The Research Of Group Insurance Claim Settlement Service Outsourcing In Funde Sino-life Insurance Company

With the acceleration of economic globalization and the refinement of social division,more and more modern enterprises begin to find the solution which can save operation costs and improve operation as far as possible based on the Cost analysis theory.According to the interaction between demand and supply,the outsourcing industry has been introduced into China and developing rapidly.With the introduction of service outsourcing,there are many companies which provide the professional services for others.For the insurance company,the claim settlement service outsourcing is a new development strategy which can optimize resources,integrate management and improve efficiency.Under the function of new universal life insurance,tougher regulation polices,and demographic dividend in recent years,group insurance of Funde Sino-Life Insurance Company,which previously developed slowly,gets a rare development opportunity.At the same time,the policy of returning insurance into the guarantee has been cleared,the insurance industry has gradually pay attention to protecting the rights and interests of consumers.However,the group insurance claim service of the company is unable to obtain sufficient internal to improve service quality and follow the speed of development of the company and the industry,which because of the quasi division system.Combined with the actual work,the author analyses the main problems of group insurance claim service and its primary cause by the way of the questionnaire survey,field investigation,and the analysis of organization structure in this paper.The author think that the company's existing internal and external environment and resource can't support the comprehensive improvement of the group insurance claim service,but the relatively mature claim outsourcing service in the current insurance market provides a powerful reference for the improvement in future.Secondly,referring to mature theories of service outsourcing and the successful experience,the author fully demonstrates the feasibility and applicability of group insurance claim outsourcing in Funde Sino-Life Insurance Company based on the nature and strategic transformation of enterprises,the specialization and standardization of claims,and analyzes the design principles and elements of the group insurance claim settlement business of Funde Sino-Life Insurance Company starting from the key links of claims settlement service outsourcing.Finally,this paper studies and analyses the landing implementation and process control of Funde Sino-Life group insurance claims service outsourcing,and looks forward to the extension of claims service outsourcing.The author hopes the outcome of this paper can make a difference to the claim management of the company's group insurance,and also provide other insurance companies some references or suggestions.