China's insurance industry, the real bottleneck in development: claims difficult to

China's insurance industry is starting from the beginning in 1949, after the reform and opening up a very good development, insurance companies have also developed dozens of current, the size of the assets of the insurance industry has more than trillion yuan, the development of the industry as a whole not that unhappy; but after the start of reform, with the entry of foreign insurance companies, the introduction of the concept of insurance agents, insurance industry played a significant role in promoting, but the insurance agent system should be the negative effects caused by far greater than that of the positive side, insurance agents need in order to performance, there has been deceiving the insured, privately insured embezzle money is not such a serious incident of good faith; later state qualifying examination for insurance agents, the adverse events reduction, but the insurance industry's public image has been greatly reduced, with the financial sector are banking, securities, compared to a far cry from the. The author is located in Guangzhou as an example: "in 2005 in Guangzhou Economic and Social Development Statistical Communique", Guangzhou GDP is 511.575 billion yuan, finance and insurance industries, the city's financial institutions to 1173.41 billion yuan deposits, then add 1289.30 billion; in the insurance industry, the annual premium income of 15.863 billion yuan is only in the proportion of GDP is 3.1 percent, the bank deposits was added 12.3%, far lower than the banks and the securities industry; can be seen from At present, the insurance industry in the financial industry in the awkward position of. I have worked in China's Ping An Life Insurance Company, China Pacific Insurance Company and American International Assurance Company Claims Department for many years, claims the status quo of the insurance industry also have their own personal experience to form their own judgments: the development of the insurance industry should be the real bottleneck claims difficult, rather than in marketing to promote the above. At present, the insurance company is not in the marketing efforts is not a year many of the various competitions, but the amount of the high surrender, claims litigation cases has increased year by year. By the China Insurance Regulatory Commission published the "Blue Book of China's insurance industry (2004-2005)" in the record: in 2005 the amount of life insurance surrender industry 48.69 billion yuan, representing an increase of 56.18 percent last year. As the largest province of the insurance in Guangdong, the province's premium income last year, only about 55 billion yuan. This explains the vast number of people do not trust insurance is very serious; resolve difficult claims to solve the people's trust in insurance. Surrender and insurance claims litigation and other cases can be better containment. The author claims that there are several reasons (in life insurance as an example): (1) insurance claims involving multi-professional disciplines, including clinical medicine, pharmacy laws and regulations, insurance, science, actuarial science and other professional disciplines, which involves medical must have the most knowledge, such as accident compensation assessed disability, payment of hospital fees, the payment of major diseases, such as insurance, will require substantial knowledge of Chinese medicine, and the general public is apparently not so much energy and time to master these things of; (2) the insurance company's own reasons: for example, obscure clause in the insurance policy, the author of medical workers to join the insurance company claims departments of insurance claims刚接触time, also feels that the terms of the contract confusing, not to mention the medical little knowledge of the general public; another example, at present much hubbub of Shanghai, Shenzhen, Guangzhou, customer surrender a major American insurance companies arising from sickness insurance litigation, there is reason in this regard. Moreover, the insurance agent's assessment is based on "performance论英雄" and a direct result of insurance agents in order to better performance, in order to have more of the commission, either intentionally or unintentionally mislead or deceive customers; and insurance companies in dealing with customer claims when, due to an uneven level of claims personnel objective and subjective factors, such as, leakage compensation, less compensation, such as improper twelve occurred from time to time, which has led to expected customers obviously do not trust the insurance companies; high surrender the amount of litigation claims many cases, it is that the problems in this area; (3) insurance regulatory authorities failed to fulfill their duties: Xinhuanet November 27, 2005: The Japanese Financial Services Agency to identify leakage compensation insurance industry in Japan, twelve problem is serious, the amount of money involved up to ¥ 8,400,000,000; and engaged in life insurance business in which the Meiji Yasuda Life Insurance Company in the past 5 years the amount of improper twelve 52 billion yen. See this message, we will ask: China Insurance Regulatory Commission to identify the annual compensation of the leak, what is the amount of improper twelve? ? Leakage of various insurance companies pay, what is the amount of improper twelve? ? May even do not know the China Insurance Regulatory Commission. (4) the reasons for customers: Customers buy the insurance when the insurance agent unilateral believe exaggerated; in an insurance policy, the terms of the contract of insurance do not take the initiative to understand and are familiar with. "Insurance Law", "Contract Law" and other insurance claims and related legal instruments on the little, resulting in insurance claims, more than a simple claim for the period of twelve cases, such as occur from time to time; added to the "difficult claims" misunderstanding. "Insurance easy, difficult claims," has now become a public summary of the insurance industry, profoundly out of the vast number of people dissatisfied with the insurance companies, but also hinder the entire development and expansion of the insurance industry; The good news is: the insurance companies have also taken a certain measures to solve the "difficult claims" this problem, for example, claims the amount of 500 yuan in the following summary赔案, the insurance company to pay compensation on the spot. However, in terms of the current large, these changes are pay car glass, far from people's expectations, more people did not return the trust of insurance companies, so the general public can only take the surrender, litigation and other extreme ways to to resolve insurance disputes, came to light through the media, the more heightened awareness of the difficult claims. Would be better to enlarge and strengthen the insurance industry, as well as on a par with the banking sector, on the urgent need to address the current prevalence of the insurance industry's "settlement difficult," this problem, we need to make more effort; which insurance companies should do more efforts, and even to sacrifice some immediate interests and to return people's confidence in the insurance industry. Policy of regulation, supervision of insurance claims should also be some stronger. For example, requiring the company claims the current rules for appropriate adjustments; such as "may lose some may not pay compensation" to "can not pay part of compensation paid to" strengthen the supervision of the twelve cases; focus on the current still in the marketing of insurance companies, requiring the company to enhance the ability of claims personnel training, to strengthen the claims of the agent training and moral education; at the same time people should be encouraged to trust the professional strength of the emergence of third-party together to solve the "difficult claims "The problem; to promote the healthy growth of the insurance industry.