First, strictly implement the company's terms, strengthen business management, and build a high-quality and standardized underwriting service system. Underwriting is the source of the company's operation, the important basis of risk management and control, and the basic guarantee for the company's survival. Therefore, in xx, the company will pay close attention to business management and improve its risk management and control capabilities.
Second, standardize and implement the company's terms of service, improve service quality, and build a first-class service platform. We are not dealing in tangible products, but in services to avoid risks or venture capital. In today's increasingly transparent market and fierce competition, service has become the core competitiveness of our company and has been integrated into our company's values. Customer service is the concrete embodiment of this concept. 20XX years, strictly standardize customer service, establish a first-class customer service system, and truly provide quality services to customers of every company.
Third, speed up business development, consolidate Zhengzhou's market share and expand Henan's market share. Based on the premium income of the branch in 20xx, the company plans to realize the annual premium income of 1 10,000 yuan in 20xx, in which: the plan will be implemented in the following aspects.
1. Carefully organize and plan, resolutely accomplish the planned objectives, and lay a solid foundation for the annual objectives.
2. Vigorously develop channel business, deeply expand Zhengzhou market, fight hard for local business in Henan, advance in an orderly manner, and expand and consolidate Henan market share.
Motor vehicle insurance is the top priority of our business. Therefore, it is still the focus of our work to vigorously develop motor vehicle insurance business, give full play to the company's auto insurance advantages, and fight a tough battle for auto insurance business. In 20xx, it is necessary to consolidate old channels and customers, expand new channels, strive for new customers, and focus on developing channel business, fleet business and new car business underwriting, so as to make the auto insurance business reach a new level.
4. Do a good job in non-auto insurance exhibition industry, choose to visit some large and medium-sized enterprises and institutions, focus on public relations with units with good benefits and low risks, establish good relations with units, strive for a package of insurance coverage for property, personnel and vehicles, and do a good job in market development of non-auto insurance benefits, and strive to form a new pattern of non-auto insurance business development in 20xx.
5. Other aspects: Do other insurance business well; Strengthen cooperation with various insurance units; Actively participate in the fierce competition of various insurances.
Fourth, do a good job in team building, do a good job in employees and insurance salesmen, continue to improve the allocation of human resources, and provide human security for the company's business development. In 20xx, wages and benefits will be appropriately increased on the basis of 20xx. At the same time, it is planned to provide a gift for each employee's physical examination and birthday, and hold some group activities. , so as to make good use of talents, retain talents, and provide strong human security for xx's business development.
Five, improve the management mechanism, strengthen the execution. This year, we will start with the system, modify and supplement the existing rules and regulations of the company and the required scope, improve the previously imperfect rules and regulations, and make them more in line with the needs of the company's operation and management. Compile a book and distribute it to every employee, and study hard. Really manage people with the system and do things with the system, so as to improve the execution. 20xx is a brand-new year. It is expected that through the joint efforts of all our staff, the company will enter a brand-new development stage.
extreme
First, fully implement the general policy of "positive balance, integration and transformation, innovation and transcendence" of the Head Office, actively implement the Guiding Opinions of the Head Office on Implementing the Project of Improving Employees' Professional Quality, build a learning-oriented and innovative enterprise, build an excellent human resource support platform, increase personnel training, establish a personnel training mechanism, and comprehensively improve employees' professional quality.
Second, change ideas, actively adapt to the needs of market competition, continue to strengthen the education of competition awareness and crisis awareness, introduce incentive mechanisms, consolidate the market share of the original insurance products, and actively explore new businesses and sources.
Third, strengthen communication with the government and relevant departments, improve government leaders' understanding of the important role of insurance in economic and social development, actively seek the support of the government and relevant departments, and optimize the insurance development environment.
The fourth is to further strengthen the service consciousness, strive to improve the service level and improve the external exhibition environment. Establish a daily training system for customer service personnel, and strive to improve service skills and service level. At the same time, increase the investigation of claims and try to squeeze out the moisture of claims.
Fifth, strengthen team building, create a * * * development environment that keeps people in business, feelings and treatment, stimulate employees' sense of identity and belonging to the company, and keep the team highly stable. Further enliven the employment mechanism, persist in breaking the boundaries of identity, and use talents in an eclectic manner to ensure that people do their best.
Sixth, strengthen communication with various agencies to make them develop as soon as possible and achieve a win-win situation.
Seventh, strengthen the guidance of rural outlets, increase production capacity as soon as possible, actively contact the party Committee and government, build other township (town) outlets, maintain and build one, and see results. At the same time, we will further strengthen the construction of "China Life Advanced Village" and successfully accept it, so that the broad masses of farmers can get more high-quality insurance protection from China Life and feel the care of the party and the government.
