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Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase

An insurance form carries first pattern areas into which data representing identify of an insurance claimant and identity of a health insurance company against which a claim form is entered and second pattern areas in which symbols are entered representing a state abbreviation, a congressional district of the state, a city of the congressional district, physician's classification as listed in a State Medical Directory, a number representing the total number of particular physicians in the physician's classification designation, a patient number which changes with every claim filed and an identification number of a health insurance company against whom the claim is filed.

System and method for generating and executing insurance policies for foreign exchange losses


A medical claim verification and processing system reads a medical information card (MEDICARD) to determine a patient's background medical and insurance information. The validity of the card is rapidly determined by accessing a central brokerage computer. A local service provider enters into a local terminal the medical and MEDICARD information services provided or to be provided to the patient by using a patient service code and transmits this information to a central brokerage computer. The central brokerage computer converts the patient service code input by the service provider or MEDICARD into a particular service code for the patient's insurance carrier. This service code is then utilized to determine the insurance claim payment for that particular patient service. The claim payment amount for the medical service is then transmitted back to the local entry terminal for use by the service provider and patient. The service provider and patient can then determine the amount of payment which will be made for the particular insurance claim. The provider can then prepare an electronic claim form and, together with the patient's and/or the provider's determination whether or not the assignment provision of the insurance claim will be invoked, the electronic claim form is then transmitted to a central brokerage computer which in turn transmits the claim form to the appropriate insurance carrier. The patient's insurance carrier processes the claim form, and, based upon the assignment decision, transfers the payment check to the patient or makes an electronic funds transfer to an account for the service provider, the patient or a central brokerage computer.

Insurance form indicia system


To reduce the cost of air travel insurance premiums substantially, by eliminating the need for insurance company representatives, agents, or machines, in airport terminals or elsewhere, purchasers contract with and prepay a nominal sum to the insurance company for a selected amount of air travel insurance coverage. The insureds are supplied through the mail with a designated number of proper documents in assembled relationship for use in coaction with conventional air travel tickets in a manner whereby the purchaser can assure the validation of his or her air travel insurance prior to take-off on a mode of air travel. A return envelope is provided, addressed to the insurance company or agent. The envelope includes a positioning means for the air travel ticket and insurance documents assembly to be temporarily assembled with the envelope to enable the purchaser to imprint the validating indicia on an element of the ticket to be given to the air travel ticket agent and also on the insurance documents assembly. The documents are delivered to the insurance company or agent, the beneficiary, and to a third party disinterested institutional trust.


Methods and apparatus for selecting an insurance carrier for an online insurance policy purchase
System and method for generating and executing insurance policies for foreign exchange losses
Insurance form indicia system

PAT. NO. Title
101 4,616,854 Insurance form indicia system
102 4,491,725 Medical insurance verification and processing system
103 4,203,620 Air travel insurance assemblage and method of validating

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