If I buy a product from a small company, will it be troublesome to settle a claim in the later stage

The insurance claim process of a small company is not troublesome, like most insurance companies, we report the case as soon as possible after the accident, prepare the claim information, such as hospital diagnosis certificate, policy number, ID card, etc., and finally submit the claim information to the insurance company for review, which can be completed in 2-3 days.

Whether you can make a claim or not, whether you are troublesome or not, has nothing to do with large or small companies, which is really one of the major misunderstandings in the insurance industry. There are always people who think that big brands are good, and big companies have high odds. In fact, it doesn't matter at all, whether you can make a claim depends on whether your insurance contract contains it, now the claim is very convenient and humane, after determining the insurance, upload the relevant information or mail the information or submit the relevant information to the local area, and the insurance company can make a claim if the insurance is determined.

People always encounter difficulties in making claims, and it is really not that the insurance company is unwilling to lose money, but that the insurance you buy really does not cover what you need. To be honest, now that ** is so developed, which insurance company is willing to be unhappy for this little money and affect its reputation? You must know that it is not easy to lay down a country in the insurance industry, after all, now something is going on to be carried on a certain Bo and a micro national crusade, for the insurance company, this is too troublesome and too lost, so no insurance company will know that you are the right to take out the risk but deliberately do not pay.

So if you didn't buy it right, how can you blame other insurance companies for not paying for it? Here's a reminder to buy insurance carefully, read it with me, and read the insurance contract carefully, okay?

When buying insurance, you should keep your eyes open, prescribe the right medicine, don't just buy expensive ones that are not practical and not applicable, if you don't understand, you can find an insurance platform to consult clearly before buying. If you have the conditions, you can go to the Internet to see the information, and if you don't want to learn or understand and don't want to suffer, you can go to Duobaoyu to see, it is an Internet insurance platform with a good reputation in the industry. Their family has a special plan customized for Xiaobai, suitable for people who don't want to understand, understand, and don't want to learn.

Regardless of whether it is a large insurance company or a small insurance company, the claim process is generally to report to the insurance company in a timely manner after the accident, submit the claim application and claim information as required, wait for the insurance company to verify, and the claim notice will be issued after the verification is completed, and the claim payment can be obtained if the approval is passed. The claim process is not cumbersome, just follow the instructions step by step. Senior sister has sorted out fast and good claims tips, don't miss it, friends:

Insurance Claims] What are the correct postures that are fast and good? If you don't lose, you will be on the plate!

According to the regulations of the China Banking and Insurance Regulatory Commission, large and small insurance companies need to make timely verification after receiving a claim application. Simple cases generally need to be approved and completed within 5 working days; Complex cases require 30 days to be approved. For relatively simple cases, some small insurance companies can also complete the verification in ten minutes or half a day.

Moreover, the insurance products of both large and small companies are legally valid and are protected by the CBIRC. So what do we need to pay attention to when we look at insurance companies? Check out this article to find out:

When we look at insurance companies, what exactly do we look at?

If you find that the insurance company refuses to pay for the claim when you make a claim, it may be that the insured accident does not meet the scope of the claim, the insurance is out of the waiting period, the content or situation in the exemption clause occurs, the claim information is not complete, the health notice is not truthfully informed, etc. As far as health notification is concerned, those who don't know how to do health notification may wish to take a look at this article:

Is the health notice of the insurance company making it difficult for us?

It is not difficult for small companies to make insurance claims, and it should be judged according to the specific results. If you don't understand the company's situation, you can choose to refuse it first, and then compensate according to the regulations. The insurance company has real regret behind it, so don't do some unnecessary resistance.

Some people buy insurance to protect themselves, but when others rebel against Liang's attack, they have to defend their rights. Don't ask yourself what it is after you have bought something, it will be very painful. You have to go to the insurance claim easily, and you won't let yourself spend a lot of money.

When a small company makes a claim, it will first be rejected, and secondly, others will not agree at all. It's not that you buy something you can't touch or see, but it depends on what other people's attitude towards your company. This kind of insurance protection gives people a very stable attitude, and they will not take serious illnesses to detect.

