香港保险业诚信理赔的经验及启示

香港地区保险业由于起步早，已经形成了一套严密的诚信体系及理赔做法。他们对理赔的辨证认识、管理模式、服务，对“通融赔款”权的使用考虑、公估人制度以及成立保险索偿投诉局等多个方面都值得我们学习和借鉴。

The Hong Kong insurance society, owing to its early start, has formed a whole set of strict credibility and claims payment practices. Many of their practices are worth our attention and careful study such as their perception to claims settlement, management model, services and their application of “ex gratia payment”, their adjusters system and the establishment of insurance Claims Complaint Bureau.