It turns out that insurance can be paid repeatedly, can insurance be paid repeatedly?

Arnold answers: Hello!

In today's society, many people will take out multiple insurance policies for themselves like you, or even apply for the same insurance from multiple companies, so as to obtain greater protection in this way. But in the same way, many people like you are faced with the conditions of repeated claims, and today, let Xiaonuo take you into the world of duplicate claims.

Duplicate claims are for different types of insurance and different regulations, not all insurance products can be purchased in multiple copies, and repeated claims can be obtained, so before buying insurance, you must first understand which insurance can be repeatedly claimed!

1. Some of the accident insurance can be paid repeatedly, and some of them cannot. Accident insurance includes accidental death, disability, accident expense reimbursement and accidental hospitalization allowance, etc., whether it can be claimed repeatedly, we have to look at it separately: disability or death caused by accidents can be repeatedly claimed, and multiple purchases can be repeated.

However, accidental medical expenses and accidental hospitalization allowance cannot be reimbursed twice, because they are compensatory insurance, and the insurance company will reimburse them up to the actual medical expenses incurred.

2. Critical illness insurance can be paid repeatedly. Critical illness insurance is paid upon diagnosis. In other words, if the policyholder chooses to purchase multiple critical illness insurances, once diagnosed with a critical illness, even if it is insured by different companies, as long as the critical illness is stated in the policy and the condition meets the compensation criteria, he can receive compensation from multiple insurance companies at the same time.

As a result, claims can be made repeatedly.

3. Hospitalization medical insurance cannot be claimed repeatedly. Because hospitalization medical insurance is an expense reimbursement type of insurance, like accidental medical treatment and accidental hospitalization allowance in accident insurance, it is reimbursed to the extent of the actual medical expenses incurred, and how much is reimbursed. In addition, expense reimbursement requires invoices or documents, and generally there is only one invoice, and it is impossible to go to another company for repeated reimbursement after reimbursement by this insurance company.

Unless, the cost of medical treatment is too high for an insurance company to reimburse, and the rest can be reimbursed elsewhere, but the reimbursement amount must not exceed the cost of treatment.

4. Term life insurance, which can be paid repeatedly. Life is priceless, and no matter how many life insurance policies you buy, you can accumulate benefits for death during the insurance period.

Whether the insurance can be repaid depends on the type of insurance purchased by the user, specifically: Medical insurance: Medical insurance cannot be reclaimed.

As long as the user has an insured event within the scope of the policy contract, the insurance company will settle the claim based on the insurance purchased by the user. The specific claim situation is subject to the provisions in the policy contract.

Whether the insurance can be repaid depends on the type of insurance purchased by the user, as follows:

1. Accident insurance, death insurance and disability insurance can be repeatedly claimed, while accident medical insurance can not be repeatedly claimed;

2. Critical illness insurance, critical illness insurance can be repeatedly claimed, as long as the user has an insured accident within the scope of the policy contract, the insurance company will make a claim according to the insurance purchased by the user;

3. Medical insurance, medical insurance can not be repeated claims;

4. Life insurance and term life insurance can be claimed repeatedly.

Most of the insurances that cover death, accidental disability, and critical illness fall into this category. If the insured incurs the insurance liability defined in the insurance contract, after the insurance company verifies that there is no problem, it will pay according to the bank that provided it, and the amount is the amount of insurance that was purchased at the beginning. In the event of death liability, it will be called to the designated or legal beneficiary of the policyholder; In the event of disability or critical illness, it will be credited to the account of the insured himself.

Hospitalization allowance liability in medical insurance is also covered by the category of benefits.

