What is the claims service of our property insurance?

There is a standard claim process for the claims service of our property insurance, which is roughly as follows: first, call the 95569 number to apply for a claim; second, to assist the applicant in preparing the claim information; Third, wait for the review of the claim information; Fourth, the claim payment will be received as scheduled after the review is successful. Moreover, on the official website of our property insurance, you can inquire about the progress of claims, which are roughly divided into auto insurance claims, agricultural insurance claims and life insurance claims, which means that you can grasp the progress of claims anytime and anywhere.

Taking special circumstances as an example, it can be seen that our property insurance always adheres to the customer first, and truly achieves sincere service, honesty and trustworthiness. During this year's Chinese New Year, due to the impact of returning home during the Spring Festival and the epidemic, we provided online and offline claims services and green channel services. Specifically, the first online contactless claims service (instant service, everyone APP report claim, WeChat claim; remote verification); Second, offline fast claim settlement service (pure car damage cases for both parties, property damage cases in remote areas, and quick compensation for personal injuries at the scene); The third green channel "home" service (one "home" from all over the world, service to "home"; The car is dedicated to "home" and medical stewardship).

A brief introduction to property insurance as a whole. Everybody Property Insurance refers to Everybody Property Insurance Co., Ltd., which is also a brand of Everybody Insurance Group. As far as Everybody Insurance is concerned, the group is guided by adhering to compliance, respecting the law, serving the company, and standing professionally, and many of its members include Everybody Life Insurance Co., Ltd., Everybody Asset Management Co., Ltd., etc.

As one of the important members, Dajia Property Insurance Co., Ltd. has been committed to providing customers with all-round and multi-level property protection services, and effectively playing the function of "insurance surname insurance". The company is mainly engaged in various types of property loss insurance, liability insurance, credit insurance and guarantee insurance, short-term health insurance and accident insurance, reinsurance business of the above businesses, the use of insurance funds permitted by national laws and regulations, and other businesses approved by the China Banking and Insurance Regulatory Commission.

In general, the claims service of our property insurance is very objective, scientific and humane, and the claim settlement speed is efficient, which is affirmed in the current customer group.

Now the insurance company is fighting for service, so as long as it is a normal accident, you can get a fast and professional claim.

Since last year, my family's car insurance has been handed over to everyone's property insurance.

I feel that the service time is too slow.

The claims process for home contents insurance is as follows:

Rescue family property in a timely manner and reduce property losses.

3.Wait for the contact of the claims expert, communicate the claim method, and prepare the corresponding claim materials.

4.Save the scene, take photos and videos to save the loss. Investigation of the suspicion of the company for insurance failure.

5.When the house is repaired, save the relevant expense vouchers, and take screenshots of the payment that the individual company has accepted for inspection by the insurance company.

After the repair, submit the claim materials required by the insurance company and wait for the review result.

It should be noted that after the claim is settled, the claim amount can only be deducted during the policy year.

In the traditional thinking of Chinese, the house is very important, so the house is the most important property for most Chinese, so the protection of the house must be included in the family property insurance. Housing security mainly includes the protection of the main body of the house, the decoration of the house and the protection of indoor property. If you have purchased the corresponding home contents insurance and meet the requirements of the insurance, you will be able to get the corresponding compensation when the main body of the house, decoration and interior property are damaged due to natural disasters.

In addition to the protection of the main body of the house, the protection of family property insurance also needs to provide corresponding protection for the safety of the house. In general, the possible damage to indoor property is theft and bursting water pipes, so home contents insurance should provide protection in both cases, so as to provide comprehensive protection for family property.

In addition, since the members of the family are also part of the family property, it is best if the family contents insurance includes coverage for injuries to family members. In this way, as long as you have purchased family property insurance, you can get the corresponding compensation when a family member needs to go out due to an accident.

Through the above introduction, I believe that you have a full understanding of the protection items that should be included in family property insurance.

Tips: How to apply for a claim for home property insurance?

