Category: Insurance tips Release Date: 2006-08-01
The ultimate purpose of life insurance policyholders to buy is when the accident occurred, or to collect insurance money, age, life insurance companies can get compensation or payments. Therefore, in order to safeguard your interests, should note the following items:
1. Promptly contact the life insurance company in writing and make payment for insurance. When the insured person to disease, injuries and other insurance, accident, shall immediately notify the life insurance companies. Otherwise, policyholders may have to take notice due to slow increase in life insurance companies resulted in investigation fees.
When the insured person attains the age of receiving insurance premiums, the policy holders for its own sake, of course, should also promptly pay to the life insurance companies to apply for insurance.
2. Prepare the necessary application documents. Typically include:
⏿payment applications;
⏿insurance policies;
⏿last payment vouchers;
⏿related personnel identification;
⏿the insurance contract and other supporting documents (see terms).
3. China's "Insurance Law" on claims made by certain requirements of time.
⏿life insurance companies in receipt of the insured person or beneficiary of the compensation or insurance payment request, shall make timely approval, to belong to the insurance liability, and in with the policyholders pay premiums to reach an agreement within ten days to fulfill payment obligations under . Otherwise, compensation for losses incurred by the insured, therefore.
⏿Life Insurance Company of receipt of claims and the evidence, information, within sixty days from the date of its payment of the amount of insurance can not be ascertained, it should be the basis of available evidence and information to determine the minimum amount be thoroughly payment, in the final to determine the amount of again after paying the corresponding difference.
⏿If the life insurance contract is invalid, or fraud, or the occurrence of the accident does not belong to insurance, liability insurance, life insurance companies will be issued a notice exclusions.
⏿insured against claims not agree with or dispute the results can be through consultation, arbitration or litigation to resolve.
4. China's "Insurance Law" provides a five-year time limit for claims life insurance, life insurance of the insured person or beneficiary of the insured person the right to request payment of insurance premiums from their insurers know that the accident occurred five years from the date of the exercise is not to destroy.
