Category: Insurance tips Release Date: 2006-08-01
Property insurance business property insurance risk is the grass-roots company's main risks, Should the underwriting and claims the quality of work is not high, the business potential risk of inadequate control over the insurance companies would be a serious threat to their own economic gains. Therefore a timely manner to resolve property and casualty business risk, to control the risk of being nipped in the bud, is the property insurance company business should not be overlooked an important part. Only by establishing and improving risk management systems in order to bind the operator behavior and promote risk management in place, truly rule-based, there are rules to follow, easy to monitor in order to make risk management into a virtuous circle orbit, the operational risk control at a minimum.
Internal control to prevent
One is to establish and improve the staff's personal responsibility, be responsible for the implementation of a result of post, to be responsible people, year-end assessment, penalties and rewards of the job responsibility system, in order to promote the quality of operations and enhance our sense of responsibility and dedication of staff to avoid because of work caused by careless or irresponsible risk. Second, insist on job rotation. More property and casualty business positions, and some positions at higher risk. Such as nuclear loss, He Pei posts, policyholders of the most sensitive, long term in this post, contact an acquaintance and more difficult to break the sensibilities, prone to human payment is not conducive to risk prevention. Third, the strict business discipline to the system, strengthening underwriting and claims management.
External control to prevent
Enhance on-site survey, to prevent fraud.
Chuxian insurance policyholders promptly sent to the scene after the survey is necessary, can not be ignored, with on-site evidence, both accurate claims, reduce claims in the dispute, but more importantly is that it can to prevent the fraud of people abused and lead to false case of nature false loss of fish in troubled waters for insurance compensation. On-site survey is the important work of claims procedures, no matter how busy, task and then heavy, no matter how high the cost, on-site survey can not be weakened, only be strengthened. This will help control the man-made moral hazard.
Intensify efforts to check fake.
Insurance claims by a minority of the machine, controlling manufacturing deceived Pei An empty mind, full insurance claim compensation, in particular motor vehicle insurance, often Chuxian off-site, the insurer can not timely to the scene, resulting in Chuxian time doubtful authenticity, the main responsibility for the accident, times difficult to distinguish, agricultural non-account confusing, questionable situation, give an accurate settlement of claims out of problems. Therefore, we must further intensify efforts to check off, in-depth investigations, resolving the mystery of truly accurate claims, and resolutely crack down on counterfeiters who cheat lose.
Emphasis on disaster prevention and loss prevention, disaster reduction the accident, is an indispensable part of risk prevention.
On the one hand, to tie in with the local government functional departments on a regular basis to carry out disaster prevention inspection, implementation of prevention measures; the other hand, we should seize the key to prevention, the Chuxian high rate of poor operating efficiency of insurance and property as a priority, making out the program, discuss various implementation.
Actively publicize the Insurance Law
The use of legal weapons to increase the policyholders legal concepts, establish respect for the law to raise the consciousness of policy holders implementation of the Insurance Law together comply with the insurance contract, to maintain the dignity of law.