Once the insurance is out of business, the policyholder should immediately call the insurance company's service**, inform the insurance company that the family has suffered losses, and report the insurance policy number in **. If possible, it is best to take a picture of the damage yourself** for the record. At the same time, prepare insurance policies, property damage lists, invoices, property and other department certificates.

All repair costs incurred such as lifted floors, damaged electrical appliances, etc., are generally "reasonable remedial costs" and are also covered, so the relevant repair invoices and vouchers should be kept for the purpose of determining the amount of compensation.

In the case of loss of family property caused by heavy rain or storm, proof of local weather conditions at the time shall be provided. In the event of theft, a certificate from the public security organ should also be prepared. In the case of a fire, a certificate from the fire department should be provided.

Insurance experts recommend that policyholders should ask their insurance company about the documents they need to make a claim when they apply for home property insurance.

When the insurance company learns about it, it will send someone to check the damage, and then it can start to conduct an on-site investigation and treatment. If it goes well, it will take about 7 working days to receive the compensation from the insurance company's outlets. If you left your bank card number when you applied for insurance, you can also choose to transfer the compensation directly to save one errand.

Insurance experts hereby remind that the policyholder must fill in the policy truthfully when applying for insurance, and the subject property of the insured cannot be a shop, illegal building and property in a state of emergency danger, but only the location of the policyholder's household registration, or permanent residence. Otherwise, in the event of property damage, even if you are eligible for a claim, you will not be compensated.

Step 1: Report the case as soon as possible, this is the obligation of the policyholder, the policyholder should do his best to maintain the safety of the insurance object, reduce the possibility of accidents, reduce possible losses, and report the case as soon as theft is found. In case of deliberate failure to fulfill these obligations, the insurance company has the right to refuse to pay according to the actual circumstances, or to cancel the insurance in combination.

In order to settle the claim smoothly in the later stage, you can use your mobile phone to take photos and leave evidence to prove that you have fulfilled your responsibilities and avoid being rejected by the insurance company due to insufficient evidence.

Step 2: Submit materials After reporting the case, you will need to submit the materials, including the claim application, insurance policy, loss list, etc., which must be prepared in advance when applying for a claim with the insurance company. It should be noted that there is a time limit for initiating a compensation lawsuit, beyond which the insurance company can also refuse to pay compensation, so it is important to report the accident as soon as you learn of it.

Step 3: Determine the compensation When the policyholder submits the materials, the insurance company will take measures to determine the amount of compensation, and now most insurance companies will determine the cost to be paid to the policyholder according to the market of the insurance subject or the recovery cost.

Generally speaking, home contents insurance can provide protection for the house and home decoration, clothing, bedding, furniture, gas appliances, kitchen utensils, musical instruments, etc. In short, all family property that is stored and located at the address specified in the insurance policy and belongs to the insured is within the scope of its protection. Of course, there are also cases where this type of insurance does not pay:

1) Precious property such as gold and silver, jewelry, ornaments, antiques, currency, ancient books, calligraphy and paintings (too large or no fixed value); (2) Currency, savings passbook, valuable**, tickets, documents, account books, charts, technical data, etc. (not actual materials); (3) Illegal buildings, dangerous houses, and other properties in dangerous conditions; (4) Motor vehicles such as motorcycles, tractors or automobiles, wireless communication equipment such as pagers and mobile phones, and poultry and livestock (other property insurance coverage); (5) Food, tobacco and alcohol, medicines, cosmetics, flowers, birds, fish, insects, trees, bonsai, etc. (value cannot be identified). If you want to file a claim, the claims process goes like this:

1. Within the first time after the accident, call the report on the policy**;

2. Provide claim information and related documents. First of all, you need to obtain a claim form, collect relevant supporting information according to the insurance product situation and the type of insurance benefit you are applying for, and mail or fax the relevant claim information and documents to the insurance company through EMS or DDS.

4. Check and collect insurance claims. After receiving the complete claim information, the insurance company will send the audit results and the claim list for verification within 30 working days after the insurance company reviews the information is correct, and if there is no objection, the insurance company will transfer the insurance compensation to the account.