保险实训报告书精编4篇

参考资料，不熬夜1/44保险实训报告书精编4篇【预览】此例优秀文档“保险实训报告书精编4篇”是由三一刀客网友为您分享整理的，供您参考学习之用，希望对您有所帮助，喜欢就下载支持吧！保险实训报告书篇1实习的每一天是繁忙而又充实的，每天的劳顿换来工作上的一点点起色和认可是值得的。实习期间我主要跟随寿险部的齐总拓展企业补充医疗保险业务，每天的工作内容有电话约见，客户拜访，合同谈判，还有后期的企业年金的产品宣导。每一项工作都让我学到了新的知识，开拓了我的视野，让我在全新的感受中不断收获进步的喜悦。我从实习的每一个阶段来谈我的感受，希望我的这篇商业保险行业实习报告可以作为参考范例。天和是于20xx年成立的保险经纪机构，公司董事长和产寿险部总经理都是保险营销精英出身，目前在上海有一家分公司。产险方面以与中石化合作为基础不断拓展新业务，寿险以企业补充医疗保险为主逐步推广企业年金，客户有北京市卷烟厂等一些大型企业。公司规模不大，人事结构简单，内勤人员每个人既负责承保也负责客服，各自按客户划分工作范围和职责。秘书，出纳，人事由助理一肩挑。外勤人员负责业务联系，参考资料，不熬夜2/44底薪加提成，激励机制简单易行。我选择天和实习，因为它小而员工分工不细，我可以在两个半月的时间里接触参与到每一个工作环节而不会因为是实习生受到排斥。承保，客服也好，外勤业务洽谈也好，都需要了解险种和合同条款。所以我首先是学习企业补充医疗保险的合同条款。通过一段时间的学习，我感觉各个公司的合同条款相差无几，都是直接在基本医疗保险的基础上确定费用保险项目和费用保险层次，只是需要被保险共同分担的部分可以通过企业补充医疗保险让保险人分摊一部分，这样能够再次降低被保险人的费用负担。比如说，保险公司可报销的药品和诊疗项目完全与基本医疗一致，都是以《北京市基本医疗保险和工伤保险药品目录》为准(详情可参考具体合同)。保险人只需根据客户想要报销的比例来厘算费率。所以产品差异化不明显，那么保险公司或中介机构只能靠客户关系和售后服务取胜。在熟悉了险种和合同条款之后，接下来我的实习工作就是承保与客服。因为企业补充医疗保险是团体险，而且参加了基本医疗的在职和退休职工都能参与(有些将被保险扩展到职工子女)，所以没有核保，没有体检，保险经纪公司需要做的就是统计被保险人的性别，年龄和人数，根据企业保障程度需要和保险公司协商起草保险合同条款。协商合同内容是一项艰巨的任务，作为经纪公司代表客户，在合同里应尽量考虑到客户利益，尽量争取更有利的承保条件，所以必须字斟句酌。比如参考资料，不熬夜3/44说新增被保险人的条件，离职被保险人的退费，索赔的期限，保险责任，除外责任等项目。事实证明，每一条每一款双方都要沟通许多个来回，最终达成一致意见需要一段时间的磨合。而我们在磨合中逐渐熟悉了专业术语，学会了思虑周全。当然工作往往是交叉的和相互渗透的，在和保险公司就新的协议进行协商的同时，客服是不断穿插其中的。尽管企业补充医疗保险费用报销即理赔是定期进行的，但由于理赔过程中会碰到许多争议和被保险人困惑的地方，所以经常需要中介机构与双方进行沟通。我的实习周记里就提到过一个典型的案例，被保险人和保险人双方就某一种药品是否属于报销范围意见不一致，而且双方都收集了相关资料来证明自己的意见是有理有据的。结果我们通过多方咨询和查找政策规定，最后才给了客户满意的答复。企业补充医疗保险的保险期限是一年(类同于财产保险)，客户稍有不满意转而投向其他公司的这种现象是很正常的。这些事例让我明白，实际工作要求我们不仅熟悉合同条款这些看得见的东西，还必须随时了解与产品相关的政策与规定，比如说随时把握可报销药品目录的变动情况，基本医疗保险的相关政策调整情况以及医疗改革试点的相关规定等等。逐渐熟悉了承保，客服的工作职责和范畴之后，我就开始企盼做一些更具有挑战性的工作——电话约见与客户拜访。表达了个人意向之后，齐总非常赞赏我的勇气和自我挑战精神，参考资料，不熬夜4/44他鼓励我并且给了我一些建议。平素给学生上课一直停留在讲理论的层面上，真正自己去身体力行还是新媳妇坐轿——头一回。刚开始问题多多：打电话之前把许多情形都想到了，可是电话一拨通，忘词了，比头一次上讲台还紧张;电话通了，人家一听保险经纪公司，啪，挂掉了;找到人力资源处的人，也了解到客户正在办理企业补充医疗保险，别人说竞争企业太多，筛选都选不过来，等明年吧，不知道如何应对了。