1. How to deal with duplicate insurance claims.

1. There are three ways to deal with repeated insurance claims, namely:

1) Each insurer shall be liable for compensation according to the ratio of its insured amount to the sum of the insured amount, and shall not be jointly and severally liable to each other;

2) Each insurer shall only be liable according to the ratio of its insured amount to the sum insured amount, and shall not be jointly and severally liable with each other;

3) Regardless of the order in which the contracts of duplicate insurance are established, they are all valid, and each insurer shall be jointly and severally liable within the limit of its insurance amount. After the insurer pays the insurance money, it may recover from other insurers for the part that exceeds its liability.

2. Legal basis: Article 56 of the Insurance Law of the People's Republic of China.

The policyholder of duplicate insurance shall notify each insurer of the relevant circumstances of duplicate insurance.

In the case of duplicate insurance, the sum of the insurance benefits indemnified by each insurer shall not exceed the insured value. Unless otherwise agreed in the contract, each insurer shall be liable for compensation of insurance money in accordance with the proportion of its insured amount to the sum of the insured amount.

The policyholder of duplicate insurance may request each insurer to refund the insurance premium in proportion to the sum insured amount exceeding the insured value.

Duplicate insurance refers to insurance in which the policyholder enters into an insurance contract with two or more insurers for the same insurance subject, the same insurance interest, and the same insured event, and the sum insured amount exceeds the insured value.

2. Does the insurance contract take effect during the suspension period?

During the suspension of the insurance contract, if the insured has an insured accident, the insurer shall pay the insurance money in accordance with the contract, so the insurance contract will also take legal effect during the suspension period.

If the contract stipulates that the insurance premium shall be paid in installments, and the policyholder pays the initial insurance premium, unless otherwise agreed in the contract, if the policyholder fails to pay the current insurance premium for more than 30 days from the date of the insurer's reminder, or fails to pay the current insurance premium within 60 days of the agreed period, the validity of the contract shall be suspended, or the insurer shall reduce the insurance amount in accordance with the conditions agreed in the contract.

If an insured accident occurs within the time limit specified in the preceding paragraph, the insurer shall pay the insurance money in accordance with the contract, but may deduct the outstanding insurance premium.

Duplicate claims depend on the type of insurance. Reimbursed health insurance: Reimbursed health insurance is based on medical expenses.

Compensation can be made as long as it is reasonable and necessary. The reimbursement of medical insurance requires original documents, which can only be reimbursed once and cannot be reimbursed repeatedly. Property Insurance:

Property insurance has a high sum insured, and the amount of property insurance is compensated according to the actual amount of loss. For example, if different companies purchase car insurance, the two insurance companies will only pay out on a pro-rata basis, and the amount of the benefit will not exceed the total cost. Private Health Insurance for Minors:

The personal health insurance for minors cannot be claimed more than once, and the state also has a compensation limit. those under the age of 10 must not exceed 200,000 yuan; Where they are under the age of 10 but not yet 18 years old, they must not exceed 500,000 RMB.

Extended Materials. 1.Death and land-mongering insurance, accidental disability insurance, and critical illness insurance mostly fall into this category.

If the insured has the insurance liability stipulated in the insurance contract, after verification by the insurance company, it shall pay according to the bank provided, and the amount shall be the "insured amount" originally purchased. In cases involving liability for death, it will notify the applicant's nominated or lawful beneficiary; Due to disability or serious illness, it shall be borne by the insured person. In addition, the liability for hospitalization benefits in health insurance is also covered by the benefit insurance.

Compensation type: refers to the amount actually incurred by the insured in the accident liability, and the compensation shall be based on the maximum amount not exceeding the actual amount. Car insurance and property insurance fall under this type.

2.Among life insurance, the most common compensation insurance is medical hospitalization insurance. The expenses incurred during the hospitalization of the insured shall be reimbursed to the insurance company in the form of invoices after discharge, and the insurance company shall pay to the account designated by the insurer.

If you're wondering if you can handle multiple insurance claims, it depends on the type of insurance you purchase. If you buy payment insurance, you can buy more and pay more. For example, Xiaohong purchased 300,000 yuan of critical illness insurance from company A b C, but was unfortunately diagnosed with a malignant tumor.

