Category: Insurance tips Release Date: 2006-08-01
Many people have insurance, "insurance claims easier to hard" feeling, in fact, mostly due to the insurance policy holders do not know the terms of the claims fall into errors. Some customers have bought life insurance insurance liability due to distinguish between, for a clear understanding of insurance, insurance, knowledge is not clear, compensation and other procedures do not understand all the reasons can not get their insurance claims.
He Pei, director of Xinhua Life Insurance Company, Harbin Ning said: claim is not difficult, as long as the facts are clear, the evidence is clear, the insurance company will in the shortest possible time compensation in order to maintain a good reputation. If the claims in the application process, pay attention to the following points, the claimant is still very easy.
The importance of timely reporting of insurance claims is an integral part of the first report. Under normal circumstances, the insurance policyholders should be notified within 10 days after the accident insurance company, but because of limitations in various types of insurance loss adjuster is different, they must be provided under the insurance contract and timely reporting to prevent losses to their own interests. If the insured person is notified in the form of verbal report, then afterwards Butian Chuxian formal notice. Report should detail the following issues: the informant and the basic situation of the insured person, insurance, accident time, location, causes, course and outcome.
Reported in line with the scope of responsibility, the insurance company or salesman will tell the customer whether the incident took place within the framework of insurance liability. Customers can also read the insurance terms, to consult an agent or call the hotline re-insurance company to confirm. Insurance company only insured people do because of the risk within the responsibility of compensation for losses caused by, for the insurance provisions of the exclusion, such as suicide, crime and the insured, the insured person's intentional act, the insurance company does not offer protection.
Prepare all the necessary documents required for insurance companies was raised in order to prevent unfounded or exaggerated claims will require the insured person to provide evidence of its loss within a specified period of time and explain in detail the circumstances. Whatever the insurance, beneficiaries are required to prepare the original insurance policy, the insured and the beneficiary of the identity documents (identity cards, residence of the military officer, the soldiers may permit) of the original and the most recent invoice for the premium paid, if the commission procedures for processing claims of others need to fill out power of attorney.
Ready to split a single health care insurance, if people have free medical care, units and social security has given a portion of reimbursement, then the need to advance to the insurance company to produce units issued by the division of medical expenses alone, and indicate the total amount spent on medical costs and units have been paid cost, together with a copy of the original documents be handed over to insurance companies, insurance companies will be based on the above-mentioned materials in the remaining amount of medical expenses within the claims.
Survey data collected for the accident, the insurance company's claims department began an investigation. Insurance companies may require customers to meet the research, and provide additional material and evidence. If the insured when the insured concealed a history of ill insured or the insurer does not autographed, etc., would give the claim hinder the smooth progress of the work. Finally, the insurance company will review, calculate, determine the amount paid and notify the customer to apply for insurance.
As the central bank announced interest rates, insurance policies becoming more and more people in favor of a fiscal, rather Chuxian, the policyholders receive compensation for their losses through the claims, also reached the minimum insurance purposes. Therefore, the claim to avoid falling into the errors in accordance with the law act in accordance with regulations, to be a policyholder to understand is the right choice.
