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If you buy health insurance or medical insurance, you must prepare an invoice issued by the hospital, a list of medications or prescriptions, and an outpatient medical record if you go to the outpatient clinic, and then go to the insurance company and the family will give you a claim application, which is generally the policy number, ID number, and then describe why you went to the doctor (sprains can describe the sprained hand), and then sign to confirm, generally you go to the insurance company to teach you.
If you don't understand, just ask, if you pay the premium, they should serve you, and the general attitude will not be bad. Or you can call the person who manages the claim to the insurance company. The person who is looking for kindergarten asks the insurance company to manage the number of the person who pays for it.
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Kindergartens generally have insurance for babies. For accidents, you can apply for a claim.
First of all, you must submit the baby's identity certificate, household registration, and the parent's identity certificate. There is also a kindergarten helping the baby buy a school insurance policy, which may also be a card. Then let the kindergarten issue an accident statement (it can also be issued by the neighborhood committee, and there must be an official seal).
Then, you need to ask the hospital for information: if the baby is hospitalized, ask for the baby's medical records, daily medication list, discharge diagnosis, invoices, and if there is an outpatient clinic, the outpatient manual.
Finally, it's time for you to say you're going to fill out this form. You have all the materials I mentioned in your hand, and it's easy to fill out that form.
If you don't understand anything, just look for me. This table is not very clear.
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sunnyma1986 he was right, but; Hehe! You first have to see what kind of insurance you are insuring, and whether there is any additional (accidental injury medical insurance) If you are sorry, you will not be able to pay for it. Because this is caused by an accident, only accidental medical treatment can be reported.
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The process is not much different from that of car insurance, mainly because of the different areas of claims expertise involved.
Investigation, damage assessment, reporting, filing, damage verification, adjustment, and case closure.
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Non-motor insurance refers to insurance in addition to car insurance.
The non-motor insurance business of a property insurance company refers to all businesses except for the vehicle insurance business. Specifically, it refers to enterprise property insurance, home property insurance, engineering insurance, liability insurance, credit insurance, guarantee insurance, cargo insurance, agricultural insurance, special insurance, accident health insurance, social security business, etc. Motor insurance business and non-motor insurance business constitute the sum of the business of property and casualty insurance companies.
With the further intensification of competition in the insurance market, non-motor insurance business has become the strategic commanding heights of domestic property insurance entities.
How to balance the business structure and achieve the balanced development of auto insurance and non-auto insurance is a problem that many insurance companies focus on thinking about and solving.
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The meaning is as follows:
1.The "not" of non-auto insurance means "not", because the proportion of vehicle insurance in property insurance companies is large, so property insurance companies generally divide the business types into auto insurance and non-auto insurance in terms of business classification and statistics.
2.The scope of non-motor insurance is very broad, including: short-term accident insurance, corporate property insurance, transportation insurance, etc. After figuring out the concept of non-auto insurance, non-auto insurance claims will be correspondingly clear.
According to the Insurance Law of the People's Republic of China, the requirements for non-motor insurance are as follows:
1.The provisions on the approval and filing of non-auto insurance terms and rates should be strictly observed, and it is strictly forbidden to arbitrarily expand insurance liability;
2.The pure risk loss rate table should be strictly implemented, and vicious and disorderly competition should be strictly prohibited;
3.The management of endorsement refunds, premiums receivable and expenses should be strengthened, and it is strictly forbidden to pay rebates and engage in commercial bribery by means of false endorsement refunds, false premiums receivable, and false listing of operating expenses;
4.It is necessary to strengthen the management and system construction of all aspects of claim settlement, put an end to false claims, and prevent the phenomenon of "running, running, dripping, and leaking" in the claim settlement process.
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Non-car insurance is other insurance other than car insurance, mainly including property damage insurance (enterprise property insurance, family property insurance, etc.), liability insurance, accident insurance, cargo transportation insurance, transportation insurance, engineering insurance, agricultural insurance, short-term health insurance, etc.
The business of property and casualty insurance companies is generally divided into motor insurance business and non-motor insurance business. Group accident insurance, employer's liability insurance, public liability insurance, marine insurance, corporate property insurance, and family property insurance are all non-auto insurance.
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What does the on-board non-car insurance premium mean?
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Non-auto insurance refers to insurance other than automobile insurance, such as corporate property insurance, home property insurance, engineering insurance, liability insurance, credit insurance, guarantee insurance, cargo insurance, agricultural insurance, special insurance, accident health insurance, social security business, etc.
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Non-car insurance means that it is not about the type of insurance for the vehicle.
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As a non-auto underwriter of a property insurance company, I would like to add that the brother upstairs has already spoken more completely.
However, at present, the major property insurance companies are divided into departments and types of insurance slightly different, such as PICC property insurance, Pacific property insurance, Taiping property insurance for the non-auto insurance (business) management department, and Ping An property insurance, Sunshine property insurance, Yongcheng property insurance, etc. for the property insurance department, and some companies will set up agricultural insurance, marine insurance, freight insurance, and health insurance as a separate department, although they also belong to the category of non-car insurance, for reference only.
