In the face of the capital market continues to depress business investment lost, and a cold winter with a view to enter the property insurance industry will be greater hopes on the insurance business, the Insurance Business in the proportion is as high as 70% of the auto insurance business, becoming heavy in the Weight.
The largest Insurance Company - Insurance PICC (2328.HK) - appeared in the first half of a loss of 292,000,000 yuan, for the realization of losses throughout the year, from its insurance companies, the loss will be, and claims links to cut costs and compensation.
In addition, around the Baojian Ju across the country are implementing various measures to standardize the operation of Insurance to reduce intermediate links and the cost of compensation costs.
Mode of the People's Insurance
PICC Property Insurance an internal source, the first eight months of natural disasters are still being paid, and the resulting increase in overall compensation is difficult to avoid, the People's Insurance is a system-wide implementation of the "security vehicle insurance benefits", in order to seek In a high proportion of auto insurance business profits.
In the first half of this year, PICC Property Insurance's auto insurance premium income accounted for the overall premium income of 76.1 percent.
PICC Property Insurance from the internal sources said, "Paul-effective auto insurance works," is to enhance the underwriting, claims the quality and improve profitability at its core, auto insurance through innovative management models, strengthen risk control of the core, the realization of Insurance Main "effective coverage" of the goal to make auto insurance payment rate to improve.
To this end, the People's Insurance from the Insurance underwriting, will be damaged, the damage to the nuclear insurance recovery, anti-plugging sparse, to reduce the cost of auto insurance coverage and compensation expenses.
Prior to this, PICC P %26amp; C management has said will strengthen the product line in the second half of the building, strict claims management, cost control, efforts to improve the return on investment, ease the catastrophe brought about adverse effects.
PICC Property Insurance head of a branch that is key to efforts to reduce auto insurance benefits paid auto insurance rates, improve the profitability of auto insurance, in particular, grasp the key link in control, all-round control of the heart risks, "we have ' To contain over-paid, lower case all claims, Pei An outstanding control 'as the goal in the last few months. "
However, to reduce the level of compensation is not an easy task.
At present, the vast majority of the nationwide auto insurance payments are in control of 4S shop and repair shop in the hands of exaggerating the extent of the loss, over-payment of the phenomenon can be found everywhere.
"4S and the repair shop to repair shop as part of its major revenue source of income, insurance companies can be said to be in their indirect support." Insurance Company of a senior sigh.
To this end, the People's Insurance Insurance launched long-range damage will be to increase the vehicle set loss and the loss of nuclear control efforts.
"At the same time, increase the rate of the first survey the scene, make the best of the cause of the accident and loss of focus on doing a good job of suspicious incidents, and a series of heavy losses Chuxian vehicles in the first survey the scene." PICC P %26amp; C claims a Department said.
In addition, the People's Insurance Insurance survey, scheduled to damage the work the quantity, quality and have begun to link pay, "is scheduled vehicles damaged parts of the staff working hours and prices strictly set the amount of damage to decline 5-10 percent, squeeze as much as possible Water pressure to reduce the set unreasonable. "PICC P %26amp; C-branch official said.
Set loss of staff rotation and cross-set loss to the introduction of a mechanism by People's Insurance Insurance auto insurance claims, sent down to the center found, 4S set point loss, as was a bi-monthly rotation in order to stop the car Insurance will be a common occurrence in the loss of moral hazard.
Prior to this almost neglected the insurance recovery and salvage materials handling vehicle insurance are also listed as one of the means of effective security. People's Insurance Tianjin branch of a source, "and strive to achieve recovery of 6,700,000 yuan by the end of the target."
Insurance recovery, means the insurance company to advance the party responsible for the accident insurance should be part of the compensation, followed by insurance companies that have the responsibility for the recovery of the right side.
At the same time, the branch to strengthen the salvage materials recovery and processing, is planning to set up salvage materials processing center, issued a recovery plan, to strive to end the residual value of the income of 80-100 million.
Insurance division of a company official said, to strengthen the recovery and salvage materials handling may be able to bring big gains, but given the amount of damage the development of specific targets easily lead to the deduction of compensation suspect, "although the damage is already over-scheduled general Exist, but must be compressed to ensure that water belongs to the unreasonable part. "
Cut the wind industry
In addition to the People's Insurance Insurance and other insurance companies are also looking for link-effective vehicle insurance claims.
A land of insurance insiders revealed that the company has just completed the national branch of the quality of claims at examination of more than 120,000 pieces of auto insurance Peian, discovered more than 200 different cases, to reduce the unreasonable amount of compensation more than 1,000,000 yuan .
"This year, with external public security departments, such as traffic police, identified the driver tampering, drunken driving, deliberately making a false case of bullying, such as pay compensation to deceive, a total of more than 500 Peian false exclusions, a decrease of more than 1300 million payment Costs. "Land of the above-mentioned insurance claim.
PICC P %26amp; C will be sooner, the number of Chuxian, the higher the rate of payment, compensation suspected of cheating customers and include them in black, gray list.
In addition, see a single charge being pushed wide.
Information from the China Insurance Regulatory Commission show that in January 2008 following the Beijing began to implement a comprehensive "see a single fee", Sichuan, Liaoning, Henan Province, and Dalian Baojian Ju also lead to "see a single fee", Shandong, Gansu Province and other places this year is expected to achieve the province's auto insurance business, "see a single charge."
Beijing Bao Jianju a person, "see a single charge" is the key to all market operators to implement all the main, all forms of payment, and business sources must be included in the framework of the system, all business must be realized by the automatic control system, To avoid the risk of man-made operation.
Beijing Bao Jianju statistics show that in 2008 January-July, the Beijing auto insurance premium income 2,154,000,000 yuan, of which credit card to pay the premium 1,889,000,000 yuan in order to transfer a check to pay for the premiums 265,000,000 yuan, 2008 Since not have a new auto insurance premium receivable.
However, the number of branches Insurance Company, the Company's implementation of the policy will inevitably be reduced.
Bao Jianju from Fujian, the sources said, as a result of vehicle insurance, "see a single charge" before the People's Insurance Insurance will be part of the motor car business channels such as virtual channels linked to the professional agent in order to circumvent the control of head and deputy trade channels should be The relevant provisions of the premiums received, resulting in the company's professional agents higher than the number of premium channels in all the province of professional insurance agents agency as a whole amounted to several times.
Sub-channels of business, "linked to virtual" is becoming the focus of the supervision of Fujian Baojian Ju.
Insurance Fujian branch of a company sources, PICC Property Insurance be taken in addition to the above-mentioned means, "virtual linked to" professionalism may be the agents, and agents and direct sales industry, business agent of individuals linked to virtual channels to obtain the cash used to pay And the cost of the return of the market; or hung in direct sales business and industry deputy channels, to cover the fee.
Shenzhen Bao Jianju Insurance is now the market for non-payment of fees to take measures to regulate the issue.
A council source said, according to the new requirements, payment of fees is limited to have legal qualifications and personal insurance intermediary insurance agent may not be as marketing costs to employees, including the payment of others; fees can only be Insurance agency or insurance salesmen on his behalf for the insurance business under the pay may not be in the company's direct sales business to pay under.
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