The eight-character policy of insurance claims

Through compensation, problems and loopholes in disaster prevention and loss prevention can be found as the basis for strengthening and improving disaster prevention and loss prevention. The quality of claims is also related to the reputation of insurance companies, thus affecting the exhibition industry. Therefore, claims should adhere to the following principles: (1) Implement the eight-character policy of "initiative, quickness, accuracy and reasonableness". Among them, active and quick means that after receiving the report from the insured, the insurance company takes the initiative to understand the disaster situation and damage, and the claims personnel rush to the scene in time to quickly investigate and compensate for the losses and enthusiastically provide services for the insured; Accurate and reasonable means to distinguish responsibilities, accurately determine losses and make compensation reasonable. This requires claims workers to have rich insurance professional knowledge, be quite familiar with all kinds of insurance objects, and master the methods of finding out the causes of losses and estimating losses. (2) Honor contracts and keep promises. That is, the insurer should strictly abide by the terms of the insurance contract and respect the legitimate rights and interests of the insured. (3) Seeking truth from facts. This is the basic principle and requirement that insurance claims should follow. This principle requires the claims adjuster to judge the cause and nature of the insurance accident on the basis of facts and evidence when analyzing the case and handling the case of compensation or payment, and not to make subjective assumptions. After investigation and review, once the accident within the scope of insurance liability is confirmed, the claim shall be settled according to the contract. For more information about accounting, please visit: Yulu Road Network Accounting Channel wants to communicate with other candidates? Click to enter the accounting examination forum >>& gt.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.