Ask someone to help guide you on how to claim commercial insurance

The payout process for commercial insurance is as follows:

1. In the event of illness or accident, contact the salesman of your own policy in the process of **, explain the situation, and report the case, and the process after each insurance company reports is different; After consulting the salesman, carry out the step-by-step operation;

2. According to the specific guidelines given by the insurance company, prepare the relevant materials for applying for claims, such as medical records, medicine lists, payment orders, examination results, etc.;

3. The insurance company will dispatch professional staff to conduct an investigation based on the information provided by the informant; Confirm the authenticity of the information and there is no insurance fraud;

4. After the insurance company investigates and confirms that there is no problem, it will give a compensation plan, and the insured needs to carefully understand the specific content of the compensation to measure whether the compensation plan given by the insurance company can be satisfied, if there are still objections, or there is no way to solve it through negotiation, you can go to the court to file a lawsuit.

5. If there is no objection to the insurance company's compensation plan and the insurance company's compensation is agreed, the insurance company will pay compensation and issue insurance benefits according to the established compensation standards.

Commercial insurance generally includes life insurance and property insurance, and life insurance is divided into traditional life insurance and new life insurance. Traditional life insurance includes critical illness insurance, medical insurance, life insurance, accident insurance, annuity insurance, etc.; The new type of life insurance includes participating insurance, universal insurance and investment-linked insurance. Want to know what are the differences between different types of insurance claims?

The claims process of commercial insurance can generally be divided into the following parts:

1. After the insured has an insured accident, he or she needs to notify the insurance company in time to cancel the accident and report the case;

2. Prepare the materials required to apply for a claim, according to the different insured accidents, the prepared claim information is also different, such as critical illness insurance, you need to prepare the hospital's diagnosis certificate, relevant department appraisal certificate, etc.

3. Submit the claim materials to the insurance company for a claim, and the insurance company will verify the claim information after obtaining the claim information, and the claim can be made if the audit is passed, and the insurance company needs to inform the reason for the failure to pass the review.

Generally speaking, the insurance company will make a review result within 5 days, and the complicated one will not exceed 30 days, and the insurance company will pay the insurance benefits within 10 days after reaching a claim agreement. In addition, during this period, it is also very likely to encounter claims disputes that are worried about small partners. In fact, in addition to the reasons of the insurance company, a large part of the reason for the occurrence of claim disputes is due to consumers, such as incomplete preparation of claim materials, insurance during the waiting period, touching the exemption clause, not meeting the insurance provisions of the claim liability, or not truthful health notice.

Therefore, when we make a claim, we must carefully check whether the claim information is missing, look at the dry bucket file to see if the exemption clause has been touched, etc., and we must tell the truth before buying insurance, otherwise it will affect our claim. If you want to know how to make a claim quickly and well, you can click on the following article to take a look:【Insurance Claim】What are the correct postures that are fast and good?

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Commercial insurance can generally run claims in the following ways:

1.After the insured has an insured accident, it is also necessary to notify the insurance company in time and report the case;

2.Prepare claim materials according to the requirements of the insurance company, such as medical expense reimbursement, which generally requires the preparation of the insured's ID card, bank card, outpatient medical record, outpatient invoice, disease diagnosis, total invoice for hospitalization expenses, general list of hospitalization expenses, medical insurance statement, and discharge record; In the case of an accident, it is usually necessary to prepare an accident certificate; If it is a critical illness claim, it is generally necessary to prepare a pathological diagnosis certificate or a hospital diagnosis report. If it is a death claim, it is generally necessary to prepare three death certificates, that is, the cremation certificate, the certificate of household registration cancellation by the public security organ and the medical death certificate issued by the hospital, but many insurance companies simplify the claim procedure and may only need two of them;

3.After the insured is discharged from the hospital, the reimbursement information can be submitted to the insurance company to apply for a claim; If it is a death or disability claim, then it is sufficient to prepare the documents and submit them to the insurance company to apply for a claim;

4.If the insurance company approves the information, the claim will be paid into the bank account designated by the beneficiary of the insured's death.