My accident insurance has been handed over for more than ten days, and I haven t made a claim yet

Which accident insurance do you buy? Maybe your information is not complete, and you haven't actually submitted it to the claims department. Nowadays, the claims of various companies are very fast, and as long as the insurance information is prepared and submitted to the company, it is time-limited.

The case will be closed in a few hours for a small amount, and the maximum 30 days for a particularly major case is recommended that you go to the claims department for a detailed inquiry.

There are a lot of claims from insurance companies, so it affects your claim time. Thank you.

If the formalities are complete and the procedures are met, the claim will be settled quickly. It may be due to the high amount of accident insurance claims, which needs to be strictly reviewed by the company, so be patient!!

The timeliness of claims settlement is an evaluation criterion for the service quality of insurance companies! 2-5 working days to claim accidental medical insurance is the basic requirement.

Hello! It may be that the claim information is incomplete.

If the information is incomplete, you can contact your insurance person first.

It may be that there are many claims, so please be patient.

If the information comes down in a few days, it is generally unexpected for up to two days.

Whether it is an accident insurance purchased by an individual or a group, the accident insurance purchased by a group is generally slower.

Call customer service to manual service and ask to check the progress of the claim.

The formalities are complete, and the case will be closed in three days.

Consult with the insurance ** person.

The key is whether you have accident insurance.

Hello, AIA has been specializing in life insurance for 97 years, and claims are settled quickly.

What's the situation? Can you describe it? I'll help you break it down.

Which insurance company, Chinese Life will not.

It depends on the company you buy in and what type of insurance.

Contact your salesman, he will help you with what documents you need for a claim?

You can contact your salesman and ask them to help you see what may be the problem.

Hello, if you have lost anything, you can contact the salesman to see.

Which company's? The individual risk is fast, and the group risk is slow.

Which insurance company did you buy, and it usually arrives in two days if you are safe.

Summary. Hello dear! We'll be happy to answer for you. <>

I bought accident insurance from the insurance company, but I had an accident and forgot to report it, and I was discharged from the hospital after 10 days. Most insurance companies will require the insured to report the accident in a timely manner, for example, some insurance companies will require the accident insurance to report within 24 hours or 48 hours after the accident, which can be obtained from the insurance company. After reporting the case, it is usually stipulated that the insured of the accident insurance can apply for a claim within two years, and if the claim has not been filed after two years, then it means that the insurance company can no longer apply for a claim.

I bought accident insurance from the insurance company, and I had an accident and forgot to report it, can I still report it after I was discharged from the hospital after 10 days?

Hello dear! I'm glad to answer for you. <>

I bought accident insurance from the insurance company, but I had an accident and forgot to report it, and I was discharged from the hospital after 10 days. Most insurance companies will require the insured to report the accident in a timely manner, for example, some Baoshan silver insurance companies will require the accident insurance to be reported within 24 hours or 48 hours after the accident, which can be obtained from the insurance company. After reporting the case, Tongbo often stipulates that the insured of the accident insurance can apply for a claim within two years, and if the claim has not been applied for after two years, it means that the insurance company can no longer apply for a claim.

Therefore, if an insured accident occurs, the insured or his family should also notify the insurance company in time, and apply for compensation in time after bing, Chundou should not delay for too long, otherwise it will be very cost-effective to affect the claim.

Since you can't provide policy information, there are some specific practical operations that can't give you answers, so my personal suggestion is to take a detailed look at the coverage of your employer's liability insurance - that is, insurance liability.

Traditional employer's liability insurance only covers the employee's accident liability similar to a work-related injury, but at present, many companies will extend the liability to 24 hours, so it is not much different from the group accident insurance liability.

As for the problem of duplicate compensation, it can be answered from an insurance principle - the principle of loss compensation, which emphasizes that individuals cannot unjustly gain through insurance, but can only obtain reasonable compensation for personal losses.

I'll give you an example: your employee has an accident.

1. The reasonable accident ** cost is 30,000 yuan, and the insurance limit for accidental medical expenses in the employer's liability insurance you insured is 10,000, and the insurance amount for group accident medical treatment is 10,000, then the final compensation is that both companies pay in full = 10,000 (employer's liability insurance) + 10,000 (group insurance) = 20,000.

2. The reasonable accidental medical expenses are 20,000, the employer's liability insurance is 10,000, and the group accident medical insurance is 20,000, assuming that the employer's liability insurance claims first, then the amount of compensation is = 10,000 (employer's liability insurance) + 10,000 (group accident medical treatment) = 20,000.

Next is the claim: if you have an upset stomach, go to the bathroom first, and then answer if you need it. However, you can be reminded that according to the information required by the insurance company, after the first insurance company makes a claim, the insurance company is required to return the original information, and then go to the second insurance company to make a claim.

The first insurance company may stamp the invoice, so you can't fake the invoice.

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

1. Report the crime.

Call the report on your policy**.

2. Provide claim information and related documents.

1. Request a claim form.

2. Collect relevant supporting information according to the situation of the insured product and the type of insurance money applied. For example, receipts of medical expenses, outpatient and emergency medical records, disability certificates, etc. caused by personal accident insurance; Home property insurance needs to provide a list of losses, shopping invoices, fire department fire certificates, and more.