事后发现自己有几个方面做得不到位：一是对合同条款还是不熟悉，所以有点心虚，才会忘词;二是不懂得迂回曲折，保险两个字人家忌讳，咱可以尽量不提，只提客户感兴趣的医疗费用报销的事;三是企业竞争太多，选都选不过来，我们何不直接告诉它，漏掉了这个可能就错过了最好的。通过不断自我反省和齐总建议，现在基本能够实现突破重重阻碍获得人力资源处管理人员的联系方式，企业基本情况，有没有办理企业补充医疗保险，是否有意向等等一些基本信保险实训报告书篇2������������ù£ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½òµï¿½ï¿½ð¹ï¿½ï¿½ï¿½ï¿½ù±ï¿½ï¿½õ¹é·ï¿½ï¿½ï¿½ï¿½þ¹参考资料，不熬夜5/44�ë¾xxö§ï¿½ï¿½ë¾ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½îªï¿½ï¿½40���êµï°ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ò»ï¿½ï¿½ï¿½ï¿½ï¿½âµï¿½êµï°ï¿½ï¿½ï¿½ï¿½ñ§ï¿½ï¿½ï¿½ëºü¶ï¿½ï¿½ú¿ï¿½ï¿½ï¿½ï¿½ïºï¿½ï¿½é±¾ï¿½ï¸ï¿½ï¿½ï¿½ï¿½ï¿½ñ§ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½öªê¶ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ç³ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½xx������ú¼ä£¬ï¿½ï¿½ñ§ôºòªï¿½ï¿½ï¿½ï¿½ð£ñ§ï¿½ï¿½ï¿½î¼ï¿½ï¿½ï¿½ï¿½êµï¿½ï¿½ï¿½î¶¯ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ã´ï¿½ñ§ï¿½ï¿½ï¿½ï¿½ò»ï¿½ï¿½ï¿½ë½ï¿½ï¿½ï¿½ï¿½ï¿½ñ§ï°ï¿½ï¿½ï¿½á£¬ï¿½ó´ï¿½êµï¿½ê£ï¿½ï¿½ë½ï¿½ï¿½ï¿½á¡£ï¿½ï¿½ç¿ï¿½í¶ï¿½ï¿½ûµï¿½ï¿½ï¿½ï参考资料，不熬夜6/44¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½òµï¿½ä¡ï¿½ï¿½ï¿½ï¿½î¸ð£ï¿½ï¿½ï¿½ï¿½ü¹ï¿½ï¿½û²ì¾­ï¿½ã»î¶¯ï¿½ï¿½ê¶ï¿½ï¿½í·ï¿½ï¿½ï¿½ï¿½ï¿½á¾­ï¿½ï¿½ï¿½ï¿½ï¿½â£¬ï¿½ï¿½ï¿½ï¿½êµï¿½êµï¿½ï¿½ï¿½ï¿½ï¿½ñ§ï¿½ï¿½ï¿½ï¿½×¨òµöªê¶ï¿½ï¿½ò²ï£ï¿½ï¿½ï¿½ü´ï¿½ï¿½ï¿½ò»ð©ï¿½ï¿½ê¾ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½êµï¿½ê¹ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½×¨òµï¿½ï¿½ï¿½ü¡ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ëµ½ï¿½ï¿½á¾­ï¿½ãµï¿½î»ï¿½ï¿½ï¿½ú²ï¿½;���ç²ï¿½ï¿½ï¿½ï¿½ô£ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ô²î¼óµï¿½ï¿½ï¿½ï¿½ð¾ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½xx��7ï参考资料，不熬夜7/44¿½ï¿½16�õ¡ï¿½xx��8��27��������xxxê¡xxx���ð¹ï¿½ï¿½ï¿½ï¿½ù±ï¿½ï¿½õ¹ï¿½ë¾ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½×¨òµï¿½ï¿½î§ï¿½úµä¹ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½õ·ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ë¾ï¿½ð¹