铁路保价运输理赔工作现状及对策

Current Status and Countermeasures for Railway Value-insured Transport and Claim Settlement

从理赔时效性、一线事故处理人员素质、货主提赔率、保价赔付率方面,分析铁路保价运输理赔工作现状,针对赔偿处理工作中存在法律规章不一致、事故处理有关规定不够明确、保价费率灵活性不够、保价政策宣传不到位的问题,提出改善理赔工作的对策措施:明确理赔规定,便于现场操作;建立全路理赔网络,方便受理;提高保价费率灵活性,吸引货主足额投保;拓展保价代办业务,培养保价营销宣传队伍,以促进铁路保价运输业不断发展。

Current status of railway value-insured transport and claim is analyzed from the aspect of claim settlement efficiency, quality of personnel dealing with accident, claim ratio, etc. Targeting a series of problems existing in claim settlement such as inconsistent insurance policies, ambiguous regulations for accident handling, inflexible insurance rate and unpopularized insurance policy, countermeasures are proposed, such as clarify the claim policies, establish railway claim network, improve flexibility of insurance rate and enhance insurance professionals.