Small companies may have some cheating behaviors when making claims, and they should find some impartial departments to review and approve. It is very difficult for small companies to operate economically, so it is natural for them to struggle when buying insurance. <>

Although insurance is an industry related to the people's economy, it also needs to be vigorously regulated. If the claims of a small company are very troublesome, no one will want to buy this kind of insurance anymore. When buying insurance, you should also remember some terms and conditions to see how to solve problems after they occur.

Everyone should focus on their own body and be sure to learn more about this aspect of medicine. Private hospital stuff is not covered by these insurances, and it is not the same. <>

In general, if you want a small company to make a claim for Brother Oak Hong, I think you can first conduct an in-depth investigation on the claim. Everyone's understanding of claims is different, but it also needs to be convincing. Someone has hemorrhoids.

After that, if you go to the hospital for surgery, you have to protect them if you buy insurance.

It's not difficult, if I encounter some things, I will directly take the insurance policy to the relevant personnel of the insurance company, and then let them handle things for me, and they also need to give me the corresponding compensation, and will also take the corresponding documents, so it is actually very convenient to operate.

It's certainly not particularly difficult, since the insurance has been purchased, the other party should bear the relevant responsibilities. I will directly call the other party **, let the other party give me compensation, and I will also leave some receipts and evidence related to Yanqi or take pictures.

It is not difficult for small companies to make a claim for group insurance. As long as you take the evidence directly to the company within the scope of the claim, you can settle the claim. I will prepare some evidence in advance and then contact the salesman who bought the insurance.

Insurance claims for small companies are not too difficult; I will let the insurance company solve the problem of oranges, and if I can't negotiate well, I will choose to collect information to sue.

Among the customers who buy a large number of insurance, it is normal for some customers to have insured accidents, so it is inevitable for the insurance company to settle claims. Therefore, the claim is mainly related to the terms of the insurance contract and has little to do with the company.

Scenario 1: Applicants are not eligible for health notice

Health notification is the threshold of health requirements, and its main role is to screen the insured population. If the health notice is seriously not complied with at the time of application, it will have a certain impact on subsequent claims.

Of course, it is not that the health notice is not met, and the compensation must not be paid, in fact, there are many customers who do not understand the health notice and take out insurance.

The second case: malicious insurance fraud

The result of this kind of situation is obvious, once it is determined that it is malicious insurance fraud, it will be 100% denied.

Scenario 3: The insured accident is not covered by liability

In the insurance clause, there are two very important contents, one is the insurance liability, which tells us what to insure; The second is the exclusion clause, which tells us under what circumstances the insurance liability has occurred and will not be paid.

One situation is that if the insured accident is not within the scope of liability, the product will definitely refuse to pay.

On the other hand, even if the insured event is within the scope of liability, it will be denied because it falls under the circumstances specified in the exclusion clause.

As long as there is a banking and insurance regulatory supervision. If you need to make a claim later, as long as you can meet the terms of the insurance agreement, you can apply for a claim.

Small companies are prone to this situation, in fact, large companies will also have this situation, but they have special public relations, and this situation is not fed.

Whether or not to pay for illness is not based on the size of the company, but on whether the disease meets the conditions for claims. When buying insurance, it is recommended to focus on insurance products. Life insurance companies have a registered capital of at least 200 million (paid-in), and in fact there is no real sense of small companies.

The profit of the insurance company**, which is mainly the investment income of the premium.

The Insurance Law stipulates that if it is not an insurance liability, a notice of refusal shall occur within 3 days, and the reasons and reasons for the refusal shall be stated. If it is an insurance liability, the insurance money must be paid within 10 days after the claim is filed.

Some friends are worried that "small insurance companies" will struggle to settle claims or deliberately delay. These insurance laws also clearly stipulate that the right of an insurance company to terminate a contract shall be extinguished if it is not exercised within 30 days. In the event of an insured accident, the insurance company shall compensate or pay the insurance money as agreed.

