Event Location：Tainan City
Event Time：2018/07/03~2018/09/13
TREIF holds a claim simulation drill every year. This aims at helping insurers to familiarize with the insurance claim procedures of TREIF, so that their own personnel could be swiftly dispatched during a disaster and appropriately settle the claims to the stranded ones in an efficient way. This could appease people’s mood, and bring a positive image to insurers as an enterprise that is responsible toward the society.
The claim settlement simulation drill of 2018 being modified from the 2017 drill, and taking experiences from both of the February 6 Tainan Earthquake and Hualien Earthquake claim settlements. It was held in Tainan with the related authorities, insurers and TREIF. The situation sencountered, methods and results are listed as follows:
1. The 2018 annual simulation set insurers as the principal character, the new characteristics being as follows:
(1) The first in the Tainan City;
(2) TREIF sent personnel to observe the "claims service center" drills performed by each insurer.
(3) Notice on the earthquake and mobilization notice were post on a LINE group without prior warning;
(4) Internet and communication could be severed at any time during an earthquake. Therefore each insurance company should consider this issue in emergency meetings and work out a plan in case it happens.
Gathering earthquake related data、Emergency response & Internal meeting
2. The Results of the 2018 Claim Simulation Drills
(1) The second stage was about sending earth quake reports to insurers’ claim settlement managers without prior warning through LINE groups. Each insurers’ manager was able to acknowledge the earth quake report and quickly reply, and mobilize respective qualified adjusters and stationed personnel to the disaster site joint claim service center.
(2) Qualified adjusters and stationed personnel’s report-for-duty ratio reached 100% at the stage 3.
(3) The report-for-duty ratio of qualified adjusters for loss assessment of disaster damaged building module reached 100%.
3. Review and Recommendations for Improvement from the 2018 Simulation Drills
This simulation drills successfully finished on July 19, 2018. The award ceremony and debriefing was held on September 13, 2018, and a report was presented to participants, with content mainly as follows:
(1) Review of the emergency response of insurers
Each insurer has an emergency response plan related to earthquake disasters. However, some insurers’ emergency response practice and internal meetings were not presided over by senior executives, and there was no cross-unit coordination.
(2) Stationed Personnel’s Familiarity with the Claim Settlement Procedures of the Insurance
It was found that some stationed personnel were unfamiliar with the claim settlement procedures; therefore future training must include an enhanced focus on the claim related clauses.
(3) The Capability of the Qualified Adjusters
It was found that some qualified adjusters were unfamiliar with the loss assessment of the building column, and structure wall, photographic evidence gathering, total loss assessment system operation.
Therefore, trainers must strengthen the skills on loss assessment in future workshops.
