How long does it take for health insurance to take effect when you buy commercial insurance

Commercial health insurance generally includes critical illness insurance and medical insurance。In health insurance, there is a key word:Observation periodAlso known as the waiting period

The observation period refers to the expenses incurred by the insured for illness during a period of time from the effective date of the contract when the insured first applies for insuranceThe insurance company will not pay

Judging by the time limit of the observation period,The observation period for medical insurance is generally 60 days or 90 days, whileThe observation period of critical illness insurance is generally 90 days, 180 days, and one year。For the policyholder and the insured,The shorter the observation period, the better。Because the shorter the observation period, the sooner the coverage will begin.

If the two products are very similar in terms of protection, **, etc., of course, choose a product with a shorter observation period, and you need to pay attention to these problems when buying insuranceWhich insurance is better, how to buy a good deal, and teach you to avoid these pitfalls of insurance

So, why set up an insurance observation period?

In fact, the reason for setting up the insurance observation period is very simple, it is forPrevent moral hazardThat is, the insurance company is insured in order to prevent customers from getting sick。Because most of the insurance regulations are of the same nature, controllable risks, if there is no insurance observation period, some people willIn the case of poor physical conditionor if you are already sick, you can choose to buy insurance, so that the insurance company will pay more than it can afford or will have to raise the premium.

That's why insurance companies require customers to be truthful about their health, and you can check out this articleIs the health notice of the insurance company making it difficult for us?

In general, it is not a bully clause for insurance companies to set an observation period, if you want to avoid insurance during the observation period, the best way is to configure insurance as soon as possible!

That's all I've got on the issue, I hope it helps!

Hope!

Depending on the type of insurance, a 10-day cooling-off period can take effect, but there is also an observation period, which is generally 90 days.

Hello friends, the medical treatment for serious illness is 180 days and the medical treatment for minor illness is 30 days.

It is usually 180 days, except for the regeneration.

Hello, I am a staff member of Ping An of China, medical insurance 30 days, critical illness insurance 90 days, is the least waiting days in the industry, you can consult.

Hello! Generally, it is 180 days, and there is no observation period for renewal.

Critical illness insurance has a 180-day observation period, cancer insurance one-year observation period, I am the little grandson of Chinese Shou, you can add me specifically, I will give you a detailed explanation.

It takes 3 months (some insurance companies stipulate half a year) after the insurance purchase for the insurance agreement to take effect. These 3 months or half a year are called the wait-and-see period by the insurance company. This is mainly because some major diseases have a gradual process, which is reflected in medical insurance, and the policyholder may not know that he has suffered from a certain disease when he buys insurance, in fact, he is already a "patient" (there are also cases where the policyholder deliberately conceals it).

The insurance company believes that it is unfair to have the insurance company bear the responsibility for such large medical expenses that may occur immediately after the insurance is applied. Therefore, the wait-and-see period is set by the insurance company to prevent unwitting concealment and deliberate concealment. The insurance company is not responsible for the medical expenses incurred during the wait-and-see period.

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

Hello, it will take effect the next day at the earliest. When the insurance is purchased and the premium is paid, it generally takes effect on the next day, but after the effective date, the waiting period must pass before you can apply for a claim, and the waiting period is different for different types of insurance products. Here are the waiting periods for several common insurances.

1. The waiting period for critical illness insurance is generally 90 days or 180 days; 2. The waiting period for medical insurance is generally 30 days; 3. The waiting period for life insurance is generally 180 days. There is no waiting period for accidental injury. ”

Under normal circumstances, after buying insurance, it will be effective from the next day, but there is a waiting period after it takes effect, if there is a need to make a claim, you must wait for this waiting period to pass before you can apply, different insurance waiting periods.

There are also differences, for example, critical illness insurance generally has to wait for three to six months, medical insurance is generally one month, life insurance is also six months, and accident insurance is more special and there is no waiting period. In order to avoid user fraud, most insurance companies set up a waiting period, if the waiting period is over, you can lose money, but within the waiting period there will be suspicion of insurance fraud, and the waiting period for different insurance is not the same, such as critical illness insurance is three to six months, medical insurance is one month, life insurance is also six months, accident insurance will be special, there is no waiting period, After signing and handling, if you encounter an accident, you can directly lose money. Therefore, when we buy insurance, we must observe the date when it takes effect, do not think that you can get compensation after signing, and when choosing insurance, we should also look at the regulations, and it is best to buy some insurance with a short waiting period, which is more beneficial to ourselves.

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Legal analysis: 1. Social security: It can take effect in the next month after participating in the insurance, and it can be reimbursed for medical treatment, but it cannot continue to be reimbursed after 3 months of interruption; 2. NCMS:

Generally, it is purchased from September to November of each year, and takes effect on January 1 of the following year; 3. Commercial medical insurance: generally there is a hesitation period, after the hesitation period takes effect, how long depends on the terms of the specific insurance product, there are 10 days, 30 days, 60 days.

