Optimization Of Vertical Claims Management Mode Of A Insurance Company

With the continuous development of domestic insurance market and competition intensifies day by day, an important part of insurance claims as the customer contact and perception of insurance services, performance of insurance contract, improve efficiency, strengthen and improve the claim settlement service quality, safeguard consumer rights and interests has been the core issue pays close attention to A insurance company. Vertical claims management system is a major change of management mode of A insurance company from 2010. The model is made people, money, matter of claims department and other aspects of the power back to the parent company, enhanced the parent company on the macro-control and supervision, maintained the authority of the company, promoted and accelerated the change of management consciousness and the company’s direction, improved the quality of the claims, also promoted the settlement business professional level. But this mode easily lead to Longitudinal and transverse contradiction, at certain extent, it weaken the complete function of grassroots company play and increased the phenomenon of illegal, disciplinary, corruption in vertical claims management departments.So we must to optimize and reform the mode, at first is to strengthen the self construction of vertical claims management departments, improve internal incentive mechanism, establish and perfect the management and supervision system; Secondly, to regulate the relationship between vertical claims management department and grassroots company, Permission to the reasonable division of the parent company and the grassroots company’s responsibility, establish and improve the coordination mechanism and dispute settlement mechanism of vertical claims management department and grassroots company; Finally, the parent company and the grassroots company should be adjusted accordingly, on the base of reasonably defined the terms of reference.