"5.12" Wenchuan earthquake claims and complete subversion of the people in mind "insurance claims difficult to easy," impression. Insurance claims work the first time in the "pre-survey claims" phenomenon. But there is still difficult to claim, this time, mainly embodied in the "Peian large, Chuxian concentrated, insurance payments to beneficiaries" and many other issues.
Test "first time"
According to CIRC statistics show that by July 12, the insurance industry received a total of earthquake-related insurance reported 96,000, take the initiative to contact customers 147,000, preliminary verification 232,000; involving the insured people were killed 10,300 people and injured Residual 184 people, medical 3,085 people. Has closed 134,000. July 29, the China Insurance Regulatory Commission the second quarter of a routine press conference, Assistant Chairman of the China Insurance Regulatory Commission, a spokesman Yuan Li said, Wenchuan earthquake disaster has paid 520 million yuan of compensation.
"5.12" Wenchuan earthquake affected due to sudden and large number of customers need a short period of time a large number of claims, insurance companies will be timely compensation to policy holders hands to ease the immediate need customers, the insurance industry highlighted the social management functions.
"5.12" Wenchuan the special nature of the earthquake magnitude is high, crack-degree, spread wide, leading to the large number of casualties. "Although only some staff to participate in the insurance, but this is still a huge number." Many life insurance companies told reporters that the individual insurance companies, the large number of customers at the same time Chuxian, it is a severe test, plus the various insurance Local companies with branch offices for the affected units, showing a serious shortage of staff claims.
"At the same time, after the earthquake occurred in the early stages, earthquake relief and become a top priority to save lives, people too busy to take account of insurance claims, which led to insurance companies submit claims in the first time, there are many difficulties." A company earthquake relief work group Members of the reporters said.
"5.12" Wenchuan the special nature of the earthquake, also led to other customers due to various reasons not to report, such as family killed no one claims, insurance information loss, the insured victims and other family members did not know insurance, beneficiaries and Successor not clear, and so on, these factors affected the insurance companies in compensation for the first time the insurance payments.
Test "credibility"
In fact, the "12" Wenchuan earthquake occurred after one of the most prominent phenomenon is that the disaster facing the sector a lot of work, both in a state of emergency, all matters are not in accordance with conventional processing. Require customers to provide claims, as usual, as routine work requirements of the material, in fact there are great difficulties.
"As customers during the very wide variety of materials that are not the same degree of credibility and, most need investigation, but the post-disaster office space in various departments, office staff busy with relief, they produce the material from which body has to find these departments Action staff and very difficult to verify the results of a survey Peian many difficult than usual. "Number of China Life," 12 "Earthquake Claims Assistance Mission members said to reporters.
It is understood that the earthquake caused many family members more than the victims at the same time, this to the beneficiaries, successors of the great difficulties identified. Some of the beneficiaries because not clear, and therefore a successor, but over the successor relations and the determination of identity, it also involves the various departments, the need for multi-after investigation and verification can determine the insurance payment targets.
To guard against possible deviations and errors in the work of the earthquake claims, claims in the settlement work more at the end of a process, that is, to all who receive insurance money taking pictures of the beneficiaries or heirs retained, to be identified Deviations and errors, the relevant departments as a basis for investigation.
Improve the timeliness pre-survey
Both fast and accurate, with China Life Insurance Company, led by the major earthquake claims on the work of this specific request. The risk level in the rapid establishment of claims after the disaster emergency headquarters, to promptly, as soon as possible claims cases.
To address the relative lack of staff claims that difficulty, China Life Insurance claims from all over the country deployed forces to form a backbone of support claims Assistance Mission in the affected companies to ensure that the company has sufficient strength claims timely, prompt treatment Peian.
To address customers not to report the difficulties, companies have used the hotline, features the re-take the initiative to contact customers, business staff, launched a return visit and help Chuxian customer claims, this initiative to find customers the way for the rapid settlement saving time.
To resolve customer claims data loss problems, the companies have defined the "extraordinary period" to simplify procedures for the settlement of ideas.
According to reports, accompanied by claims staff to take the initiative Chuxian customers and their relatives for relevant evidence, in the course of investigation and verification at the same time, the claims of pre-investigation practice, both for customers and reduce the settlement time for the company to shorten the investigation time.
"Adjustments depends on the accuracy of claims investigations, claims Pei An investigation determined that the quality and speed, will investigate claims front, in the report at the same time, material collection and investigation and verification, simplified procedures and shortened the time to improve the timeliness Of. "Sichuan branch of China Life, general manager of the new Pan Yun said.
Since the earthquake caused Qunsiqunshang situation often occurred in identifying beneficiaries and heirs of the problem, claims the pre-survey highlighted the importance of more, claims officers often need to take the village string Lane, to the local village committee, and the station master Relations people to verify insurance information and to identify the beneficiaries, successors identity.
Catastrophe before the settlement of insurance claims for both fast and accurate for the standards, seems to be a contradiction, but in the process of resolving contradictions, "12" earthquake claims emerged of many attempts to explore and practice, which both tested the The strength of insurance companies, insurance companies the credibility of relations.
31 Jul 2008
Four bank sounded insurance shares "regroupment"
Mixed Management is considered the trend of the times, the bank shares the insurance company has been outside attention. Yesterday, in the second quarter, summed up the situation at a news conference, the China Insurance Regulatory Commission spokesman, Assistant Chairman of the Yuan disclosed that the Industrial and Commercial Bank, China Construction Bank, Bank of Communications and Beijing Commercial Bank of the shares of insurance companies have mentioned the application to security Guardian Council, relevant departments are on the insurer's investment banking pilot programme for research.
Industry sources, this is the first time the China Insurance Regulatory Commission in response to the matter in public places on the banks of the fund companies Jianhangjianjin. Judging from the current situation, the bank's shares, seems more in line with the idea of the China Insurance Regulatory Commission, is expected to the lead.
Delineated four pilot banks
January this year, the State Council, China Banking Regulatory Commission and China Insurance Regulatory Commission approved the joint report of the "memorandum" and the principle of allowing 3-4 pilot banks into the insurance field, the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank, Bank of Beijing, Minsheng Bank, CITIC Bank and many other commercial banks are interested shares for the first single insurance company.
However, the China Banking Regulatory Commission the final delineation of the ICBC, Bank of Construction Bank and Bank of Beijing for the first batch of pilot banks. It is understood that the trip to the "peace line" insurance of the existing two shareholders - PICC Group and the Fortis Group to set up a new joint venture company, from this new wholly owned holding company Pacific Life Insurance, Pacific Insurance, Pacific Taiping Pension assets and four stake in the company. CCB may be directed through the issuance of additional shares to participate in a happy life, and the Bank, Bank of Beijing were the targets of shares in Baokang and the Pacific Antai.
ICBC is expected to "the lead"
Industry sources, although the CBRC has delineated four banks pilot, but the final decision still needs the China Insurance Regulatory Commission agreed to review. Therefore, the four banks to become shareholders as a key programme. It was disclosed that the bank submitted the programme is most satisfied with the China Insurance Regulatory Commission. This is because the other three banks to become shareholders in addition to submitting the programme, and also to those who wish to set up wholly-owned funds of insurance companies, is clearly not in line with the China Insurance Regulatory Commission of Supervision.
China Insurance Regulatory Commission Vice President in charge of the work of the ceremony ZHOU have repeatedly stressed in public: "The current investment banks insurance companies is limited to a pilot form of equity participation, does not include the new insurance company." Response, a state-owned insurance companies responsible for Told reporters, if it is wholly-owned insurance companies related to the coordination of the China Insurance Regulatory Commission and China Banking Regulatory Commission regulatory issues, in the current ministries of authority not clear when the apparent reluctance of the China Insurance Regulatory Commission and the CBRC positive for the regulatory powers.
Percentage of shares is expected to open up
According to reports, the China Banking Regulatory Commission and China Insurance Regulatory Commission have jointly drafted the "commercial banks insurance companies equity investment pilot management approach", is being examined. Of these, concerns the ratio of bank equity limit insurance companies are still in close discussion. However, from the current release of the policy signal, the China Insurance Regulatory Commission for bank equity stake in the proportion of the insurance company is expected to release 20 percent of the cap, but will still control 50 percent. It is learnt that, in accordance with "the insurance company equity management approach", individual investors (including related parties) of investment in insurance companies, shares held by the same insurance company shall not exceed 20 per cent of the total share capital.
In July 15's national work conference on insurance supervision, the China Insurance Regulatory Commission Chairman Assistant Yuan Li said that "at present non-financial corporate enterprises equity insurance companies to limit the proportion of 20%, taking into account the banks and other financial institutions are unique, The proportion of its shareholding insurance company may be higher. "Yuan Li did not disclose the specific equity ratio, but reporters after the meeting that the China Banking Regulatory Commission and China Insurance Regulatory Commission are currently on the details of the consultations.
Industry sources, this is the first time the China Insurance Regulatory Commission in response to the matter in public places on the banks of the fund companies Jianhangjianjin. Judging from the current situation, the bank's shares, seems more in line with the idea of the China Insurance Regulatory Commission, is expected to the lead.
Delineated four pilot banks
January this year, the State Council, China Banking Regulatory Commission and China Insurance Regulatory Commission approved the joint report of the "memorandum" and the principle of allowing 3-4 pilot banks into the insurance field, the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank, Bank of Beijing, Minsheng Bank, CITIC Bank and many other commercial banks are interested shares for the first single insurance company.
However, the China Banking Regulatory Commission the final delineation of the ICBC, Bank of Construction Bank and Bank of Beijing for the first batch of pilot banks. It is understood that the trip to the "peace line" insurance of the existing two shareholders - PICC Group and the Fortis Group to set up a new joint venture company, from this new wholly owned holding company Pacific Life Insurance, Pacific Insurance, Pacific Taiping Pension assets and four stake in the company. CCB may be directed through the issuance of additional shares to participate in a happy life, and the Bank, Bank of Beijing were the targets of shares in Baokang and the Pacific Antai.
ICBC is expected to "the lead"
Industry sources, although the CBRC has delineated four banks pilot, but the final decision still needs the China Insurance Regulatory Commission agreed to review. Therefore, the four banks to become shareholders as a key programme. It was disclosed that the bank submitted the programme is most satisfied with the China Insurance Regulatory Commission. This is because the other three banks to become shareholders in addition to submitting the programme, and also to those who wish to set up wholly-owned funds of insurance companies, is clearly not in line with the China Insurance Regulatory Commission of Supervision.
China Insurance Regulatory Commission Vice President in charge of the work of the ceremony ZHOU have repeatedly stressed in public: "The current investment banks insurance companies is limited to a pilot form of equity participation, does not include the new insurance company." Response, a state-owned insurance companies responsible for Told reporters, if it is wholly-owned insurance companies related to the coordination of the China Insurance Regulatory Commission and China Banking Regulatory Commission regulatory issues, in the current ministries of authority not clear when the apparent reluctance of the China Insurance Regulatory Commission and the CBRC positive for the regulatory powers.
Percentage of shares is expected to open up
According to reports, the China Banking Regulatory Commission and China Insurance Regulatory Commission have jointly drafted the "commercial banks insurance companies equity investment pilot management approach", is being examined. Of these, concerns the ratio of bank equity limit insurance companies are still in close discussion. However, from the current release of the policy signal, the China Insurance Regulatory Commission for bank equity stake in the proportion of the insurance company is expected to release 20 percent of the cap, but will still control 50 percent. It is learnt that, in accordance with "the insurance company equity management approach", individual investors (including related parties) of investment in insurance companies, shares held by the same insurance company shall not exceed 20 per cent of the total share capital.
In July 15's national work conference on insurance supervision, the China Insurance Regulatory Commission Chairman Assistant Yuan Li said that "at present non-financial corporate enterprises equity insurance companies to limit the proportion of 20%, taking into account the banks and other financial institutions are unique, The proportion of its shareholding insurance company may be higher. "Yuan Li did not disclose the specific equity ratio, but reporters after the meeting that the China Banking Regulatory Commission and China Insurance Regulatory Commission are currently on the details of the consultations.
Four bank sounded insurance shares "regroupment"
Mixed Management is considered the trend of the times, the bank shares the insurance company has been outside attention. Yesterday, in the second quarter, summed up the situation at a news conference, the China Insurance Regulatory Commission spokesman, Assistant Chairman of the Yuan disclosed that the Industrial and Commercial Bank, China Construction Bank, Bank of Communications and Beijing Commercial Bank of the shares of insurance companies have mentioned the application to security Guardian Council, relevant departments are on the insurer's investment banking pilot programme for research.
Industry sources, this is the first time the China Insurance Regulatory Commission in response to the matter in public places on the banks of the fund companies Jianhangjianjin. Judging from the current situation, the bank's shares, seems more in line with the idea of the China Insurance Regulatory Commission, is expected to the lead.
Delineated four pilot banks
January this year, the State Council, China Banking Regulatory Commission and China Insurance Regulatory Commission approved the joint report of the "memorandum" and the principle of allowing 3-4 pilot banks into the insurance field, the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank, Bank of Beijing, Minsheng Bank, CITIC Bank and many other commercial banks are interested shares for the first single insurance company.
However, the China Banking Regulatory Commission the final delineation of the ICBC, Bank of Construction Bank and Bank of Beijing for the first batch of pilot banks. It is understood that the trip to the "peace line" insurance of the existing two shareholders - PICC Group and the Fortis Group to set up a new joint venture company, from this new wholly owned holding company Pacific Life Insurance, Pacific Insurance, Pacific Taiping Pension assets and four stake in the company. CCB may be directed through the issuance of additional shares to participate in a happy life, and the Bank, Bank of Beijing were the targets of shares in Baokang and the Pacific Antai.
ICBC is expected to "the lead"
Industry sources, although the CBRC has delineated four banks pilot, but the final decision still needs the China Insurance Regulatory Commission agreed to review. Therefore, the four banks to become shareholders as a key programme. It was disclosed that the bank submitted the programme is most satisfied with the China Insurance Regulatory Commission. This is because the other three banks to become shareholders in addition to submitting the programme, and also to those who wish to set up wholly-owned funds of insurance companies, is clearly not in line with the China Insurance Regulatory Commission of Supervision.
China Insurance Regulatory Commission Vice President in charge of the work of the ceremony ZHOU have repeatedly stressed in public: "The current investment banks insurance companies is limited to a pilot form of equity participation, does not include the new insurance company." Response, a state-owned insurance companies responsible for Told reporters, if it is wholly-owned insurance companies related to the coordination of the China Insurance Regulatory Commission and China Banking Regulatory Commission regulatory issues, in the current ministries of authority not clear when the apparent reluctance of the China Insurance Regulatory Commission and the CBRC positive for the regulatory powers.
Percentage of shares is expected to open up
According to reports, the China Banking Regulatory Commission and China Insurance Regulatory Commission have jointly drafted the "commercial banks insurance companies equity investment pilot management approach", is being examined. Of these, concerns the ratio of bank equity limit insurance companies are still in close discussion. However, from the current release of the policy signal, the China Insurance Regulatory Commission for bank equity stake in the proportion of the insurance company is expected to release 20 percent of the cap, but will still control 50 percent. It is learnt that, in accordance with "the insurance company equity management approach", individual investors (including related parties) of investment in insurance companies, shares held by the same insurance company shall not exceed 20 per cent of the total share capital.
In July 15's national work conference on insurance supervision, the China Insurance Regulatory Commission Chairman Assistant Yuan Li said that "at present non-financial corporate enterprises equity insurance companies to limit the proportion of 20%, taking into account the banks and other financial institutions are unique, The proportion of its shareholding insurance company may be higher. "Yuan Li did not disclose the specific equity ratio, but reporters after the meeting that the China Banking Regulatory Commission and China Insurance Regulatory Commission are currently on the details of the consultations.
Industry sources, this is the first time the China Insurance Regulatory Commission in response to the matter in public places on the banks of the fund companies Jianhangjianjin. Judging from the current situation, the bank's shares, seems more in line with the idea of the China Insurance Regulatory Commission, is expected to the lead.
Delineated four pilot banks
January this year, the State Council, China Banking Regulatory Commission and China Insurance Regulatory Commission approved the joint report of the "memorandum" and the principle of allowing 3-4 pilot banks into the insurance field, the Industrial and Commercial Bank, Bank of Communications, China Construction Bank, China Merchants Bank, Bank of Beijing, Minsheng Bank, CITIC Bank and many other commercial banks are interested shares for the first single insurance company.
However, the China Banking Regulatory Commission the final delineation of the ICBC, Bank of Construction Bank and Bank of Beijing for the first batch of pilot banks. It is understood that the trip to the "peace line" insurance of the existing two shareholders - PICC Group and the Fortis Group to set up a new joint venture company, from this new wholly owned holding company Pacific Life Insurance, Pacific Insurance, Pacific Taiping Pension assets and four stake in the company. CCB may be directed through the issuance of additional shares to participate in a happy life, and the Bank, Bank of Beijing were the targets of shares in Baokang and the Pacific Antai.
ICBC is expected to "the lead"
Industry sources, although the CBRC has delineated four banks pilot, but the final decision still needs the China Insurance Regulatory Commission agreed to review. Therefore, the four banks to become shareholders as a key programme. It was disclosed that the bank submitted the programme is most satisfied with the China Insurance Regulatory Commission. This is because the other three banks to become shareholders in addition to submitting the programme, and also to those who wish to set up wholly-owned funds of insurance companies, is clearly not in line with the China Insurance Regulatory Commission of Supervision.
