核保专业化管理亟待加强

人身险核保是人身险中专业性很强、技术性很高、操作较复杂的一道保险工作流程。目前在人身险核保工作中存在不少问题，如主、附险合同的如实告知义务问题，核保员的素质问题，核保决定的评鉴问题，核保责任的追究问题等。为此，必须加强保险诚信建设，完善核保专业化管理，加快核保专业化管理体制创新。

Underwriting is a highly specialized, technical and complicated process of work in life insurance business. At the moment, there are various problems existing in life insurance underwriting, for example, the issue of personal statement of the primary plan and rider, professional level of underwriters, assessment of important underwriting decisions and investigation of underwriting responsibility, and so on. We should strengthen credibility buildup for underwriting, improve specialization of underwriting management and speed up innovation of the specialized management mechanism for underwriting.