A Study Of The Rapid Claims Business Of Life Insurance Companies

Insurance claims department is an important part of insurance company's control risk,which plays an important role in the development of insurance company.As the core of claims,claims investigation provides a basis for claims settlement and insurance compensation,which is an effective way to prevent insurance fraud.For a long time,manage compensate workers in order to guard against moral hazard,treating the work is very rigorous and is very strict with all claims of the module,thus for settling time this work needs to be improved.The rapid development of artificial intelligence greatly facilitates people's life,and the claim work should be kept up with The Times,and some reforms are needed to make the settlement work more convenient.No review of claims is one of the fast-track claims in insurance industry,in addition to the characteristics of the settling time is short,it also broke the limitation of time and place,customers can claim anytime and anywhere.By expanding agent permissions on the service mode,changing the agent can only make the traditional concept of sales work,enhancing the agent's specialization degree,agent transformation provides the reference for the new period.By studying the problems and developing trends of traditional claims work,and combining with the characteristics,advantages and existing problems of the settlement and exemption,some Suggestions are put forward for the traditional compensation work.This paper consists of six parts,the first part is the introduction,which explains the research background,purpose,significance and method of this article.The second part is working with insurance claims related theory research,respectively from the two aspects of domestic literature and foreign literature,including risk management research,medical treatment insurance claims,claims related legal documents and insurance claims services related literature.The third part is the reason of rapid settling,the emergence of a new accident is always affected by the stimulation of internal and external causes,fast settling the internal cause is the traditional manage compensate time slow and difficult,so to break through the shackles of,at the same time the development of science and technology,higher service consciousness from the external catalyst,to speed up the business.The fourth part introduces the business,definition and operation process of claims exemption.This part is about the advantages and some problems of the deductive business.The fifth part is some suggestions on the business of no review of claims and deduct the business of the settlement of the claim.The six part is about the conclusion of the article,which points out the shortcomings of this article,and also hopes that the insurance claims work will continue to maintain the professional standard and become more convenient.