Time flies so fast, and one year has passed in the blink of an eye. Time cannot wait for us. The following is a year-end summary of underwriting work that I carefully compiled for you. Welcome to read it. For more content related to the year-end summary of underwriting work, please pay attention to the work summary! Year-end summary of underwriting work 1

I have realized in the past two months that I have been working in the underwriting job: underwriting and claims settlement It is the core link of insurance operations. "Underwriting" and "claims settlement" happen every day. The cash flow of insurance companies mainly operates through the two links of "underwriting" and "claims settlement". These two positions hold the lifeblood of the company.

1. Enlightenment

During this period of underwriting work, I came into contact with various types of salesmen and customers. Sometimes through small talk, sometimes through complaints, sometimes through hearsay, and various incidents that I have dealt with, I personally feel that insurance companies should be strict in reviewing and underwriting when underwriting, and should be relatively loose and lenient when settling claims.

Everyone has different standards for what is called strictness and leniency. When it comes to underwriting, one should be as fair and caring as the client's family, and at the same time safeguard one's own interests and rights like the owner of the insurance company. Must do:

1) Fair and impartial. Underwriting decisions for the same group of people should be consistent;

2) Underwriting decisions should be based on the company’s possible profits;

3) Underwriting decisions made , can be explained to the customer through the agent, instead of having the underwriter explain it to the customer face to face every day.

When a salesperson does business, it is the first time to underwrite: its authenticity and reliability are required. Health problems are unavoidable. At that time, you must also understand the health status of the insured person, such as body shape, complexion, mental state, gait, etc., and pay attention to any abnormal conditions. The salesperson must truthfully explain the terms to the customer and explain the obligation to truthfully inform the customer; exclusions, expiration provisions, hesitation period provisions, etc. The salesperson should be required to complete the report in handwriting, completely and in a timely manner. Only with a strict introduction can unnecessary claims be effectively avoided.

2. Suggestions

1) Professional training for underwriting positions

Due to the importance and responsibility of this position, training opportunities are required. Only by getting training can you work more effectively.

2) Reasonable Suggestions from Customer Notices for Underwriting and Write-off

Our district’s underwriting has always been at the bottom of the provincial company assessment, and we have always wanted to change this situation and even gave up at noon Rest has been processing the underwriting opinions issued by the provincial company. But after two months of work, I realized that hard work has no effect! I checked all the assessment data. The deductions for these two months mainly came from the write-off of the notice. Customer notices are divided into internal notices and customer notices (for example: conditional underwriting notice, contract termination notice, supplementary information notice, transfer notice, etc.). Currently, for this area of ??work, I make write-off notices every day and send them to each business unit in the QQ group. The city's sales department and development department also issued individual notices and asked the team to read out the strengthening efforts at the morning meeting.

Student Transfer Notice: Give it directly to the staff. This work is currently being completed very well.

Notice of supplementary information: divided into two categories:

One category is to provide previous claim settlement information; for this work, I will find the relevant information and claim number in the system and then hand it over for safekeeping. The clerk asks for the information, then makes a copy of the material, then asks someone from the claims department to scan it, and finally writes it off to the security personnel. There were no points deductions in the provincial company assessment in the past two months. (But so many people are required to complete this task, and sometimes it really feels like a waste of life and money.)

The second category is to provide a medical history questionnaire or tell the truth. This work must be completed with the cooperation of the salesperson. As an underwriter, the only thing that can be done is to find out the insured’s claims record and provide it to the salesperson to help fill in the medical history questionnaire and tell the truth, but it must be signed by the customer himself. Write-off, which often makes the salesmen delay and delay the write-off time.

(This has resulted in serious points deductions in the provincial company assessment within the past two months.)