Eighth, continue to do a good job in safety education, legal education and building a clean and honest party style, strengthen management, put an end to all kinds of economic, public security and criminal cases, reduce management risks, and ensure stability in the rear.
Tisso
Through one year's efforts, our brand has been widely recognized by all walks of life, and our high-quality and fast claims service has won the trust of customers. However, in our work, we still find many problems and shortcomings, such as the high insurance payout ratio and the lack of ways and methods to deal with cases of refusing insurance. Therefore, improving the quality and management level of claims in an all-round way is still the focus of our future work. In the work, we should further strengthen the work of key links such as auto insurance survey, loss assessment, quotation, claim verification and physical examination, so as to achieve objectives, measures and audits. Therefore, we should seriously:
(1) The reporting time of the special line shall be controlled within 3 minutes of each case, and the return visit rate shall reach 95%; The on-site arrival rate of the damaged post should reach 100%, and the overdue delivery rate should be controlled within 10%; 1 day, the quotation post shall report the vehicle control, and the coordination between the vehicle reported by the branch and the branch shall be controlled within 2 days as far as possible; The settlement rate of the number of adjustment posts and the settlement rate of the amount strive to reach 85%.
In 20XX, we will continue to strengthen the assessment of on-site claims cases, expand our influence, create momentum, and establish the characteristics of China insurance claims service in Baotou market.
(2) Control the fixed loss quality of car damage insurance, and ensure that the payout ratio of auto insurance drops sharply. Therefore, we should improve the first-site survey rate, squeeze out the moisture in the car damage insurance claims, effectively implement the damage assessment review and nuclear damage, and strengthen the supervision of the survey and damage assessment work.
(3) Strengthen the construction of claims team, strictly enforce discipline, comprehensively and seriously receive reports, arrive in time, accurately quote, provide enthusiastic service and make reasonable claims. Further improve the fast claim settlement method, ensure the simplification, convenience and quickness of case handling under the principle of initiative, quickness, accuracy and reasonableness, and highlight the characteristics of China Insurance. Establish and improve the service network of maintenance, rescue and spare parts, and review the automobile maintenance cooperation units that have signed cooperation agreements on the principle of mutual benefit and risk control. Strengthen the construction of survey and damage assessment team, and reserve personnel one step ahead of time to prevent survey and damage assessment from dragging down business development.
With the continuous expansion of business scale, it is necessary to further improve the business skills of all claim adjusters, strengthen the supervision and assessment of claim adjusters, improve the work efficiency of claim adjusters, standardize the words and deeds of claim adjusters, put an end to behaviors that are detrimental to the company's image and interests, and require survey personnel to be neat in vehicles, tidy in clothes, polite in speech, humble, patient and meticulous, efficient in service, deal with customers with a brand-new look, and educate every claim adjuster.
(4) In 4)20XX, under the premise of ensuring the on-site coverage rate, we further improved the on-site reporting rate, and intensified the verification of crime scenes without self-reported cases, so as to reduce the occurrence of false insurance fraud cases. Our department issued a reward method for refusing compensation cases, mobilized the enthusiasm of all staff, further reduced the payout ratio, increased the profit margin, focused on strengthening the investigation and handling of non-auto insurance and major difficult cases, and sent professional teams to carry out the investigation and handling of non-auto insurance and difficult cases.
(5) Strengthen the quotation management, localize the price, squeeze the moisture in the price of auto parts and maintenance, effectively realize the same model and unify the quotation amount.
(6) Strengthen the review of damage compensation cases.
(seven) actively prevent insurance fraud, do a good job in the investigation and handling of difficult claims.
(8) Standardize the management of outstanding claims, strictly implement the provisions of the Head Office on the management of outstanding claims, standardize the handling principles and operational procedures of outstanding claims, improve the accuracy of the loss estimation of outstanding claims, and try to prevent the occurrence of zero loss estimation of outstanding claims.
(9) Strengthen internal information feedback. Feedback the problems found in the process of claim settlement to the underwriting department in time, so as to promote the underwriting risk control of the company, supervise the implementation of the underwriting system, curb the upward trend of payout ratio from the source, and coordinate the relationship between business development and claim settlement control.
(10) Strengthen the management and supervision of insurance claims. All departments and branches of the Company collect the problems and guiding opinions and suggestions found in the process of insurance claims service and management, and adopt useful opinions and suggestions to rectify insurance claims service and management and comprehensively improve the quality and efficiency of insurance claims service and management.
In the next time, our department will aim at improving customer satisfaction and safeguarding the company's interests, strive to improve the quality and efficiency of insurance claims, enhance the company's social reputation, establish the company's brand, show the company's service advantages, and strive to promote efficiency through service, so as to make due contributions to building our company into a first-class modern insurance enterprise.