ï¿½ï¿½ï¿½ï¿½ù±ï¿½ï¿½õ¹é·ï¿½ï¿½ï¿½ï¿½þ¹ï¿½ë¾xxx�ö¹ï¿½ë¾ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ð¹ï¿½ï¿½ï¿½ï¿½ù±ï¿½ï¿½õ¹é·ï¿½ï¿½ï¿½ï¿½þ¹ï¿½ë¾ï¿½ï¿½ï¿½ï¿½xxx�����ð³ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½×¨òµï¿½ï¿½ë¾ï¿½ï¿½ï¿½ï¿½ë¾óµï¿½ï¿½ô±ï¿½ï¿½3000参考资料，不熬夜8/44���ë£ï¿½ï¿½ï¿½ï¿½ï¿½10����óªï¿½ï¿½î»ï¿½ï¿½ï¿½ï¿½ï½ï¿½ï¿½ï¿½ï¿½50������������鲼���硣20xxx�깫ë¾êµï¿½ö±ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ôªï¿½ï¿½õ¼xxx���������ð³ï¿½70%���ï¡ï¿½ï¿½ü³ð±ï¿½ï¿½ï¿½ï¿½920��ôªï¿½ï¿½ï¿½ï¿½îª1072���ë´ï¿½ï¿½á¹©ï¿½ï¿½ï¿½õ±ï¿½ï¿½ï£ï¿½ï¿½û¼æ¸ï¿½ï¿½ï¿½ï¿½ï¿½ôªï¿½ï¿½îªxxx�ä¾ï¿½ï¿½ã·ï¿½õ¹ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½è¶ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ë»ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½×¡ï¿½ï¿½èºï¿½ï¿½ã¹ï¿½ï¿½ï¿½ï¿½ï¿½ê¡ï¿½ð¼ï¿½ï¿½ï¿½ï¿½ï参考资料，不熬夜9/44¿½80��î£ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ê±»ê¡ï¿½ï¿½ë¾ï¿½ï¿½ï¿½è¡°ï¿½è½ï¿½ï¿½ï¿½î»ï¿½ï¿½;���������ê¡ï¿½ð¡ï¿½ï¿½øºï¿½í¬ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½òµï¿½ï¿½ï¿½í¡ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½âµ¥î»ï¿½ï¿½;�����ä½ì±»ê¡î¯ï¿½ï¿½ê¡ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½è¡°ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½î»ï¿½ï¿½;�������챻���뾫������î¯ï¿½ï¿½ï¿½è¡°è«ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½òµï¿½è½ï¿½ï¿½ï¿½î»ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ë¾ï¿½ï¿½ï¿½ñ·ï¿½õ¹ï¿½ï¿½îªï¿½ð³ï¿½õ¼ï¿½ï¿½ï¿½ê¸ß¡ï¿½×¨òµï¿½ë²å¶à¡¢ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ç¿ï¿½ï¿½ï¿½ï¿参考资料，不熬夜10/44½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½è«ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½á¸»ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ã¡¢ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ï¿½ö´ï¿½ï¿½ï¿½ò»ï¿½ï¿½ï¿½ï¿½òµï¿½ï¿½ï¿½õ¹ï¿½ë¾(20xxx����òµï¿½ê±¨)������������òªï¿½î¼ï¿½êµï¿½ï¿½ï¿½äµï¿½î»ï¿½ï¿½ï¿½ï¿