Is Chinese Life claims fast, Chinese Life can be settled in all China, right?

Is Chinese life really as good as it says on the Internet? A good article for everyone:Is Chinese Life Really So Good? Take you to understand the most real Chinese life".

How is the ability of Chinese Life to settle claims, let's look at the detailed evaluation:

Chinese Life Insurance (Group) Company, founded on October 20, 1949 and headquartered in Beijing, is a state-owned super-large financial and insurance enterprise and one of the four major central enterprises.

First, how is the life of the Chinese

Latest registered capital:28.2 billion

In 2003, Chinese Life was reorganized and changed to Chinese Life Insurance (Group) CompanyRanked among the Fortune Global 500No. 290, until July 2019, China Life has been included in the list for the 17th consecutive year, and is currently ranked 51st.

Chinese Life's 2019 Q1 Q4 premium income was 100 million yuan, occupying the market share and ranking first.

In general,Chinese Life has abundant funds, high national recognition, firmly sit in the position of the big brother of the domestic insurance industry!

2. China Life's solvency announcement in the first quarter of 2020

Solvency refers to the ability of an insurance company to fulfill all contractual obligations at any given time, embodies the relationship between assets and liabilities, and is the lifeblood of an insurance company.

Consolidated solvency for the first quarter of 2020 was:The comprehensive risk rating was A, far exceeding the passing mark set by the China Banking and Insurance Regulatory Commission, and the performance was excellent. What are the insurance companies with high solvency in 2020, click here to understand:"In the latest solvency rankings in 2020, which company is the most compensable?

Third, the introduction of Chinese life products

Chinese Life is mainly engaged in life insurance (life insurance), health insurance (critical illness insurance, medical insurance), and accident insurance (accident insurance), wealth management insurance (annuity insurance) and other life insurance, as well as property insurance (car insurance, etc.) business, more popular products are: China Life Fu series, Corning series, Fulu Xinzun, etc., the main products I have sorted out in this **:

Chinese Life products are not worth buying, it depends on which product it is, take its popular critical illness insurance "China Life Fu series" as an example, although the protection is sufficient, but the cost performance is low, if you want to learn more about the evaluation of China Life Fu, you can poke here:

Is Chinese Shou [Guoshou Fu] worth buying? Watch out for these pits! 》

And many people who want to know about China Life's annuity insurance [Fu Lu Xinzun], you can poke here:"Fu Lu Xinzun, who everyone robbed like crazy back then, why do so many people say pit now? 》Hope!

It depends on your insurance contract, if it is a critical illness of Corning, uterine cancer will not be reimbursed. That's because Corning Whole Life Critical Illness Insurance covers the following conditions.

1. Malignant tumors - excluding some early-stage malignant tumors.

2. Acute myocardial infarction.

3. Sequelae of stroke - permanent dysfunction.

4. Major organ transplantation or hematopoietic stem cell transplantation - allogeneic transplantation is required.

5. Coronary artery bypass grafting (or coronary artery bypass grafting) - thoracotomy is required.

6. End-stage renal disease (or chronic renal failure uremia stage) - dialysis** or kidney transplantation is required.

7. Loss of multiple limbs - complete disconnection.

8. Acute or subacute severe hepatitis.

9. Blindness in both eyes - permanent and irreversible.

10. Paralysis - permanent completeness.

Ten. 1. Severe Alzheimer's disease - complete loss of the ability to live independently 10.

2. Severe brain injury - permanent functional impairment.

Ten. 3. Severe Parkinson's disease - complete loss of the ability to live independently.

Ten. 4. Severe burns - up to at least 20% of the body surface area.

5. Severe motor neuron disease - complete loss of the ability to live independently.

Ten. 6. Severe aplastic anemia.

Ten. 7. Aortic surgery - thoracotomy or laparotomy is required.

Ten. 8. Severe multiple sclerosis.

Ten. 9. Severe systemic lupus erythematosus nephropathy.

Two. 10. Severe myasthenia gravis.

Dizzy, if you buy a care for women's health, you can insure, and Corning's critical illness doesn't seem to include your disease, because the claim is very fast, and it can generally be completed in a month.

Because it is not covered by the claim! So I didn't pay you a claim!

Yes, there is no problem in **out of insurance** claim, but if you make a claim in the place where you buy insurance, find the person who sold your insurance and then he will handle it for you, and the required documents and everything are ready for you or let you prepare, and it may not be so convenient to go elsewhere to handle it.

The difference is that some small cities do not have a physical company, so you can apply for a claim by mailing materials. The same is true for other insurance companies. Some small amounts can even be claimed online, and the original does not need to be mailed, as long as the photo**.

3-5 working days below RMB.

3-7 working days for 10,000 RMB.

RMB above 5-10 working days.

Chinese Life Insurance Reimbursement Process:

1. In the event of a risk guaranteed in the contract, if you need to settle a claim, you must first report the case.

2. The company's claims department or its own broker, after confirming that the matter is true, will require the policyholder to provide the following corresponding information.

1) Original insurance contract.

2) A copy of the policyholder's ID card (front and back).

3) A copy of the policyholder's bank card (front and back).

4) The original medical record of the insured's outpatient (emergency) examination.

5) The original certificate of diagnosis of the insured (issued by a medical institution with a seal) 6) A copy of the insured's hospitalization record and the original discharge summary.

7) Original pathology report of the insured.

3. Before the review, you will also be asked to fill in the reason and process for medical treatment before submitting it to the branch.

4. Finally, it is submitted to the head office to determine the financial payment after the compensation.

5. Finally, the contract will be returned and the claim payment will be paid into the beneficiary's account.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Chinese Life is an insurance company founded in 1949. Headquartered in Beijing, Chinese Life is a state-owned mega financial and insurance industry and one of the four major central enterprises. How efficient is life insurance claims about Chinese Life?