China Insurance Regulatory Commission Vice President in charge of the work of the ceremony ZHOU have repeatedly stressed in public: "The current investment banks insurance companies is limited to a pilot form of equity participation, does not include the new insurance company." Response, a state-owned insurance companies responsible for Told reporters, if it is wholly-owned insurance companies related to the coordination of the China Insurance Regulatory Commission and China Banking Regulatory Commission regulatory issues, in the current ministries of authority not clear when the apparent reluctance of the China Insurance Regulatory Commission and the CBRC positive for the regulatory powers.
Percentage of shares is expected to open up
According to reports, the China Banking Regulatory Commission and China Insurance Regulatory Commission have jointly drafted the "commercial banks insurance companies equity investment pilot management approach", is being examined. Of these, concerns the ratio of bank equity limit insurance companies are still in close discussion. However, from the current release of the policy signal, the China Insurance Regulatory Commission for bank equity stake in the proportion of the insurance company is expected to release 20 percent of the cap, but will still control 50 percent. It is learnt that, in accordance with "the insurance company equity management approach", individual investors (including related parties) of investment in insurance companies, shares held by the same insurance company shall not exceed 20 per cent of the total share capital.
In July 15's national work conference on insurance supervision, the China Insurance Regulatory Commission Chairman Assistant Yuan Li said that "at present non-financial corporate enterprises equity insurance companies to limit the proportion of 20%, taking into account the banks and other financial institutions are unique, The proportion of its shareholding insurance company may be higher. "Yuan Li did not disclose the specific equity ratio, but reporters after the meeting that the China Banking Regulatory Commission and China Insurance Regulatory Commission are currently on the details of the consultations.
Even the danger period for payment for investment in low-income people
08, because the capital market continued to shocks, starting some insurance companies pay for even the risk period for investors to avoid risks. "Payment period to even the set for insurance similar to the Fund, investors will be phased through the investment of funds into account, to a certain extent, to avoid market risks." Chongqing insurance experts say that even the risk of payment for the insurance function better, A slightly higher premium, because it is decentralized, more suitable for low-income people in the long-term investment through the accumulation of capital.
Even for investors to buy insurance, the premium delivery in accordance with the insurance contract is divided into two parts: the part of insurance into account, life insurance protection for investors; another part into investment accounts.
Even for investors to buy insurance, the premium delivery in accordance with the insurance contract is divided into two parts: the part of insurance into account, life insurance protection for investors; another part into investment accounts.
Heat stroke can be paid by the insurance companies?
● the summer heat has caused the scourge of the accident.
● unexpected heat stroke, can get insurance compensation? »
● heat stroke first place, out of the post, which the drugs who is going to pay »
Then the light of the above argument, heat stroke is not just insurance compensation. Let us look at the next story.
Blow to the scorching sun, the heat intolerable, then heat stroke also occur from time to time, but heat stroke can sometimes trigger a very serious consequences. In today's story, starting with a heat stroke-related incidents brought us out of the question: heat stroke, can get insurance compensation? » Out of the heat stroke lead, belong to an accident? » Get accident insurance claims? » We have to see today's story.
Mr Wong is a brand-name computer maintenance technicians, he is running the daily work in different parts of the city, for the company's customers come after-sales service. The daily life are very busy day, but also very full, fun. Each trip to the customers, they look forward to watching the eyes, and good maintenance after they pleased expression, Mr Wong, feel that their work meaningful.
Not only that, the company recently ran like Mr Wong, this staff is very considerate of the Ministry of Foreign Affairs, in the enjoyment of other benefits on the basis of, but also for everyone on the "accidental injury insurance."
Mr Wong, this accident insurance is not very understanding, he would like to be in an accident after the insurance compensation. Mr Wong hoped that the accident occurred or not the good.
But they really can not think of the accidents have taken place……
One day, Mr Wong, in the street under the scorching sun to a customer call. "Hey, Mr. Chang?« Hey, Wei Wei, you heard it…… "hang up call, redial back:" Hey, this is Mr. Zhang »Weiwei……" can not be repeated several times the normal call.
So, Mr Wong, a colleague named Xiao Liu also dial the phone.
"Hey, named Xiao Liu in this» "
"Hey, Huang, then you are looking for. With you, ah, you 'Accident Insurance' has run down, you will be assured!"
"Hey, good, good! Know." Linked to Mr Wong, the then dial the phone.
"Hey, named Xiao Liu, you see not what I said, I hasten to help check the details of Mr Cheung address, his phone seems to have problems, not listen to voices, I could not find his home where, Alas! "
Named Xiao Liu to the address of Mr Cheung told Mr Wong. Mr Wong, Mr Cheung to the customer's home to check his computer and do a lot of the corresponding maintenance. , Mr Wong also back under the scorching sun. Go on the road can feel like their own sweat, like spring water run out, that really is up to Zhaozhuo little Camel Xiangzi feeling. Feet are very heavy, the first a bit faint, the clothes are affixed to his body, Mr Wong, now just want to go home-a cold water bath.
In order to alleviate the discomfort of the heat, Mr Wong took out the MP3 Douli wearing ear in the hope that God will give their Titi, but waves of dizziness to go more and more difficult for Mr Wong. Mimihuhu see in front of a sell water sharing, Tian Tian their lips, swallow mouth spittle and accelerate the pace of share going to sell water……
At this time, Mr Wong stepping stone on the roadside slipping, the first touch in the teeth of the road. Selling the water rushed over to see his master, the original Mr. Huang heat stroke.
Mr Wong, woke up and found himself lying on the bed. Woke up at the mouth also shouted: "insurance" Gangxiang from sitting up in bed, he was a hands lightly holding down the.
Named Xiao Liu: hey, hey, do not worry, Gangxing, more lying single time.
Mr Wong: I was how the »
Named Xiao Liu: how their own do not remember, you stepped on a stone throw a big Gentou, or sell water to give you the master of the hospital. The doctor said you heat stroke, how then do not care »
Mr Wong: Oh, heat stroke! No wonder so faint it.
Named Xiao Liu: do not touch , head throw a big Kou Zi, but the doctor said no major event, just a few days rest.
Mr Wong: Oh. On, the medical expenses who helped me to put the »
Named Xiao Liu: I Bai, in addition I have Shuiya » But your mind at ease, the company give you on the "accidental injury insurance", insurance companies have filed for compensation, you feel at ease to rest it.
Mr Wong has given the company a few days recuperating at his peace of mind, he felt that Meisha necessary, so soon returned to the workplace.
But not a few days, Mr Wong is home to the accident to a special guest.
"Hello, may I ask you Mr. Huang?» "
"I am, you are» "
"I am a clerk of the insurance company, your company before you in my company for the security……"
"Oh, the insurance company is the ah, quick come in." "Will I apply for the outcome of the insurance payment?» "
"I is for this matter to, this is the case, your company before you apply to us the 'accident insurance' insurance claims, because of heat stroke……"
"Yes, indeed, a heat stroke."
"I am sorry, Mr Wong, heat stroke can not be counted as foreign unexpected incidents, so we insurance companies for this application is you can not claim. But if heat stroke lead to very serious consequences, like the disabled, died……
"I Shuaipo the first, this can lose it» "
"This is, according to our survey and you provide the certificate, you do not meet the standard of disability insurance areas, we can not get accident insurance claims. You can not get 'accident insurance' claims, but also your company You buy a 'medical insurance surcharge accident', your medical expenses will be paid, which is the payment, please confirm you in here and sign the word. "
(The above story comes from real cases)
Heat stroke can get the compensation insurance company? »
Moderator: Mr. Huang Zhen Daomei can, because the issue of telephone faults, and customers can not exchange even more unfortunate is that the heat stroke is back on the road, in very bad physical state of the circumstances of the stepping stones on the slip , Shuaipo the first. Mr Wong, the experience we express our sympathy. Heat stroke is a disease, but also can be said to be sudden illness, heat stroke can get the compensation insurance company? »
Expert Comments: First of all, heat stroke is really a disease, the harsh environment of the reaction, but not unexpected external incidents, at present, no insurance companies to set up a special heat stroke types, so that not only is heat stroke Insurance compensation.
Moderator: All along, due to heat stroke caused the accident is not always the availability of claims undetermined. The insurance companies claim that it was heat stroke can be insurance claims and the consequences of heat stroke and he (she) is closely related types of insurance. Is it true »
Expert Comments: China has yet to heat stroke specialized insurance, individual insurance companies for the claims of heat stroke also made a different definition. In general, the treatment of heat stroke attributable to the door (radical) attending the responsibility of the medical insurance. And are usually unable to purchase individual-to-door (radical) attending medical insurance products, the only group insurance customers, can enjoy this type of insurance services. If heat stroke in case of accidents and injuries associated with medical costs, may generally be added into the accident the responsibility of the medical insurance if the disabled to achieve a certain standard, you can further into the accidental injury insurance-related areas of responsibility.
Under what circumstances lead to heat stroke the consequences will involve the areas of insurance? »
Moderator: Here is a story to a more satisfactory results. Mr Wong is not bad luck, he should get a settlement of insurance claims. May also have such a doubt, what is under what circumstances led to the consequences of heat stroke will involve the areas of insurance? »
Expert Comments: heat stroke as a result of a health risk, according to different situations, from health insurance, accident insurance, to bear the responsibility for payment. If Mr Wong, in the course of their work collapsed of heat stroke, not an accident, even if he bought accident insurance, can not be paid. But if he serious symptoms of heat stroke, the need for hospital treatment, so if he purchased the hospital medical insurance, will be able to get the appropriate insurance claims payments.
Moderator: That is to say, out of heat stroke lead, an accident, accident insurance claims may be. Just heat stroke, accidents are not accidental injury. If the fall is out of the accident.
Expert Comments: Yes, only to the corresponding standards for the disabled, to receive the corresponding accident insurance payments while living in homes, by the accident to hospital medical insurance payments.
Moderator: In this particular proposal friends, in the purchase of "accidental injury insurance", corresponding to the purchase of the "additional medical accidents and dangerous" this important additional risk. We read story after the problems encountered by Mr Wong, a simple understanding, then, in addition there are no other circumstances? »
Expert Comments: There are still such a situation, if the work of heat stroke leading to death, on a work-related injuries, industrial injury insurance can be paid. In the morning and evening due to high temperature heat stroke deaths should also be regarded as work-related injuries, according to the labor departments of the injuries provided for payment.
Moderator: Today's story, we understand that, the general heat stroke can not get insurance claims; But when a heat stroke lead to very serious consequences, such as: disability, death and other incidents, may be involved in insurance areas.
Expert Comments: to remind everyone: the purchase of insurance, additional insurance is a very important link, or after the Chuxian the claims process, will bring a lot of troubles and disputes.
Aggregate: We understand that today's story, we can not heat stroke as a simple situation, that it is in fact a disease. So as a disease, accident insurance does not belong to the scope of the claims, it can only belong to the scope of health insurance claims. At the same time, we also understand that such a common sense, that is, when the disease - today we talked about the inside story of heat stroke, caused by disease or accidents occur, as the proximate cause of different caused by the insurance liability is not the same, therefore, insurance According to the principle of proximate cause the company to make a different payment. So here to remind everyone: the purchase of insurance, the purchase of additional insurance is also a more important link. In addition, we would also like to know more about the principle of insurance claims, such as the principle of proximate cause.
● unexpected heat stroke, can get insurance compensation? »
● heat stroke first place, out of the post, which the drugs who is going to pay »
Then the light of the above argument, heat stroke is not just insurance compensation. Let us look at the next story.
Blow to the scorching sun, the heat intolerable, then heat stroke also occur from time to time, but heat stroke can sometimes trigger a very serious consequences. In today's story, starting with a heat stroke-related incidents brought us out of the question: heat stroke, can get insurance compensation? » Out of the heat stroke lead, belong to an accident? » Get accident insurance claims? » We have to see today's story.
Mr Wong is a brand-name computer maintenance technicians, he is running the daily work in different parts of the city, for the company's customers come after-sales service. The daily life are very busy day, but also very full, fun. Each trip to the customers, they look forward to watching the eyes, and good maintenance after they pleased expression, Mr Wong, feel that their work meaningful.
Not only that, the company recently ran like Mr Wong, this staff is very considerate of the Ministry of Foreign Affairs, in the enjoyment of other benefits on the basis of, but also for everyone on the "accidental injury insurance."
Mr Wong, this accident insurance is not very understanding, he would like to be in an accident after the insurance compensation. Mr Wong hoped that the accident occurred or not the good.
But they really can not think of the accidents have taken place……
One day, Mr Wong, in the street under the scorching sun to a customer call. "Hey, Mr. Chang?« Hey, Wei Wei, you heard it…… "hang up call, redial back:" Hey, this is Mr. Zhang »Weiwei……" can not be repeated several times the normal call.
So, Mr Wong, a colleague named Xiao Liu also dial the phone.
"Hey, named Xiao Liu in this» "
"Hey, Huang, then you are looking for. With you, ah, you 'Accident Insurance' has run down, you will be assured!"
"Hey, good, good! Know." Linked to Mr Wong, the then dial the phone.
"Hey, named Xiao Liu, you see not what I said, I hasten to help check the details of Mr Cheung address, his phone seems to have problems, not listen to voices, I could not find his home where, Alas! "
Named Xiao Liu to the address of Mr Cheung told Mr Wong. Mr Wong, Mr Cheung to the customer's home to check his computer and do a lot of the corresponding maintenance. , Mr Wong also back under the scorching sun. Go on the road can feel like their own sweat, like spring water run out, that really is up to Zhaozhuo little Camel Xiangzi feeling. Feet are very heavy, the first a bit faint, the clothes are affixed to his body, Mr Wong, now just want to go home-a cold water bath.
In order to alleviate the discomfort of the heat, Mr Wong took out the MP3 Douli wearing ear in the hope that God will give their Titi, but waves of dizziness to go more and more difficult for Mr Wong. Mimihuhu see in front of a sell water sharing, Tian Tian their lips, swallow mouth spittle and accelerate the pace of share going to sell water……
At this time, Mr Wong stepping stone on the roadside slipping, the first touch in the teeth of the road. Selling the water rushed over to see his master, the original Mr. Huang heat stroke.
Mr Wong, woke up and found himself lying on the bed. Woke up at the mouth also shouted: "insurance" Gangxiang from sitting up in bed, he was a hands lightly holding down the.
Named Xiao Liu: hey, hey, do not worry, Gangxing, more lying single time.
Mr Wong: I was how the »
Named Xiao Liu: how their own do not remember, you stepped on a stone throw a big Gentou, or sell water to give you the master of the hospital. The doctor said you heat stroke, how then do not care »
Mr Wong: Oh, heat stroke! No wonder so faint it.
Named Xiao Liu: do not touch , head throw a big Kou Zi, but the doctor said no major event, just a few days rest.
Mr Wong: Oh. On, the medical expenses who helped me to put the »
Named Xiao Liu: I Bai, in addition I have Shuiya » But your mind at ease, the company give you on the "accidental injury insurance", insurance companies have filed for compensation, you feel at ease to rest it.
Mr Wong has given the company a few days recuperating at his peace of mind, he felt that Meisha necessary, so soon returned to the workplace.
But not a few days, Mr Wong is home to the accident to a special guest.
"Hello, may I ask you Mr. Huang?» "
"I am, you are» "
"I am a clerk of the insurance company, your company before you in my company for the security……"
"Oh, the insurance company is the ah, quick come in." "Will I apply for the outcome of the insurance payment?» "
"I is for this matter to, this is the case, your company before you apply to us the 'accident insurance' insurance claims, because of heat stroke……"
"Yes, indeed, a heat stroke."
"I am sorry, Mr Wong, heat stroke can not be counted as foreign unexpected incidents, so we insurance companies for this application is you can not claim. But if heat stroke lead to very serious consequences, like the disabled, died……
"I Shuaipo the first, this can lose it» "
"This is, according to our survey and you provide the certificate, you do not meet the standard of disability insurance areas, we can not get accident insurance claims. You can not get 'accident insurance' claims, but also your company You buy a 'medical insurance surcharge accident', your medical expenses will be paid, which is the payment, please confirm you in here and sign the word. "
(The above story comes from real cases)
Heat stroke can get the compensation insurance company? »
Moderator: Mr. Huang Zhen Daomei can, because the issue of telephone faults, and customers can not exchange even more unfortunate is that the heat stroke is back on the road, in very bad physical state of the circumstances of the stepping stones on the slip , Shuaipo the first. Mr Wong, the experience we express our sympathy. Heat stroke is a disease, but also can be said to be sudden illness, heat stroke can get the compensation insurance company? »
Expert Comments: First of all, heat stroke is really a disease, the harsh environment of the reaction, but not unexpected external incidents, at present, no insurance companies to set up a special heat stroke types, so that not only is heat stroke Insurance compensation.
Moderator: All along, due to heat stroke caused the accident is not always the availability of claims undetermined. The insurance companies claim that it was heat stroke can be insurance claims and the consequences of heat stroke and he (she) is closely related types of insurance. Is it true »
Expert Comments: China has yet to heat stroke specialized insurance, individual insurance companies for the claims of heat stroke also made a different definition. In general, the treatment of heat stroke attributable to the door (radical) attending the responsibility of the medical insurance. And are usually unable to purchase individual-to-door (radical) attending medical insurance products, the only group insurance customers, can enjoy this type of insurance services. If heat stroke in case of accidents and injuries associated with medical costs, may generally be added into the accident the responsibility of the medical insurance if the disabled to achieve a certain standard, you can further into the accidental injury insurance-related areas of responsibility.
Under what circumstances lead to heat stroke the consequences will involve the areas of insurance? »
Moderator: Here is a story to a more satisfactory results. Mr Wong is not bad luck, he should get a settlement of insurance claims. May also have such a doubt, what is under what circumstances led to the consequences of heat stroke will involve the areas of insurance? »
Expert Comments: heat stroke as a result of a health risk, according to different situations, from health insurance, accident insurance, to bear the responsibility for payment. If Mr Wong, in the course of their work collapsed of heat stroke, not an accident, even if he bought accident insurance, can not be paid. But if he serious symptoms of heat stroke, the need for hospital treatment, so if he purchased the hospital medical insurance, will be able to get the appropriate insurance claims payments.
