Life Insurance Company's Core Claims Business Systems Design

Insurance companies involve in operating responsibilities and undertaking the social responsibility. After entering WTO, many open and competitive elements have been merged into China's economic development. With the openness of the insurance industry, more and more foreign insurance institutions have entered China and participated in competition. Under intensely competitive market environment, in order to maintain their competitive advantages, if the insurance companies only rely on the ways of reducing profits, improving service levels, etc., they can not follow the rapid development trend. Under the current big environment that information technology has been broadly applied to the development of the insurance industry, level of informatization construction has become the key index to build the core competence of the insurance industry. Based on this background, it is extremely important to build the operating management system for the core businesses of the insurance companies.This thesis elaborates the management functions of three core businesses including new life insurance contract, information auditing and claims settlement. Focusing on the demand analysis on the subsystem of claims settlement of Life Insurance's core business system, it proposes a solution, and respectively describes the business flows of each module of the claims settlement system, then implements detailed designing on the system based on the functional demands of each module, and finally describes the realization of some interface and typical functions of the system.This thesis studies how the Life Insurance's claims settlement business system adopts a B/S framework, integrates electronic business and modern insurance idea to realize the insurance business logic through computer networks based on the current mainstream J2EE technology, thus realizing the informatization of processing Life Insurance's claims settlement business. This informatization management improves the business processing and loading capacities, increases the business processing efficiency and benefits, and enhances the market competitive capacity.At present, this core system have been used in Life Insurance and plays important roles on the aspects of daily core operating, claims management specifying, labor cost reducing, operation risk reducing, etc. Moreover, this system also improves the customer service capacity and brings more customers, thereby bringing economic benefits for the company. With the continuous optimization and improvement of the system, it will be applied more widely in the future.