10 7,024,418 Relevance calculation for a reference system in an insurance claims processing system
11 7,023,328 Automobile insurance warning system
12 7,017,111 Insurance file note generation method and system
13 6,963,852 System and method for creating a defined benefit pension plan funded with a variable life insurance policy and/or a variable annuity policy
14 6,950,805 System for funding, analyzing and managing life insurance policies funded with annuities
15 6,937,990 System for syndication of insurance
16 6,871,181 System and method of assessing and rating vendor risk and pricing of technology delivery insurance
17 6,869,362 Method and apparatus for providing insurance policies for gambling losses
18 6,868,386 Monitoring system for determining and communicating a cost of insurance
19 6,862,571 Credentialer/Medical malpractice insurance collaboration
20 6,840,857 Lottery insurance method
21 6,820,058 Method for accelerated provision of funds for medical insurance using a smart card
22 6,796,898 Method for providing a blackjack insurance wager
23 6,772,128 Nuclear decommissioning insurance financial product and method
24 6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium
25 6,725,201 Apparatus and method for providing insurance products, services and/or coverage for leased entities.
26 6,714,914 Integrated system for the administration of an insurance company
27 6,679,497 Method and apparatus for playing a card game including a bust insurance option
28 6,671,677 System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan
29 6,647,374 System and method of assessing and rating vendor risk and pricing of technology delivery insurance
30 6,615,181 Digital electrical computer system for determining a premium structure for insurance coverage including for counterclaim coverage
31 6,604,080 Computer system and methods for supporting workers' compensation/employers liability insurance
32 6,598,879 Method of playing blackjack with hit insurance
33 6,594,635 Data processing system for providing an efficient market for insurance and reinsurance
34 6,585,588 Multiple play high card game with insurance bet
35 6,584,446 System for underwriting a combined joint life and long term care insurance policy which is actuarially responsive to long term care demands and life expectancies of the individual insureds
36 6,561,903 System and method for generating and executing insurance policies for gambling losses
37 6,540,230 Method and apparatus for playing a card game including a bust insurance option
38 6,526,386 System and method for automatically generating automobile insurance certificates from a remote computer terminal
39 6,456,979 Method of evaluating a permanent life insurance policy
40 6,386,444 System and methods for card payment instrument with rebate applied to an insurance premium
41 6,347,302 Apparatus and method for processing lease insurance information
42 6,343,272 System for analyzing and managing equity participation life insurance and annuity contracts
43 6,343,271 Electronic creation, submission, adjudication, and payment of health insurance claims
44 6,338,040 Method for delaying the development in pest species of resistance to control techniques, using insurance to encourage correct uses of refuges
45 6,330,541 System and method for controlling and securitizing the cash value growth and/or death benefits of a large pool of insurance policies
46 6,254,482 System and method for generating and executing insurance policies for gambling losses
47 6,236,973 Apparatus and method for providing collateral construction loan insurance coverage
48 6,233,563 Insurance verification system and method
49 6,185,540 Insurance estimating system
50 6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy

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