Moderator: That is to say, out of heat stroke lead, an accident, accident insurance claims may be. Just heat stroke, accidents are not accidental injury. If the fall is out of the accident.
Expert Comments: Yes, only to the corresponding standards for the disabled, to receive the corresponding accident insurance payments while living in homes, by the accident to hospital medical insurance payments.
Moderator: In this particular proposal friends, in the purchase of "accidental injury insurance", corresponding to the purchase of the "additional medical accidents and dangerous" this important additional risk. We read story after the problems encountered by Mr Wong, a simple understanding, then, in addition there are no other circumstances? »
Expert Comments: There are still such a situation, if the work of heat stroke leading to death, on a work-related injuries, industrial injury insurance can be paid. In the morning and evening due to high temperature heat stroke deaths should also be regarded as work-related injuries, according to the labor departments of the injuries provided for payment.
Moderator: Today's story, we understand that, the general heat stroke can not get insurance claims; But when a heat stroke lead to very serious consequences, such as: disability, death and other incidents, may be involved in insurance areas.
Expert Comments: to remind everyone: the purchase of insurance, additional insurance is a very important link, or after the Chuxian the claims process, will bring a lot of troubles and disputes.
Aggregate: We understand that today's story, we can not heat stroke as a simple situation, that it is in fact a disease. So as a disease, accident insurance does not belong to the scope of the claims, it can only belong to the scope of health insurance claims. At the same time, we also understand that such a common sense, that is, when the disease - today we talked about the inside story of heat stroke, caused by disease or accidents occur, as the proximate cause of different caused by the insurance liability is not the same, therefore, insurance According to the principle of proximate cause the company to make a different payment. So here to remind everyone: the purchase of insurance, the purchase of additional insurance is also a more important link. In addition, we would also like to know more about the principle of insurance claims, such as the principle of proximate cause.
Beijing Olympic Games launched a comprehensive health care services
The imminent opening of the Beijing Olympic Games, Beijing Olympic Organizing Committee and the Beijing municipal health departments today held a news conference that the Beijing Olympic Games race medical and health protection services system has started.
Beijing Olympic Organizing Committee, vice minister of Games services DAI Jian-ping said that the six sub-division of the venue and level of medical services and Beijing will be the venue and level of medical services the same. Beijing division within the 31 competition venues and 45 training venues and 10 independent non-competition venues, a medical site 157, stationed 191 emergency vehicles, more than 3,000 volunteer medical professionals.
DAI Jian-ping said that the athletes in the Olympic Village on a comprehensive clinics, more than 600 health care workers will be athletes, coaches, officials, journalists and volunteers provide a comprehensive range of medical services, including even with glasses and the oral examination. Chinese medicine will also be integrated into the Olympic village clinics, mainly for the Chinese athletes interested in physical therapy, such as acupuncture, massage and Chinese medicine practitioners such as massage.
Olympic medical service system not only take into account athletes, also take care to the general audience. DAI Jian-ping today to the audience eating a "reassurance": during the Olympics, in the stands if there are sudden illness, through volunteers and medical assistants, the patient to the audience stations, each audience stations are Emergency vehicles. Olympic Games to viewers around the hospital had 52, the nearest treatment. Ticket holders on the date of the audience, the venue of service stations and from the venues to the hospital emergency room service is free of charge.
Beijing Olympic Organizing Committee, vice minister of Games services DAI Jian-ping said that the six sub-division of the venue and level of medical services and Beijing will be the venue and level of medical services the same. Beijing division within the 31 competition venues and 45 training venues and 10 independent non-competition venues, a medical site 157, stationed 191 emergency vehicles, more than 3,000 volunteer medical professionals.
DAI Jian-ping said that the athletes in the Olympic Village on a comprehensive clinics, more than 600 health care workers will be athletes, coaches, officials, journalists and volunteers provide a comprehensive range of medical services, including even with glasses and the oral examination. Chinese medicine will also be integrated into the Olympic village clinics, mainly for the Chinese athletes interested in physical therapy, such as acupuncture, massage and Chinese medicine practitioners such as massage.
Olympic medical service system not only take into account athletes, also take care to the general audience. DAI Jian-ping today to the audience eating a "reassurance": during the Olympics, in the stands if there are sudden illness, through volunteers and medical assistants, the patient to the audience stations, each audience stations are Emergency vehicles. Olympic Games to viewers around the hospital had 52, the nearest treatment. Ticket holders on the date of the audience, the venue of service stations and from the venues to the hospital emergency room service is free of charge.
The insurance industry of the top five information technology development trends
In recent years, with large insurance companies data on the in-depth progress, the overall competitiveness of the industry and constantly improve the level of modernization and information technology (IT) enterprises are more and more attention. The future, China's insurance industry will usher in a broader space for development, and information technology on the development of the industry will also play a decisive role.
The insurance industry of information technology in the future
The role of development
Information technology will become an important business decision analysis aids. With the development of the insurance industry, the traditional on-line transaction processing has been insufficient to enable enterprises to gain the advantage in the competition, insurance companies must operate their own business and related industries to analyze market conditions, in order to make the right decisions, not to be Out of the market. At present, the insurance industry has accumulated vast amounts of data, if traditional, consisting mainly of artificial means to deal with, it is difficult to play its value, can not come to a comprehensive, accurate conclusions. Only insurance companies rely on a strong information technology, advanced planning of the system architecture, and establish a data warehouse-based decision support system, and by the on-line transaction processing to the on-line analytical processing into a comprehensive, multi-dimensional reading of all kinds of information, The value of in-depth excavation which can accurately grasp the market to develop in line with future development trend of the decision-making, for the enterprise lay a good foundation for tomorrow.
Information technology industry for product innovation can provide protection. The same product of serious, is easy to copy the insurance industry has always existed within the phenomenon, which has significantly affected the company's innovative initiative. Similarly, as the financial services sector, Shanghai Pudong Development Bank has the advantage of relying on information technology to circumvent the problem: product innovation will be fully functional in a strong framework, design concepts leading IT systems, not only so that enterprises can quickly corresponding market needs, enhance A copy of the threshold. Competitors to copy a similar service, in addition to understanding the design of the products mode, still might have to amend its own system, which is obviously greatly increases the difficulty of copying. Shanghai Pudong Development Bank's success worthy of the insurance industry reference and give full play to the advantages of information technology can not only vigorously promote innovation, but also the protection of innovation, to promote industry-wide awareness of innovation.
A strong information technology will help insurance companies open up new sales channels. The future development of the financial industry is one of the important ways to open up new channels. IBM Global Business Consulting Services Division in the "2020 China's insurance customer-centric innovation and change," pointed out: By 2020, China's insurance companies will adopt the new channel mode to win customers, the emerging electronic channels will be developed into an important Sales channels. The emerging electronic channels, including: network, television shopping channels, mobile devices, such as self-service kiosks. At present, China has set foot in the online insurance sales and other electronic channels are also explored, including many issues, such as the security of transactions, sales of both interactive and follow-up services, have to rely on information technology to solve. Who made the first breakthrough, who is likely in the next competition and gain the initiative. For the financial industry with the China Merchants Bank is due to start earlier research project, first launched in the country only "one China Netcom," and hosting online banking business, becoming the leader in the industry. Strokes to the success has fully demonstrated that information technology will become the insurance industry for the future of major weapons sales channels.
Information technology will help enhance the insurance industry, the quality of service. With the increase in the main market, in an increasingly competitive industry, quality of service insurance companies become an important factor in attracting customers. A strong information technology business systems can protect the stability and improve the efficiency of day-to-day work, for clients with faster, better, more secure, thus directly improve the quality of service industries. The securities industry success stories to fully proved this point, in 2007, the stock market trading volume soared, but the company's business systems have withstood the test of a stable, convenient and efficient service, has won recognition. According to the industry, since 2006, the major securities companies have stepped up construction of information, and the successful completion of the expansion of the system upgrade, thereby safeguarding the temporary market to the company's business smoothly. At present, China's insurance industry is in a golden period of development, the rapid growth of business scale, it is necessary to ensure that the future quality of service, information technology support is likewise essential.
Information technology will promote the professionalization of the insurance industry, the Group of development. China's insurance market is becoming increasingly fierce. The author believes that in order to better adapt to the market, small-scale insurance companies may be in transition to professional management, and the larger insurance companies may achieve groups, cross-sectoral development. Domestic insurance companies must undergo specialized business units optimization, process optimization, the ultimate realization of business optimization, while foreign and external partners need to strengthen the cooperation and optimize the internal and external cooperation are indispensable for information technology support. Development of the Group of insurance companies may get involved in banking, securities and other fields, and cross-industry business, which requires in-house systems of different standardized transmission of information. At the same time, cross-sectoral data with a high degree of centralization, the system logic structure, stability, data-processing capacity and safety management will also appear higher level of demand. All of this will be on information technology to new challenges.
The insurance industry of the future development of information
Trend of
The insurance industry to accelerate standardization of information system building process. The insurance industry is data and information-intensive industries and make full use of industry-wide data in order to build a good external environment for development. Therefore, the implementation of the standardization of information systems and achieve industry-wide sharing of information is imperative. China's insurance industry standardization has just started, a higher starting point must go through a long complicated process. The author believes that the industry in promoting the standardization process, could be taken from outside the method, first in the market is large in scale, strong technical force, business representative of the company to establish a unified external information exchange port, and then gradually transform the company Internal systems, on the basis of the reality of our country to explore the establishment of the unified messaging industry standards and mature after a comprehensive promotion.
Training in both technical and operational capacity of the personnel. At present, China's financial sector still exist within such a phenomenon: the business sector that technology can not fully meet the business needs, while technology sector is unclear complained that business needs to consider the feasibility of the project inadequate. How to resolve the differences between the two is the insurance industry information construction must face the problem. The author believes that cultivating talent is a well-established approach, the company can pick experienced technical personnel training so as to fully grasp business structure and processes. They will both technical and business skills, on the one hand co-ordination between the departments, communication, to ensure the smooth inter-with the other development projects throughout the follow-up, in practice at any time demand, and assume the latter part of the system testing and training And so on.
Subdivision customer groups, to find the value of the crowd, in a targeted manner in data mining. The establishment of multi-dimensional data warehousing, data mining-depth development, is the insurance industry information construction hot spots. The author believes that China's insurance industry data warehouse construction has not yet highly sophisticated, there must be targeted for data mining, can yield higher efficiency. Underwriting profit margin is low important issues facing the insurance companies, according to 20/80 principle, the vast majority of the financial industry profits (80%) is a small number of customers (20 percent) created. In carrying out data mining companies, should focus on this small number of customers in search and analysis, the locked area, in-depth research, mining, the intrinsic value of high-quality, enhance their quality of the business.
Strengthen the building of information security, network to further expand sales channels. With the degree of social information in-depth, the network has become the focus of new sales channels. At present, companies should be targeted for research related to information technology: to strengthen security strategy to protect network communications security, increased on-line transactions in the course of interaction between the two sides of the links, so that network sales channels to further improve the mature, widely accepted by customers. Meanwhile, the number of single premiums are small in scale, but the development of a large space of insurance (such as home Property Insurance), can focus on network sales model as a pilot.
The use of information technology, exploring a new type of service model. Improve service quality, the company is an important means of attracting customers. China's insurance industry information into the future of services provided a vast space. I believe that, at present, the company should improve the system architecture, and optimize business processes, improve service speed and increase product features and so on intensify its efforts to facilitate as much as possible from the perspective of customers and improve service quality. At the same time, focus on the future, considering the introduction of fast, efficient, low cost, wide coverage of the electronic mode of service. As for financial management of insurance products, can refer to examples of self-service banking, insurance attempt to create a self-service equipment, round-the-clock to provide the information, details print services. This pattern in information technology have a certain pre-investment, but a follow-up saving a lot of manpower costs, and greatly facilitate the customers, will be widely welcomed, with the future development of the industry.
The insurance industry of information technology in the future
The role of development
Information technology will become an important business decision analysis aids. With the development of the insurance industry, the traditional on-line transaction processing has been insufficient to enable enterprises to gain the advantage in the competition, insurance companies must operate their own business and related industries to analyze market conditions, in order to make the right decisions, not to be Out of the market. At present, the insurance industry has accumulated vast amounts of data, if traditional, consisting mainly of artificial means to deal with, it is difficult to play its value, can not come to a comprehensive, accurate conclusions. Only insurance companies rely on a strong information technology, advanced planning of the system architecture, and establish a data warehouse-based decision support system, and by the on-line transaction processing to the on-line analytical processing into a comprehensive, multi-dimensional reading of all kinds of information, The value of in-depth excavation which can accurately grasp the market to develop in line with future development trend of the decision-making, for the enterprise lay a good foundation for tomorrow.
Information technology industry for product innovation can provide protection. The same product of serious, is easy to copy the insurance industry has always existed within the phenomenon, which has significantly affected the company's innovative initiative. Similarly, as the financial services sector, Shanghai Pudong Development Bank has the advantage of relying on information technology to circumvent the problem: product innovation will be fully functional in a strong framework, design concepts leading IT systems, not only so that enterprises can quickly corresponding market needs, enhance A copy of the threshold. Competitors to copy a similar service, in addition to understanding the design of the products mode, still might have to amend its own system, which is obviously greatly increases the difficulty of copying. Shanghai Pudong Development Bank's success worthy of the insurance industry reference and give full play to the advantages of information technology can not only vigorously promote innovation, but also the protection of innovation, to promote industry-wide awareness of innovation.
A strong information technology will help insurance companies open up new sales channels. The future development of the financial industry is one of the important ways to open up new channels. IBM Global Business Consulting Services Division in the "2020 China's insurance customer-centric innovation and change," pointed out: By 2020, China's insurance companies will adopt the new channel mode to win customers, the emerging electronic channels will be developed into an important Sales channels. The emerging electronic channels, including: network, television shopping channels, mobile devices, such as self-service kiosks. At present, China has set foot in the online insurance sales and other electronic channels are also explored, including many issues, such as the security of transactions, sales of both interactive and follow-up services, have to rely on information technology to solve. Who made the first breakthrough, who is likely in the next competition and gain the initiative. For the financial industry with the China Merchants Bank is due to start earlier research project, first launched in the country only "one China Netcom," and hosting online banking business, becoming the leader in the industry. Strokes to the success has fully demonstrated that information technology will become the insurance industry for the future of major weapons sales channels.
Information technology will help enhance the insurance industry, the quality of service. With the increase in the main market, in an increasingly competitive industry, quality of service insurance companies become an important factor in attracting customers. A strong information technology business systems can protect the stability and improve the efficiency of day-to-day work, for clients with faster, better, more secure, thus directly improve the quality of service industries. The securities industry success stories to fully proved this point, in 2007, the stock market trading volume soared, but the company's business systems have withstood the test of a stable, convenient and efficient service, has won recognition. According to the industry, since 2006, the major securities companies have stepped up construction of information, and the successful completion of the expansion of the system upgrade, thereby safeguarding the temporary market to the company's business smoothly. At present, China's insurance industry is in a golden period of development, the rapid growth of business scale, it is necessary to ensure that the future quality of service, information technology support is likewise essential.
Information technology will promote the professionalization of the insurance industry, the Group of development. China's insurance market is becoming increasingly fierce. The author believes that in order to better adapt to the market, small-scale insurance companies may be in transition to professional management, and the larger insurance companies may achieve groups, cross-sectoral development. Domestic insurance companies must undergo specialized business units optimization, process optimization, the ultimate realization of business optimization, while foreign and external partners need to strengthen the cooperation and optimize the internal and external cooperation are indispensable for information technology support. Development of the Group of insurance companies may get involved in banking, securities and other fields, and cross-industry business, which requires in-house systems of different standardized transmission of information. At the same time, cross-sectoral data with a high degree of centralization, the system logic structure, stability, data-processing capacity and safety management will also appear higher level of demand. All of this will be on information technology to new challenges.
The insurance industry of the future development of information
Trend of
The insurance industry to accelerate standardization of information system building process. The insurance industry is data and information-intensive industries and make full use of industry-wide data in order to build a good external environment for development. Therefore, the implementation of the standardization of information systems and achieve industry-wide sharing of information is imperative. China's insurance industry standardization has just started, a higher starting point must go through a long complicated process. The author believes that the industry in promoting the standardization process, could be taken from outside the method, first in the market is large in scale, strong technical force, business representative of the company to establish a unified external information exchange port, and then gradually transform the company Internal systems, on the basis of the reality of our country to explore the establishment of the unified messaging industry standards and mature after a comprehensive promotion.
Training in both technical and operational capacity of the personnel. At present, China's financial sector still exist within such a phenomenon: the business sector that technology can not fully meet the business needs, while technology sector is unclear complained that business needs to consider the feasibility of the project inadequate. How to resolve the differences between the two is the insurance industry information construction must face the problem. The author believes that cultivating talent is a well-established approach, the company can pick experienced technical personnel training so as to fully grasp business structure and processes. They will both technical and business skills, on the one hand co-ordination between the departments, communication, to ensure the smooth inter-with the other development projects throughout the follow-up, in practice at any time demand, and assume the latter part of the system testing and training And so on.
Subdivision customer groups, to find the value of the crowd, in a targeted manner in data mining. The establishment of multi-dimensional data warehousing, data mining-depth development, is the insurance industry information construction hot spots. The author believes that China's insurance industry data warehouse construction has not yet highly sophisticated, there must be targeted for data mining, can yield higher efficiency. Underwriting profit margin is low important issues facing the insurance companies, according to 20/80 principle, the vast majority of the financial industry profits (80%) is a small number of customers (20 percent) created. In carrying out data mining companies, should focus on this small number of customers in search and analysis, the locked area, in-depth research, mining, the intrinsic value of high-quality, enhance their quality of the business.
