随着市场经济的日益发展,我国保险业生机勃勃,以前所未有的姿态,迅速发展,保险服务领域不断拓宽,开办的险种不断增多,形成保险赔案档案也越来越多。面对各险种成千上万的保险赔案,如何进行科学管理,有效利用,这是一个在实践中不断研究探讨的新课题。一、保险赔案档案及特点保险赔案档案,是指在保险经营活动中,被保险人(投保人或受益人)所投保的标的因发生保险责任范围内的灾害和事故遭受损失(或人身伤害)后,保险人(即保险公司》根据保险合同的规定进行凋查、核损、直至给予经济赔偿(或给付)的全部工作过程中形 With the development of market economy, the insurance industry in our country is full of vigor and vitality. With its unprecedented stance, it has been developing rapidly. The field of insurance services has been continuously broadened. The number of insurance companies started to increase continuously. More and more insurance claim files have been formed. Faced with thousands of insurance claims in all kinds of insurance, how to carry out scientific management and make effective use of them is a new topic that is constantly being explored in practice. First, the insurance claims files and characteristics of insurance claims files, refers to the insurance business activities, the insured (the insured or beneficiary) the subject of the insured due to the occurrence of insurance coverage of the disaster and accident losses (or personal Injury), the insurer (ie, insurance companies "in accordance with the provisions of the insurance contract witnesses, nuclear damage, until the financial compensation (or pay) of all the work in progress