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What is non-car insurance, you have to go to the woman's insurance company to consult, this is also a new type of insurance that has just been launched.
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International insurance is divided into life insurance and non-life insurance. As the name suggests, life insurance is insurance based on a person's life expectancy, and vice versa for non-life insurance.
However, in China, the subject matter of insurance is divided into two categories: property insurance and life insurance.
Property insurance refers to insurance that takes property and its related interests as the subject of insurance, including property loss insurance, liability insurance, credit insurance, guarantee insurance, agricultural insurance, etc. It is a type of compensatory insurance that takes tangible or intangible property and its related interests as the subject matter of insurance.
Life insurance is insurance that takes a person's life and body as the subject of insurance. When people suffer an unfortunate accident or become incapacitated due to illness or old age, become disabled, die or retire in old age, the insurer pays insurance money or annuity to the insured or beneficiary according to the provisions of the insurance contract to solve the economic difficulties caused by illness, disability, old age or death.
Let's talk about car insurance, the subject of car insurance has nothing to do with people, it is insurance with motor vehicles as the subject matter. Therefore, car insurance belongs to the subdivision of the type of property insurance.
In fact, car insurance includes many types of insurance, among which the three belong to the category of liability insurance, car damage, theft, glass and scratches belong to the category of property damage insurance, and the people on the car belong to the category of personal accident insurance. However, due to the large proportion of its business in China's property insurance companies, it is separately managed.
Non-car insurance is property insurance other than car insurance, that is, property insurance that does not use motor vehicles as the subject matter.
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Answer 1: The "non" in non-auto insurance means "not", and insurance companies generally divide business types into auto insurance and non-auto insurance in terms of business classification and statistics according to the reason that vehicle insurance accounts for a large proportion of property insurance companies.
2. The scope of non-auto insurance is also very extensive, including transportation insurance, short-term accident insurance, corporate property insurance, etc., if you understand the concept of non-auto insurance, then the scope of non-auto insurance claims is correspondingly clear.
3. Motor vehicle insurance is a kind of guarantee for the popularization of automobiles, and the risk of road accidents constitutes a universal social danger; On the other hand, many countries include third party liability for various motor vehicles, including automobiles, in the scope of insurance.
I hope you find the answer helpful, but do you have any other questions about this? If not, click Follow me in the upper right corner, and if you have any questions in the future, click directly on my avatar to serve you again!
Have a great day
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What does non-motor insurance premium mean? Need to buy?
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Compulsory traffic insurance does not pay, compulsory traffic insurance is to compensate you for the loss of a third party, three liability insurance is not compensated, and the principle of compulsory traffic insurance is the same, seat insurance is not compensated, seat insurance is paid when you have an accident during driving, if you buy accident insurance, you can pay from the accident insurance.
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400-611-6666
Bohai Property & Casualty Insurance Co., Ltd. (hereinafter referred to as "Bohai Property & Casualty") was initiated and established by a state-owned backbone enterprise in Tianjin, opened on October 18, 2005, and is the first national property insurance company headquartered in Tianjin.
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How to escape when a car falls into the water in an accident? Remember these three tricks to save your life at critical moments.
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Any insurance company has their report on their insurance policy and insurance card**. Some insurance companies need to provide an insurance policy number to accept a report, and if you take out the insurance policy and look at it, you will know the report ** and the insurance policy number.
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Yinan Bohai Insurance Company**.
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Call 114** and provide you with the unit information you need.
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On the 15th, according to the "Specification", in principle, the car insurance case is reported that the case is filed, and the insurance company should file the case in the claims information system in a timely manner after receiving the report, and the system should set up the mandatory automatic case filing function if the case has not been filed for more than 3 days. Non-motor insurance cases should be filed within 15 working days after reporting (unless otherwise agreed in the contract).
For motor insurance and non-motor insurance cases that have not been filed within the specified date, the insurance company shall assess the loss through the claims system, and the assigned amount shall refer to the average closed amount of similar cases in history or other reasonable statistics.
Reserve is the capital reserve that the insurance company withdraws corresponding to its insurance liability in order to ensure that it fulfills its future liability as agreed. Due to the complexity of the assessment, some companies have insufficient reserves and irregular withdrawal processes.
In view of the above situation, the Specification sorts out the management of the whole process of reserve assessment, and makes detailed provisions on the collation and verification of basic data, actuarial model and information disclosure of reserve results.
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Most of the underwriting is medical insurance, like this kind of insurance is the insured is hospitalized due to illness and will be denied according to the situation of the insured after the compensation, if it is useless, there is very little possibility of refusing insurance at will, if there is a complaint from their company**, truthfully explain the situation!
The agreement payment is to negotiate a ** between the insurance company and the car owner. When the damage to the vehicle is severe and the repair cost may exceed the depreciated value of the vehicle, the insurance company will not recommend repairing the vehicle and will pay directly the replacement value of the vehicle minus the salvage value. However, this value is not unilaterally determined by one party and needs to be assessed by a third party. >>>More
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