Conditional Underwriting Notice: This is a renewal notice that requires the customer’s signature to agree or disagree. Many salesmen did not actually make appointments with customers, and some customers did not agree that the salesmen were too lazy to bother and were unwilling to pay attention to the matter. There were also customers who canceled the insurance because they thought it did not matter, but the salesmen did not take any measures, resulting in deduction of points. (This has resulted in serious points deductions in the provincial company assessment within the past two months.)

It is recommended that this work be linked to the performance of the general manager of the business unit and to the performance of the salesperson.

The underwriting work involves the interests of the company and the policyholders. Therefore, I will further enhance my work efficiency. Year-end summary of underwriting work II

2016 was a year in which the auto insurance branch of the claims center achieved good results in various tasks. The provincial company designated this year as the "data year" and "service year". The Central Auto Insurance Branch has fully implemented this initiative and formulated an annual work plan with high standards and strict requirements. This year, we fulfilled our four-one service commitment to the society; this year, we withstood the test of the heavy rainstorm on July 23; this year, the reform of the claims settlement business was in full swing; this year, in Under the correct leadership of the Municipal Company and the Director of the Claims Center, all employees of the Auto Insurance Division worked together, cooperated, and were dedicated to their work, and successfully completed various tasks assigned by the center. The work situation over the past year is now summarized as follows:

1. Work completion status of each position in the Auto Insurance Division (data as of November 30)

Annual Claims Center Auto Insurance Division* ** Handled 36,820 auto insurance cases with damage assessment, more than 40,000 replacement quotes for lost vehicles, and 37,000 auto insurance compensation cases (231 out-of-town compensation cases on our behalf), accounting for about 70% of the city's cases, compared with last year's cases The throughput increased by 34. The one-hour notification compensation rate for cases below 10,000 yuan ranks second in the province; the settlement period for cases below 10,000 yuan is 2.4 days, and for cases above 10,000 yuan is 12.6 days. The handling rate of auto insurance cases reached 107, the handling rate of auto insurance out-of-pocket loss cases was 107.98, and the handling rate of out-of-pocket cases was 100.14. Accepted 28 theft and rescue cases, cooperated with economic investigation to investigate and handle 8 insurance fraud cases, and recovered losses of more than 400,000 yuan for the company.

(1) Inspection and loss assessment post:

1. In order to cooperate with the development of online determination, verification and reporting work, the center is specially equipped with netbooks for survey and loss assessment personnel. The following individual vehicle damage cases will be recorded as they are determined. System entry and data collection will be completed within half a working day after the loss is determined, and the accuracy of case-related data will be ensured. In line with the head office's requirements for auto insurance survey and claim settlement services, the survey and loss assessor has made a major change in the concept of claim settlement and puts the claim settlement service work first.

2. For the loss determination of non-quick cases, the preparation and system entry of the loss determination shall be strictly carried out in accordance with the claims settlement regulations, and major cases shall be registered one by one. The quality of the case will be assessed by the supervisor of the damage assessment post in strict accordance with the standard process of survey and loss assessment, and will be included in the monthly and annual assessments. Enhance employees' work enthusiasm and sense of responsibility.

3. Assist three business companies in the same city to strengthen cooperation with associate and cooperative repair units. Renew the XX-year cooperative repair unit agreement. Develop corresponding differentiated claims configurations for cooperative units with different premium sizes. At the same time, we will strengthen the implementation of the principle of "who underwrites the repairs" and hold the handlers accountable for cases involving violations. Through statistics on the amount of repairs sent by various associations and cooperative units, special training on auto insurance claims and corresponding services by full-time loss assessors are provided to 4S stores with a certain premium scale.

(2) Adjustment post

1. Adjusters complete the day's case adjustment according to process requirements (before 17:30), while paying attention to the completion, accuracy, and specification. All adjusters, especially those working at the counter, must strictly follow the system requirements, maintain good appearance, appearance, behavior, language and etiquette, and reflect the spirit of PICC claims employees.

