一直以来,许多学者和保险业内人士都将理赔效率作为中国保险业长期发展的重中之重。他们的论据是,日常生活中的多数商品,从购买后开始使用,产品的价值就逐步体现;而保险产品购买的是对未来的保障,风险发生时的理赔环节才是保险价值的核心体现。因此,能否得到应有的理赔以及理赔服务的质量,是保险公司对客户服务的终结价值。 All along, many scholars and insurance professionals regard the efficiency of claims as the most important part of the long-term development of China’s insurance industry. Their argument is that most commodities in daily life are used from the moment of purchase, and the value of the product gradually manifests. Insurance products are the guarantee for the future, and the core part of the insurance value when the risk occurs is the claim. Therefore, the availability of due claims and the quality of claims management services are the end value of insurance services to customers.