Legal basis: Social Insurance Law of the People's Republic of China

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Article 58 An employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

The effective time of different insurance products will also be different, taking health insurance as an example, health insurance generally has a waiting period, and the effective time will be relatively long. Among them, the waiting period for ordinary hospitalization medical insurance is generally 30-90 days, and the waiting period for some long-term critical illness insurance may reach 90 days, 180 days or even one year. The specific terms and conditions of the health insurance product shall prevail.

The waiting period, also known as the insurance company's observation period or exemption period, refers to the time specified after the purchase of health insurance insurance, even if an insured accident occurs, the insurance company will not pay the claim.

Accident insurance, on the other hand, generally does not have a waiting period, and after the insurance is taken, it will take effect after 12 o'clock in the evening. This is because accidents are inherently uncertain and cannot be preemptive, so there is no need to set a waiting period.

In addition, for some products that can be renewed, there is generally no waiting period after successful renewal, such as our common million medical products.

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Insurance claim settlement refers to the process in which the insurance company reviews the insured amount and gives the insurance money to the insured person after the occurrence of the insured event after the occurrence of the insured event in accordance with the provisions of the insurance contract. So, how long does it take to settle an insurance claim?

In fact, the insurance claim time is generally determined by the insurance company according to the specific insured event, and each insurance company has a different review and claim process, so the claim settlement time is also different. However, generally speaking, the insurance company will review the claim application as soon as possible after receiving the claim application from the policyholder or the insured, and pay the insurance money as soon as possible.

First of all, after receiving the claim application from the policyholder or the insured, the insurance company will send professional and technical personnel or other professionals to the scene as soon as possible to investigate, so as to collect evidence about the occurrence of the insured accident, and conduct a preliminary review of the nature, cause, and degree of loss of the insured accident, so as to determine the amount of insurance money.

Secondly, the insurance company will also review the claim application submitted by the policyholder or the insured in accordance with the provisions of the insurance contract to verify the authenticity of the insured accident and whether the compensation rights and interests of the policyholder or the insured comply with the provisions of the insurance contract. If the review is passed, the insurance company will pay the insurance money according to the audit results.

Finally, the insurance company will give the policyholder or the insured the corresponding insurance money according to the specific circumstances of the insured event, and release the insurance money to the policyholder or the insured in the form of cash or check.

In general, the insurance claim time can generally be divided into three stages: the report stage, the review stage, and the claim settlement stage. Generally speaking, it generally takes 1-2 days for the reporting stage, 3-5 days for the review stage, and 1-2 days for the claim stage, so the insurance claim settlement time is generally about 7 days.

Of course, the time taken to settle an insurance claim may also vary depending on the specific circumstances of the insured event, and if the insured event involves complex evidence, the review time may be extended, and the claim settlement time may be extended.

Therefore, in order to obtain a faster claim, the policyholder or the insured should report the case as soon as possible and prepare relevant evidence and information, so that the insurance company can review it as soon as possible and give the insurance money as soon as possible.

Commercial insurance generally takes effect from 0:00 on the next day when the policyholder submits an application for insurance, the insurance company agrees to underwrite, establishes an insurance contract, collects the first premium and issues an insurance policy, and the specific effective date of the contract will be stated on the insurance policy. Unless otherwise agreed, the date on which the contract takes effect is the date on which the insurance company begins to assume the insurance liability. Some friends may think that if you buy social security, you don't need to buy commercial insurance, but in fact this is not the case

If you have social security, you don't need to buy commercial insurance? What is the difference between social security and commercial insurance?

However, if it is a product with a waiting period, the insurance company may not be liable for the claim if the insurance is caused by a non-accident during the waiting period, which is to avoid people with ulterior motives from cheating the insurance. Health insurance generally has a waiting period, with a waiting period of 90 180 days for critical illness insurance and 30 days for macro medical insurance. However, if the insurance is insured during the waiting period, it is not completely impossible for the insurance company to make a claim, such as the situation mentioned in this article:

During the waiting period, the insurance company will not pay? If you don't understand, you'll suffer a big loss!

So if we want to buy commercial insurance, how should we buy it? In terms of channels, you can choose online channels, such as the official website of the insurance company** APP or a compliant third-party insurance brokerage platform; You can also choose the offline channel of the line slag Xiang, that is, the offline business point of the insurance company or insurance brokerage company, etc. In terms of insurance types, you generally need to first configure critical illness insurance, million medical insurance and accident insurance, and on this basis, if you have spare money and want to manage your finances, you can apply for annuity insurance, increased whole life insurance and other financial insurance.

Hope!