diff --git a/PRD/RMO保险报价流程.md b/PRD/RMO保险报价流程.md
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+# 临床试验责任保险报价流程
+
+> 基于 ProcessOn 流程图(RMO保险报价.pos)整理
+
+## 一、泳道角色
+
+| 泳道 | 说明 |
+|------|------|
+| **申办者** | 投保人(采购、项目经理等) |
+| **系统** | RMO 网站及 Smart-Ops 系统 |
+| **临研安/华泰** | 服务方(TPA 经纪) |
+| **保司** | 太保/大地、其他保险公司 |
+
+## 二、流程阶段
+
+### 阶段一:信息收集与 AI 报价
+
+1. **登录**(申办者)
+ - 申办者登录系统
+
+2. **填写项目信息**(申办者)
+ - 上传项目方案、知情同意书或手动填写报价必备资料
+ - 可通过邮件/小程序通知进入此步骤
+
+3. **标准报价材料**(系统)
+ - 系统生成标准报价材料
+
+4. **AI 报价**(系统)
+ - 基于标准材料进行 AI 报价
+
+5. **报价任务创建**(系统)
+ - 生成报价任务文档
+ - 通过 **API Smart-Ops** 与 Smart-Ops 系统对接
+
+6. **报价任务**(临研安/华泰)
+ - 每保司报价生成一条任务
+ - 跟踪每一任务的完成状态
+
+7. **报价**(临研安/华泰)
+ - 发件人:RMO@vdano.com
+ - 向各保司发起报价请求
+
+8. **初步评估**(保司)
+ - 太保/大地、其他保司分别进行初步评估
+
+9. **核保通过**(保司)
+ - 保司核保通过后,生成正式报价
+
+10. **正式报价**(保司)
+ - 输出正式报价文档
+
+### 阶段二:全保司报价
+
+11. **报价任务完成**(临研安/华泰)
+ - 汇总各保司报价结果
+
+12. **页面对比呈现**(临研安/华泰)
+ - 保司回复到:RMO@vdano.com
+ - 整理形成可对比的报价方式,呈现给申办者
+
+13. **价格确定**(保司)
+ - 确定最终报价
+
+### 阶段三:议价
+
+14. **是否含报价?**(判断)
+ - **否**:邮件/小程序通知 → 返回「填写项目信息」
+ - **是**:进入「再次登录」流程
+
+15. **再次登录?**(申办者)
+ - 申办者再次登录系统
+
+16. **在线议价**(临研安/华泰)
+ - 申办者与经纪人在线沟通、调整报价
+
+17. **主动人工跟进**(临研安/华泰)
+ - 经纪人对未完成报价的保司进行主动跟进
+
+## 三、流程示意(Mermaid)
+
+```mermaid
+flowchart TB
+ subgraph 信息收集与AI报价
+ A[登录] --> B[填写项目信息]
+ B --> C[标准报价材料]
+ C --> D[AI报价]
+ D --> E[报价任务创建]
+ E --> F[报价任务]
+ F --> G[报价]
+ G --> H[初步评估]
+ H --> I[太保/大地]
+ H --> J[其他保司]
+ I --> K[核保通过]
+ J --> K
+ K --> L[正式报价]
+ end
+
+ subgraph 全保司报价
+ L --> M[报价任务完成]
+ M --> N[页面对比呈现]
+ N --> O[价格确定]
+ end
+
+ subgraph 议价
+ O --> P{是否含报价?}
+ P -->|否| Q[邮件/小程序通知]
+ Q --> B
+ P -->|是| R[再次登录]
+ R --> S[在线议价]
+ S --> T[主动人工跟进]
+ end
+```
+
+## 四、关键说明
+
+- **API Smart-Ops**:报价信息通过 API 传输到 Smart-Ops 系统,用于后续报价、投保、理赔等流程
+- **任务跟踪**:每保司报价生成一条任务,系统跟踪每一任务的完成状态
+- **回复渠道**:保司报价回复至 RMO@vdano.com
+- **数据归属**:所有报价数据属于申办者,在投保人租户下呈现
diff --git a/RMO网站需求文档.docx b/PRD/RMO网站需求文档.docx
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diff --git a/RMO网站需求文档.md b/PRD/RMO网站需求文档.md
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## 一、项目概述
### 1.1 项目背景
-- **RMO定义**:RMO(Risk Management Organization,风险管理组织)是一个"一站式的、涉及到患者/受试者安全责任的保险与保障方案"。
-- **项目目的**:我们需要做一个网站,用以介绍RMO的模式,介绍申办者、研究机构、SMO、CRO在临床试验中各自应承担的职责。从首页延伸出各角色的职责、以及保险的方法如何进行保证;保证(金)方式如何进行保障。最终确保受试者在临床试验过程中的安全。
+- **RMO定义**:RMO(Risk Management Organization,风险管理组织)是一个"一站式的患者/受试者安全责任的保险与保障方案平台"。
+- **项目目的**:
