CN101847243A - 运作保险方案以保障个人业绩奖金的系统 - Google Patents

运作保险方案以保障个人业绩奖金的系统 Download PDF

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CN101847243A
CN101847243A CN201010143349A CN201010143349A CN101847243A CN 101847243 A CN101847243 A CN 101847243A CN 201010143349 A CN201010143349 A CN 201010143349A CN 201010143349 A CN201010143349 A CN 201010143349A CN 101847243 A CN101847243 A CN 101847243A
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赫舍尔·菲利普·迈尔斯
阿德里安·戈雷
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

一种针对被保险事件运作保险方案以保障被保险人的业绩奖金的系统，该系统包括奖金百分比确定模块，配置用于确定表示作为在预定期间的业绩奖金被保险人所接受的年薪奖金百分比信息。健康方案状态确定模块，被配置为确定与被保险人有关的健康方案状态信息。最后，受保人业绩奖金确定模块，被配置为使用至少奖金百分比信息和健康方案状态信息，以确定如果发生了被保险事件时可支付的被保险人的年薪的一部分或更多。

Description

运作保险方案以保障个人业绩奖金的系统
背景技术
本发明涉及运作保险方案以保障个人的业绩奖金的系统。
保障被保险人的收入的保险一般是一种收入置换产品或收益，其保障保险客户或被保险人可获得他们年薪的固定百分比，例如他们年薪的75％。这些产品没有考虑与他们已经挣得的奖金相关的任何业绩。
业绩奖金通常构成个人收入的很大部分，很多人依赖该额外收入来确保某些支出或补充他们的薪水。最好业绩奖金一般为个人年薪的一部分或更多。
由此可见在疾病或残疾期间，保险客户或被保险人可能不仅遭遇由收入置换产品支付的薪水不足，而且可能不能获得任何与业绩相关的奖金，而这样奖金在其他情况下可能支付给他们。由此断定，这可能导致在疾病或残疾期间在收入方面的重大损失。
本发明的目标是至少解决上述问题。
发明内容
根据本发明第一方面，提供一种系统，该系统用于针对在特定的参照年发生的预定或预定义事件，运作保险方案以保障被保险人的业绩奖金，所述系统包括：
奖金百分比确定模块，配置用于确定百分比信息，该百分比信息表示作为在特定参照年之前的预定期间的业绩奖金的被保险人所收到的年薪奖金的百分比；
健康方案状态确定模块，被配置为确定与被保险人有关的健康方案状态信息；以及
受保人业绩奖金确定模块，被配置为在发生了预定事件或定义的事件时，使用至少奖金百分比信息和健康方案状态信息来确定作为受保人业绩奖金的可支付的特定年度中被保险人的年薪的一部分或更多。
附图说明
图1示出了根据示例性实施方式的用于运作保险方案的系统的示意性框图。
图2示出了根据示例性实施方式的用于运作保险方案的方法的高级流程图(high level flow diagram)。
图3更详细地示出了图2所示的方法的步骤的流程图。
图4更详细地示出了图2所示的方法的另一步骤的流程图。
具体实施方式
在以下描述中，为了进行说明，阐述了大量的具体细节，以提供对本发明的实施方式的全面理解。然而，对于本领域技术人员显而易见的是，缺少这些具体细节也可以实施本发明。
参照附图中的图1，在图1中，用参考数字10总体表示根据示例性实施方式的用于运作保险方案的系统。该系统10是用于针对在特定参照年中发生的预定义受保人事件来运作保险方案，以保障被保险人的业绩奖金。
为了简要，业绩奖金得以保障的人将称为被保险人、受保人或保险客户。然而，应注意。保险客户不一定必须是受保人或被保险人。
受保人事件例如是死亡、疾病和/或被保险人的残疾。
特定参照年可以是受保人事件发生的当前年。
再次参照图1，系统10一般包括与将由系统10执行的功能任务相对应的多个组件或模块。关于这点，在说明书的上下文中的“模块”应理解为包括编码的可识别部分、计算或执行指令、数据或程序。应了解，模块不是必须以软件来实现；模块可以以软件、硬件或软件和硬件的组合来实现。另外，这些模块不是必须集成到一个装置或系统中，而可以散布于多个装置或系统中以实现所期望的功能性。
特别地，系统10包括奖金百分比确定模块12，其被配置为确定奖金百分比信息，该信息表示被保险人在特定参照年之前的预定期间收到的年薪的百分比(其作为业绩奖金)。模块12优选被配置为接收表示受保人在参照年之前的预定期间的每一年中收到的年薪的百分比(其作为业绩奖金)的百分比数据。预定期间一般是参照年之前的三年，但也可以是任何其他合适的时间期间。然后，模块12还被方便地配置为确定所收到的百分比数据的平均百分比(以下将更为详细地描述该点)。
系统10还包括健康方案状态确定模块14，其被配置为确定与受保人相关联的健康方案状态信息。健康方案状态信息一般包括与被保险人关于健康方案收益的特定状态相对应的预定百分比。这点可以参照以下的表1来说明。
表1
Figure GSA00000059894200041
在示例性实施方式中，参照表1，模块14被配置为确定受保人关于健康方案收益的状态例如为银。然后了解到，模块14被配置为确定与预定状态相对应的百分比为50％。
在示例性实施方式中，健康方案收益可以与受保人属于的医疗保险方案相关联。在示例性实施方式中，健康方案收益可以是例如投保人的“活力计划”(VitalityTM programme)的健康计划。健康计划可优选为南非授权专利号ZA 99/1746和共同持有的美国专利申请序列号No.09/982,274中所披露的投保人计划，这两个专利均结合于此作为参考。
可以了解到，模块14可以可通讯联络地联系至医疗保险方案或与其相关联的运作系统，以从它们获得信息。可替代地，或者此外，系统10可以包括数据库18，其被配置为至少存储与被保险人相关联的健康方案状态信息。
系统10还包括受保人业绩奖金确定模块16，其被配置为至少使用奖金百分比信息和健康方案状态信息来确定被保险人在特定参照年中的年薪的一部分以上可作为受保人业绩奖金而支付(将在以下详细描述)。模块16优选被配置为接收表示受保人在特定参照年中的年薪的信息。
系统10一般可包括保险费确定模块20，其被配置为确定与所确定的受保人业绩奖金相关联的可支付的保险费。
现在将参照图2至图4来进一步说明示例性实施方式。将参考图1来描述图2至图4中所示的示例性方法，但是优选这些示例性方法也可适用于其他系统(未示出)。
参照附图中的图2，在图2中，用数字30总体表示根据示例性实施方式的方法的流程图。该方法30优选是这样一种方法，其至少确定在受保人生病和/或残疾的事件中可支付给受保人的受保人业绩奖金的方法。
方法30包括例如在框32中由模块12接收或确定表示被保险人在特定参照年之前的预定期间收到的年薪的百分比(其作为业绩奖金)的奖金百分比信息。
现在参照附图中的图3，在图3中，参考数字40表示更为详细地描述图2的步骤32的方法的流程图。方法40还将参照以下表2来说明。
表2
方法40包括在框42中接收表示被保险人在特定参照年之前的三年的每一年中收到的年薪的百分比(其作为业绩奖金)的百分比数据。参照表2(其中假设特定参照年为2009)，方法40包括在框42中接收作为2006年至2008年的奖金而收到的年薪的百分比，其中2006年为25％，2007年为10％，而2008年为15％。
然后，方法40包括在框44中确定所接收的百分比数据的平均百分比。可以了解，表2中2006年至2008年期间的平均百分比为16.7％。
再次参照图2，方法30还包括如前文所述地在框34中通过模块14接收与被保险人相关联的健康方案状态信息。如前文中所提及的，在例如模块14确定受保人具有“银”状态时，与该状态相对应的百分比为50％。
然后，方法30包括在框36中通过模块16有利地至少使用奖金百分比信息和健康方案状态信息来确定受保人业绩奖金。
现在还将参考附图中的图4，其中参考数字50表示更详细地描述图2的步骤36的方法的流程图。方法50包括在框52中通过模块16，将受保人在特定参照年中的年薪乘以例如上述所确定的平均百分比(2006年至2008年的)以获得第一乘积。所以在受保人在2009年的年薪为R 500,000的情况下，第一乘积为R 500,000×16.7％＝R 83,500。
方法50接下来包括在框54中将第一乘积乘以与受保人的状态相对应的百分比。所以，在百分比为如上所述的50％的情况下，受保人业绩奖金可确定为R 83,500×50％＝R 41,750。
应该注意的是，如果受保人生病和/或残疾，所确定的受保人业绩奖金就能够支付给他/她。
上文所阐述的本发明提供了一种保障受保人抵御在例如死亡、疾病和/或残疾的事件中遭受的业绩奖金损失的便利方法。

