1. Investigate and collect evidence, collect, sort out, review survey and damage assessment data;
2. After receiving the notice of survey and loss determination, organize customers and relevant personnel to conduct on-site survey and evidence collection to verify the loss of insurance accidents;
3. Meet with customers, check and determine the validity of property rights, find records of police and hospitals, and determine responsibilities;
4. Check the claim form and other records, determine the scope of insurance liability, and make compensation adjustment for all claims and agency claims within the scope of duties;
5. Explain the claim conclusion to customers and agents reasonably, and deal with customers' opinions on survey and damage assessment and claim feedback;
6. Filing claims documents, establishing and maintaining claims business database and customer risk files, analyzing customer risk distribution, and putting forward risk management countermeasures to ensure that claims information data is true and accurate;
7. Study the policies, management systems and practical processes related to claims settlement, put forward suggestions for drafting and revision, and continuously improve the quality and efficiency of claims settlement.
An insurance company refers to a company as a legal person established in accordance with the Insurance Law and the Company Law. Insurance companies collect premiums, invest the premium capital in bonds, stocks, loans and other assets, and use the income of these assets to pay the insurance compensation determined in the policy. Through the above business, insurance companies can get high return on investment, provide customers with appropriate insurance services at lower premiums, and make profits.
The business of insurance companies is divided into two categories:
(1) Personal insurance business, including life insurance, health insurance and accident insurance.
(2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to operate life insurance business and property insurance business at the same time.
An insurance company is an insurer in the form of company organization, which deals in insurance business. The insurer in the insurance relationship has the right to collect insurance premiums and establish insurance premium funds. At the same time, in the event of an insured accident, it is obliged to compensate the insured for economic losses.
Insurance companies are companies that sell insurance contracts and provide risk protection. An insurance company refers to an economic organization that operates the insurance industry. Insurance companies refer to commercial insurance companies established with the approval of China Insurance Regulatory Authority and registered according to law, including direct insurance companies and reinsurance companies.
Legal basis:
Article 12 of the Insurance Law of People's Republic of China (PRC) * * * When concluding an insurance contract, the applicant for personal insurance shall have an insurable interest in the insured.
The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident.
Personal insurance is an insurance with human life and body as the subject matter. Property insurance is insurance with property and its related interests as the subject matter. The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money.
The applicant can be the insured.
Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.