【观点】移动互联网真的会保险理赔这个行业消失吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/17MiccsGRV0D2LfqIJGaG0SdOrQ3Ebl0BZmSDrMLia8x0UgcCzQDzkNrSuo7FfOQUkMbYHVvNYDtbv4YicqvaQl6w/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0ZVaQtQ7OCIMIf8Mic3HHX9iazpOxxsWhiaEnI3YR0yMUODczXFE7fxSjdQeOLtyiatichyNiaZHZyfWhQ/0?wx_fmt=gif&tp=webp&wxfrom=5&wx_lazy=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">A6工作室：</span></strong></span><span style="color: black;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">fanbaoxianqizha</span></strong></span><span style="color: black;"><span style="color: black;">咱们</span><span style="color: black;">每日</span>为您奉上<span style="color: black;">鲜嫩</span>的保险理赔<span style="color: black;">新闻</span>，探讨理赔<span style="color: black;">专题</span>，为保险理赔服务。点击题目下文字<span style="color: black;">A6<span style="color: black;">工作室</span></span><span style="color: black;">就可</span>关注。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/17MiccsGRV0D2LfqIJGaG0SdOrQ3Ebl0BZmSDrMLia8x0UgcCzQDzkNrSuo7FfOQUkMbYHVvNYDtbv4YicqvaQl6w/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 都说移动互联网正在颠覆<span style="color: black;">各样</span>传统行业，<span style="color: black;">此刻</span>这把火<span style="color: black;">已然</span>烧了保险行业，<span style="color: black;">做为</span>保险行业其中一个细分<span style="color: black;">行业</span>——理赔行业，<span style="color: black;">亦</span>会被<span style="color: black;">一块</span>颠覆吗？理赔这个行业会消失吗？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> <span style="color: black;">【要不要触及这个<span style="color: black;">专题</span>，我<span style="color: black;">亦</span>是挺纠结的，担心被骂“妖言惑众”、“动摇军心”。<span style="color: black;">然则</span>，趋势这个东西是不可能<span style="color: black;">由于</span><span style="color: black;">大众</span>集体闭嘴<span style="color: black;">便是</span>停滞不前的，思考<span style="color: black;">将来</span>，有了<span style="color: black;">危险</span>感，<span style="color: black;">才可</span>激发<span style="color: black;">大众</span>更好的<span style="color: black;">奋斗</span>工作，我是<span style="color: black;">这般</span>认为的，】</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">移动互联网的普及，为理赔服务<span style="color: black;">供给</span>了<span style="color: black;">更加多</span>的可选途径，保险<span style="color: black;">机构</span>与用户的沟通<span style="color: black;">途径</span>更加丰富。从过去的玩噱头，博眼球，到现在理赔全流程参与，移动互联网技术在理赔工作中的<span style="color: black;">要紧</span>性逐步显现。移动互联+保险理赔正在<span style="color: black;">逐步</span>改变传统保险理赔服务模式。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 让<span style="color: black;">咱们</span>先<span style="color: black;">瞧瞧</span>传统理赔模式下，客户<span style="color: black;">那些</span>抱怨<span style="color: black;">无</span><span style="color: black;">处理</span>：</p>◐︵◑现场等待时间太长啦◐︵◑往返定损点太远啦◐︵◑还要去保险<span style="color: black;">机构</span>网点送单证太麻烦了◐︵◑修车什么进度不<span style="color: black;">晓得</span>，着急用车呀◐︵◑你们定损价格够<span style="color: black;">不足</span>呀◐︵◑这个理赔小哥服务真好，但我<span style="color: black;">亦</span>不想送锦旗这么麻烦◐︵◑这个理赔员上次服务真差，这次怎么又是他，冤家路窄？◐︵◑你们<span style="color: black;">举荐</span>的汽修厂<span style="color: black;">可靠</span>吗？你们真的<span style="color: black;">无</span>联手坑我？<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 全国十几万的保险<span style="color: black;">机构</span>理赔人，兢兢业业做了十几年的理赔，依然<span style="color: black;">处理</span>不了<strong style="color: blue;"><span style="color: black;">“理赔难”</span></strong>这三个字。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0unDdUWZ7cARRD1k5XkGOo2iaVvLXUezybibdyuHuWoJYOfDMMClg4CCNPbReg3SJmH0mYVHQ6CI5w/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 怎么破解？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 移动互联网能<span style="color: black;">不可</span>破解？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">来，<span style="color: black;">咱们</span><span style="color: black;">一块</span><span style="color: black;">瞧瞧</span>，就在这两年，传统理赔<span style="color: black;">显现</span><span style="color: black;">那些</span>新的变化</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">APP\<span style="color: black;">微X</span>端的自助理赔</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">经过</span>APP\<span style="color: black;">微X</span>端，<span style="color: black;">能够</span>是实现客户现场<span style="color: black;">指点</span>、现场自助理赔、线上自助单证上传，这就<span style="color: black;">处理</span>了部分客户“嫌麻烦、不愿等待”的痛点。 