Claims (7)

1.一种系统，该系统用于针对被保险事件运作保险方案以保障被保险人的业绩奖金，所述系统包括：
奖金百分比确定模块，配置用于确定表示作为在预定期间的业绩奖金被保险人所收到的年薪奖金的百分比的百分比信息；
健康方案状态确定模块，被配置为确定与被保险人有关的健康方案状态信息；以及
受保人业绩奖金确定模块，被配置为在发生了被保险事件时，使用至少奖金百分比信息和健康方案状态信息来以确定可支付的被保险人的年薪的一部分或更多。
2.根据权利要求1所述的系统，其中，所述奖金百分比确定模块还确定表示被保险人的当前年薪的信息。
3.根据权利要求2所述的系统，其中，所述奖金百分比确定模块确定表示年薪百分比的百分比数据，并且确定所接收的所述百分比数据的平均百分比，所述年薪是被保险人在本年度之前的预定期间中各年度所收到的业绩奖金。
4.根据权利要求3所述的系统，其中，所述预定期间是三年。
5.根据权利要求1-4中任一项所述的系统，其中，所述被保险事件是死亡、疾病和残疾中一种或多种。
6.根据权利要求1-5中任一项所述的系统，其中，所述受保人业绩奖金确定模块使用所述健康方案状态信息，以确定关于健康方案的与被保险人特定状态相对应的百分比。
7.根据权利要求1-4中任一项所述的系统，其中，所述系统使用确定的被保险业绩奖金来确定被保险人能支付的保险费。
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