聘请经过董事会认证的专家是否会改善您公司不利的承销业绩?
Journal of insurance medicine (New York, N.Y.)
|September 16, 2025
概括
聘请临床专家可能无法解决生命承保问题. 内部缺陷,而不是外部招聘,往往是预期寿命估计和利能力差的根本原因.
科学领域:
- 保险 医疗 保险 医疗
- 风险管理 风险管理
背景情况:
- 承保部门经常寻求临床专家来改善生命承保结果.
- 有人认为,经过董事会认证的专家可以提高预期估计和利能力.
研究的目的:
- 评估聘请临床专家在生命承销方面的有效性.
- 为了确定不利的承保预期的根本原因.
主要方法:
- 分析外部专家招聘对承销业绩的影响.
- 识别导致不良业绩的内部承保实践.
主要成果:
- 聘请临床专家并不是保证承保问题的解决方案.
- 专家可能缺乏在保险医学和风险选择方面的关键经验.
- 内部承保缺陷往往是主要问题.
结论:
- 解决内部承保实践对于改善生命承保至关重要.
- 在不解决内部问题的情况下过度依赖外部专家可能是无效的.
- 内部缺陷,而不是缺乏临床专业知识,往往导致承保结果差.
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