团体险的基本概念(28页)ppt.rar
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Group Insurance Basic Concepts 团体险的基本概念 Course objectives (课程目标 ) To provide staff with
basic understanding of group insurance concept. To
find out which topics are interested by ourselves.
Course content (课程內容) Policy Life cycle High-level
operation flow Operation Department and process
Group Insurance Basic Concepts (团体险的基本概念)
Policy Life Cycle (保单生命周期流程图)
Marketing
Operation
核保定义:核保是一项审核程序。核保人员会对每份投保申请所要承担的风险作出评估。 经过这个程序:可甄别出可受保的要保人和不可受保的要保人决定可受保的要保人的保费标准
Underwriting (核保)
Level of underwriting Group Level Group Size Valid
Group Group Feature Member Level
Underwriting
Group Member Underwriting Checking against NEL Verify
medical requirements (based on excess or full amount)
Aggregate checked against AIDS limit and auto-reinsurance
limit Letters to individual members requesting medical
requirement are printed automatically at day-end or on demand.
Underwriting
Group Member Underwriting Letters are generated
automatically at day-end based on underwriting
decision Status : Pending, Below NEL, Approved,
Rated-Up Pending, Rated-Up, Declined, Limited
Underwriting
Policy Information Basic information on the policy,
details of products, benefit plans, commission,
premium rates, coverage necessary for subsequent
administration procedures Anniversary date, renewal
status, document names, number of days for renewal,
sales representative, initial effective date, policy holder