Chinese Life Insurance can settle claims all over China, right?

Yes, there is no problem in **out of insurance** claim, but if you make a claim in the place where you buy insurance, find the person who sold your insurance and then he will handle it for you, and the required documents and everything are ready for you or let you prepare, and it may not be so convenient to go elsewhere to handle it.

The difference is that some small cities do not have a physical company, so you can apply for a claim by mailing materials. The same is true for other insurance companies. Some small amounts can even be claimed online, and the original does not need to be mailed, as long as the photo**.

It is a national joint guarantee.

Chinese Auto Insurance has many national joint insurance claim outlets and reliable reputation. Chinese car insurance includes vehicle damage insurance and third-party liability insurance.

Whole vehicle theft insurance, newly added equipment loss insurance, glass breakage insurance, spontaneous combustion loss insurance, and on-board liability insurance.

Premiums and on-board cargo drop liability insurance, excluding deductible special insurance premiums, etc.

Chinese People's Property Insurance Shares****.

**The car insurance business was opened in 2005, and in 2007, it was the first in the industry to launch the "car insurance butler" service, providing free door-to-door charging and delivery, free door-to-door pick-up, damage assessment, maintenance, claim settlement and one-stop service including bridge, and car inspection service. 2009 Chinese Property Insurance.

Launched ** direct sales of special car insurance products, call the 4001234567 ** direct sales hotline to apply for family self-use vehicle car insurance products, the coverage is exactly the same as traditional car insurance products, and the premium** can enjoy up to 15% discount on the basis of traditional car insurance discounts.

It has a network of institutions all over the country in urban and rural areas, including more than 10,000 institutional outlets and more than 320 prefecture (municipal) level underwriting and claims customer service centers. In Beijing, PICC P&C has 35 business units, 25 claims sub-centers, and 200 cooperative direct claim 4S stores, covering all districts and counties in the city. In 2010, PICC property insurance premium income of 100 million yuan, market share.

Firmly ranked first; There are 41.82 million insured vehicles in the country, with a premium income of 100 million yuan, ranking first in terms of market share; There are 1.6 million insured vehicles in Beijing, with a premium income of 100 million yuan and a market share, ranking first.

In addition, the negotiation is fierce, and the purchase of PICC ** car insurance.

During the insurance period, you can enjoy unlimited free rescue nationwide, unlimited free breakdown assistance nationwide, direct compensation and quick repair for various models, express claim service, 1 hour notice of compensation below 10,000 yuan, national general compensation for non-local insurance, transparent inquiry and other services.

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

The determination of general liability is determined by the traffic police issuing a certificate of responsibility for the accident. If it is determined that you are not responsible and the other party is fully responsible, then the other party generally bears all the losses, and if the other party has purchased car insurance, then Kuankai is liable for compensation by the other party's insurance company (Chinese Life Property Insurance Company).

1. Since there is a loss assessment by the other party's insurance company, the initiative will generally be in the hands of the other company. As for whether it is possible, go to the 4S shop you recommend for repair, and it depends on how you negotiate with the other car owner and the insurance company. If you insist on going to the place where you want to repair, if the other party refuses or harms your interests, then you can file a complaint with the insurance company** or the Banking and Insurance Authority**.

2. Generally speaking, the losses caused by insured accidents are mainly repaired first. This depends on the degree of loss, if the replacement conditions are met, then the other party will definitely replace it for you.

3. Most insurance companies have a cooperative relationship with the 4S shop, and generally sign a direct compensation agreement, which means that you can leave directly without payment after repairing the car, provided that the insurance company can directly pay the compensation to the 4S shop after being authorized by the owner. If no agreement is signed, you can negotiate with three parties.

4. If you encounter difficulties, you can consult the traffic police, your own insurance company, or you can complain to the Banking and Insurance Regulatory Bureau if there is a dispute.

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

Chinese life insurance is generally compensated nationwide.

Car owners who want to enjoy this type of service also need to meet certain conditions. In addition to the need to be within and outside the validity period of the policy, some insurance companies can only implement free rescue in urban areas, and generally only apply to non-business passenger cars with less than 12 seats, and cannot enter special traffic control areas.

For example, Ping An Property Insurance stipulates that the free roadside assistance service covers areas within 100 kilometers of urban centers across the country and can be reached by rescue vehicles, of course, the scope of services does not include special traffic control areas.

Compensation and payment means that customers can handle claims at any Chinese Life customer service center in China, and the company that accepts claims applications will contact and provide relevant claim settlement services such as receiving reports, accepting claim applications, notifying and paying in different places.

For example: a customer has purchased insurance in Chinese Life Insurance Co., Ltd. **** Tianjin Branch, and it happens that the customer wants to handle claims or preservation business such as claims settlement and insurance payment during the public trip in Shenzhen, and the customer can bring relevant materials to the nearest Chinese Life Insurance Company in Shenzhen to apply for claim or preservation, and the company's staff will quickly solve the customer's claim or preservation business needs through the company's business system.

