The Coping Strategy Analysis Of Personal Accident Insurance

Since the reform and opening up, along with the vigorous development of the market economy in our country, the people's material life has been an obvious improvement; the income level also had significant improvement. In recent years, the personal accident insurance market which is close to the common people life also has changed significantly. Different careers, all kinds of personal accident insurance of insurance amount increased year by year. Especially New industrial injury insurance regulations were promulgated and implemented in 2011, accelerating the personal accident insurance amount. In the face of such market situation, each insurance company took positive measures in personal insurance risk control aspects. But compare to the foreign insurance company in developed countries, the development time of Chinese insurance company is short, the lack of a scientific and reasonable risk control strategies, this also is the common focus by present academic circles and insurance industry.The thesis theoretically expounds insurance amount of personal accident insurance increase, the coping strategy change of risk control is necessity and importance, inwardly strengthening the risk control of personal accident insurance, understanding the change laws and features of risk control after personal accident insurance amount change. Base on present personal accident insurance market current situation and existing problems in our country, the thesis analyze risk control strategy from angle of underwriting, discuss the effect of new industrial injury insurance regulations and new insurance law and policies on the business development of personal accident insurance, and take example of foreign personal insurance risk control experience, and actively explore suitable risk control mode for China's national conditions. Take the Pacific insurance for example, according to its data statistics in recent years, underwriting experience and questionnaire, the thesis analyze the risk control strategies and measures of personal accident insurance taken in practice.This thesis is divided into six parts. The first chapter is the introduction which states the present situation of personal accident insurance amount, the background of risk control, the significance and the domestic and foreign research review; The second chapter presents the major theory of personal accident insurance risk controls and underwriting, including definition, purpose, significance and the research methods; The third chapter analyzed the current situation and existing problems of personal accident insurance risk control in China; The fourth chapter is the analysis of domestic and foreign personal insurance risk control, take example by the advanced risk control experience in America, New Zealand, Japan and other countries, taking China Pacific insurance company as an example, analyze the coping strategy of risk control; Chapter 5 analyze the effect of Pacific insurance personal insurance on risk control; Chapter 6 is conclusions and suggestions.This thesis in the sight of underwriting analyze risk control coping strategies after increasing of personal accident insurance amount, and closely combining the actual situation of the current market, solving the new existing problems. This thesis combines theory with practice, deeply analyze the risk control of personal accident insurance.