理赔人<span style="color: black;">亦</span><span style="color: black;">不消</span>往返<span style="color: black;">奔走</span>，单位时间内的服务效率大大<span style="color: black;">提高</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0unDdUWZ7cARRD1k5XkGOoZT8kAFsn51k9r38cpxoIbpkEQgwlE3HQuuunTcXXXs2RG7MLTic3eZg/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">理赔员、汽修厂可视化位置定位，让客户<span style="color: black;">安心</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">针对</span>自助理赔<span style="color: black;">没</span>法解决的问题，还是<span style="color: black;">必须</span>保险<span style="color: black;">机构</span>理赔员到现场。在过去，查勘员和现场等待客户的连接<span style="color: black;">仅有</span><span style="color: black;">tel</span>，这都<span style="color: black;">持续</span>的催，那边一边开车一边接<span style="color: black;">tel</span>，速度<span style="color: black;">无</span><span style="color: black;">提高</span>，危险却大大<span style="color: black;">增多</span>。<span style="color: black;">此刻</span><span style="color: black;">非常多</span>保险<span style="color: black;">机构</span><span style="color: black;">能够</span>实现滴滴模式的双方位置实时共享。查勘员找客户更加容易，客户<span style="color: black;">亦</span>清楚<span style="color: black;">晓得</span>理赔员的位置所在，做到心中有数。理赔员处理完现场之后，引导客户去定损点，只<span style="color: black;">必须</span>在移动终端将合作汽修厂的位置发送给客户<span style="color: black;">就可</span>，<span style="color: black;">不消</span>一遍一遍解释“在什么路上，你先过桥，看到一个大烟囱，左拐，第二的<span style="color: black;">前门</span>……”。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW2DLKXJqoCUenz0eAfWSmictRHoNJ3cktBIWHKP3xPgQ49JARf2jap3BqZZiahLHxmMyJILkaJ3wM0w/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">可视化维修过程监控，修的安心</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">经过</span>在合作汽修厂<span style="color: black;">部署</span>视频直播设备，车主<span style="color: black;">能够</span>实时<span style="color: black;">查找</span>自己的车在汽修厂内的维修<span style="color: black;">发展</span>，<span style="color: black;">认识</span>维修和更换配件的工作流程，<span style="color: black;">处理</span>了车主对汽修厂的信任问题。<img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0unDdUWZ7cARRD1k5XkGOoNY13npUTgd521soWcvbTfrVDn3JSqOBvicCmBkYq0vy3zudYOibtuByQ/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"> 在线点评理赔服务和汽修厂</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">将<span style="color: black;">公众</span>点评的模式引入保险理赔环节，让车主在享受保险<span style="color: black;">机构</span>服务后，<span style="color: black;">能够</span><span style="color: black;">经过</span>手机，对理赔员的服务质量，和汽修厂的服务满意度进行量化打分。<span style="color: black;">经过</span><span style="color: black;">评估</span>体系的<span style="color: black;">创立</span>和数据沉积，优秀的保险理赔员和汽修厂将脱颖而出，<span style="color: black;">得到</span><span style="color: black;">更加多</span>奖励和收益，<span style="color: black;">由于</span><span style="color: black;">评估</span>体系的<span style="color: black;">创立</span>，将激发所有服务参与者的良性竞争。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW2DLKXJqoCUenz0eAfWSmict3ssgfuVe2RXiaoCz4qMw3Ho51CCb0E3aHbanGsBrQYCkIqwqkcSUibfA/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> <span style="color: black;">▁</span><span style="color: black;">▂</span><span style="color: black;">▃</span><span style="color: black;">▄</span></p><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0unDdUWZ7cARRD1k5XkGOo61mu5ZqIvKKLxyx1v2K3TI4UOnXR0kEyaj20htWThESzZSmYwZicRrg/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 以上描述的移动互联网打造的服务不是展望<span style="color: black;">将来</span>，这些场景<span style="color: black;">已然</span>变成现实。<span style="color: black;">然则</span>移动互联网对保险理赔的改变，远不止在这些细枝末节的完善，而是颠覆性的变革。 请<span style="color: black;">大众</span>跟随我<span style="color: black;">一块</span>，想象一下<span style="color: black;">这般</span>一个场景：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">满大街跑的滴滴快车，滴滴出租，都具备查勘现场、视频拍照上传的的能力，客户<span style="color: black;">出现</span>交通事故，保险<span style="color: black;">机构</span><span style="color: black;">再也不</span>派自己的理赔员到现场，而是叫一个<span style="color: black;">近期</span>的滴滴，原来30分钟可能到达的现场，<span style="color: black;">此刻</span>最多三分钟搞定……</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0unDdUWZ7cARRD1k5XkGOoIL9ZhQwx8kc1T7gYlEIkFr6OTZlZ4ibqRblUV2CRRibAWuTNaH5EkKicg/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">查勘环节是不是<span style="color: black;">能够</span>消失了</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">现场查勘完毕，客户直接把车开进汽修厂，基于保险<span style="color: black;">机构</span>和合作汽修厂的系统打通，数据共享，保险<span style="color: black;">机构</span>对车辆更换配件、<span style="color: black;">必须</span>工时了如指掌。