Strengthen the building of information security, network to further expand sales channels. With the degree of social information in-depth, the network has become the focus of new sales channels. At present, companies should be targeted for research related to information technology: to strengthen security strategy to protect network communications security, increased on-line transactions in the course of interaction between the two sides of the links, so that network sales channels to further improve the mature, widely accepted by customers. Meanwhile, the number of single premiums are small in scale, but the development of a large space of insurance (such as home Property Insurance), can focus on network sales model as a pilot.
The use of information technology, exploring a new type of service model. Improve service quality, the company is an important means of attracting customers. China's insurance industry information into the future of services provided a vast space. I believe that, at present, the company should improve the system architecture, and optimize business processes, improve service speed and increase product features and so on intensify its efforts to facilitate as much as possible from the perspective of customers and improve service quality. At the same time, focus on the future, considering the introduction of fast, efficient, low cost, wide coverage of the electronic mode of service. As for financial management of insurance products, can refer to examples of self-service banking, insurance attempt to create a self-service equipment, round-the-clock to provide the information, details print services. This pattern in information technology have a certain pre-investment, but a follow-up saving a lot of manpower costs, and greatly facilitate the customers, will be widely welcomed, with the future development of the industry.
General Insurance companies busy with the recruitment of foreign capital
"Points of change" after busy with the expansion of foreign investment institutions General Insurance Company, are now actively recruit ready. Including Sun Alliance Insurance (China) Co., Ltd., AIU Insurance Co., Ltd., the General Insurance companies have their foreign recruit talent.
The first time in nine years to open a new branch of the United States and Asia Property Insurance, yesterday in the company's Web site and recruitment advertising site hung from its Beijing branch move people. And Sun Alliance Insurance (China) are also posted on a Web site to recruit more than 20 candidates.
The first time in nine years to open a new branch of the United States and Asia Property Insurance, yesterday in the company's Web site and recruitment advertising site hung from its Beijing branch move people. And Sun Alliance Insurance (China) are also posted on a Web site to recruit more than 20 candidates.
General Insurance companies have faded out mortgage insurance
Trying to raise non-rate mortgage insurance fees for the final round of the General Insurance Company, after all difficult to carry surrender and the rise in the rate of decline of new single-volume pressure, to give up their mortgage insurance business. Two years ago Hongjiyishi mortgage insurance, or people will gradually fade out of sight.
Illegal operations sentiment Wan decline
Since 90% of the mortgage insurance sales through bank channels, the General Insurance companies paid to the bank charges into the level of mortgage insurance can affect the key to achieving profitability. In accordance with the requirements of the China Insurance Regulatory Commission, insurance companies paid to the bank charges the maximum rate is 15%. Informed sources said, "In fact, the risk to business, insurance companies, to the bank's basic fees are more than 15 per cent, the overall level of rates in the 15 to 20 percent, and some companies even to a rate of 30 percent or more. "
However, such irregularities, not to bring new hope that the mortgage insurance. Shanghai engaged in a mortgage insurance sales people said, "Now we do the business day it is very difficult to have two insurance policies, it is often the entrance of the company - the insured Paiqichanglong queuing policy of retreat that often."
According to the Shanghai Insurance Association statistics, this year, 1-6 month, more than 20 insurance companies in Shanghai's total mortgage insurance premium revenue for the -7441.65 million. Among them, there surrender the premium amount higher than the new single premiums, this inversion of the General Insurance Corporation premiums account for 60% of the total, the inversion of the General Insurance Corporation up to a total premium -2471.98 million. This premium inversion phenomenon in Inner Mongolia, northeast China, the Yangtze River Delta, the Pearl River Delta and other regions almost abound.
Unprofitable enterprises out insurance market
"Because no profit at all, the company will no longer be addressed to the mortgage insurance business indicators, that is, companies do not encourage mortgage insurance." Certain insurance companies said. Several interviewed by reporters the General Insurance companies have expressed interest faded out Compressed business mortgage insurance market.
In fact, the insurance itself, the payment rate is less than 10% of the mortgage insurance is a highly profitable insurance. 10% of the payment rate and the rate of 20 per cent of the fee a rough calculation, taking into account other costs, the comprehensive cost of mortgage insurance rates in only about 40 percent, far below the motor. It is hope to see profit, General Insurance Corporation to raise fees at the illegal manner for a final round.
However, the large area of the surrender of the mortgage insurance deadly blow. "Mortgage insurance to operate at least five years or more to be able to profit, but now most of the policyholders less than five years on prepayments." Property Insurance Company of a mortgage insurance official said, the various insurance companies in Shanghai this year's retreat Bao was mostly in 30 to 40 percent, and the surrender in all cases, the five-year period on prepayments surrender of the most concentrated, followed by 1-2 years surrender, and some even less than six months for retreat Bao. This means that most companies can only Property Insurance policyholders received less than five years of premiums, and do not break even line, but a one-time payment to the high bank charges has Fushuinanshou. On the other hand, due to shrinking sales of real estate, banking abolish mandatory sales of mortgage insurance, mortgage insurance premiums have continued to single new show negative growth, the overall profit margin showed negative Property Insurance Company is already stretched.
An insurance company to be listed on the people told reporters that the first half of a loss Dajuyiding auto insurance, mortgage insurance premiums inversion occurred, the company's full-year earnings to increase pressure, in order not to affect the company's performance, Tingdiao with high profitability of the Mortgage insurance is a foregone conclusion.
Illegal operations sentiment Wan decline
Since 90% of the mortgage insurance sales through bank channels, the General Insurance companies paid to the bank charges into the level of mortgage insurance can affect the key to achieving profitability. In accordance with the requirements of the China Insurance Regulatory Commission, insurance companies paid to the bank charges the maximum rate is 15%. Informed sources said, "In fact, the risk to business, insurance companies, to the bank's basic fees are more than 15 per cent, the overall level of rates in the 15 to 20 percent, and some companies even to a rate of 30 percent or more. "
However, such irregularities, not to bring new hope that the mortgage insurance. Shanghai engaged in a mortgage insurance sales people said, "Now we do the business day it is very difficult to have two insurance policies, it is often the entrance of the company - the insured Paiqichanglong queuing policy of retreat that often."
According to the Shanghai Insurance Association statistics, this year, 1-6 month, more than 20 insurance companies in Shanghai's total mortgage insurance premium revenue for the -7441.65 million. Among them, there surrender the premium amount higher than the new single premiums, this inversion of the General Insurance Corporation premiums account for 60% of the total, the inversion of the General Insurance Corporation up to a total premium -2471.98 million. This premium inversion phenomenon in Inner Mongolia, northeast China, the Yangtze River Delta, the Pearl River Delta and other regions almost abound.
Unprofitable enterprises out insurance market
"Because no profit at all, the company will no longer be addressed to the mortgage insurance business indicators, that is, companies do not encourage mortgage insurance." Certain insurance companies said. Several interviewed by reporters the General Insurance companies have expressed interest faded out Compressed business mortgage insurance market.
In fact, the insurance itself, the payment rate is less than 10% of the mortgage insurance is a highly profitable insurance. 10% of the payment rate and the rate of 20 per cent of the fee a rough calculation, taking into account other costs, the comprehensive cost of mortgage insurance rates in only about 40 percent, far below the motor. It is hope to see profit, General Insurance Corporation to raise fees at the illegal manner for a final round.
However, the large area of the surrender of the mortgage insurance deadly blow. "Mortgage insurance to operate at least five years or more to be able to profit, but now most of the policyholders less than five years on prepayments." Property Insurance Company of a mortgage insurance official said, the various insurance companies in Shanghai this year's retreat Bao was mostly in 30 to 40 percent, and the surrender in all cases, the five-year period on prepayments surrender of the most concentrated, followed by 1-2 years surrender, and some even less than six months for retreat Bao. This means that most companies can only Property Insurance policyholders received less than five years of premiums, and do not break even line, but a one-time payment to the high bank charges has Fushuinanshou. On the other hand, due to shrinking sales of real estate, banking abolish mandatory sales of mortgage insurance, mortgage insurance premiums have continued to single new show negative growth, the overall profit margin showed negative Property Insurance Company is already stretched.
An insurance company to be listed on the people told reporters that the first half of a loss Dajuyiding auto insurance, mortgage insurance premiums inversion occurred, the company's full-year earnings to increase pressure, in order not to affect the company's performance, Tingdiao with high profitability of the Mortgage insurance is a foregone conclusion.
China Insurance Regulatory Commission requirements of implementing the policy of agricultural insurance policy
China Insurance Regulatory Commission yesterday released "on the strengthening of the agricultural policy of insurance policies and measures to implement the work of the notice," asked the Chinese People's Property Insurance Company, Ltd. and other seven insurance companies from five sectors start to implement the policy of agricultural insurance responsibilities.
The circular points out that insurance companies underwriting, it is necessary to regulate the operation of the settlement, we should focus on timeliness and effectiveness in accounting, we should strictly abide by the state financial and economic discipline and related insurance regulatory requirements, management should strengthen risk awareness, in the internal control To strengthen the internal aspects of supervision and restraint mechanisms.
Bao Jianju to strengthen the supervision and resolutely crack down on agricultural insurance policy management in the process of fraud, the policy concerns of the agricultural insurance accounted for separately, organization of the special inspection of agricultural insurance, seriously investigate and deal with all kinds of illegal acts. In addition, Bao Jianju to strengthen and financial, tax and audit departments of the Joint Inspection work, and agriculture, meteorology, and other departments with the necessary work to establish liaison mechanism, and do a good job of agricultural insurance policies work.
The circular points out that insurance companies underwriting, it is necessary to regulate the operation of the settlement, we should focus on timeliness and effectiveness in accounting, we should strictly abide by the state financial and economic discipline and related insurance regulatory requirements, management should strengthen risk awareness, in the internal control To strengthen the internal aspects of supervision and restraint mechanisms.
Bao Jianju to strengthen the supervision and resolutely crack down on agricultural insurance policy management in the process of fraud, the policy concerns of the agricultural insurance accounted for separately, organization of the special inspection of agricultural insurance, seriously investigate and deal with all kinds of illegal acts. In addition, Bao Jianju to strengthen and financial, tax and audit departments of the Joint Inspection work, and agriculture, meteorology, and other departments with the necessary work to establish liaison mechanism, and do a good job of agricultural insurance policies work.
Insurance premium income growth in high-risk fell to release
In 2008 the first half of the life insurance premium income realized 182.1 billion, an increase of 50 percent, safe life premium income of 53.9 billion to achieve, an increase of 27.8 percent, Taibao life premium income of 38.9 billion to achieve, an increase of 59%. Adjustment in the stock market, a short-term earnings impact on insurance companies, investment income declined, but the strong wishes of the residents to avoid risks, the growth of household savings, life insurance premium income growth will accelerate there.
With a number of advantages in expanding the scale of the insurance companies, insurance companies leading the market share of the decline is a normal phenomenon. Insurance products can easily be copied, the product's brand image will not be much difference, the more difficult to establish their own unique heterogeneity, the insurance company's competitiveness depends largely on the personal business marketers and the company's ability to expand Investment capacity to bring the interests of its clients.
China's snowstorm this year and has withstood earthquakes and other severe natural disasters, the current situation, despite the insurance industry actively payment, but insurance payments accounted for disaster loss ratio remained low, we believe that the latter part of seismic work is completed, the insurance companies. Complaints and adjustments will require an increase, but the insurance company and the impact will not be too great. After the test of catastrophe insurance awareness of the people to strengthen, we expect the future premium income will remain relatively high speed of growth, the insurance industry to maintain our neutral rating.
With a number of advantages in expanding the scale of the insurance companies, insurance companies leading the market share of the decline is a normal phenomenon. Insurance products can easily be copied, the product's brand image will not be much difference, the more difficult to establish their own unique heterogeneity, the insurance company's competitiveness depends largely on the personal business marketers and the company's ability to expand Investment capacity to bring the interests of its clients.
China's snowstorm this year and has withstood earthquakes and other severe natural disasters, the current situation, despite the insurance industry actively payment, but insurance payments accounted for disaster loss ratio remained low, we believe that the latter part of seismic work is completed, the insurance companies. Complaints and adjustments will require an increase, but the insurance company and the impact will not be too great. After the test of catastrophe insurance awareness of the people to strengthen, we expect the future premium income will remain relatively high speed of growth, the insurance industry to maintain our neutral rating.
Insurance premium income growth in high-risk fell to release
In 2008 the first half of the life insurance premium income realized 182.1 billion, an increase of 50 percent, safe life premium income of 53.9 billion to achieve, an increase of 27.8 percent, Taibao life premium income of 38.9 billion to achieve, an increase of 59%. Adjustment in the stock market, a short-term earnings impact on insurance companies, investment income declined, but the strong wishes of the residents to avoid risks, the growth of household savings, life insurance premium income growth will accelerate there.
With a number of advantages in expanding the scale of the insurance companies, insurance companies leading the market share of the decline is a normal phenomenon. Insurance products can easily be copied, the product's brand image will not be much difference, the more difficult to establish their own unique heterogeneity, the insurance company's competitiveness depends largely on the personal business marketers and the company's ability to expand Investment capacity to bring the interests of its clients.
China's snowstorm this year and has withstood earthquakes and other severe natural disasters, the current situation, despite the insurance industry actively payment, but insurance payments accounted for disaster loss ratio remained low, we believe that the latter part of seismic work is completed, the insurance companies. Complaints and adjustments will require an increase, but the insurance company and the impact will not be too great. After the test of catastrophe insurance awareness of the people to strengthen, we expect the future premium income will remain relatively high speed of growth, the insurance industry to maintain our neutral rating.
With a number of advantages in expanding the scale of the insurance companies, insurance companies leading the market share of the decline is a normal phenomenon. Insurance products can easily be copied, the product's brand image will not be much difference, the more difficult to establish their own unique heterogeneity, the insurance company's competitiveness depends largely on the personal business marketers and the company's ability to expand Investment capacity to bring the interests of its clients.
China's snowstorm this year and has withstood earthquakes and other severe natural disasters, the current situation, despite the insurance industry actively payment, but insurance payments accounted for disaster loss ratio remained low, we believe that the latter part of seismic work is completed, the insurance companies. Complaints and adjustments will require an increase, but the insurance company and the impact will not be too great. After the test of catastrophe insurance awareness of the people to strengthen, we expect the future premium income will remain relatively high speed of growth, the insurance industry to maintain our neutral rating.
Public insurance company solvency less than short-term business growth too fast
Extensive development is the main reason
July 15, 2008, at a national insurance work conference on supervision, the China Insurance Regulatory Commission Chairman Wu Dingfu, the first disclosure of the 12 insurance companies in different levels of solvency less than the risk.
Two days after the July 17, the China Insurance Regulatory Commission in one breath and announced the details of the nine insurance companies replenishment, including five General Insurance Corporation and the four life insurance companies, are: all state General Insurance, Huatai Choi Insurance, the Bank of insurance, public insurance, Wing On Property Insurance, China Aviation Samsung, Pa Hsin-cheng Life, China and the United States metropolis, Haier New York Life.
Inadequate capacity to trigger payment of reasons, Wu Dingfu analysis at the meeting: "the general level of solvency industry decline, in addition to the stock market continue to lower the impact, the key reason is that some of the extensive mode of development, product structure is irrational, company profitability Is not strong or even long-term losses, mainly dependent on shareholder capital increase or maintain the solvency issue Ciji Zhai. At the same time, some companies there are shortcomings in the management structure, failure to establish effective internal risk management mechanism, operating in the short-term behavior rather conspicuous. "
At the same time, the China Insurance Regulatory Commission also said that the rapid development of a lack of short-term solvency of the company, to urge the company by limiting the scale of business, the strengthening of security, optimize the business structure, and other measures to improve the solvency, as well as through the listing, replenishment Kuogu , Issued Ciji Zhai, and other ways to raise capital, lack of solvency ease the pressure.
CIRC also announced the same period, the first half of 2008 a total of 23 insurance companies for the replenishment of its registered capital, and many of them are already conducted a capital increase last year.
Although busy with so many companies replenishment, and most of all for the generous, but in the insurance industry, solvency seems to be insufficient for the lack of fear.
Have an accounting of the State Property Insurance that the payment capacity of one of the major factors in the interests of its shareholders. They company is also in the capital increase completed this year, after the capital increase greatly enhance the company's ability to pay.
Pacific Antai Insurance Company, a manager believes that this industry is a common phenomenon. The number ratio is adequate, safe, countries vary.
An internal safety groups believe that the lack of solvency of the company should be more because of excessive short-term business growth.
He Zhong Life stakeholders also said that the solvency adequacy ratio equal to the insurance company's actual capital and minimum capital ratio, the minimum solvency of the insurance companies in the commitment on the basis of existing liabilities, further support the future development and the establishment of early warning indicators. Solvency is a dynamic indicator, the insurance companies in the course of business, even if a lack of solvency, but also to increase capital, rational use of insurance funds, operational structure adjustment and control costs, and other measures to resolve this problem.
China Insurance Regulatory Commission to urge self-administered home insurance rate
If lack of fear, why the China Insurance Regulatory Commission launched a new requirement » What is the ability to pay »
Ability to pay is to protect the interests of the insuring public warning line is that insurance institutions to carry out the responsibility to pay compensation or ability, but also insurance agencies and financial strength of its own commitment by the risk of liability for comparison.
July 14, 2008, the China Insurance Regulatory Commission promulgated the "Regulations on Management of insurance company solvency," and on September 1, 2008 shall come into operation on the same day the abolition of the "amount of insurance company solvency and monitoring indicators management regulations."
