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高危行业由于事故发生频繁 ,造成财产、人身损失较大 ,保险赔付率畸高 ,逐渐被一些保险公司拒之门外。这样做不仅影响了高危行业的发展 ,同时也影响了保险功能的正常发挥。如何加强高危行业保险的承保管理 ,是摆在保险从业人员面前的一大课题。承保管理高危行业意外保险 ,应从以下几方面入手 :一是保险条款设计应有针对性 ;二是加强核保工作 ;三是加强专业化管理 ,获取良好的经济效益 ;加强市场监督 ,避免恶性竞争。
High-risk industries due to frequent accidents, resulting in property, personal loss larger, high insurance claims rate, gradually being rejected by some insurance companies. This will not only affect the development of high-risk industries, but also affect the normal functioning of insurance. How to strengthen underwriting insurance for high-risk industries is a major issue for insurance practitioners. Underwriting accident insurance in high-risk industries, should start from the following aspects: First, insurance terms should be targeted; second, to strengthen nuclear protection work; third is to strengthen professional management, access to good economic benefits; strengthen market supervision and avoid vicious competition .