+ 构建一站式临床试验、持有人责任保险知识/资源、报价、理赔平台;
+ - RMO的模式、申办者、研究机构在临床试验中各自应承担的职责;
+ - 保险的方法、保证(金)方式如何进行保障。
- **该网站所有内容围绕受试者安全保障与患者安全保障**。
- **法律依据**:在临床试验中,申办者需要承担受试者保护的责任依据是《临床试验质量管理规范》第三十九条,
(一)申办者应当向研究者和临床试验机构提供与临床试验相关的法律上、经济上的保险或者保证,并与临床试验的风险性质和风险程度相适应。但不包括研究者和临床试验机构自身的过失所致的损害。
@@ -13,20 +16,26 @@
### 1.2 网站目标
- 协助药企(申办者、持有人)规划患者、受试者安全责任保障的方式、方法;
-- 清晰展示申办者、持有人、研究机构、SMO、CRO在临床试验中各自应承担的职责
-- 说明保险和保证方式如何保障受试者安全,帮助申办者承担其职责
-- 为不同角色(申办方、持有人、试验机构、受试者、服务方)提供针对性的信息和服务
-- **登录后系统**:为已登录用户提供工作台、项目管理、保障评估、智能工具等功能,根据用户角色呈现有权限的内容
+- 清晰展示申办者、持有人、研究机构、SMO、CRO在临床试验中各自应承担的职责;
+- 说明保险和保证方式如何保障受试者安全,帮助申办者承担其职责;
+- 为不同角色(申办方、持有人、试验机构、受试者、服务方)提供针对性的信息和服务;
+- **登录后系统**:为已登录用户提供保险报价、保险管理。
### 1.3 目标用户
-- **主要用户**:申办者(制药企业、生物技术公司等)、持有人
-- **次要用户**:研究机构、研究者、伦理委员会
-- **其他用户**:CRO、CDMO、SMO、受试者
+- **主要用户**:投保人(申办者、持有人、临床试验研究机构)
+- **次要用户**:华泰经纪、保险公司
+- **其他用户**:CXO、受试者
- **登录后系统用户角色**:
- - **投保人**:可以是申办者、持有人;如果为研究者发起的试验,需要将其同时标记为申办者。可申请保障、查看自己的项目和保障、使用智能工具等
- - **保险人**:保险公司,可查看分配给自己的项目、进行保障评估、处理报价和理赔、使用智能工具
+ - **投保人**:申办者、持有人;研究者发起的试验:将其同时标记为申办者。
+ - **服务方**:华泰经纪,与客户进行在线的项目沟通,报价。
+
+### 1.4 目标用户
+| 角色 | 名称 | 对应岗位 |
+|-----------|-----------------|-----------------------------------|
+| 投保人 | Policyholder | - 申办者采购、项目经理
- 上市后质量团队 |
+| 保险人 | Insurer | - 保司核保人员 |
+| 服务方 | TPA | - 临研安/华泰经纪 |
----
## 二、网站架构与页面结构
diff --git a/临床试验保险及RMO模式网站设计思路.md b/PRD/临床试验保险及RMO模式网站设计思路.md
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diff --git a/PRD/临床试验责任保险报价流程.md b/PRD/临床试验责任保险报价流程.md
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+临床试验责任保险报价流程:
+# 目的:
+- 收集保险报价必须的信息;
+- 根据不同的报价用途:确定后续跟进频率(预算目的报价、申请试验开展);
+- 第一时间占据所有保司的报价渠道,规避后续业务冲突;
+- 返回保司报价的结果,方便投保人对比、选择。
+
+# 角色
+| 角色 | 名称 | 对应岗位 |
+|----------|-----------------|----------------------------------|
+| 投保人 | Policyholder | - 申办者采购、项目经理
- 上市后质量团队 |
+| 保险人 | Insurer | - 保司核保人员 |
+| 服务方 | TPA | - 临研安/华泰经纪 |
+
+
+# 流程
+- 投保人填写报价资料;
+- 服务方生成保险报价;
+- 服务方发送保险报价到保险公司,进行确认;
+- 根据保司报价,整理形成可对比的报价方式,回复申办者;
+
+# 报价资料
+## 报价必备资料
+ - 项目方案编号(必填)
+ - 项目标题(必填)
+ - 申办者名称(必填)
+ - 受试药物名称(必填)
+ - 项目分期(I、II、III、IV期、其他:___)(必填)
+ - 试验受试者人数(必填)
+ - 报价用途:制定项目预算;申请试验开展;
+ - 每人责任限额(万元)(选项:≤10、15、20、30、≥50)[非必填,可以AI推荐];
+ - 累计责任限额[非必填,可以AI推荐];
+ - 每次事故免赔额[非必填,可以AI推荐];
+
+## 申请报价页面
+ 1. 简洁页面:
+ 由AI自动识别,提取报价必备资料;上传:
+ - 项目方案文件上传(必填)
+ - 知情同意书上传
+ - 生成报价按钮
+ 或,手动填写。
+ 可以从简洁页面点击按钮跳转到详细页面。
+ 2. 详细页面:
+ 除上述简洁页面需要的字段,补充以下西信息:
+ - 疾病类型(选项:癌症、心脏类疾病、生育类疾病、疫苗试验、其他)
