The Case Study on Life Insurance Claim - An Example of C Company

• Main Authors: Zhi Jie Ji, 紀智傑
• Other Authors: Wan Ling Chang
• Format: Others
• Language: zh-TW
• Published: 2014
• Online Access: http://ndltd.ncl.edu.tw/handle/ue46pn

碩士 === 朝陽科技大學 === 保險金融管理系 === 102 === With the implementation of Financial Consumer Protection Act （FCPA） and the establishment of Financial Ombudsman Institution （FOI）, the sound mechanism for handling consumer disputes has brought about the rise of consumer awareness and the need to face the disputes squarely. The way insurance companies can most concretely practice their promises to policyholders in accordance with the insurance policies is through claims. And the value of insurance is best manifested when claims are settled. Yet where there are claims, there will also be disputes. Therefore, the purposes of this study are: first, to discuss common types of claims disputes; secondly, to analyze related claims cases happened in C Case Company; thirdly, to analyze the insured incidents of Student Accident Insurance from C Case Company; and fourthly, to provide suggestions for claims settlement for C Case Company. From the case study with C Case Company, we discuss and increase practical experience of claims therewith, and hopefully it will serve as a reference for C Case Company’s future claims decisions. In practice, there are no consistent results for the same type of claims disputes. And the truth is, the more probative value is provided, the easier the outcome of the claims is influenced. Therefore, we suggest to investigate why claims disputes of the same type were finalized with different claims outcomes. The possible causes of the incidents can be further analyzed in terms of road sessions, regions, and time etc. We hope relevant suggestions can be provided to reduce the increase of loss rate. It is even better to select disputes cases in litigation, the incidents will be totally genuine and comprehensive.