For sheep insurance, what should the staff do if they make excuses not to make a claim?

Hello, the insurance company made an excuse not to pay the compensation for the sheep, in this case, first of all, you should first look at the insurance contract signed at the time, to see if it is within the scope of compensation, if it is not within the scope of compensation, the insurance company will not give you a claim. If the contract clearly stipulates that the situation you encounter meets the conditions for compensation, then the insurance company must compensate you according to the law

1) Call ** "12378" to say that the company complained to the CIRC:

"12378" is a direct channel to the highest insurance supervision. 12378** was opened by the China Banking and Insurance Regulatory Commission in April 2012 and is the first of its kind in the entire financial regulatory system.

The China Insurance Regulatory Commission (CIRC) will issue a report on the number of complaints of each insurance company every quarter, and has specific assessment requirements for indicators that reflect the service level of insurance companies, such as the timely handling rate of complaints, and will interview the insurance company if it fails to meet the requirements.

2) Mail the complaint materials to the CBIRC:

No. 15A, Financial Street, Xicheng District, Beijing, 100033. Because it takes a long time for the materials to be delivered, you need to write down the reason, basic information and prepare supporting materials at one time.

3) Hit ** into the insurance industry association:

Relevant laws and regulations stipulate that insurance industry associations should establish a mechanism for handling insurance consumer complaints, urge insurance companies and insurance intermediaries to handle insurance consumer complaints, and give full play to the role of insurance consumer dispute mediation institutions.

4) Suggestions for rights protection:

When we encounter the situation that the insurance company finds an excuse not to settle the claim, we should actively protect our rights and interests, and the relevant organizations are very strict in the supervision of the insurance company.

You buy insurance for the lamb, and the staff makes an excuse not to pay the claim, then you can complain.

If the insurance company refuses to pay compensation on unfounded grounds, you can file an arbitration with the local insurance regulatory commission or sue the insurance company in court.

Oh, this first has to insure the sheep, and then if you meet the conditions, you will definitely make a claim.

Ultimate**: CBIRC complaints.

I lambed a month and died, why didn't I ignore it, why is this insurance company like this, why can it be regarded as a death in childbirth.

If you buy insurance for the sheep and the staff makes an excuse not to pay the claim, then you can complain. You can file a complaint with the insurance company.

If you have already bought insurance, you have to go directly to the insurance company to make a claim, and if you ignore you, you can sue them directly.

Hello dear, happy to answer for you. The farmer bought insurance for the sheep, but the sheep died, and the insurance did not pay compensation, how to protect their rights? The farmer and the insurance company have signed a contract, and the insurance company must compensate the farmer for the loss.

If the insurance company does not compensate, the farmer can directly go to the insurance company to settle the claim, and go to his headquarters to ask the staff the reason for the non-compensation. If you still don't agree to compensation, you can go and sue them. Farmers should take up the law and firmly protect their rights and interests, and not be intimidated by insurance companies that bully customers.

Farmers can also apply for legal aid, which is free of charge, and have a lawyer negotiate with the insurance company to seek compensation for part of the loss.

Everyone should be familiar with Pacific Insurance, which is a senior big brother in the insurance industry, so what is the ranking of Pacific in the insurance industry? Recently, it took a lot of time to finally sort out this list of insurance companies for you to see for free:"The list of the top 10 insurance companies is newly released".

The complaint of Pacific Insurance is 12378 of the CIRC. If something like this happens, is Pacific Insurance a bad company, not necessarily, let's take a look at the specifics.

Is Pacific Insurance Company reliable? Is the product good? Let's have a ** after all!

1.Company strength

Founded in 1991 with its headquarters in Shanghai and a registered capital of 9 billion yuan, China Pacific Insurance Company is listed on both A-shares and H-shares, making it the second largest property insurance company in mainland China and the third largest life insurance company, after Chinese Life and Ping An. In the world's top 500 announced in 19, CPIC ranked 199th, and it is not an exaggeration to say that it is a "big company, a big brand", which just responds to the classic slogan: inject a drop of water in ordinary times, and have the Pacific Ocean in difficult times.