车辆在维修的过程中，保险<span style="color: black;">机构</span>进入了针对<span style="color: black;">这次</span>事故的自动核损核赔环节，车辆维修完毕时，保险<span style="color: black;">机构</span><span style="color: black;">已然</span>完<span style="color: black;">成为了</span>与汽修厂的业务结算，车主只需开车走人<span style="color: black;">就可</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">定损环节是不是<span style="color: black;">能够</span>消失了</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 遇到人伤事故时，客户<span style="color: black;">能够</span>选与保险<span style="color: black;">机构</span>合作的医院进行治疗。保险<span style="color: black;">机构</span>将改变过去事后赔钱的角色，<span style="color: black;"><strong style="color: blue;">变“赔钱”为“赔服务”</strong></span>，不仅伤者住院的<span style="color: black;">各样</span>花费由保险<span style="color: black;">机构</span>和医院内部结算，保险<span style="color: black;">机构</span>还将联合专业第三方<span style="color: black;">供给</span>人伤护理服务，将伤者个人的花销降到最低。从<span style="color: black;">基本</span>上改变了保险<span style="color: black;">机构</span>和客户之间<span style="color: black;">由于</span><span style="color: black;">“剔除<span style="color: black;">医疗保险</span>药费”、“护理费超标”</span>等<span style="color: black;">各样</span>问题打架的问题。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">人伤环节是不是<span style="color: black;">能够</span>消失了</strong></span></p>“<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">博主</span>，你说的<span style="color: black;">亦</span>太可怕了吧？这<span style="color: black;">亦</span>消失了，那<span style="color: black;">亦</span>消失了，<span style="color: black;">咱们</span>辛辛苦苦几十年都白费了？<span style="color: black;">倘若</span><span style="color: black;">咱们</span>的岗位都消失了，保险<span style="color: black;">机构</span>理赔还剩下什么人呢？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">嗯，<span style="color: black;">博主</span>绝对不是散布什么“末日学说”，<span style="color: black;">亦</span>不是忽悠<span style="color: black;">大众</span>没心思工作了才高兴。当然，理赔行业消失，肯定是必然，就像石油工人<span style="color: black;">同样</span>，原油肯定有开采完那一天，石油行业随之消失。 <span style="color: black;">将来</span><span style="color: black;">没</span>人驾驶汽车的<span style="color: black;">显现</span>，用科技代替繁重的理赔人力，<span style="color: black;">亦</span>是<span style="color: black;">引起</span>理赔行业消失的<span style="color: black;">原因</span>。 只是距离消失那一天，还有五年……十年……二十年……<span style="color: black;">咱们</span>不<span style="color: black;">晓得</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">用科技提高保险理赔的效率，<span style="color: black;">提高</span>客户体验，是<span style="color: black;">日前</span><span style="color: black;">处理</span>“车险理赔难”的<span style="color: black;">要紧</span>途径。<span style="color: black;">然则</span>，<span style="color: black;">博主</span>信奉一句话<span style="color: black;">“世界上<span style="color: black;">无</span>两片完全<span style="color: black;">同样</span>的树叶”。<span style="color: black;"><span style="color: black;">一样</span>，世界上<span style="color: black;">亦</span>不存在两起一模<span style="color: black;">同样</span>的保险事故。每<span style="color: black;">一块</span>保险事故的<span style="color: black;">暗地里</span>，都有着一个不<span style="color: black;">同样</span>的故事。<span style="color: black;">因此</span>，在保险理赔<span style="color: black;">行业</span>，<span style="color: black;">设备</span>和科技只能从事机械性的重复劳动，绝对不可能完全代替人的<span style="color: black;">功效</span>。 有经验、有专业、有责任心的理赔人将会越发的受到各家保险<span style="color: black;">机构</span></span></span><span style="color: black;">追捧。<span style="color: black;">将来</span>的理赔工作将一个有尊严、有前途、高收入、受人尊敬的行业。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"><img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW2DLKXJqoCUenz0eAfWSmictiaSFu3H9gjqXJbLw9L882JJmUSEfXrAlloRvUdves8MmPNJNo7QKUxA/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;"> <strong style="color: blue;"> 问题在于，你能<span style="color: black;">不可</span>在<span style="color: black;">此刻</span>苦逼的工作中，<span style="color: black;">保持</span>到这一天的到来。</strong></span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;"> 问题在于，你能<span style="color: black;">不可</span>在这一天到来之前，让自己变得“值钱”起来。</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;"> 这个问题，只能靠自己回答。</span></span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">留作业</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">思考一个问题：<span style="color: black;">倘若</span>明天保险行业消失了，<span style="color: black;">咱们</span>这些理赔人除了理赔还能去干什么呢？<img src="http://mmbiz.qpic.cn/mmbiz/gSIDSdhgvW0W6tgUTvR0xJEkMc0SQkciaqBWNhv3YlDPSwRcXdl6FN42EIBCRycPN0KrEB1EfPiaTr3arsQQzLeg/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;">和<span style="color: black;">大众</span>聊聊。</span></p>
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