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Concept and process life insurance claims Concept and process life insurance claims - The definition of life insurance claims Life insurance claims is the insurer to cover the insured property accidents, insurance claim the contractual relationship request, under the terms of the insurance contract, agreement, audit insurance and deal with the insurance compensation law. The insured or beneficiary access to life insurance protection and realization of its essential security interests of way The insurer to fulfill the obligation for the insurance contract Operating a concrete manifestation of the quality of life The significance of insurance claims and claims Through claims and claims for the community in the production of financial security. The insured or the beneficiary of the insurance benefits enjoyed realized. Insurance coverage of quality inspection. Can further improve and enhance the disaster loss prevention. Make the insurance cost be fully realized. The content of life insurance claims 1, in the usual sense of the death, disability, serious illness, injury care, hospital care and preventive medical care insurance benefits 2, occurrence of the insured due to the return of premium 3, as applicable to the subject of the refund of duty exemption policy cash value 4, due to terminate the insurance contract and the refund of premium 5, Waiver of Premium The functions of life insurance claims ? achieve protection ? and regulations ? ? strengthen brand Protection function is the most essential function of life insurance Terms reviewed and standardized test Review and test the quality clerk Review and test the new contract underwriting operations and management of such links Statistical analysis of data, prompt feedback Reasonable, reliable and convenient services should be community The purposes and principles of life insurance claims ? purpose of claims ? The principles of claim ? Satisfy the insurance policy holders should have protection Provide proactive, enthusiastic, sincere, thoughtful service Principles from the real The principle of fairness Principle of efficiency Claims in the life insurance business in the position ? claims for Development ? claim the benefit A report admissible Report Definition Report form Processes: Report registration Report Login Placed on file Placed on file rule: the conditions placed on file the conditions placed on file the application materials the applicant Return items Processes: review Registration No files placed on file transfer Claims Audit Audit Points ?Audit objects and links ?Address the audit results Claims Conclusion Normal payment Accommodation payment Termination payments Pre-payment Not covered Survey Investigation and evidence collection The main methods of investigation That the approved Report writing Processes Claims basis, the closed archive Note claims calculated Closed ?Confirm eligibility of recipients ?Claims files on File ?Protest ?Premium waiver Claims statute of limitations International Claim Association (ICA) International Claim Association was founded in 1909 and headquartered in Washington, is the world&#39;s largest association claims, the world&#39;s life insurance, health insurance and disability insurance claims management plays an important role. The host of the qualifying examination are also the world renowned, their professional qualifications issued by the claims and certification are recognized worldwide, is a very small number of prevailing in the global life and health insurance claims on the professional qualification. International Claim Association (ICA) Code of Conduct (1) Any claim or claims of the parties that he should be courteous, fair, reasonable treatment cum quickly received claims for the echo. International Claim Association (ICA) Code of Conduct (2) The applicant claims should be fast fact check, an objective assessment of claims, cum obligations become clear enough in the claims should be fair and just claims paid. International Claim Association (ICA) code of conduct (3) Each claims the applicant shall be subject to the same treatment and consideration and the policy terms should be associated only included. International Claim Association (ICA) Code of Conduct (4) Needless to claim the applicant was forced to take necessary legal means to obtain the amount of the claim, not a policy or policies for which no successful claim as part of other policy or policies affecting another part of the claim. International Claim Association (ICA) Code of Conduct (5) In recognition of our responsibility to promptly pay the payment of all the application should also have the responsibility to buy insurance to protect the public from false or should not be responsible for claims from the increase in cost. International Claim Association (ICA) Code of Conduct (6) Processes and practices must be established to prevent the background and get special treatment, should also be careful to save a secret cum right claims settlement record. International Claim Association (ICA) Code of Conduct (7) Implementation of reasonable standards and appropriate manpower, systems, processes and achieve efficient claims service, these standards should be able to eliminate unnecessary delays and requirements, adherence to cum too technical assessment and verification excessive. To encourage and assist claims personnel in the administrative claims further develop their knowledge, skills and expertise. ?
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