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1. 发明授权

US08626537B2 System and method for a combination group and individual travel insurance program 有权
标题翻译：组合团体和个人旅游保险计划的系统和方法
公开(公告)号：US08626537B2
公开(公告)日：2014-01-07
申请号：US13335274
申请日：2011-12-22
申请人： Fiona Francesca Lally
发明人： Fiona Francesca Lally
IPC分类号： G06Q40/00
CPC分类号： G06Q90/00
摘要： The present invention allows travel organizations to ensure that basic group, or “Core,” travel medical coverage is in effect for their travelers while allowing travelers the ability to upgrade the “Core” insurance if needed or desired. Thus, the organization need not purchase excess insurance, thereby reducing the organization's liability for their group purchase decision. Until now, combining group and individual travel medical insurance has been impossible. Individual travel medical insurance policies could be customized, but travelers covered by a group policy had to accept the coverage their organizations chose. The present invention allows travelers with different needs and tastes from around the world to customize group travel insurance coverage according to their needs and desires. By offering choice, the present invention reduces the likelihood that travelers can successfully claim later that insurance required under the group program was inadequate.
摘要翻译：本发明允许旅行社确保基本团体或“核心”旅行医疗保险对旅行者有效，同时允许旅客在需要或期望的情况下升级“核心”保险。因此，组织不需要购买超额保险，从而降低了组织对其购买决定的责任。到目前为止，组合和个人旅游医疗保险是不可能的。个人旅行医疗保险可以定制，但是团体政策所涵盖的旅行者必须接受其组织选择的覆盖面。本发明允许来自世界各地不同需求和品味的旅客根据他们的需要和愿望来定制团体旅游保险。通过提供选择，本发明减少了旅行者可以在以后成功地要求组织计划所要求的保险不足的可能性。

2. 发明申请

US20130166324A1 SYSTEM AND METHOD FOR A COMBINATION GROUP AND INDIVIDUAL TRAVEL INSURANCE PROGRAM 有权
标题翻译：组合组和个人旅行保险计划的系统和方法
公开(公告)号：US20130166324A1
公开(公告)日：2013-06-27
申请号：US13335274
申请日：2011-12-22
申请人： Fiona Francesca Lally
发明人： Fiona Francesca Lally
IPC分类号： G06Q40/08
CPC分类号： G06Q90/00
摘要： The present invention allows travel organizations to ensure that basic group, or “Core,” travel medical coverage is in effect for their travelers while allowing travelers the ability to upgrade the “Core” insurance if needed or desired. Thus, the organization need not purchase excess insurance, thereby reducing the organization's liability for their group purchase decision. Until now, combining group and individual travel medical insurance has been impossible. Individual travel medical insurance policies could be customized, but travelers covered by a group policy had to accept the coverage their organizations chose. The present invention allows travelers with different needs and tastes from around the world to customize group travel insurance coverage according to their needs and desires. By offering choice, the present invention reduces the likelihood that travelers can successfully claim later that insurance required under the group program was inadequate.
摘要翻译：本发明允许旅行社确保基本组织或“核心”旅行医疗保险对旅行者有效，同时允许旅客在需要或期望的情况下升级“核心”保险。因此，组织不需要购买超额保险，从而降低了组织对其购买决定的责任。到目前为止，组合和个人旅游医疗保险是不可能的。个人旅行医疗保险可以定制，但是团体政策所涵盖的旅行者必须接受其组织选择的覆盖面。本发明允许来自世界各地不同需求和品味的旅客根据他们的需要和愿望来定制团体旅游保险。通过提供选择，本发明减少了旅行者可以在以后成功地要求组织计划所要求的保险不足的可能性。

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