Here's what I think. First of all, the latest registered capital of Chinese Life is 28.2 billion yuan, and Chinese Life has strong funds and high national recognition. In the domestic insurance industry, it belongs to the position of the big brother.

One: Choose Chinese life to give yourself and your family a guarantee. The status of Chinese life in the minds of the people is still relatively high.

The latest registered capital of Chinese Life is 28.2 billion yuan, and Chinese Life has abundant funds and high national recognition. In the domestic insurance industry, it belongs to the position of the big brother.

Second: The claim settlement efficiency of Chinese Life is very good, as long as it is within the scope of claim settlement according to the process, it can be claimed.

The claim settlement efficiency of Chinese Life is actually very high, and claims can be made within the scope of claims, but it is more troublesome to prepare relevant information and supporting documents. As long as the information is complete, there is no problem in making a claim.

Three: There are many financial products of Chinese Life, users can buy according to their needs, if necessary, you can consult the salesman of Chinese Life, they will give professional answers.

Chinese Life's main types of insurance include critical illness insurance, medical insurance and other life insurance, wealth management annuity insurance, universal insurance, these are relatively popular financial products.

The efficiency is still okay, but you should also pay attention to some of the pitfalls and see clearly what conditions he will pay.

The life insurance claim rate of Chinese Life Insurance is still very good, although sometimes the efficiency may be lower, but as long as the information that should be submitted is submitted, the claim can be settled. The odds are still quite high.

The claim rate is still quite high, in fact, their insurance coverage for life insurance is also relatively extensive, involving a lot of business, so in general, if the standard is met, the claim will be made.

Whether the claim settlement of life insurance is fast or not depends on its work efficiency, but also depends on the complexity of the case, the more complex the situation, the slower the speed of the claim.

How is Chinese life, what products are there, and is it good?

Under normal circumstances, life insurance will make an assessment within the specified time after receiving the customer's application for insurance benefits and the required supporting materials. For more complex situations, the approval will be made within 30 days. If the circumstances meet the criteria for making a claim, they will pay the insurance benefit within 10 days from the date of verification, and if it does not meet the requirements of the claim, they will also issue a notice of refusal with the reasons.

You should know that if the relevant information of the claim is prepared more completely, the shorter the time spent, the more helpful it will be to get the claim result as soon as possible, so how to prepare the claim information? Click below to find out:

What are the general claim information? Details determine the success or failure of a claim!

In addition, if we encounter the situation of the insurance company's refusal to pay compensation, if we have reasonable doubts about the result, we can also take the form of complaining to the insurance company, the China Banking and Insurance Regulatory Commission, or filing legal proceedings to protect our rights

Is it reliable to buy insurance? Will the insurance company be a rogue and refuse to pay?

To be honest, it is more troublesome, first claim the case, and then you have to go to the hospital to get all kinds of lists, invoices, admission, and hospitalization information.

The determination of general liability is determined by the traffic police issuing a certificate of responsibility for the accident. If it is determined that you are not responsible and the other party is fully responsible, then the other party generally bears all the losses, and if the other party has purchased car insurance, then Kuankai is liable for compensation by the other party's insurance company (Chinese Life Property Insurance Company).

1. Since there is a loss assessment by the other party's insurance company, the initiative will generally be in the hands of the other company. As for whether it is possible, go to the 4S shop you recommend for repair, and it depends on how you negotiate with the other car owner and the insurance company. If you insist on going to the place where you want to repair, if the other party refuses or harms your interests, then you can file a complaint with the insurance company** or the Banking and Insurance Authority**.

2. Generally speaking, the losses caused by insured accidents are mainly repaired first. This depends on the degree of loss, if the replacement conditions are met, then the other party will definitely replace it for you.

3. Most insurance companies have a cooperative relationship with the 4S shop, and generally sign a direct compensation agreement, which means that you can leave directly without payment after repairing the car, provided that the insurance company can directly pay the compensation to the 4S shop after being authorized by the owner. If no agreement is signed, you can negotiate with three parties.

4. If you encounter difficulties, you can consult the traffic police, your own insurance company, or you can complain to the Banking and Insurance Regulatory Bureau if there is a dispute.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Regarding the question of how many days it takes for Chinese life to settle a claim, first of all, it usually takes 3-5 working days for the compensation amount below 5,000 yuan. Secondly, it usually takes 3-7 working days for the compensation amount to be between 5,000-10,000 yuan. After the final sale, it usually takes 5-10 working days for the compensation amount to be more than 10,000 yuan.

However, the senior sister deeply picked up the Chinese Life 2022 claims service report and found that it had a total of 19.17 million claims in 2022, with a total claim amount of 51.5 billion yuan. The overall claim time limit is days, and the small claim time limit is days. It can be seen that the timeliness of Chinese life claims is still quite fast.

Speaking of claims, if we want to settle claims quickly and well, Senior Sister will give you a few "tips".

First of all, when we buy insurance, we must tell the truth in the link of health notification, follow the principle of maximum integrity, ask well, and do not ask or answer. Secondly, after the accident, we must report the case as soon as possible and prepare the relevant information, and those who do not know what information are needed for how to make a claim, you can refer to this article:What are the general claim information?

Details determine the success or failure of a claim!

Finally, under normal circumstances, as long as the insurance company's claim conditions are met and the information is actively prepared, the insurance company will talk about the claim normally. If we encounter an unreasonable claim, we don't need to be in a hurry, we can negotiate and communicate with the insurance company first, and if the negotiation fails, we can call the complaint ** "12378" of the China Banking and Insurance Regulatory Commission to reasonably protect our rights. Due to the space, the senior sister will introduce this for the time being, please move to this article to continue to understand:

The correct procedure for handling claims disputesHope!