在保险公司的日常工作中 ,经常会遇到客户由于某些原因无法提供医疗费原始凭证 ,导致保险公司无法进行理赔 ,从而产生一系列纠纷。既伤害了客户的感情 ,又损害了保险公司的声誉。本文采用以案说法的形式 ,对这一棘手问题进行了剖析 ,并为保险同业处理此类问题提供了指导性判例。最后 ,揭示了本案带来的启示 ,并以一个生动的实例强调了卓越的服务才是保险公司在竞争中立于不败之地的法宝 In the daily work of insurance companies, often encounter customers for some reason can not provide original medical expenses, resulting in insurance companies can not make claims, resulting in a series of disputes. Both hurt the feelings of customers, but also undermined the reputation of insurance companies. This article uses the form of case theory to analyze this thorny issue and provide guidance for the insurance industry to deal with such issues. Finally, it reveals the enlightenment brought by this case and emphasizes excellent service with a vivid example, which is the magic weapon for insurance companies to remain invincible in the competition