According to the latest release of the China Insurance Regulatory Commission, according to solvency status, lack of insurance companies are divided into categories, sufficient Class I and Class II adequate three companies, its solvency adequacy ratio was below 100%, 100% to 150%, higher than the 150 per cent.
Green, spokesman for the Group of Health in Shengrui "Securities Daily" in an interview explained that the CIRC is the timely introduction of new regulations and more scientific and rational, more stringent regulation also is conducive to the health of the whole industry, sound Direction. In solvency, Green is the new standard classification of the best Class II, the company is insolvent adequate capital adequacy, business options and cost control have not done better.
The strategic joint-venture insurance company manager said that the China Insurance Regulatory Commission launched a new policy should be based on risk considerations. China's insurance industry and the various foreign countries, will not be easy Discard. However, such as the first half of this year and frequent catastrophic circumstances, significant increases in pay, a lot of runs on may also lead to a risk management company.
Central University of Finance and insurance Dean of the School Professor Hao Yansu think that the new requirements more standardized, more highlights the importance of solvency.
However, it is worth thinking is that Professor Hao At the same time, we have adopted Western standards of solvency to monitor China's insurance companies, the equivalent of a doctoral standards to require primary and secondary school students, so, or not good. Long-term perspective, these standards are not the problem, but the short-term view, a little flexibility can actually be, of course, regulatory bodies continue to knock the alarm is on.
"However, we should see that the solvency is a de facto concept. For a business, if long-term solvency certainly a lot less than the risk. If it is only produced in less than a de facto, it is easy through the business The adjustment to adjust. We play an analogy, China's insurance companies is a juvenile, although the 100 young people can not afford the burden of carrying the rice, but we can not say that he has no strength. "Professor Hao analyzed.
Solvency under bankruptcy ≠
From the China Insurance Regulatory Commission announced the news, the insurance company has paid insufficient capacity is not the first time this year. CIRC Chairman Wu Dingfu said here before that too, the end of 2007 found that 10 insurance companies paid insufficient capacity.
In 2005, the China Insurance Regulatory Commission has also proposed that domestic Chinese-funded life insurance company solvency widespread the problem of insufficient. The three major life insurance giant China Life Insurance Group, Pacific Life Insurance, Xinhua Life Insurance was insufficien solvency, including the status of Pacific Life Insurance most serious.
At that time, set off by the media after the uproar. It has been : like a business could go insolvent bank loans? »
But previously, director of the China Insurance Regulatory Commission regulations Yang Huabai in an interview has said that if an insurance company's solvency is too low, there will be the risk of bankruptcy, but in China, insurance companies will not easily collapse . Because the insurance companies assess the sustainability and stability operations is an important indicator of solvency, China's insurance regulatory department of insurance company solvency very strict supervision.
Therefore, in 2006, the China Insurance Regulatory Commission will promote a number of insurance companies through capital increase Kuogu, issued Ciji Zhai, the introduction of foreign strategic investors a variety of ways, such as capital adequacy.
2007, the Sino-British Life, the people's livelihood Life, the Dean of the insurance companies have a large scale, such as the implementation of the replenishment Kuogu. And the three major domestic insurance industry giant China Life Insurance, Ping An of China, China Taibao have landed the A-share market financing. As at the end of 2007, the insurance industry has total capital of over 200 billion yuan.
Even so, Professor Hao Yansu in the eyes, is still insufficient to fear. The entire insurance industry also equivalent to the total capital of the Industrial and Commercial Bank of China 1 / 3.
Professor Hao, "China's insurance market is a Douya Cai market, but a lot of stamina for the development of the market. And overseas markets have developed to a certain shape, very little room for expansion. If in the future have good expectations With the increase in new business, many will be followed to resolve the problem. "
July 29, 2008, the China Insurance Regulatory Commission in the second quarter of a routine press conference, Assistant Chairman of China Insurance Regulatory Commission said Li Yuan, "solvency adequacy ratio reflects the insurance company a de facto capital adequacy of insurance regulation indicators , It is similar to commercial banks capital adequacy ratio, not as some people say, lack of solvency means the company will be bankrupt. "
July 15, 2008, at a national insurance work conference on supervision, the China Insurance Regulatory Commission Chairman Wu Dingfu, the first disclosure of the 12 insurance companies in different levels of solvency less than the risk.
Two days after the July 17, the China Insurance Regulatory Commission in one breath and announced the details of the nine insurance companies replenishment, including five General Insurance Corporation and the four life insurance companies, are: all state General Insurance, Huatai Choi Insurance, the Bank of insurance, public insurance, Wing On Property Insurance, China Aviation Samsung, Pa Hsin-cheng Life, China and the United States metropolis, Haier New York Life.
Inadequate capacity to trigger payment of reasons, Wu Dingfu analysis at the meeting: "the general level of solvency industry decline, in addition to the stock market continue to lower the impact, the key reason is that some of the extensive mode of development, product structure is irrational, company profitability Is not strong or even long-term losses, mainly dependent on shareholder capital increase or maintain the solvency issue Ciji Zhai. At the same time, some companies there are shortcomings in the management structure, failure to establish effective internal risk management mechanism, operating in the short-term behavior rather conspicuous. "
At the same time, the China Insurance Regulatory Commission also said that the rapid development of a lack of short-term solvency of the company, to urge the company by limiting the scale of business, the strengthening of security, optimize the business structure, and other measures to improve the solvency, as well as through the listing, replenishment Kuogu , Issued Ciji Zhai, and other ways to raise capital, lack of solvency ease the pressure.
CIRC also announced the same period, the first half of 2008 a total of 23 insurance companies for the replenishment of its registered capital, and many of them are already conducted a capital increase last year.
Although busy with so many companies replenishment, and most of all for the generous, but in the insurance industry, solvency seems to be insufficient for the lack of fear.
Have an accounting of the State Property Insurance that the payment capacity of one of the major factors in the interests of its shareholders. They company is also in the capital increase completed this year, after the capital increase greatly enhance the company's ability to pay.
Pacific Antai Insurance Company, a manager believes that this industry is a common phenomenon. The number ratio is adequate, safe, countries vary.
An internal safety groups believe that the lack of solvency of the company should be more because of excessive short-term business growth.
He Zhong Life stakeholders also said that the solvency adequacy ratio equal to the insurance company's actual capital and minimum capital ratio, the minimum solvency of the insurance companies in the commitment on the basis of existing liabilities, further support the future development and the establishment of early warning indicators. Solvency is a dynamic indicator, the insurance companies in the course of business, even if a lack of solvency, but also to increase capital, rational use of insurance funds, operational structure adjustment and control costs, and other measures to resolve this problem.
China Insurance Regulatory Commission to urge self-administered home insurance rate
If lack of fear, why the China Insurance Regulatory Commission launched a new requirement » What is the ability to pay »
Ability to pay is to protect the interests of the insuring public warning line is that insurance institutions to carry out the responsibility to pay compensation or ability, but also insurance agencies and financial strength of its own commitment by the risk of liability for comparison.
July 14, 2008, the China Insurance Regulatory Commission promulgated the "Regulations on Management of insurance company solvency," and on September 1, 2008 shall come into operation on the same day the abolition of the "amount of insurance company solvency and monitoring indicators management regulations."
According to the latest release of the China Insurance Regulatory Commission, according to solvency status, lack of insurance companies are divided into categories, sufficient Class I and Class II adequate three companies, its solvency adequacy ratio was below 100%, 100% to 150%, higher than the 150 per cent.
Green, spokesman for the Group of Health in Shengrui "Securities Daily" in an interview explained that the CIRC is the timely introduction of new regulations and more scientific and rational, more stringent regulation also is conducive to the health of the whole industry, sound Direction. In solvency, Green is the new standard classification of the best Class II, the company is insolvent adequate capital adequacy, business options and cost control have not done better.
The strategic joint-venture insurance company manager said that the China Insurance Regulatory Commission launched a new policy should be based on risk considerations. China's insurance industry and the various foreign countries, will not be easy Discard. However, such as the first half of this year and frequent catastrophic circumstances, significant increases in pay, a lot of runs on may also lead to a risk management company.
Central University of Finance and insurance Dean of the School Professor Hao Yansu think that the new requirements more standardized, more highlights the importance of solvency.
However, it is worth thinking is that Professor Hao At the same time, we have adopted Western standards of solvency to monitor China's insurance companies, the equivalent of a doctoral standards to require primary and secondary school students, so, or not good. Long-term perspective, these standards are not the problem, but the short-term view, a little flexibility can actually be, of course, regulatory bodies continue to knock the alarm is on.
"However, we should see that the solvency is a de facto concept. For a business, if long-term solvency certainly a lot less than the risk. If it is only produced in less than a de facto, it is easy through the business The adjustment to adjust. We play an analogy, China's insurance companies is a juvenile, although the 100 young people can not afford the burden of carrying the rice, but we can not say that he has no strength. "Professor Hao analyzed.
Solvency under bankruptcy ≠
From the China Insurance Regulatory Commission announced the news, the insurance company has paid insufficient capacity is not the first time this year. CIRC Chairman Wu Dingfu said here before that too, the end of 2007 found that 10 insurance companies paid insufficient capacity.
In 2005, the China Insurance Regulatory Commission has also proposed that domestic Chinese-funded life insurance company solvency widespread the problem of insufficient. The three major life insurance giant China Life Insurance Group, Pacific Life Insurance, Xinhua Life Insurance was insufficien solvency, including the status of Pacific Life Insurance most serious.
At that time, set off by the media after the uproar. It has been : like a business could go insolvent bank loans? »
But previously, director of the China Insurance Regulatory Commission regulations Yang Huabai in an interview has said that if an insurance company's solvency is too low, there will be the risk of bankruptcy, but in China, insurance companies will not easily collapse . Because the insurance companies assess the sustainability and stability operations is an important indicator of solvency, China's insurance regulatory department of insurance company solvency very strict supervision.
Therefore, in 2006, the China Insurance Regulatory Commission will promote a number of insurance companies through capital increase Kuogu, issued Ciji Zhai, the introduction of foreign strategic investors a variety of ways, such as capital adequacy.
2007, the Sino-British Life, the people's livelihood Life, the Dean of the insurance companies have a large scale, such as the implementation of the replenishment Kuogu. And the three major domestic insurance industry giant China Life Insurance, Ping An of China, China Taibao have landed the A-share market financing. As at the end of 2007, the insurance industry has total capital of over 200 billion yuan.
Even so, Professor Hao Yansu in the eyes, is still insufficient to fear. The entire insurance industry also equivalent to the total capital of the Industrial and Commercial Bank of China 1 / 3.
Professor Hao, "China's insurance market is a Douya Cai market, but a lot of stamina for the development of the market. And overseas markets have developed to a certain shape, very little room for expansion. If in the future have good expectations With the increase in new business, many will be followed to resolve the problem. "
July 29, 2008, the China Insurance Regulatory Commission in the second quarter of a routine press conference, Assistant Chairman of China Insurance Regulatory Commission said Li Yuan, "solvency adequacy ratio reflects the insurance company a de facto capital adequacy of insurance regulation indicators , It is similar to commercial banks capital adequacy ratio, not as some people say, lack of solvency means the company will be bankrupt. "
Swiss Re Southern Han Chinese Bianzhen stay open
A re-insurance companies from Switzerland (Swiss Re, the "Swiss again") in China triggered by Switzerland to the Asia-Pacific region and personnel adjustment is spreading.
In late July, then Rui of China announced its appointment of a new management team, which involves the re-Rui, general manager of Beijing Branch, property and accident insurance business people in charge of the Chinese people.
July 31, an informed source, re-Rui, general manager of China Southern Han (Franz Hahn) has begun looking for successors.
According to Swiss again on July 23 issued a notice, from Switzerland to Malaysia branch of Lu (Qin Lu) was appointed to Rui, general manager of Beijing Branch, and property and accident insurance business for China, who is also a dual responsibility Lu will be responsible for the customer service project development and implementation, and management branch.
1996, Lu graduated from training to join the Swiss Health and the identity of another, since 2003, responsible for the Swiss branch of Malaysia to work.
His predecessor, Switzerland Beijing Branch to the original property and accident insurance business for Linrui Jiang was on July 22 formally ended its served in the Swiss again, to an unknown destination.
The source told reporters, Switzerland to former general manager of Beijing Branch has held high Cibie old owner, plans and rushed to Shanghai, took the British Lloyd's reinsurance (China) company.
Lu arrived in Beijing together with the package is also available from Singapore's trying to (Reto Brosi), was appointed as its China head of accident insurance. In Singapore, the package of property and accident insurance business for Southeast Asia, in Asia and Europe with more than 14 years of accident insurance underwriting and management experience.
Because of personal reasons, Han South since the beginning of this year has not been able to full-time in the company office, during which his work has been from Switzerland to the Asia-Pacific region vice president to replace Clarence Yeung, and is currently in consultation with the head office to find a new successor.
Switzerland to a major redeployment of internal, far from the surface of calm.
According to informed sources, 2006 Rui once again the integration of the Asia-Pacific region has recently become a major adjustment hint.
Integration of the former, Switzerland administered to the Asia-Pacific region Greater China (including mainland China, Hong Kong, China and the China Taiwan three business), Japan and South Korea, Singapore and the region of four regional areas of Australia.
2006 Swiss again for the new arrival, the original Greater China narrowed to retain only the mainland of China business, while Hong Kong, China and the China Taiwan business into the Singapore region, while South Korea into the business. As a result of changes, Switzerland and the Swiss again overnight to Greater China Beijing Branch has designated, equivalent to about.
At the same time, the three Southern Han Hu Jiang, is the head of Hong Kong, China, China Taiwan business leaders and Beijing for business, together with the Han Chinese into the area, or a Beijing branch. Lin Ruijiang is held high and the "three Hu Jiang" in the two generals, including Lin Ruijiang after Beijing branch in addition to property and accident insurance business, but also for the Hong Kong branch responsible for the Swiss again, but after adjustment, it does not Then responsible for the Hong Kong branch.
And the big personnel changes in the final fuse, is also likely this year a number of natural disasters. From the beginning of the snowstorm to the south of Sichuan earthquake, Switzerland to take a lot of large projects, "Chief reinsurance" duties.
According to the China Insurance Regulatory Commission statistics, this has happened several times of natural disasters estimated total compensation of 100 billion. Chief reinsurers naturally very important to bear one of the claim liabilities.
At the same time, continued instability in global financial markets, and from November 2007 structural credit default swaps the additional loss of 819 million Swiss francs, to make Swiss headquarters also facing considerable losses.
According to Swiss again in May this year, released by the first quarter of , the 2008 first quarter net income of the Swiss to 624 million Swiss francs, compared with the same period last year reduced 53 percent.
By the Chinese company personnel changes, Rui again the personnel structure of the Asia-Pacific region have also made corresponding adjustments.
Worked for the Beijing Branch of the YAN Wei-hong (Eric Gan) to succeed Lu as branch manager of Malaysia, and Malaysia and Indochina, property and accident insurance operations director.
In Singapore, Mr Xue Ling (Sharon Ooi) will take over from trying to pack as property and accident insurance market in Southeast Asia, business head. Served as Hong Kong-based Swiss Re Asia, health insurance and life insurance coverage for the Littauer music (Paul Turner), the package seeks to replace the chief officer of Singapore, Southeast Asia and continue to serve as life insurance and health insurance business Responsible person.
In late July, then Rui of China announced its appointment of a new management team, which involves the re-Rui, general manager of Beijing Branch, property and accident insurance business people in charge of the Chinese people.
July 31, an informed source, re-Rui, general manager of China Southern Han (Franz Hahn) has begun looking for successors.
According to Swiss again on July 23 issued a notice, from Switzerland to Malaysia branch of Lu (Qin Lu) was appointed to Rui, general manager of Beijing Branch, and property and accident insurance business for China, who is also a dual responsibility Lu will be responsible for the customer service project development and implementation, and management branch.
1996, Lu graduated from training to join the Swiss Health and the identity of another, since 2003, responsible for the Swiss branch of Malaysia to work.
His predecessor, Switzerland Beijing Branch to the original property and accident insurance business for Linrui Jiang was on July 22 formally ended its served in the Swiss again, to an unknown destination.
The source told reporters, Switzerland to former general manager of Beijing Branch has held high Cibie old owner, plans and rushed to Shanghai, took the British Lloyd's reinsurance (China) company.
Lu arrived in Beijing together with the package is also available from Singapore's trying to (Reto Brosi), was appointed as its China head of accident insurance. In Singapore, the package of property and accident insurance business for Southeast Asia, in Asia and Europe with more than 14 years of accident insurance underwriting and management experience.
Because of personal reasons, Han South since the beginning of this year has not been able to full-time in the company office, during which his work has been from Switzerland to the Asia-Pacific region vice president to replace Clarence Yeung, and is currently in consultation with the head office to find a new successor.
Switzerland to a major redeployment of internal, far from the surface of calm.
According to informed sources, 2006 Rui once again the integration of the Asia-Pacific region has recently become a major adjustment hint.
Integration of the former, Switzerland administered to the Asia-Pacific region Greater China (including mainland China, Hong Kong, China and the China Taiwan three business), Japan and South Korea, Singapore and the region of four regional areas of Australia.
2006 Swiss again for the new arrival, the original Greater China narrowed to retain only the mainland of China business, while Hong Kong, China and the China Taiwan business into the Singapore region, while South Korea into the business. As a result of changes, Switzerland and the Swiss again overnight to Greater China Beijing Branch has designated, equivalent to about.
