PREMIUM REFUND CALCULATION SYSTEM, PREMIUM REFUND NOTICE METHOD, AND PROGRAM

摘要

PROBLEM TO BE SOLVED: To set an insurance premium with sufficient accuracy by subdividing a period of insurance and calculating an occurrence probability of incidence covered by the insurance in each subdivided period.;SOLUTION: A predetermined period is divided into a plural of the subdivided periods and a history of a calculation factor acquired in each subdivided period is stored in a factor history database 220. Based on the calculation factor acquired in each subdivided period, a degree of influence calculation part 340 calculates the degree of influence on the occurrence probability of the incidence covered by the insurance, or the degree of influence on the occurrence probability of incidence covered by the insurance or a loss ratio. A premium refund calculation part 360 calculates the premium refund depending on a value of the degree of influence calculation part 340. In other works, the premium refund is calculated for the each subdivided period in accordance with the occurrence probability of the incidence covered by the insurance at an insured party relative to a provisional premium to be received in advance.;COPYRIGHT: (C)2002,JPO