Category: Insurance tips Release Date: 2006-08-01
Bottleneck 1: unexpected payment required to designated hospitals in the claims department of a Chinese-funded insurance company staff members pointed out that the 2003 sale of accident insurance policy provisions, and only 100 in Shanghai, the designated hospital for treatment, the insurance company will settle claims. Therefore, if the field Chuxian insured, insurance companies may be exclusions.
Therefore, the company suggested that if the long-term policy holders to go to work or study in the field can be insured in the year after the end of the local branch to re-purchase of accident insurance. In this way, policyholders living in the field during the accident, the local insurance claims easier.
Bottleneck 2: Foreign domestic Chuxian lose the other hand, if the policy holders to study abroad, just ahead of the company to apply for overseas service, and overseas address, contact this company, the company makes the premium collected for local staff. However, in Chuxian claims, the insured still need to keep the information and mail to the Shanghai Corporation for settlement of claims. Among them, bank transfer required policyholders to provide Shanghai bank account.
According to reports, AIA is currently only able to pay their premiums and conduct of claims of foreign insurance companies.
Bottleneck 3: The following two hospitals do not lose the provisions of a joint-venture insurance company, policy holders in the field of accidents and falls within the scope of insurance liability, insurance companies should be able to claims. However, the need to be reminded that the policyholders have to go to hospital for treatment for more than two, insurance companies will recognize.
In addition, the purchase of the company's policy on treatment of foreign medical institutions, insurance companies, no award of compensation, unless the policyholder to purchase insurance with the main critical-illness insurance, death insurance, and other special insurance.