At the same time, the three Southern Han Hu Jiang, is the head of Hong Kong, China, China Taiwan business leaders and Beijing for business, together with the Han Chinese into the area, or a Beijing branch. Lin Ruijiang is held high and the "three Hu Jiang" in the two generals, including Lin Ruijiang after Beijing branch in addition to property and accident insurance business, but also for the Hong Kong branch responsible for the Swiss again, but after adjustment, it does not Then responsible for the Hong Kong branch.
And the big personnel changes in the final fuse, is also likely this year a number of natural disasters. From the beginning of the snowstorm to the south of Sichuan earthquake, Switzerland to take a lot of large projects, "Chief reinsurance" duties.
According to the China Insurance Regulatory Commission statistics, this has happened several times of natural disasters estimated total compensation of 100 billion. Chief reinsurers naturally very important to bear one of the claim liabilities.
At the same time, continued instability in global financial markets, and from November 2007 structural credit default swaps the additional loss of 819 million Swiss francs, to make Swiss headquarters also facing considerable losses.
According to Swiss again in May this year, released by the first quarter of , the 2008 first quarter net income of the Swiss to 624 million Swiss francs, compared with the same period last year reduced 53 percent.
By the Chinese company personnel changes, Rui again the personnel structure of the Asia-Pacific region have also made corresponding adjustments.
Worked for the Beijing Branch of the YAN Wei-hong (Eric Gan) to succeed Lu as branch manager of Malaysia, and Malaysia and Indochina, property and accident insurance operations director.
In Singapore, Mr Xue Ling (Sharon Ooi) will take over from trying to pack as property and accident insurance market in Southeast Asia, business head. Served as Hong Kong-based Swiss Re Asia, health insurance and life insurance coverage for the Littauer music (Paul Turner), the package seeks to replace the chief officer of Singapore, Southeast Asia and continue to serve as life insurance and health insurance business Responsible person.
High temperature and frequent self-ignition accident insurance experts Zhizhao an additional risk insurance
Recently, our province sustained high temperatures, people are not only physical exhaustion, feelings of irritability, and even cars have begun to "too much." Morning, reporters from some insurance companies in our province the department claims that the recent payment of vehicle insurance rates have been earlier than rose. Life insurance claims because there are lagging behind, and relevant data is not statistics, it is estimated by the high temperatures caused the accident, disease, "dangerous situation" will also usher in the autumn of small claims peak. Insurance experts also on personal vehicles and how to hedge at a high temperature, is related to the proposed settlement.
Spontaneous an additional risk insurance
Morning, this reporter interviewed several of the Department of General Insurance Company claims to have said that the recent apparent earlier than busy. A Department of General Insurance Corporation of Zangjing Li vehicle insurance claims, usually Huanji at a higher growth rate of insurance claims, but continued high temperatures in recent days, which triggered the vehicle Chuxian payments have increased significantly, the estimated increase of around 10 per cent.
"Some days because of heat, is also part of human reason." Insurance expert analysis corrected the people think of a misunderstanding - a hot Chuxian that day, the car that is more spontaneous, in fact, because of feelings of irritability, physical exhaustion Caused by car plowed, traffic accidents and other "collision" of the case or the payment of the "Big Head." The typhoon brought heavy rain earlier, but also make our province and other places in Yangzhou flooded vehicles, an increase in pay.
Insurance experts remind us, instead of looking for insurance after the payment, as the prior prevention. More to adjust the attitude of the summer, no haste is not impatient, avoid fatigue while driving. And to prevent "disaster" caused by spontaneous combustion vehicle, the typhoon attack and torrential rains inundated, and other dangerous situations, and not only insured "Che Sunxian" one. Many accidents can be insured additional insurance claims. Che Sunxian owners will have to fire in the payment equated with the spontaneous combustion risk, not insured risk spontaneous combustion, but in fact Che Sunxian of fire in the terms of payment refers to the external fire source, except for a spontaneous combustion of responsibility. So summer can be targeted to the purchase of vehicles spontaneous insurance, insurance broken glass alone, prices in more than a few hundred yuan.
Anti-heat stroke can be insured accident insurance
A hot weather, people wish were hiding in air-conditioned room, but there are some specific types of work such as express delivery, salesmen had to have trouble in hot weather. They and some older, frail people usually are easy to heat stroke Chuxian. The insured can "heat stroke and dangerous" » Reporter morning from life insurance companies understand that special "heat stroke and dangerous" is not, but if serious symptoms of heat stroke, the need for hospital treatment, hospital medical insurance can solve the problem. In addition, heat stroke caused by accidents such as falls led to the injury, if the insured accident insurance, compensation in accordance with the situation.
Life claims to the Department of the Nanjing also introduced, the summer trips if the insured "travel accident insurance", the acute heat stroke can also provide protection, the resulting medical costs are the claims. With related claims, as long as proof of identity, enrollment and attendance certificate on the certificate.
Spontaneous an additional risk insurance
Morning, this reporter interviewed several of the Department of General Insurance Company claims to have said that the recent apparent earlier than busy. A Department of General Insurance Corporation of Zangjing Li vehicle insurance claims, usually Huanji at a higher growth rate of insurance claims, but continued high temperatures in recent days, which triggered the vehicle Chuxian payments have increased significantly, the estimated increase of around 10 per cent.
"Some days because of heat, is also part of human reason." Insurance expert analysis corrected the people think of a misunderstanding - a hot Chuxian that day, the car that is more spontaneous, in fact, because of feelings of irritability, physical exhaustion Caused by car plowed, traffic accidents and other "collision" of the case or the payment of the "Big Head." The typhoon brought heavy rain earlier, but also make our province and other places in Yangzhou flooded vehicles, an increase in pay.
Insurance experts remind us, instead of looking for insurance after the payment, as the prior prevention. More to adjust the attitude of the summer, no haste is not impatient, avoid fatigue while driving. And to prevent "disaster" caused by spontaneous combustion vehicle, the typhoon attack and torrential rains inundated, and other dangerous situations, and not only insured "Che Sunxian" one. Many accidents can be insured additional insurance claims. Che Sunxian owners will have to fire in the payment equated with the spontaneous combustion risk, not insured risk spontaneous combustion, but in fact Che Sunxian of fire in the terms of payment refers to the external fire source, except for a spontaneous combustion of responsibility. So summer can be targeted to the purchase of vehicles spontaneous insurance, insurance broken glass alone, prices in more than a few hundred yuan.
Anti-heat stroke can be insured accident insurance
A hot weather, people wish were hiding in air-conditioned room, but there are some specific types of work such as express delivery, salesmen had to have trouble in hot weather. They and some older, frail people usually are easy to heat stroke Chuxian. The insured can "heat stroke and dangerous" » Reporter morning from life insurance companies understand that special "heat stroke and dangerous" is not, but if serious symptoms of heat stroke, the need for hospital treatment, hospital medical insurance can solve the problem. In addition, heat stroke caused by accidents such as falls led to the injury, if the insured accident insurance, compensation in accordance with the situation.
Life claims to the Department of the Nanjing also introduced, the summer trips if the insured "travel accident insurance", the acute heat stroke can also provide protection, the resulting medical costs are the claims. With related claims, as long as proof of identity, enrollment and attendance certificate on the certificate.
Automobile total loss how to pay the actual value of vehicle insurance compensation
"Insurance Week" on the car since the introduction of the claims of the rescue, received many letters from readers advice, would like to acquire more knowledge on the rescue vehicle and settlement standards. This week have readers call the "insurance Weekly", asked car total loss for how to determine the claims, "Insurance magazine" will provide a detailed answer, readers can hope to learn more knowledge of the automobile claims.
Letters from readers: In mid-August, my car experienced spontaneous combustion, burned only a shell, is essentially a scrap. When I went to the insurance companies for claims, they only pay 80,000 yuan to me, I signed the insurance contracts and insurance companies, car purchase price of 120,000 yuan for the basic calculation of the amount of premiums, in accordance with the terms of the contract , Insurance companies should pay me 120,000 yuan, the insurance companies that now I have to arbitrarily reduce the amount of 40,000 yuan claims ah »
Mr Chu
Experts answer PK real value
Vehicle Insurance experts replies that if the insured motor vehicle owners when as the basic sum insured, when the total loss of vehicle insurance, in accordance with the provisions of insurance, insurance of vehicles to the actual value of compensation.
Mr Chu insurance companies that contract should be signed by the basic sum insured claims to be, this view is wrong. Because the vehicle used in the process of depreciation will have inevitable. If the insurance companies in accordance with the original basic coverage for claims, claims resulting amount is higher than the actual amount of loss, with the insurance law, "compensatory principle" - contrary to claims that may become a profitable, will trigger a lot of moral hazard.
Therefore, insurance companies paid to Mr. Zhu 80,000 yuan, according to Mr Chu car at the time of the actual value of the proceeds. As for the actual value of how to determine, in the policy have a clear vehicle depreciation rate of conversion to obtain car Chuxian, the real value.
He also suggested that, if less than the amount of insurance, vehicle insurance total loss, the same vehicle insurance will be the real value of compensation, but to limit the amount of insurance. When the vehicle part of the insurance losses, according to insurance rates with a ratio of assume liability ratio.
Everyone said how motor vehicle depreciation operator
Mr Tse (tourism, Jialing 4): insurance contracts clearly written, if the insurance car accident suffered total loss, insurance companies will be in accordance with the actual value of car claims. I would like to see Mr. Zhu may not have the terms of the contract, but only remember the basic insurance coverage is the vehicle purchase price, and therefore will be "unreasonable demands" to his insurance company paid 120,000 yuan.
Therefore, I feel that the insured in their own claims, the first to see the terms of the contract, should not be alone with personal subjective views on the "blackmail" to the insurance company claims.
The insurance company also will be from the official text of the insurance provisions to create brochures, booklets will facilitate the majority of owners on the car, Xianlaiwushi read out over time so that owners can be more comprehensive understanding of vehicle insurance provisions, thus avoiding Their claims with insurance companies to unnecessary disputes.
Mr. Wang (the industry, Jialing three years): I think the car's depreciation rate to point view, a contract of insurance companies, I have indicated in the contract on the car a bit disgusted with the depreciation rate, at least, they should discuss this and I together Both sides agree on a satisfactory rate of depreciation.
Insurance companies that unilaterally set the depreciation rate, whether the company on its own, formulate, or calculated by reference to what data, I think these are somewhat "arbitrary." Even if the insurance company is the clear authority of the depreciation rate, they should be when we signed the insurance contracts tell me how to come to the depreciation rate, the depreciation rate to the calculation of "transparency."
Insurance companies should also be some of the details of the full-service Zuoxi do not in the old contract, "Mantianguohai, hoodwinked clearance", and in the claims only when we "Huangrandawu," such claims ago that when the interpretation of the claims, We feel like being fooled, on the contrary, insurance companies have a bad impression.
Miss Zhou (the advertising industry, Jialing 2): Although I am not a car accident caused by the insurance total loss, but I always feel that insurance companies should not be a unilateral decision vehicle depreciation rates, at least the contract was signed between the two sides, insurance companies And the co-owners have the right of the car, the depreciation rate for evaluation. For example, I do care very vehicles a year use down, like cars or bought at the same brand-new, the depreciation rate, there are insurance contracts written so high.
And I think insurance companies should be based on the use of car maintenance, car once a year to assess the depreciation rate, to personalized service, and some owners not love cars, the depreciation rate on the high points, some car owners are love, the depreciation rate On the low, if the depreciation rate on the "speak with one voice" and not allow those who do not care for the people Zhanlebianyi car, and let me in this car suffered "Bubaizhiyuan"? »
In calculating the amount of claims, insurance companies and vehicle owners should also carry out the necessary consultations, the two sides together to reach a satisfactory settlement to their respective places, the final settlement. Otherwise, some owners will find the claims of insurance companies presented their claims with the proceeds of a big gap between the psychological level, leading to unnecessary disputes the claim amount.
Miss Li (PR industry, the Jialing 4): I mentioned a hypothetical ah, if the vehicle spontaneous combustion, also retain some inside such as notebook computers and other valuables, spontaneous combustion and found the wreckage of notebook computers, notebook identified as Car together into ashes. When I insured loss responsibility for the car insurance, the availability of claims » If the claims can be, is based on purchase price or the actual value of claims it » If the vehicle carrying the puppy as kittens, and other small pets, but also, unfortunately, was burned to death, according to the insurance company can also carry out car insurance claims responsibility for the loss? »
Mr Wong (the industry, Jialing six months): I admit that the cars in use will keep the depreciation and devaluation, if the insurance companies every year by the purchase price of a car insurance premiums, we are not to pay a premium? » And insurance companies in damage to the car when we all are in accordance with the actual purchase price less depreciation charges after the remaining claims to the value of the vehicle. Among these there will be irrational elements »
I think the insurance companies asked us to continued payment of premiums, according to our car on the actual value of the insured amount calculated as the basic premium. We have the Caliangyanjing avoid a Buliu Shen, according as the standard premium, this does not mean that a sum of money sent to the insurance companies? »
Notes of an interview with the terms of concern exhaustive
In this case, the insurance companies in accordance with the provisions of insurance, a car given to the actual value of claims is understandable. But in the interview process, I found that many owners simply do not know how to calculate the loss vehicle depreciation, of course, they do not know how insurance companies are in accordance with the depreciation rate to the actual value of a car "discount."
In auto insurance contracts, has been clearly marked vehicle depreciation rates, some owners may have "blind" and wishful thinking to ask the insurance companies according to the basic requirements of the sum insured claims.
In fact, they are not deliberately want to "old cars for new cars total loss," but balanced, unilateral attention to the terms of which a motor, while ignoring all the provisions of the motor, is "to a tree, give up the entire forest . "
Vehicle insurance contract itself is systemic. Is not merely the responsibility of the motor insurance claims from the calculation, but the motor insurance also interrelated. For example, stones hit the vehicle, if only a broken car glass, in accordance with broken glass separate insurance for claims, if the body and windshield of common damaged, according to Che Sunxian have to carry out adjustments.
Again, the total loss of the car after the settlement costs, if the amount of insurance , the total loss of vehicle insurance, vehicle insurance by the real value of compensation, insurance losses of the vehicles, according to some losses full compensation.
Therefore, the insured must not only concerned about the provisions of the local auto insurance terms, it should be a comprehensive understanding of vehicle insurance provisions, there will not slip through to their claims, create an obstacle. This is more effectively protect their own rights and interests of the contract, is to protect their own interests were not by the violations.
Of course, insurance companies have the responsibility of the owner when the insured vehicle to remind them to the attention of the depreciation rate, after all, the real value of motor vehicles is calculated claims of one of the important parameters, and whether appropriate and in accordance with the owners own needs, in a more authoritative depreciation Rates range in consultation with the owners of the depreciation rate of a happy, full-service Zuoxi do, the owners feel that the insurance companies to avoid unilateral "arbitrary" the depreciation rate, it is a bit overbearing.
Tips second-hand motor vehicle insurance "coverage" perfunctory
For the second-hand car insurance, you'd have to pay attention to, not according to the model of the grid insured, but in reality based on your car insurance premium prices.
All encountered the vehicle insured losses, if the amount is higher than the actual value of the insurance, automobile insurance companies at the time of the actual value of the compensation, if the insured will simply pay their own premiums.
In other words, if the owner of a used car with the as the basic sum insured for the insured, not only to pay the corresponding insurance premiums, and insurance in case of accidents caused by vehicle total loss, lack of access to and the amount equivalent The payment.
This inadvertently spend more money wronged the case, please majority of'd like to buy second-hand car owners to stay on a Xinyan.
Letters from readers: In mid-August, my car experienced spontaneous combustion, burned only a shell, is essentially a scrap. When I went to the insurance companies for claims, they only pay 80,000 yuan to me, I signed the insurance contracts and insurance companies, car purchase price of 120,000 yuan for the basic calculation of the amount of premiums, in accordance with the terms of the contract , Insurance companies should pay me 120,000 yuan, the insurance companies that now I have to arbitrarily reduce the amount of 40,000 yuan claims ah »
Mr Chu
Experts answer PK real value
Vehicle Insurance experts replies that if the insured motor vehicle owners when as the basic sum insured, when the total loss of vehicle insurance, in accordance with the provisions of insurance, insurance of vehicles to the actual value of compensation.
Mr Chu insurance companies that contract should be signed by the basic sum insured claims to be, this view is wrong. Because the vehicle used in the process of depreciation will have inevitable. If the insurance companies in accordance with the original basic coverage for claims, claims resulting amount is higher than the actual amount of loss, with the insurance law, "compensatory principle" - contrary to claims that may become a profitable, will trigger a lot of moral hazard.
Therefore, insurance companies paid to Mr. Zhu 80,000 yuan, according to Mr Chu car at the time of the actual value of the proceeds. As for the actual value of how to determine, in the policy have a clear vehicle depreciation rate of conversion to obtain car Chuxian, the real value.
He also suggested that, if less than the amount of insurance, vehicle insurance total loss, the same vehicle insurance will be the real value of compensation, but to limit the amount of insurance. When the vehicle part of the insurance losses, according to insurance rates with a ratio of assume liability ratio.
Everyone said how motor vehicle depreciation operator
Mr Tse (tourism, Jialing 4): insurance contracts clearly written, if the insurance car accident suffered total loss, insurance companies will be in accordance with the actual value of car claims. I would like to see Mr. Zhu may not have the terms of the contract, but only remember the basic insurance coverage is the vehicle purchase price, and therefore will be "unreasonable demands" to his insurance company paid 120,000 yuan.
Therefore, I feel that the insured in their own claims, the first to see the terms of the contract, should not be alone with personal subjective views on the "blackmail" to the insurance company claims.
The insurance company also will be from the official text of the insurance provisions to create brochures, booklets will facilitate the majority of owners on the car, Xianlaiwushi read out over time so that owners can be more comprehensive understanding of vehicle insurance provisions, thus avoiding Their claims with insurance companies to unnecessary disputes.
