县域保险理赔问题.docVIP

PAGE PAGE 8 摘要：“县域保险”是未来保险业务发展的增长关键点，理赔是保险服务的一个重要窗口而“县域保险”的理赔就是关键的关键了。而目前“县域保险”理赔存在很多问题，主要表现在县域保险处于“理赔难”这样的大环境、理赔时效与质量的矛盾、理赔调查的难度大。而这些问题要解决都不是一朝一夕的，只有从客户满意度着手，用良好的服务态度来打动客户，并且通过改变理赔的流程和理赔的观念让客户满意我们的理赔，才能让整个社会接受保险，才能达到高质量、高效率的“县域保险”理赔。 Abstract : County insurance is the future development of the insurance business growth key points settlement of insurance services is an important window county insurance is the key to the settlement of the key. At present, county insurance claims there are many problems, mainly manifested in a difficult adjustments, a big environment, County low cultural environment, the loss adjuster spent with quality contradictions, claims investigation difficult. These problems are not solved overnight, only from the customer satisfaction proceed, with a good attitude of service to move customers, By changing the settlement and the settlement process and the concept of customer satisfaction for our loss adjuster, so that the whole community can accept the insurance in order to achieve high-quality and high-efficiency of county insurance claims. 目录 1摘要·····················································1 2．引言····················································3 3．县域保险理赔的现况及分析································3 3．1县域保险理赔处于“理赔难”的大环境···················3 3．1．1寿险公司经营思想存在的问题·························3 3．1．2保险代理人的问题··································4 3．2县域保险理赔的特殊困难·······························4 3．2．1县域保险理赔存在时效差 ···························4 3．2．2县域保险理赔要处理时效与质量矛盾··················4 3．2．3县域保险的文化素质环境较低··························5 3．2．4县域保险理赔的调查存在困难························5 4．如何达到高质量、高效率的理赔···························6 4．1由专职理赔向全民理赔的变革···························6 4．2由被动理赔向主动理赔的转变···························6 4．3县域保险时效差问题的解决······························6 4．3．1保险公司要充分信任和培养理赔员····················6 4．3．2改变一些流程，促进理赔款的更快到位·················6 4．4提高兼职调查员的专业素质·····························7 5结论····················································7 6参考资料·················