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

The term for Chinese life claims is generally five years.

China's Insurance Law stipulates that the statute of limitations for life insurance claims is five years, and the right of the insured or beneficiary of life insurance to request payment of insurance money from the insurer shall be extinguished if it is not exercised within five years from the date on which he or she knows that the insured event has occurred.

Life Insurance Claim Process:

First, report the crime. Under normal circumstances, the policyholder should notify the insurance company within 10 days after the occurrence of the insured event, but because the timeliness of claims for each type of insurance is different, it is necessary to report the case in time according to the provisions of the insurance contract to prevent the loss of their interests. After reporting the accident, the insurance company or salesman will inform the customer whether the accident occurred is covered by the insurance liability.

Clause. 2. Prepare the required documents. In order to protect the interests of all policyholders and prevent anyone from cheating on insurance, the insurance company will definitely require the insured to explain the details of the situation and provide evidence of loss within the specified time.

Regardless of the type of insurance, the beneficiary needs to prepare the original insurance policy, the original ID of the insured and the beneficiary, and the invoice for the latest premium paid when making a claim.

Clause. 3. Prepare a medical division list. If the insured has basic medical insurance and the social security has reimbursed part of it, then when making a claim to the insurance company, it is necessary to present the medical expenses reimbursement split sheet issued by the social security, and indicate the total amount of medical expenses spent and the expenses paid by the social security, and submit it to the insurance company together with a copy of the original documents, and the insurance company will make a claim within the remaining amount of medical expenses according to the above materials.

Fourth, conduct an accident investigation and issue insurance benefits. Once the information is collected, the claims department of the insurance company begins to investigate the relevant matters. If the policyholder conceals his medical history when applying for insurance, or the insured does not have a personal signature, etc., it will bring obstacles to the smooth progress of the claim settlement.

Finally, when the insurance company investigates correctly, it will review, calculate, and determine the amount of the claim, and notify the customer to go and collect the insurance benefit.

Extended reading: [Insurance] How to buy, which is better, teach you to avoid the bumps of insurance"pits"

Each has its own characteristics and cannot be compared.

1. Chinese life:

"Multi-channel convenient reporting" encourages customers and sales staff to report the case in a timely manner through 95519 customer service**, the Internet (e-treasure account e-insurance) and counters after learning the risk information, and uniformly collect and manage the report information, and the special person will take the initiative to follow up the service; "Set up a full-process fast claim channel" for claims applications and small claims cases with complete information, clear responsibilities and no need for investigation, customers can achieve immediate advisability; "Simplified Claim Procedures" will provide customers who visit the counter in person without filling in the claim application form; "Deferred interest on claims" If the payment of claims is delayed due to the company's reasons, and the number of days exceeds the specified number, Oak will pay deferred interest at 3% of the annual simple interest of the insured amount; "Transparency of the claim process and results" will realize the real-time triggering of various SMS notifications in each ring of claims acceptance, processing, approval and closure, such as the lease festival, reflecting the transparency of the claim process and results.

2. Ping An of China

In 2009, Ping An Insurance of China launched "Abide by the Contract, Find a Reason for Your Claim" and "Complete Documents, Fail to Make a Claim within 30 Days to Pay Overdue Interest".

Service Commitment. On February 2, 2010, Ping An Life upgraded its service commitment and launched the "Policy e-Service" to help customers apply for more than 30 policy self-service policies around the clock. At the same time, Ping An Insurance Company of China promises to complete the case approval and notify the payment within one working day when the compensation amount is less than 10,000 yuan (including 10,000 yuan) in the case of auto insurance liability accidents, provided that the customer submits complete and valid claim materials.

Ping An Auto Insurance of China occupies the highest and best service standard in the insurance industry with fast claim settlement, payment within one day, wide claim settlement, nationwide claim, excellent service, cost-effective service, fast investigation and survey, and the fastest loss assessment mechanism.

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

3-5 working days below RMB.

3-7 working days for 10,000 RMB.

RMB above 5-10 working days.

Chinese Life Insurance Reimbursement Process:

1. In the event of a risk guaranteed in the contract, if you need to settle a claim, you must first report the case.

2. The company's claims department or its own broker, after confirming that the matter is true, will require the policyholder to provide the following corresponding information.

1) Original insurance contract.

2) A copy of the policyholder's ID card (front and back).

3) A copy of the policyholder's bank card (front and back).

4) The original medical records of the insured are exhumed for outpatient (emergency) treatment.

5) The original certificate of diagnosis of the insured (issued by a medical institution with a seal) 6) A copy of the insured's hospitalization record and the original discharge summary.

7) Original pathology report of the insured.

3. Before the review, you will also be asked to fill in the reason and process for medical treatment before submitting it to the branch.

4. Finally, submit Sun Sanchun to the head office to determine the financial payment after the compensation.

5. Finally, the contract will be returned and the claim payment will be paid into the beneficiary's account.

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