Category: Insurance tips Release Date: 2006-08-01
The event of an insurance accident insurance contract, the customer should follow the following steps to handle claims:
First, recognize the rights and interests of
Carefully read the insurance terms, a firm understanding of security issues: the validity of insurance, insurance liability, insurance exempted from liability and insurance payment methods and so on.
Second, timely reporting
Within the time agreed upon in the contract (usually within 7 days after Chuxian), to the insurance company claims department report (which can call a report or reported directly to the insurance company). Policyholders in the report should note the following:
A: The insured's name, identity card number (or the insurer of birth, month, day)
B: insurance insurance, insurance amount, the insurance period, insurance policy number
C: time of the accident, location and cause of the accident and the injury situation, the insured status of
D: the informant's contact information.
Third, collection of evidence
To provide the above contents insurance claims staff will tell you that the claim should provide proof of material name and number of pieces. Then attention to gathering the required supporting documents, within the time agreed in the contract (5 years life insurance, health insurance and accident insurance for 2 years) by the claimant the right person (the insured person or beneficiary) to apply for insurance claim. Claimants can also be entrusted by their agents processing claims. Agent to produce a power of attorney who claims the rights and identity as well as the agent's own identity.
Fourth, pay attention to time limits
Claims Department staff has received the application and check and accept the claim and complete the required supporting documents to verify the incident immediately after entering the process of handling payments.
For the facts are clear, supporting documentation sufficient liability insurance to apply a clear pieces of evidence in general, after the collection is complete, insurance companies should be paid within the time prescribed.
5, to receive compensation
In order to give full play to the role of insurance protection and effective protection of the interests of the insured and the beneficiary, special to make the following claims payment provisions of the insurance payments.
(1) In order to facilitate the payment means the insured can choose cash payments, cash checks, note of transfer and bank transfer, etc..
(2) The insured requests bank transfer should be agreed to entrust the bank signed a contract Hua Zhang.
(3) the insured person or beneficiary to receive insurance money, when I need to provide proof of identity.
(4) commissioned others to receive when the recipient must provide the insured or the beneficiary of the power of attorney, the recipient identification and proof of identity.
(5) beneficiaries of heirs, the recipients must be the first order of heirs (spouse, children, parents) to be signed prior to receiving a written assurance from the recipients notified to the other first-order successor.
(6) The beneficiary designated, in conformity with the order of payment of the specified insurance.
(7) The beneficiary no capacity for civil conduct for the person by their guardians to receive insurance money.
(8) beneficiaries and the death of the insured at the same time, the insurance payments by the insured person's legacy.
(9) for the duplication of medical expenses insurance, insurance companies, according to "Insurance Law" provisions of Article 40th, according to the insurance amount and the proportion of the total amount of insurance or liability insurance paid by first calculating the difference between the amount paid.
(10) Collective insured insurance policy, if you specify the insured as the beneficiary, subject to the written consent of the insured person. Legal heirs or beneficiaries designated beneficiary, the insured claim the amount of insurance claims to receive when you apply under the trust of others.