3. Mail or fax the relevant claims and old claims and documents prepared by EMS and DDS to the insurance company.

3. Enquire about the status of the claim.

4. Check and collect insurance benefits.

After receiving the complete claim information, the insurance company will review the information within 30 days after the audit information is correct, and the audit results and the claim list will be sent for verification within 30 days, if there is no objection, we will notify the insurance company to transfer the insurance payment to the account.

5. Case closed. The customer service staff will pay a return visit to the customer, confirm the receipt of the insurance compensation, and finally close the case.

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

1. Can you prove that the injury after 17 days was a work-related injury at that time? For example, a report issued by a hospital. 2. If any, it belongs to the scope of work-related injuries.

When submitting the materials, if the insurance company refuses to make a claim, it should issue a "Notice of Refusal", which will state the reasons for the refusal. 3. You get this written refusal to pay compensation, and compare the insurance terms (there is an insurance policy, if there is no online check) I remember that the book insurance is based on the claim time limit, but not more than 10 days so short, it should be far beyond this time limit. Of course, subject to the terms of the insurance.

Finally, don't forget. The insurance company can indeed refuse to pay according to the insurance contract, after all, it is 17 days after reporting the case. Therefore, it is better to pay more attention in the future.

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

According to the relevant regulations, the insurance company should pay the compensation within 10 days after receiving the materials. The specific time is related to the sense of responsibility and efficiency of the staff of each company. Because I don't know what your terms are, I can't know exactly how much I can pay.

The general forms of compensation are as follows:

1.Review the medical expenses in accordance with the local medical insurance reimbursement policy, and deduct the self-paid part of the drug and the self-paid part of the class B drug;

2.First of all, review the medical expenses according to the local medical insurance reimbursement policy, and then deduct the absolute deductible of 100 yuan after deducting the self-paid drugs and the deductible part of Class B drugs, which is your compensation amount;

3.The medical expenses will be reviewed in accordance with the local medical insurance reimbursement policy, and 80% of the medical expenses will be paid after deducting the self-paid drugs and the self-paid part of Class B drugs.

Your insurance policy, i.e. the insurance liability column in the insurance contract, is written to state. It's not the same for each insurance company. For example, in terms of accident insurance, if you keep the accidental medical part, such as accident insurance, in addition to the 100 yuan deductible, the hospitalization or outpatient expenses will be reimbursed 100% according to the amount you bought.

However, items or drugs that are not reimbursed by medical insurance are not included in insurance reimbursement; If the disability is determined after 180 days, there will be a disability pension ranging from 10% to 100% according to the disability ratio. If you buy accident insurance, you will not be paid if you are hospitalized due to illness. Or only bought accident insurance, did not buy accident medical insurance, and there will be no insurance to pay.

If you are eligible for a claim, it will be reported in about 7 days. Except for difficult cases (such as survival investigation or disability, etc.).

Three months at most, half a month at least.

Personal accident insurance generally refers to accident insurance, which refers to life insurance that takes death or disability caused by accidental injury as the condition for paying insurance benefits.

Accident insurance is responsible for the insurer's death and disability caused by accidental injury, and is not responsible for death caused by disease.

As long as the event of the accidental injury suffered by the insured occurs during the insurance period, and the consequences of death and disability are caused within a certain period of time (within the liability period, such as 90 days, 180 days, etc.) from the date of the accidental injury, the insurer shall bear the insurance liability and pay the insurance benefits.

In domestic conventional insurance, accident insurance generally does not have an observation period, that is, it takes effect in the early morning of the next day after purchase, so as long as the risk occurs within the insurance period, you can apply for compensation according to the terms.

Normally, accident insurance takes effect 24 hours after you apply for insurance. tel18686683708

The insurance period of accident insurance is calculated from the effective date of the policy.

Personal accident insurance has not come down after buying an insurance policy, and the accident insurance company is the voice of most customers who buy insurance, and we don't know the relevant regulations and instructions in this regard, so I will answer you with professional knowledge.

The effective time of the accident insurance is as follows:

1. China's accident insurance is in accordance with the 'insurance system from 0:00 the next day', that is, the contract will officially take effect at 0:00 the next day, which is for the case of an insurance contract.

According to the provisions of the Insurance Regulatory Bureau, the payment is successful on the same day, the bank has successfully deducted the money, and the insurance will take effect at 0:00 in the evening, and the insurance company will be liable for compensation for the death, disability, medical hospitalization and other insurance contracts caused by accidents that occur after 0:00! There is no waiting period for accidents because accidents are unpredictable.

2. If you buy card-type accident insurance, then as long as the insurance company receives the premium, it will take effect immediately. This is the case, for example, with accident insurance purchased when buying a ticket.

3.Sickness insurance has a 90-day or 180-day observation period, and it is not covered during the observation period! Prevent you from cheating on insurance, know that you are unwell, buy insurance today and go to the hospital tomorrow to find out if you have a serious illness, so that the insurance claim is not possible, and the insurance company has also formed today's contract after a long time of polishing and budgeting.

So to sum up, sit down and see which category you belong to, and it has nothing to do with whether the policy comes down or not.