+ - 每一试验受试者的试验期限(月)(选项:6、(6,12]、(12,24]、(24,36]、(36,48]、(48,60]、(60,72]、(72,84]、>84)
+ - 质量管理水平(选项:通过GMP、ISO等认证,质量标准要求高,管理先进、通过必要的认证,质量标准要求较高,管理较先进、其他情况)
+ - 历史理赔赔付情况(选项:极少、较少、较多、极多)
+ - 试验受试者类型(选项:儿童、老年人、孕妇、其他成年人)
+ - 试验受试者健康状况(选项:良好、一般、较差)
+ - 安全性监测措施(选项:完善、较完善、不完善)
+
+# 报价流程
+- 投保人填写报价资料;
+- 服务方生成保险报价;
+- 服务方发送保险报价到保险公司,进行确认;
+- 根据保司报价,整理形成可对比的报价方式,回复投保人;
+- 投保人如需要调整报价,可以联系经纪人,线下沟通、调整报价;
+
+# 报价记录状态
+```mermaid
+flowchart TB
+ subgraph 信息收集与AI报价
+ A[登录] --> B[填写项目信息]
+ B --> C[标准报价材料]
+ C --> D[AI报价]
+ D --> E[报价任务创建]
+ E --> F[报价任务]
+ F --> G[报价]
+ G --> H[初步评估]
+ H --> I[太保/大地]
+ H --> J[其他保司]
+ I --> K[核保通过]
+ J --> K
+ K --> L[正式报价]
+ end
+
+ subgraph 全保司报价
+ L --> M[报价任务完成]
+ M --> N[页面对比呈现]
+ N --> O[价格确定]
+ end
+
+ subgraph 议价
+ O --> P{是否含报价?}
+ P -->|否| Q[邮件/小程序通知]
+ Q --> B
+ P -->|是| R[再次登录]
+ R --> S[在线议价]
+ S --> T[主动人工跟进]
+ end
+```
+
+- **API Smart-Ops**:报价信息通过 API 传输到 Smart-Ops 系统,用于后续报价、投保、理赔等流程
+- **任务跟踪**:每保司报价生成一条任务,系统跟踪每一任务的完成状态
+- **回复渠道**:保司报价回复至 RMO@vdano.com
+- **数据归属**:所有报价数据属于申办者,在投保人租户下呈现
+
+
+
+# 与Smart-OPS的衔接
+- 收集到的报价信息,报价信息将传输到Smart-OPS系统,工作台进行后续的报价、投保、理赔等流程;
+- 临研安人员登录Smart-OPS系统,进行报价,所有报价数据属于申办者所有,该数据将在投保人租户下呈现;
+- 临研安人员在工作台页面处理所有报价的评估、整理。
+-
\ No newline at end of file
diff --git a/临床试验责任保险服务手册20260125.docx b/PRD/临床试验责任保险服务手册20260125.docx
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}
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+ margin: calc(-1 * var(--padding-xl, 24px)) calc(-1 * var(--padding-xl, 24px)) var(--padding-xl, 24px);
+ padding-left: var(--padding-xl, 24px);
+ padding-right: var(--padding-xl, 24px);
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import { useRoute, useRouter } from 'vue-router'
import { useAuthStore } from '@/stores/auth'
+import Breadcrumb from './Breadcrumb.vue'
const route = useRoute()
const router = useRouter()
diff --git a/src/components/Header.tsx b/src/components/Header.tsx
index b47832c..aea79f0 100644
--- a/src/components/Header.tsx
+++ b/src/components/Header.tsx
@@ -107,7 +107,7 @@ function Header() {
onMouseLeave={() => setKnowledgeOpen(false)}
>
知识资源
@@ -115,10 +115,10 @@ function Header() {
{knowledgeOpen && (
- 法规指南
- 保险知识
- PV与保险
+ PV知识
+ 保险知识
常见问题
+ 学习中心
)}
diff --git a/src/components/Header.vue b/src/components/Header.vue
index 05d302e..41549cf 100644
--- a/src/components/Header.vue
+++ b/src/components/Header.vue
@@ -73,7 +73,7 @@
@mouseleave="knowledgeOpen = false"
>
知识资源
@@ -81,13 +81,13 @@