Method of Calculating Storm and Flood Risk Weight for Storm and Flood Insurance Premium and System for Calculating Storm and Flood Insurance Premium using the same

摘要

The present invention provides a method for calculating a storm and flood damage risk weight to calculate a storm and flood damage insurance premium rate, and a storm and flood damage insurance premium rate calculation system using the same, capable of assuring storm and flood damage. According to the present invention, the system comprises: a contract content database recording content for a storm and flood damage insurance contract; an insurance premium rate information table stating insurance premium rate information determined according to information such as causes and regions of storm and flood damage and insured objects; a payment history database recording a payment history of an insurance amount of a storm and flood insurance; an insurable amount calculation unit calculating an insurable amount according to insurance contract content; a premium rate calculation unit reflecting the insurance contract content to the premium rate information table to calculate a premium rate to be applied to the corresponding insurance contract; and a contract conclusion unit concluding the insurance contact for an insured object.