Patent ID: 8626537

Claim:
A method for modifying group travel insurance comprising: an international travel organization buying a group insurance program that has the capability to allow individual upgrades that includes coverage for members of the group consisting of travelers who are planning to travel in a group with said organization, said traveler's family members and said traveler's traveling companions wherein said family members and said traveling companions are traveling under the program as is said traveler; a disseminator chosen from the group whose members consist of said international travel organization, a program manager, a broker, a program administrator, an insurance broker, and a risk taker disseminating information about said group insurance program purchased by said organization to said travelers; said group insurance program adding an individual insurance component to said group insurance plan while allowing travelers to use both group and individual insurance products; said disseminator providing information to said travelers regarding the availability of the individual choice option to said travelers and referring said travelers to an e-commerce means provided by a member of the group consisting of said risk taker and said international travel organization; said travelers then visiting said website and making voluntary upgrade choices using said website's functionality; said travelers paying premiums for said coverage by choosing a member of the group consisting of utilizing a commercially available online payment mechanism provided by said website and mailing payment to a designated payee; said coverage not being upgraded until said traveler's purchase of upgraded coverage is confirmed; said coverage being upgraded before said premium is received; and said travelers then receiving a communication of a type chosen from the group consisting of email, SMS text message, paper letter, downloaded confirmation communication, and fax, from a member of the group consisting of said website, said program manager, and said administrator, wherein said communication confirms and binds said individual upgrades of coverage.