Mr. Wang (the industry, Jialing three years): I think the car's depreciation rate to point view, a contract of insurance companies, I have indicated in the contract on the car a bit disgusted with the depreciation rate, at least, they should discuss this and I together Both sides agree on a satisfactory rate of depreciation.
Insurance companies that unilaterally set the depreciation rate, whether the company on its own, formulate, or calculated by reference to what data, I think these are somewhat "arbitrary." Even if the insurance company is the clear authority of the depreciation rate, they should be when we signed the insurance contracts tell me how to come to the depreciation rate, the depreciation rate to the calculation of "transparency."
Insurance companies should also be some of the details of the full-service Zuoxi do not in the old contract, "Mantianguohai, hoodwinked clearance", and in the claims only when we "Huangrandawu," such claims ago that when the interpretation of the claims, We feel like being fooled, on the contrary, insurance companies have a bad impression.
Miss Zhou (the advertising industry, Jialing 2): Although I am not a car accident caused by the insurance total loss, but I always feel that insurance companies should not be a unilateral decision vehicle depreciation rates, at least the contract was signed between the two sides, insurance companies And the co-owners have the right of the car, the depreciation rate for evaluation. For example, I do care very vehicles a year use down, like cars or bought at the same brand-new, the depreciation rate, there are insurance contracts written so high.
And I think insurance companies should be based on the use of car maintenance, car once a year to assess the depreciation rate, to personalized service, and some owners not love cars, the depreciation rate on the high points, some car owners are love, the depreciation rate On the low, if the depreciation rate on the "speak with one voice" and not allow those who do not care for the people Zhanlebianyi car, and let me in this car suffered "Bubaizhiyuan"? »
In calculating the amount of claims, insurance companies and vehicle owners should also carry out the necessary consultations, the two sides together to reach a satisfactory settlement to their respective places, the final settlement. Otherwise, some owners will find the claims of insurance companies presented their claims with the proceeds of a big gap between the psychological level, leading to unnecessary disputes the claim amount.
Miss Li (PR industry, the Jialing 4): I mentioned a hypothetical ah, if the vehicle spontaneous combustion, also retain some inside such as notebook computers and other valuables, spontaneous combustion and found the wreckage of notebook computers, notebook identified as Car together into ashes. When I insured loss responsibility for the car insurance, the availability of claims » If the claims can be, is based on purchase price or the actual value of claims it » If the vehicle carrying the puppy as kittens, and other small pets, but also, unfortunately, was burned to death, according to the insurance company can also carry out car insurance claims responsibility for the loss? »
Mr Wong (the industry, Jialing six months): I admit that the cars in use will keep the depreciation and devaluation, if the insurance companies every year by the purchase price of a car insurance premiums, we are not to pay a premium? » And insurance companies in damage to the car when we all are in accordance with the actual purchase price less depreciation charges after the remaining claims to the value of the vehicle. Among these there will be irrational elements »
I think the insurance companies asked us to continued payment of premiums, according to our car on the actual value of the insured amount calculated as the basic premium. We have the Caliangyanjing avoid a Buliu Shen, according as the standard premium, this does not mean that a sum of money sent to the insurance companies? »
Notes of an interview with the terms of concern exhaustive
In this case, the insurance companies in accordance with the provisions of insurance, a car given to the actual value of claims is understandable. But in the interview process, I found that many owners simply do not know how to calculate the loss vehicle depreciation, of course, they do not know how insurance companies are in accordance with the depreciation rate to the actual value of a car "discount."
In auto insurance contracts, has been clearly marked vehicle depreciation rates, some owners may have "blind" and wishful thinking to ask the insurance companies according to the basic requirements of the sum insured claims.
In fact, they are not deliberately want to "old cars for new cars total loss," but balanced, unilateral attention to the terms of which a motor, while ignoring all the provisions of the motor, is "to a tree, give up the entire forest . "
Vehicle insurance contract itself is systemic. Is not merely the responsibility of the motor insurance claims from the calculation, but the motor insurance also interrelated. For example, stones hit the vehicle, if only a broken car glass, in accordance with broken glass separate insurance for claims, if the body and windshield of common damaged, according to Che Sunxian have to carry out adjustments.
Again, the total loss of the car after the settlement costs, if the amount of insurance , the total loss of vehicle insurance, vehicle insurance by the real value of compensation, insurance losses of the vehicles, according to some losses full compensation.
Therefore, the insured must not only concerned about the provisions of the local auto insurance terms, it should be a comprehensive understanding of vehicle insurance provisions, there will not slip through to their claims, create an obstacle. This is more effectively protect their own rights and interests of the contract, is to protect their own interests were not by the violations.
Of course, insurance companies have the responsibility of the owner when the insured vehicle to remind them to the attention of the depreciation rate, after all, the real value of motor vehicles is calculated claims of one of the important parameters, and whether appropriate and in accordance with the owners own needs, in a more authoritative depreciation Rates range in consultation with the owners of the depreciation rate of a happy, full-service Zuoxi do, the owners feel that the insurance companies to avoid unilateral "arbitrary" the depreciation rate, it is a bit overbearing.
Tips second-hand motor vehicle insurance "coverage" perfunctory
For the second-hand car insurance, you'd have to pay attention to, not according to the model of the grid insured, but in reality based on your car insurance premium prices.
All encountered the vehicle insured losses, if the amount is higher than the actual value of the insurance, automobile insurance companies at the time of the actual value of the compensation, if the insured will simply pay their own premiums.
In other words, if the owner of a used car with the as the basic sum insured for the insured, not only to pay the corresponding insurance premiums, and insurance in case of accidents caused by vehicle total loss, lack of access to and the amount equivalent The payment.
This inadvertently spend more money wronged the case, please majority of'd like to buy second-hand car owners to stay on a Xinyan.
How to deal with commercial vehicle insurance, "scumware"
Commercial vehicle insurance but also "changed face." Recently, the China Insurance Regulatory Commission announced a new version of 07 commercial vehicle insurance (A, B, C), the upgrading of the original commercial vehicle insurance. Dao Qiangxian become the focus of attention of the new motor, as it became the main danger. At the same time, A, B, vehicle insurance and also provides that "the driver drinking, smoking or injecting drugs, after the use of narcotic drugs were insured vehicle" exemption clause.
TAC-risk insurance after the implementation of the original commercial vehicle insurance have been substantial changes, they are now once again modified vehicle insurance provisions, so that people can not help but doubt the new motor vehicle owners
Premiums paid by the impact, claims the rules will change »
Diuju claims do not drink much attention
It is learnt that the 06 sections of commercial vehicle insurance in the version, A, will Daoqiang Xian as additional insurance, and B, C of the two commercial vehicle insurance can be purchased separately Daoqiang Xian. However, 07 commercial vehicle insurance will Dao Qiangxian unified set risk-based. He explained that the auto insurance experts, mainly in comparison to circumvent the owner of three commercial vehicle insurance provisions triggered by misunderstandings, some owners found the same Daoqiang Xian, in different commercial vehicle insurance, in a different position, this heart will Mihu Daoqiang Xian is not important-while a small number of owners thought that the Dao Qiangxian included in the main insurance, the insurance companies to promote sales as a means of Daoqiang Xian. Dao Qiangxian unified now transferred the main risk, as long as the owners of on-demand to buy on line, do not need to worry.
At the same time I found Daoqiang Xian increase in the exemption clause in the terms of an eye-catching, that is, if the owners of drinking, smoking or injecting drugs, narcotic drugs, used by vehicles stolen, unfortunately, the insurance company will not be adjustments. B version of the original 06 Daoqiang Xian, the main risk is not this requirement. And Mr. Chen believes that this is the original commercial vehicle Daoqiang Xian to add. In cross-risk prior to the implementation of drunken Diuju Dao Qiangxian not belong to the scope of claims, now 07 version of commercial vehicle insurance only cover gaps, so that claims more specific terms.
However, the terms of a just come out, the owner has . Mr. Liu, a doubt that if one day he unfortunately drunk, they stopped the car outside the home play, the next day he found a stolen car, should insurance companies have to drink to lose To the ground, not to claim? » In fact, stolen cars are usually left, the public security departments will be on file for investigation and identification of the accident, if the insurance company that is leading to drunken owners of the direct cause of stolen vehicles, insurance companies will not make adjustments, as Mr. Liu assumed this , Auto theft is not caused by drunken owners, insurance companies will be in accordance with the terms of compensation.
Renewal for "rules"
Since the implementation of cross-risk insurance, many owners argued that auto insurance premiums up, the harsh conditions for renewal, but some auto insurance companies in order to quality for tourists, usually in the renewal of concessions to new tactics, vehicle insurance Renewal of competition-level missing.
New commercial vehicle insurance renewal of the preferential terms will become more unified. For example, "no claims discount" will be divided into five times in the previous year and claims more than five times, four times a compensation award three times, new security or three times a year in compensation following a year without compensation, for two consecutive years without compensation, for Three years and more than three years without compensation, and other seven grades, the premium for the corresponding factor into 1.3,1.2,1.1,1,0.9,0.8,0.7, such as seven grades. So owners will be able to rule-based, calculate the renewal premium will increase or decrease in the number of money.
At the same time, individual car insurance companies are based on the extent of the use of different premium concessions. If the vehicle insured less than the average annual mileage of 30,000 km, owners can enjoy renewal at the 10% discount if the annual average vehicle travelling at 50,000 km, renewal premiums to increase by 10 percent to 30 percent, after all, cars on the road On the longer Chuxian the greater the probability factor if the owners last year, no traffic offence records, the premium also enjoy a 10% discount; In addition, the introduction of auto insurance companies calculate Xinjiuchengdu the terms of renewal premiums, the age longer , The excessive use of the old equipment to vehicles, with a particular special vehicle accident risk premiums are up 30% -100%. As for the standard car Xinjiuchengdu how to determine, A, and B, according to Che Sunxian premiums are divided into the age of 1 year, 1-2, 2-6, over six years and four grades, based on premiums and Rates are the same; C, Che Sunxian premiums according to the age of 1 year, 1-4, 4-6, 6-8 in eight years and more than five grades.
Additional risk regression line
06 face additional risk auto insurance business version of the terms "Hundred Flowers Zhengyan" situation, the new motor the first unified common norms of the additional insurance, for car owners to buy additional insurance. It is learnt that, A product of the additional personnel on board including the risk liability insurance, Daoqiang Xian, broken glass separate insurance, body scratches loss insurance, optional deductible special provisions, non-Mian Peishuai special provisions. B, of the additional insurance products, including broken glass separate insurance, body scratches loss insurance, basic insurance does not include special provisions Mianpei Shuai. C of the additional insurance products, including broken glass separate insurance, a separate body paint injury insurance, and set up a special vehicle loss deductible insurance terms and basic non-Mianpei special provisions. Three new additional types of motor almost identical, while the insurance claims of responsibility and exemption clauses are quite consistent.
"In fact, the reunification of the vehicle insurance provisions, readers seem more convenient more peace of mind. Ago auto insurance provisions and look forward, some owners thought that the insurance company in terms of vehicle insurance claims, some hidden difficulties. Insurance companies can now also has his innocence." Nie, a senior auto insurance experts said, "More importantly, the three new commercial vehicle insurance provisions tend to reunification, the three auto insurance premiums is also very close, then the insurance company will pay more attention to efficiency and development of vehicle insurance claims Value-added services, vehicle insurance healthy competition. "
Vehicle Insurance story
How can the impact area auto claims discount »
"I stop the car in the area when Pishui I do not know the impact, the insurance company has a 30 percent deduction of the vehicle. I Xianglaixiangqu, is no less than swallow this tone." Telephone, Zhao said angrily, "the perpetrators fled , May be the fault of insurance companies he imposed on me, I deduction of the vehicle, which is unreasonable. "
In fact, Mr. Zhao car parking spaces in the parking area, I do not know Beishui damaged, can be when he found a car accident, not long ago who damaged his car. So he made a report on the claims, but was nearly 2,000 yuan vehicle, received only 1,400 yuan. The reason given is that insurance companies can not find the owners of the accident the accident, insurance companies, withholding 30 percent of the vehicle.
"The statement by the insurance company, after the incident found that owners of crashes Yaopei lot of money, as long as one of the wandering, claims responsibility for their own escape, leaving the owners of the victims are not fully claim. Anyway, the insurance company can pay a lot less money, To encourage owners of the accident is not proof in disguise? »" Mr. Zhao still in doubt Qihu Hu said, "like the car park was damaged, the owners are innocent victims, I can not mention the incident in time to seize the owners, insurance companies do not have to look for Deducted from the ground to a third party vehicle accident, is the irregularities. Insurance companies should at least make a fair basis of objective accident claims, I think incidents like this on the full settlement. "
Claims discount because circumvent the "moral hazard"
But when the author will be relayed to the views of Mr. Zhao claims experts, he can not find that insurance companies should be in accordance with the third party claim the standard accidents, Zhao corresponding pay claims. If the owners did not escape the incident, Mr. Zhao vehicle costs should bear the insurance company owners from the accident claims, when the owners fled after the incident, Mr. Zhao's insurance companies have to bear, this vehicle. Therefore, Mr. Zhao's insurance company is "a loss", spending more than a sum of claims.
Mr. Zhao still be very angry, in his view the scene of the accident confirmed that traces of this is a two-car collision accident, he was not responsible for the accident, should receive full settlement. The reality is he can only get 70 percent of the vehicle, equally suffer. The detention of the vehicle, whether to whoever it »
But experts to answer claims that, like Mr. Zhao such incidents if a full settlement on the unconscionable. If the two-car collision, police and insurance companies will often hear both sides of the owners of the accident described the process, if only by virtue of a single insurance company owners description of the parties responsible for the accident on the judgement, unfair to lose. After all, a very small number of owners to mitigate their own parties responsible for the accident, some fictitious or deliberately fabricated the cause of the accident during the accident, more claims.
The reason that no third party insurance companies to deduct 30 percent of accident claims is the result of both incidents are under an obligation to protect owners of the scene of the accident, but an owner without escape, the police deliberately did not meet with members of the damage found responsible for the accident, The claims process are flawed, the main vehicle for the corresponding responsibility. Otherwise, such incidents in full settlement, afraid of a few owners simply let the incident owners, their full enjoyment of the process to fabricate the accident claims.
Mr. Zhao Yi Leng, Kuxiao and said: "I can clearly in the car when the impact of the berth area, I Youmei Maoni on what was purely innocent victims owners, insurance companies can not , but should be based on facts , As appropriate, give me a full settlement. "
But so far, insurance companies or Jianchijijian, Mr. Zhao is no choice but to the view that since the owners fled the accident, his insurance company to a Duotao claims, the victims can not be full owners of claims, the cheaper the incident is only the owners and their insurance Insurance companies. Is the insurance company will not be able to view this phenomenon to the innocent victims of the owners? Satisfied with the settlement programme »
TAC-risk insurance after the implementation of the original commercial vehicle insurance have been substantial changes, they are now once again modified vehicle insurance provisions, so that people can not help but doubt the new motor vehicle owners
Premiums paid by the impact, claims the rules will change »
Diuju claims do not drink much attention
It is learnt that the 06 sections of commercial vehicle insurance in the version, A, will Daoqiang Xian as additional insurance, and B, C of the two commercial vehicle insurance can be purchased separately Daoqiang Xian. However, 07 commercial vehicle insurance will Dao Qiangxian unified set risk-based. He explained that the auto insurance experts, mainly in comparison to circumvent the owner of three commercial vehicle insurance provisions triggered by misunderstandings, some owners found the same Daoqiang Xian, in different commercial vehicle insurance, in a different position, this heart will Mihu Daoqiang Xian is not important-while a small number of owners thought that the Dao Qiangxian included in the main insurance, the insurance companies to promote sales as a means of Daoqiang Xian. Dao Qiangxian unified now transferred the main risk, as long as the owners of on-demand to buy on line, do not need to worry.
At the same time I found Daoqiang Xian increase in the exemption clause in the terms of an eye-catching, that is, if the owners of drinking, smoking or injecting drugs, narcotic drugs, used by vehicles stolen, unfortunately, the insurance company will not be adjustments. B version of the original 06 Daoqiang Xian, the main risk is not this requirement. And Mr. Chen believes that this is the original commercial vehicle Daoqiang Xian to add. In cross-risk prior to the implementation of drunken Diuju Dao Qiangxian not belong to the scope of claims, now 07 version of commercial vehicle insurance only cover gaps, so that claims more specific terms.
However, the terms of a just come out, the owner has . Mr. Liu, a doubt that if one day he unfortunately drunk, they stopped the car outside the home play, the next day he found a stolen car, should insurance companies have to drink to lose To the ground, not to claim? » In fact, stolen cars are usually left, the public security departments will be on file for investigation and identification of the accident, if the insurance company that is leading to drunken owners of the direct cause of stolen vehicles, insurance companies will not make adjustments, as Mr. Liu assumed this , Auto theft is not caused by drunken owners, insurance companies will be in accordance with the terms of compensation.
Renewal for "rules"
Since the implementation of cross-risk insurance, many owners argued that auto insurance premiums up, the harsh conditions for renewal, but some auto insurance companies in order to quality for tourists, usually in the renewal of concessions to new tactics, vehicle insurance Renewal of competition-level missing.
New commercial vehicle insurance renewal of the preferential terms will become more unified. For example, "no claims discount" will be divided into five times in the previous year and claims more than five times, four times a compensation award three times, new security or three times a year in compensation following a year without compensation, for two consecutive years without compensation, for Three years and more than three years without compensation, and other seven grades, the premium for the corresponding factor into 1.3,1.2,1.1,1,0.9,0.8,0.7, such as seven grades. So owners will be able to rule-based, calculate the renewal premium will increase or decrease in the number of money.
