一年期健康险理赔后的续期核保是保险公司风险管控的必要措施 ,但是 ,如何有效控制风险和保障客户的利益已成为越来越突出的矛盾。解决一年期健康险理赔后的续期核保问题的对策是 :加大对健康险的宣传力度 ,充分展现其在人民群众生活中取得的积极的社会效益 ,正确引导客户对健康险的认识 ,使客户真正感受到健康保险就在身边 ;加强对核保人员的职业道德教育 ,树立一切为客户着想的思想 ;健康险的特点要求核保人对所发生的疾病及预后有一个比较全面的认识 ;加强并完善对核保人员的培训、考核制度 ;建立核保案例讨论制度 ,定期对已经核保的案例做回顾性讨论 ;加强核保人员与理赔人员的沟通 The one-year health insurance claims renewal underwriting is a necessary measure for risk control of insurance companies. However, how to effectively control risks and protect the interests of customers has become an increasingly prominent contradiction. The solution to the issue of renewal of underwriting for one year after claims for health insurance is to intensify the promotion of health insurance and fully demonstrate the positive social benefits it has gained in people’s lives and correctly guide customers in their understanding of health insurance , So that customers really feel health insurance on their side; strengthen the protection of professional staff of the insured staff morality, establish all for the sake of customers thinking; the characteristics of health insurance requires the underwriter for the occurrence of the disease and prognosis have a more comprehensive To strengthen and perfect the training and examination system for underwriting staff; To establish a system of discussing the underwriting of nuclear underwriting; To conduct a retrospective discussion on the cases that have been insured on a regular basis; To enhance the communication between underwriting staff and claims adjusters