2.Solvency

If an insurance company's core solvency adequacy ratio is higher than 50%, and the comprehensive solvency ratio is higher than 100%, then the solvency is relatively good. According to the latest data, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Pacific Insurance Company are both 259%, and the latest comprehensive risk rating is A, so there is still a certain strength.

Can Pacific Insurance's solvency stand out in the industry? Look at this list at a glance:"In the latest solvency ranking in 2020, which company can pay the most? 》

3.Claims data

Let's start with a set of data, in the claims report released by Pacific in 2019, the annual claim amount is as high as 15 billion, and the number of claims is also 3.1 million. The odds of obtaining a claim for a small amount have reached a time limit, and the claim is time-barred. So for those who are worried that the insurance company will refuse to pay, after reading this claim data, can they still rest assured?

4.Product Introduction

Pacific Life's main business scope includes health insurance, accident insurance, life insurance, annuity insurance and other life insurance business. The table below summarizes some of Pacific Life's best-selling products:

Is it true that the main product must be good? Not necessarily! In order to let everyone spend less money to buy better products, I compared hundreds of products, and finally sorted out this cost-effective collection of Pacific insurance products, move to the article on the right to view:

"Super bargain! Pacific Seven [Worth Buying] Products".

In such a situation, the insurance company will compensate the corresponding amount, and if the insurance company does not pay the claim, it can take it to court to defend its rights.

You can take the relevant contract insurance and go through the corresponding legal procedures, so that the corresponding rights and interests can be maintained, and you can also obtain compensation.

At this time, you can call the China Insurance Regulatory Bureau, or directly appeal to the court, you can protect your rights.

With the increasing awareness of financial management in recent years, more and more people have begun to consciously purchase various types of insurance for themselves. However, the complexity and professionalism of insurance itself determine that insurance consumption is easy to cause disputes. The number of cases involving insurance contracts has also risen dramatically in recent years.

Therefore, it is recommended that insurance consumers should strengthen their awareness of rights protection and dispute prevention as much as possible

At the time of enrollmentIt is necessary to carefully choose insurance products that suit your own needs, comprehensively evaluate your own demand for product benefits and risk tolerance, and do not rely solely on the one-sided sales of marketing personnel to make incorrect judgments.

At the time of signing a contractIt is necessary to have a specific understanding of the insurance terms such as insurance coverage, exemption scope, exclusion clauses, etc., and the insurance staff can be asked to explain the terms that are not clear in the agreement. At the same time, it is necessary to truthfully inform relevant matters, especially when applying for life insurance, it is necessary to truthfully inform the health status of the body. It is recommended to present the latest medical examination report and past medical records to the insurance company and indicate the fact in the contract, so as to avoid disputes over the obligation to truthfully inform due to the consumer's own cognitive reasons or the wrong guidance of the marketer.

Strengthen awareness of rights protectionIt is necessary to keep the relevant evidence completely, ask the insurance company to sign for the receipt of the materials, or keep the original by itself, and pay attention to collecting relevant evidence in the process of medical treatment for the purpose of presenting evidence in the lawsuit.

If you have purchased critical illness insurance, as long as the hospital determines the disease (and confirms that the disease is a critical illness by reference to the contract), you can claim compensation from the company with the medical certificate, and if you do not pay compensation, you can first report to its national head office, and then you can file a complaint with the local insurance regulatory bureau, and then you can sue.

Now the main thing is to look at the contract and look at the diagnosis report.

It is recommended that you carefully look at the contract to see if the serious illness is within the scope of the contract, if so, the insurance company does not pay the claim, the policyholder can go to the court to sue, 100% win, and the insurance company is fully responsible.

Settlement of claims is the performance of contractual obligations by an insurance company, which is based on the insurance contract and insurance-related laws. Intra-industry regulations and international practices, and any other reasons or explanations cannot be used as the basis for settling claims.