At the same time, individual car insurance companies are based on the extent of the use of different premium concessions. If the vehicle insured less than the average annual mileage of 30,000 km, owners can enjoy renewal at the 10% discount if the annual average vehicle travelling at 50,000 km, renewal premiums to increase by 10 percent to 30 percent, after all, cars on the road On the longer Chuxian the greater the probability factor if the owners last year, no traffic offence records, the premium also enjoy a 10% discount; In addition, the introduction of auto insurance companies calculate Xinjiuchengdu the terms of renewal premiums, the age longer , The excessive use of the old equipment to vehicles, with a particular special vehicle accident risk premiums are up 30% -100%. As for the standard car Xinjiuchengdu how to determine, A, and B, according to Che Sunxian premiums are divided into the age of 1 year, 1-2, 2-6, over six years and four grades, based on premiums and Rates are the same; C, Che Sunxian premiums according to the age of 1 year, 1-4, 4-6, 6-8 in eight years and more than five grades.
Additional risk regression line
06 face additional risk auto insurance business version of the terms "Hundred Flowers Zhengyan" situation, the new motor the first unified common norms of the additional insurance, for car owners to buy additional insurance. It is learnt that, A product of the additional personnel on board including the risk liability insurance, Daoqiang Xian, broken glass separate insurance, body scratches loss insurance, optional deductible special provisions, non-Mian Peishuai special provisions. B, of the additional insurance products, including broken glass separate insurance, body scratches loss insurance, basic insurance does not include special provisions Mianpei Shuai. C of the additional insurance products, including broken glass separate insurance, a separate body paint injury insurance, and set up a special vehicle loss deductible insurance terms and basic non-Mianpei special provisions. Three new additional types of motor almost identical, while the insurance claims of responsibility and exemption clauses are quite consistent.
"In fact, the reunification of the vehicle insurance provisions, readers seem more convenient more peace of mind. Ago auto insurance provisions and look forward, some owners thought that the insurance company in terms of vehicle insurance claims, some hidden difficulties. Insurance companies can now also has his innocence." Nie, a senior auto insurance experts said, "More importantly, the three new commercial vehicle insurance provisions tend to reunification, the three auto insurance premiums is also very close, then the insurance company will pay more attention to efficiency and development of vehicle insurance claims Value-added services, vehicle insurance healthy competition. "
Vehicle Insurance story
How can the impact area auto claims discount »
"I stop the car in the area when Pishui I do not know the impact, the insurance company has a 30 percent deduction of the vehicle. I Xianglaixiangqu, is no less than swallow this tone." Telephone, Zhao said angrily, "the perpetrators fled , May be the fault of insurance companies he imposed on me, I deduction of the vehicle, which is unreasonable. "
In fact, Mr. Zhao car parking spaces in the parking area, I do not know Beishui damaged, can be when he found a car accident, not long ago who damaged his car. So he made a report on the claims, but was nearly 2,000 yuan vehicle, received only 1,400 yuan. The reason given is that insurance companies can not find the owners of the accident the accident, insurance companies, withholding 30 percent of the vehicle.
"The statement by the insurance company, after the incident found that owners of crashes Yaopei lot of money, as long as one of the wandering, claims responsibility for their own escape, leaving the owners of the victims are not fully claim. Anyway, the insurance company can pay a lot less money, To encourage owners of the accident is not proof in disguise? »" Mr. Zhao still in doubt Qihu Hu said, "like the car park was damaged, the owners are innocent victims, I can not mention the incident in time to seize the owners, insurance companies do not have to look for Deducted from the ground to a third party vehicle accident, is the irregularities. Insurance companies should at least make a fair basis of objective accident claims, I think incidents like this on the full settlement. "
Claims discount because circumvent the "moral hazard"
But when the author will be relayed to the views of Mr. Zhao claims experts, he can not find that insurance companies should be in accordance with the third party claim the standard accidents, Zhao corresponding pay claims. If the owners did not escape the incident, Mr. Zhao vehicle costs should bear the insurance company owners from the accident claims, when the owners fled after the incident, Mr. Zhao's insurance companies have to bear, this vehicle. Therefore, Mr. Zhao's insurance company is "a loss", spending more than a sum of claims.
Mr. Zhao still be very angry, in his view the scene of the accident confirmed that traces of this is a two-car collision accident, he was not responsible for the accident, should receive full settlement. The reality is he can only get 70 percent of the vehicle, equally suffer. The detention of the vehicle, whether to whoever it »
But experts to answer claims that, like Mr. Zhao such incidents if a full settlement on the unconscionable. If the two-car collision, police and insurance companies will often hear both sides of the owners of the accident described the process, if only by virtue of a single insurance company owners description of the parties responsible for the accident on the judgement, unfair to lose. After all, a very small number of owners to mitigate their own parties responsible for the accident, some fictitious or deliberately fabricated the cause of the accident during the accident, more claims.
The reason that no third party insurance companies to deduct 30 percent of accident claims is the result of both incidents are under an obligation to protect owners of the scene of the accident, but an owner without escape, the police deliberately did not meet with members of the damage found responsible for the accident, The claims process are flawed, the main vehicle for the corresponding responsibility. Otherwise, such incidents in full settlement, afraid of a few owners simply let the incident owners, their full enjoyment of the process to fabricate the accident claims.
Mr. Zhao Yi Leng, Kuxiao and said: "I can clearly in the car when the impact of the berth area, I Youmei Maoni on what was purely innocent victims owners, insurance companies can not , but should be based on facts , As appropriate, give me a full settlement. "
But so far, insurance companies or Jianchijijian, Mr. Zhao is no choice but to the view that since the owners fled the accident, his insurance company to a Duotao claims, the victims can not be full owners of claims, the cheaper the incident is only the owners and their insurance Insurance companies. Is the insurance company will not be able to view this phenomenon to the innocent victims of the owners? Satisfied with the settlement programme »
Auto insurance competition into the era of big unifying with the price of how the election vehicle insurance
Recently, the Chinese insurance industry associations develop a new version of "commercial motor vehicle insurance terms and conditions" (hereinafter referred to as "the auto insurance industry terms") has formally approved, will be April 1, 2007 from the official opening. After adjusting the terms of the new auto insurance industry is still for A, B, C three sets, the scope of protection, the rate structure, the level of rates and the rate adjustment factor basically the same.
The relative chaos of the original vehicle insurance is about to enter the competitive situation "unifying" the era of the same price, consumers how to choose auto insurance? »
New product prices Youshengyoujiang
Tend to reunification
It is understood that the new version of industry products to further expand the coverage of the insurance cover the loss of vehicles, three commercial insurance, liability insurance personnel on board, Daoqiang Xian, excluding special risk Mianpei Shuai, broken glass separate insurance, risk and loss of body scratches Contributing optional deductible insurance, and other types of eight.
According to informed sources in the industry, at present, various companies have completed the industry products, other choice. A choice of the people over, the Chinese joint, land, Cheonan, Wing On, Ampang, China and Thailand, and the sun, such as 11, the market share of approximately 75% of the Option B is safe, Huaan, Taiping, Wing-sun agriculture , And other states, the market share of about 14 percent of Option C, a Taibao, the Bank of insurance, the market share of about 11%.
Prices of the vast number of issues of common concern to the owners. China's PICC Property Insurance Beijing branch of the motor-related official said, the 2006 version in terms of commercial vehicle insurance, Chesun Xian, the three main risk insurance industry practice uniform ABC terms, basically the same price, and additional insurance from various insurance The development of their respective companies pricing; new version of the 2007 articles of the eight major types of implementation of the industry ABC reunification, the rate structure, the level of rates and the rate adjustment factor the entire industry basically the same. Overall, the new product price and the original price level basically the same, but different from the original company for each additional insurance products rates need to adjust to the industry standards, various companies in different types, different models and different customer base The rate on Youshengyouxiang, a minor adjustment.
In rates, the new version of A, vehicle insurance, fully consistent with the old. The old version, A, the three commercial risk profile of the 200,000 yuan to 1,334 yuan rate, the new version, is 1,334 yuan, Che Sunxian also so.
In the new section B, the older version of auto insurance rates lower overall. Version B of the old commercial insurance among the stalls of 200,000 yuan to 1,376 yuan rate, the new version, has become a 1,334 yuan, cheaper than the old version of vehicle insurance 42 yuan.
With the two different, C, the price of auto insurance is mixed, that is a comprehensive three-risk insurance prices, and Jusun Xian is the full price hikes. Overall, C, commercial vehicle insurance more expensive than last year, also in your other two. 200,000 yuan to the family car (new vehicles, the purchase of 20 million in the three commercial insurance, 20 million Chesun Xian) to do that as an example: If horizontal comparison, the same year, commercial vehicle insurance to buy C, 4 On a future premiums paid for 4,714 yuan last year, compared with 4,601 yuan, 113 yuan more expensive; vertical comparison, this year the purchase of A, B, commercial vehicle insurance premiums paid for 4,600 yuan, and C, auto insurance bill Premiums for 4,714 yuan, C, than the other two of your 114 yuan.
Starting next month the implementation of the new motor to unify all the insurance companies the premium change: the vehicle insured, on average less than 30,000 kilometers of a 10% premium; no traffic offence last year, a 10% premium; designated A driver 10%; female pilots receive an additional 9.5% discount. A year on 50,000 kilometers above the premium to increase 1-3 percent; belong to the old, old, new, special vehicles, premiums rose 3 percent until doubled.
Dao Qiangxian upgrading of the main risk
Floating rate is not significant
Dao Qiangxian alone can insure the new 2007 auto insurance industry is a major highlight of the terms. Consumers in determining the composition of another insurance policy holders a choice. 2006 version of Commercial Vehicle Insurance (A, B, C) in, A, Daoqiang Xian for the additional insurance, and B, C Daoqiang Xian in two commercial vehicle insurance can be purchased separately. The 2007 version of the commercial vehicle insurance, Daoqiang Xian and officers liability insurance are on board in the 2007 version of vehicle insurance in the "promotion" level, the upgrading of the main risk.
It is understood that the rates under the new terms, the value of 100,000 yuan a separate vehicle insurance premiums Dao Qiangxian standards for 650 yuan, the calculation of the rate concessions, only to spend Wu Liubai yuan to the insured.
"Because of the risk of adverse selection, Dao Qiangxian separate insurance will be higher risk, but the Daoqiang Xian as the main danger after the rate has not significantly compared with the original floating, in particular the People's Insurance Daoqiang Xian family car standard rate The average level also dropped by 2 percent. "PICC at the North said Dao Qiangxian separate insurance risk management of insurance companies have set higher requirements, will cover part of the scientific management, risk prevention services, not to increase consumer protection and insurance Fee costs.
Customization of the additional risk each company has been a major auto insurance product characteristics. It is understood that with April 1 the new basic insurance industry the introduction of people-the original characteristics of the additional risk for further optimization. In addition to a unified industry products, consumer demand for the development of several new additional insurance products, the new security features were also additional risk will be the recent appearance. April 1, the auto insurance industry in addition to the provisions of the eight major types, consumers will have more people-personalized product choice.
With the price of the times
Consumers how to choose insurance companies
In 2007 the introduction of auto insurance industry terms, making 8 of the common types of products, basically the same price. The future, insurance companies, the management level and service level of market competition will become the key and the main theme.
"Clause after reunification, the owners of the insured worry more. Types of the same name will be the same protection to ensure that the interests of policyholders." Insurance experts said, regulators and the fundamental intent is to "make unity" to resolve auto insurance price war Problems and vehicle insurance from the disorderly competition into orderly competition. It is learnt that some areas in the country Anzhe auto insurance premiums, the proportion of dark deduction of 40 per cent of the total premium.
As various insurance companies operating strategy, distribution networks, financial strength, underwriting volume, and so the difference will produce auto insurance in underwriting, claims the difference in services, while individual companies will have some personalized services. Therefore, the price of auto insurance with the times, consumers also need to carefully choose. Experts recommend that consumers in the choice of insurance companies, insurance companies inspected credibility as far as possible, the scale of outlets, claims services and other factors, rational purchase.
The relative chaos of the original vehicle insurance is about to enter the competitive situation "unifying" the era of the same price, consumers how to choose auto insurance? »
New product prices Youshengyoujiang
Tend to reunification
It is understood that the new version of industry products to further expand the coverage of the insurance cover the loss of vehicles, three commercial insurance, liability insurance personnel on board, Daoqiang Xian, excluding special risk Mianpei Shuai, broken glass separate insurance, risk and loss of body scratches Contributing optional deductible insurance, and other types of eight.
According to informed sources in the industry, at present, various companies have completed the industry products, other choice. A choice of the people over, the Chinese joint, land, Cheonan, Wing On, Ampang, China and Thailand, and the sun, such as 11, the market share of approximately 75% of the Option B is safe, Huaan, Taiping, Wing-sun agriculture , And other states, the market share of about 14 percent of Option C, a Taibao, the Bank of insurance, the market share of about 11%.
Prices of the vast number of issues of common concern to the owners. China's PICC Property Insurance Beijing branch of the motor-related official said, the 2006 version in terms of commercial vehicle insurance, Chesun Xian, the three main risk insurance industry practice uniform ABC terms, basically the same price, and additional insurance from various insurance The development of their respective companies pricing; new version of the 2007 articles of the eight major types of implementation of the industry ABC reunification, the rate structure, the level of rates and the rate adjustment factor the entire industry basically the same. Overall, the new product price and the original price level basically the same, but different from the original company for each additional insurance products rates need to adjust to the industry standards, various companies in different types, different models and different customer base The rate on Youshengyouxiang, a minor adjustment.
In rates, the new version of A, vehicle insurance, fully consistent with the old. The old version, A, the three commercial risk profile of the 200,000 yuan to 1,334 yuan rate, the new version, is 1,334 yuan, Che Sunxian also so.
In the new section B, the older version of auto insurance rates lower overall. Version B of the old commercial insurance among the stalls of 200,000 yuan to 1,376 yuan rate, the new version, has become a 1,334 yuan, cheaper than the old version of vehicle insurance 42 yuan.
With the two different, C, the price of auto insurance is mixed, that is a comprehensive three-risk insurance prices, and Jusun Xian is the full price hikes. Overall, C, commercial vehicle insurance more expensive than last year, also in your other two. 200,000 yuan to the family car (new vehicles, the purchase of 20 million in the three commercial insurance, 20 million Chesun Xian) to do that as an example: If horizontal comparison, the same year, commercial vehicle insurance to buy C, 4 On a future premiums paid for 4,714 yuan last year, compared with 4,601 yuan, 113 yuan more expensive; vertical comparison, this year the purchase of A, B, commercial vehicle insurance premiums paid for 4,600 yuan, and C, auto insurance bill Premiums for 4,714 yuan, C, than the other two of your 114 yuan.
Starting next month the implementation of the new motor to unify all the insurance companies the premium change: the vehicle insured, on average less than 30,000 kilometers of a 10% premium; no traffic offence last year, a 10% premium; designated A driver 10%; female pilots receive an additional 9.5% discount. A year on 50,000 kilometers above the premium to increase 1-3 percent; belong to the old, old, new, special vehicles, premiums rose 3 percent until doubled.
Dao Qiangxian upgrading of the main risk
Floating rate is not significant
Dao Qiangxian alone can insure the new 2007 auto insurance industry is a major highlight of the terms. Consumers in determining the composition of another insurance policy holders a choice. 2006 version of Commercial Vehicle Insurance (A, B, C) in, A, Daoqiang Xian for the additional insurance, and B, C Daoqiang Xian in two commercial vehicle insurance can be purchased separately. The 2007 version of the commercial vehicle insurance, Daoqiang Xian and officers liability insurance are on board in the 2007 version of vehicle insurance in the "promotion" level, the upgrading of the main risk.
It is understood that the rates under the new terms, the value of 100,000 yuan a separate vehicle insurance premiums Dao Qiangxian standards for 650 yuan, the calculation of the rate concessions, only to spend Wu Liubai yuan to the insured.
"Because of the risk of adverse selection, Dao Qiangxian separate insurance will be higher risk, but the Daoqiang Xian as the main danger after the rate has not significantly compared with the original floating, in particular the People's Insurance Daoqiang Xian family car standard rate The average level also dropped by 2 percent. "PICC at the North said Dao Qiangxian separate insurance risk management of insurance companies have set higher requirements, will cover part of the scientific management, risk prevention services, not to increase consumer protection and insurance Fee costs.
Customization of the additional risk each company has been a major auto insurance product characteristics. It is understood that with April 1 the new basic insurance industry the introduction of people-the original characteristics of the additional risk for further optimization. In addition to a unified industry products, consumer demand for the development of several new additional insurance products, the new security features were also additional risk will be the recent appearance. April 1, the auto insurance industry in addition to the provisions of the eight major types, consumers will have more people-personalized product choice.
With the price of the times
Consumers how to choose insurance companies
In 2007 the introduction of auto insurance industry terms, making 8 of the common types of products, basically the same price. The future, insurance companies, the management level and service level of market competition will become the key and the main theme.
"Clause after reunification, the owners of the insured worry more. Types of the same name will be the same protection to ensure that the interests of policyholders." Insurance experts said, regulators and the fundamental intent is to "make unity" to resolve auto insurance price war Problems and vehicle insurance from the disorderly competition into orderly competition. It is learnt that some areas in the country Anzhe auto insurance premiums, the proportion of dark deduction of 40 per cent of the total premium.
As various insurance companies operating strategy, distribution networks, financial strength, underwriting volume, and so the difference will produce auto insurance in underwriting, claims the difference in services, while individual companies will have some personalized services. Therefore, the price of auto insurance with the times, consumers also need to carefully choose. Experts recommend that consumers in the choice of insurance companies, insurance companies inspected credibility as far as possible, the scale of outlets, claims services and other factors, rational purchase.
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