| 摘要 |
Umbrella travel insurance that accounts for coverage provided to the user through other insurance policies. A request from the existing customer is received for a travel insurance policy. It is determined whether the customer has an existing insurance policy issued by an insurance company. The existing insurance policy issued by the insurance company held by the existing customer is analyzed. Coverage of the travel insurance policy using coverage of the existing insurance policy is modified to create a modified travel insurance policy. Overlap of the existing insurance policy and coverage of the modified travel insurance policy is at least reduced.
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