Category: Insurance tips Release Date: 2006-08-01
Chuxian means within the time limit in the insurance policy, the insurance contract within the framework of insurance liability insurance, accident.
After Chuxian should:
1, only the risk (especially property insurance accident)
The insured person has the obligation to rescue, "Insurance Law" stipulates that: "the insurance when the accident occurred, the insured person has the responsibility to make every effort to take the necessary measures to prevent or reduce loss." If you do not fulfill this obligation, the insurance company may be exclusions.
Second, to protect the site
In the insurance after the accident, without the insurer survey, nuclear damage, or consent, the insured person or beneficiary of an obligation to protect the scene of the accident, waiting for the insurer to verify the cause of the accident investigation and loss situation.
Third, a report
"Insurance Law" provides for the insured person has the obligation to promptly notify the insurance accident. Only the insurance, the insured, the insured person or beneficiary shall immediately notify the insurer to the insurer promptly sent to the scene to survey tests, and to take rescue measures to avoid losses continue to expand. Chuxian report should generally be in writing, orally or by telephone can also be the first notice, and then re-submissions in writing. The contents of the notice Chuxian generally include the insured person's name, address, insurance number, Chuxian date, Chuxian reasons, damaged items or damage to personal property, the location, the amount of damaged property.
Fourth, the claim
1. Claims
In addition to the insurance contract under the agreement, the right to claim from the insured's designated beneficiary entitled addition, the insured person I have the right to claim. If the insured person to fulfill the obligations they had undertaken, they have the right to the extent permitted by insurance policies require insurers to compensation for the losses caused by the accident insurance and payment insurance.
2. To accept the insurer's test
Insurers have investigative powers, investigate and verify the cause of the accident and loss situation. The insured person has a duty to be tested, accept the insurer or its delegate to other personnel (such as insurance agents, inspection body) inspection, and provide convenient conditions to carry out tests to ensure that the insurer timely and accurate manner identify the cause of the accident, confirmed that the amount of such damage and loss.
3. To provide the claim documents
The so-called claims documents that could prove cause of the accident, nature and amount of loss documents. "Insurance Law" provisions of the insured person has provided proof of the claim documents and material obligations.
4. To receive insurance indemnity or insurance payments
The insured person or beneficiary to receive insurance indemnity or insurance payments, after its insurance policies, according to the claim may continue to be valid, this will depend on the specific situation to deal with.
"The applicant life insurance claims should prepare documents"
$ Apply for death benefits
Death certificate (regions above the county level public hospital or public security departments, people's court issued).
Account cancellation certificate (domicile issued by the police station).
Beneficiary identification or proof of residence.
The original insurance certificate and final payment.
$ Apply for disability insurance payments
Insurers, medical institutions recognized proof of identification issued by the disabled.
Discharge diagnosis certificate or out-patient medical records.
The insured person proof of identity.
The original insurance certificate and final payment.
$ Apply for critical-illness insurance payments
Insurers, medical institutions recognized by medical certificate issued by major diseases.
The insured person proof of identity.
The original insurance certificate and final payment.
$ Application-patient medical insurance
Hospitals above the county level or secondary discharge diagnosis proved.
Closing a single hospital expenses, settlement schedules and discharge summary.
The insured person proof of identity.
The original insurance policies (primary insurance and additional insurance), and the last payment certificate.
$ Apply for accidental injury medical insurance
Area above the county level (including district and county) hospitals to prove.
Out-patient clinics, receipts, prescriptions and medical history.
Maintenance fee receipts, billing schedules and discharge summary.
The insured person proof of identity.
The original insurance policies (primary insurance and additional insurance), and the last payment certificate.
$ Apply for hospital insurance subsidies
Hospitals above the county level or secondary diagnosis of proved and was discharged summary.
The insured person proof of identity.
The original insurance policies (primary insurance and additional insurance), and the last payment certificate.
