5-12 credibility withstand earthquake insurance claims Dakao

"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.