Patent ID: 8095393
Filing Date: 2012-01-10
Classification: G06Q

Abstract:
1. A method for automated insurance information processing, comprising: providing automatically a universal electronic insurance information form to a network device with one or more processors from an application executing in a computer readable medium on a first server device with one or more processors via a communications network, wherein the universal electronic insurance information form includes a plurality of portions for obtaining a set of common information required by a plurality of health insurance carriers to provide health insurance price quotes, the universal electronic insurance information form including a first portion to provide a health insurance census for a business organization as well as a second portion to provide medical information for individuals within the business organization and wherein the first portion of the universal electronic insurance information form includes universal information for health insurance for the business organization comprising name, address, telephone number of the business organization and number of employees, preferred health insurance companies, and the second portion of the universal electronic insurance information forms includes a plurality of electronic names, addresses, telephone numbers of individuals, personal and medical history information for the individuals and type of medical provider desired; receiving a completed universal electronic insurance information form on the first server device from the network device; verifying automatically on the first server device whether information included on the completed universal electronic insurance information form is missing or incorrect and if so, returning the universal electronic insurance information form to the network device for correction before further processing; simultaneously sending from the first server device via the communications network the completed universal electronic insurance information form to a plurality of health insurance carrier servers to automatically request a plurality of health insurance rate quotes from the plurality of insurance carriers; receiving on the first server device a plurality of health insurance rate quotes from the plurality of insurance carrier servers; sending the plurality of received health insurance rate quotes to the network device from the first server device; receiving on the first server device from the network device a selected health insurance quote selected from the plurality of received health insurance rate quotes for a selected insurance carrier; sending from the first server device to a server for the selected insurance carrier via the communications network an electronic acceptance of the selected health insurance quote for the business organization; receiving on the first server device a plurality of additional completed universal electronic insurance information forms from the network device; translating automatically on the first server device the plurality of additional completed universal electronic insurance information forms into a plurality of proprietary insurance forms for the selected insurance carrier; and sending from the first server device the plurality of proprietary insurance forms to the server for the selected insurance carrier via the communications network to complete acceptance of a group health insurance policy associated with the selected health insurance quote.