由于传统理赔模式流水作业 ,监督工作滞后 ,赔款难、理赔不公等现象成为保险业长期难以克服的顽症。而新的理赔模式则可有效阻止上述行为的发生 ,理赔委员会是新模式的组织形式 ,合议制是新模式的工作方式 ,公开听证是新模式的有效补充 ,回避制度是新模式的有力保障 ,实行合议制模式对理赔工作实行集体领导 ,民主决策 ,建立完整的监控体系 ,实施广泛的监督 ,可以构建“理赔高速公路” ,实施“理赔阳光工程 Due to the traditional settlement pattern of water-based operations, supervision lag, indemnities, unfair claims and other phenomena become the long-term insurmountable chronic disease. The new claims mode can effectively prevent the above behavior from occurring. The claims committee is the organizational form of the new mode. The collegial system is the working mode of the new mode. Public hearing is an effective complement to the new mode. The avoidance system is a strong guarantee for the new mode, The implementation of a collegiate system of compensation claims for the work of collective leadership, democratic decision-making, the establishment of a complete monitoring system, the implementation of a wide range of supervision, you can build “claims highway”, the implementation of "claims sunshine project