2. In order to speed up the flow of cases, the adjustment post has been changed from the previous 8-hour work system to a shift system, and quantitative performance assessment has been implemented to improve the closing cycle of quick cases and improve the quality of auto insurance claim settlement services.

(3) Quotation post

1. Strictly implement the glass price agreement signed between the head office and Fuyao Glass Group. Judging from the implementation, the 4S store and various cooperatives The repair unit basically supports the price agreement and there is no large-scale dispute.

2. Regularly maintain the data of Deyang City Company of Jingyou backend system, including the latest market price and correction system factory price (4s price).

3. Provide initial quotation support for survey and damage assessment, and promote the execution of small-amount quick cases.

2. The progress of other work in the auto insurance division

(1) In order to improve the service level of the auto insurance claims team, in addition to the study and training organized by the company, several training sessions were also organized during the year Branch employees receive various forms of training such as "Standardized Operation Guidelines" training, written tests, and standard speaking scenario simulations. The auto insurance branch manager promptly organizes and intensively studies, communicates and implements the relevant systems, plans and provisions issued by the provincial company. Each position also arranges 1-2 business skills training sessions per month, which are implemented by the supervisor of each position. In the national claims adjuster grading examination, the branch already has 3 senior claims adjusters and 6 intermediate claims adjusters. The rest of the employees, except for new employees, have all passed the junior claims adjuster grading examination.

(2) Focus on internal control, strengthen management, and strive to achieve various indicators issued by the center.

1. All positions in the branch actively cooperate, support each other, and supervise to form a joint force to ensure the smooth and orderly process of claims settlement.

2. Pay close attention to the implementation of the system, strengthen claims management and control, strictly prohibit the occurrence of over-compensation cases, and strictly accommodate the case management system.

3. Adhere to the clearing system of pending compensation cases, sort out the 3,500 pending claims one by one and cancel them accordingly, urge the loss determination and supervise the closing of the case; 5832 closed cases and determined losses Modify the estimated loss amount of the case filed; urge the case where the estimated loss amount is still undetermined and cannot be modified; promptly clear the case with the estimated loss amount of 0 and modify the accurate estimated loss amount in a timely manner.

(3) In order to cooperate with the three companies in the city, starting from the company's business, the management and control method is transferred from the company to the cooperative units and individuals, effectively implementing the management and assessment mechanism of the cooperative units, and fully mobilizing all available resources. resources to work around company goals. In particular, they have achieved good coordination in the recruitment and bidding of vehicles and the problem-solving of key customers by the two municipal teams. Within the scope of their job responsibilities, they have given full play to their enthusiasm, initiative and creativity, and improved their predictability, foresight and Planning creates more economic value for the company under the premise of the same management costs.

3. Work Plan for 2017

Looking back on one year of work and study, while achieving the above achievements, there are also some aspects that need to be improved in future work:

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First, we must continue to strengthen the management and control of auto insurance claims and effectively reduce the cost of compensation. Specifically, the following measures will be taken: increase the intensity of the first on-site inspection; increase the intensity of nuclear damage management and control; do a good job in the management of outstanding claims cases and strictly enforce the accountability system. It is necessary to improve the accuracy of damage assessment and the case settlement rate.

The second is to enhance the awareness of preventing insurance fraud, and to further work with traffic police, economic investigation and other departments to combat counterfeiting and fraud. The third is to carry out "double integration and one innovation". That is, rectifying the auto insurance claims team, rectifying the quality of auto insurance claims, and creating excellence in auto insurance claims data.

Paying attention to the old and looking forward to the new, improving the quality of claims services will still be the focus of work in 2017. The quality of claims services will be directly related to the company's image and affect the company's business development. Auto insurance claims is a business that needs to be controlled. How to Shortening the claim settlement cycle, saving claims settlement costs, and squeezing out the claims settlement water has always been the goal of the auto insurance division. We will do every job down-to-earth. All employees of the auto insurance division will work together with the company under the leadership of the claims center. develop.

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