Small companies are a little more likely to go bankrupt than large companies. What if it goes bankrupt? The Insurance Law stipulates that the bankrupt company will be taken over by another powerful insurance company, and the original company's insurance policy and its reserves will be transferred to the receiver.

Therefore, the rights and interests of consumers are generally and should not be affected.

What the landlord needs to consider is, in case of such bad luck, how much time will it take to restructure the assets of the bankrupt company? How long does it take for a takeover company to take over a bankrupt company in terms of integrating new and old employees, integrating business processes, and sorting out relevant documents? If there is a risk and waiting for money during this window period, how long will it take to wait for the claim to be settled?

If you have to wait for a long time, does the landlord mind? If you can't wait and you are in a hurry to use the money, will the landlord go to the Insurance Authority to pull up banners?

The important thing to do when making a claim is to see if the terms of the claim are harsh.

The difficulty of insurance claims is not due to the small or big problems of the insurance company, but to the insurance contract. Because we buy insurance not because we buy the popularity of the insurance company, but the insurance product, all the insurance company's claims are executed in accordance with the insurance contract. When it comes to the difficulty of settling claims, many times you don't read the insurance contract clearly, so how should we read the insurance contract?

Teach you how to identify the pitfalls of the insurance contract! "Teach you how to identify the pitfalls of the insurance contract!

1.Failure to tell the truth (insurance with illness):If the consumer conceals his physical condition when applying for insurance, and does not truthfully tell what disease he has suffered from or is suffering from, and what symptoms he has appeared, the insurance company will have a reason to refuse to pay even if he has an insurance later.

2.Insurance Exclusions:The insurance contract usually has some exclusions, such as if you have suffered from a certain disease before, or there are precursor symptoms of the disease, the insurance company will usually exclude the coverage, that is, the insurance company will not pay for certain diseases due to these symptoms, and the insurance company will not pay for the suicide of the insured, the intentional killing of the insured, etc.

3.Claims that do not meet the definition of insurance terms or are not covered by the contract:For example, if the customer has had a minor stroke, but the minor illness in the insurance contract does not include a minor stroke, it is obviously not compensable.

Another example is that the customer has diabetes, but the inspection data does not meet the definition of diabetes in the contract, and naturally will not pay, so when applying for insurance, you must read the terms of the insurance contract and the standard of disease compensation.

4.Accidents do not correspond to the type of insurance:For example, if a customer buys a participating insurance, it is a wealth management insurance, but if there is an illness or hospitalization, the insurance company will not pay for it, and what kind of insurance product will correspond to what kind of protection liability.

5.Observation period (waiting period) has not passedCritical illness insurance, medical insurance, and life insurance all have a waiting period, if the waiting period has not passed, even if there is an insured accident that meets the insurance contract, the insurance company can also refuse to pay, so when choosing a product, try to choose a product with a short waiting period.

6.Failure to report the case in a timely manner:Each insurance company requires a different time to report the case, if you fail to report the case within the time specified in the contract, the insurance company will not make a claim, so when applying for insurance, you must pay attention to the claims in the contract terms, and try to report the accident within the first time.

But if you encounter an unreasonable refusal, you must protect your rights and interests: >> you encounter an unreasonable refusal, you can deal with it like this!

It's not a problem that claims are difficult, it's that you don't understand, there's no way to confront them, because the insurance company's claims are reviewed by its internal staff, it is inevitable that there will be deductions, concealment, fraud and other similar situations, so we have built a **, a special service for insurance claims.

This is misleading. In fact, whether it is difficult to settle a claim depends not on the size of the insurance company, but on the contract.

Many clauses in the insurance contract are uniformly defined by the industry, which is very rigorous and meticulous, and is subject to the "Insurance Law".

The insurance company will not refuse to pay at will, and we are not afraid of him refusing to pay, the key is that we must truthfully inform and recognize the terms of the contract when applying for insurance, what to cover, how long to cover, how to insure, and what not to pay.

Only by understanding these terms can we make the claim more smoothly.