Insurance claim settlement refers to the business activities of the insurer in accordance with the provisions of the insurance contract or relevant laws and regulations, accepting the insurance compensation request submitted by the insured, conducting investigation, damage assessment, adjustment and compensation, which is a very important part of the insurance legal system and the main form for the insurer to perform its obligations. In order for the insured to receive financial compensation as soon as possible, the insurer should take the initiative to settle claims. Claims are settled in accordance with the principles of the insurance contract as the basis, compliance with international practices and relevant international conventions, and timely and reasonable compensation.

Insurance claims generally start from the acceptance of the notice of insurance, and go through six stages: investigation, inspection or commissioned inspection, verification of the case, adjustment of the compensation amount and payment of compensation. According to the Maritime Law of the People's Republic of China, "after the occurrence of an insured accident, the insurer may require the insured to provide proof and information related to the confirmation of the nature of the insured accident and the extent of loss before paying insurance compensation to the insured." ”

Hello. Hello.

There must be a reason why the insurance company doesn't pay the claim, can you say, why the insurance company doesn't pay the claim? It's good for me to help you solve your problem.

Your situation is not effective, because you have applied for a refund of the premium before, and the refund of the insurance has to go through the process, as long as you get the refund certificate of the insurance company, this insurance will be invalid, and there is no protection.

You have surrendered the policy in October, and now it is November, and it happened in this month, in this case, the insurance company will definitely not pay the claim, because the contract has been terminated.

If they don't give you a certificate of surrender, and they don't give you the surrender premium until after your car accident in the past few days, in this case, you can apply to the court for arbitration, and they should also bear part of the responsibility.

You didn't get the surrender invoice, he delayed you to buy a new insurance, they need to be jointly and severally liable, you can ask them to compensate for your losses, through court arbitration, so that the insurance company bears part of the responsibility.

The key is what you mean by not wanting to make a claim, you ask a question to make it clear why you need the insurance company to make a claim, and then send a screenshot of the insurance regulations, so that we can know whether the thing you want to claim is within the scope of the insurance company's claim, if it is a critical illness insurance, it says that there are regulations on what disease you need to have in order to have a claim, if the disease is not the kind of disease specified by the insurance, it will not be claimed. You have to look at the regulations in the insurance you bought, and if you meet the claim, you can complain to the local insurance regulatory commission. If it doesn't work, then you have to hire a lawyer to sue the insurance company.

At present, there are only two options. There is no other way.

company, but the insurance company has not replied, and I have it.

Therefore, everyone should also pay good attention to protect their own rights and interests. Insurance companies are also not allowed to do some bad behavior casually, which is also disrespectful to citizens. After all, everyone buys insurance in the hope of buying a peace of mind and reliability, but there is a phenomenon of refusal to make a claim, which is also something that many people do not want to see.

If the insurance company does not pay the claim, there are two ways to solve the problem. You can file a complaint with the Insurance Authority, or you can go to court to file a lawsuit.

If the insurance company has been delaying the claim, the situation should be complained to the local insurance authority. The specific operation method is to log in to the official website and check the complaint rights protection** or email address. Usually, there must be a reason why the insurance company has not made a claim, although some insurance companies are slower to settle the claim, but the claim will eventually go to your account.

If the insurance company has not made a claim, and its claim application meets the regulations, you can file a complaint with the local insurance bureau and directly call the ** of the insurance bureau to complain.

If the insurance company has been dragging out the claim, this situation is indeed very infuriating, if you have already found the insurance company, there is no good solution, and your application also meets the claim standard, and the complaint to the insurance authority does not work, you can go to the court to sue. With the insurance contract and the accident scene documents, you can go to court and file a lawsuit. The purpose of our insurance is to get the insurance company's claim when there is an accident, but now the insurance company has not made a claim, and our claim requirements are in line with the regulations, so this is the insurance company's problem, we can go to the court to sue and protect our legitimate rights and interests.

Although it costs us money to go to court to sue us, it is worth it to protect our legitimate rights and interests.

Why hasn't the insurance company paid for it for so long? We must first check with the insurance company, what is the reason for the lack of claims? Is it because our claims requirements do not meet the insurance company's regulations?

Or is it because of something else? As a customer, if you want to know that the insurance company has not made a claim, you must first ask the insurance company for inquiries and then think of other ways.