In this case, claims can be made against each of the three companies. After the three companies checked that there were no problems with the claims, they would find that a total of 900,000 claims were remitted to the designated account. Therefore, if it is a payment insurance, duplicate compensation has no effect.

3.For example, Xiao Wang purchased two hospitalization insurance policies from Company A and Company B. Unfortunately, Xiao Wang needed to be hospitalized because of bronchitis.

During this period, he spent a total of 10,000 yuan. After Xiao Wang is discharged from the hospital, he can only apply for reimbursement from one of the companies (A or B) with the invoice, and the total reimbursement amount does not exceed 10,000 yuan. However, if the amount of hospitalization insurance purchased by Xiao Wang's company A is only 6,000 yuan, the remaining unreimbursed 4,000 yuan can apply for reimbursement from other companies (B or A).

The total amount reimbursed by companies A and B shall not exceed 10,000 yuan (we assume that all diagnosis and treatment expenses are reimbursable expenses stipulated in the insurance contract). Therefore, compensation insurance is to compensate you for a portion of your money on top of no more than the total cost. If you don't spend money, you won't be compensated.

Insurance can be paid repeatedly, but depending on the specific type of insurance, it is determined according to its different responsibilities.

1.If the insurance is a critical illness insurance, it is a fixed payment insurance, once the diagnosis of a serious illness meets the scope of the claim, a lump sum payment compensation, which is not directly related to the cost of medical expenses, can be repaid, and there are two serious diseases, which can be guaranteed at the same time in accordance with the agreement.

2.In the case of life insurance, it is also a lump sum payment in the event of death or disability. If you have more than one life insurance, you can pay for more than one life insurance at the same time.

3.If it is medical insurance, the reimbursement of medical expenses cannot be repeated, and it is a reimbursement product because the limit is subject to the actual medical expenses. If there are two types of health insurance, one of them is already covered and the other is not.

4.If it is an accident insurance, if there is an accidental death or disability in the event of a Jizhou trace, it can be repeated many times like life insurance, but the accidental medical treatment is a reimbursement type and cannot be repaid.

Summary. If the insurance is reimbursed, such as medical insurance, you can apply for a claim, but you can't repeat the claim, because the medical insurance reimbursement compensation type, the reimbursement amount will not exceed the actual medical expenses, you can use A medical insurance reimbursement first, if there is still no reimbursement completed, you can use B medical insurance reimbursement. If the insurance is a fixed-sum benefit insurance, such as accidental death or disability protection in critical illness insurance, life insurance or accident insurance, for example, if you are insured with critical illness insurance, if you are diagnosed with cancer, you can get compensation according to the agreement.

In the event of death, if you have taken out life insurance at the same time, you can get the death benefit, but there is a limit to the amount of death of minors, and the amount of death of children under the age of 10 shall not exceed 200,000, and the children between the ages of 10 and 17 shall not exceed 500,000. If one of the types of insurance is reimbursement and compensation, and the other is a fixed payment type, the claims are not affected by each other, and claims can be made according to the coverage of the insurance, such as medical insurance, medical expenses can be reimbursed, and critical illness insurance is paid according to the definition of disease. <>

Hello dear, I am happy to answer for you, can the insurance repeat the claim? Whether the insurance product can be repeatedly paid and scored, some cases can be repeatedly paid, some cases can only be paid once, according to the provisions of property insurance can be repeated claims, this is in the national law has relevant provisions, must be implemented in accordance with the provisions of the <>

If the insurance is reimbursed, such as medical insurance, you can apply for a claim, but you can't repeat the claim, because the medical insurance reimbursement compensation type, the reimbursement amount will not exceed the actual medical expenses, you can use A medical insurance reimbursement first, if there is still no reimbursement completed, you can use B medical insurance reimbursement. If the insurance is a fixed-sum benefit insurance, such as accidental death or disability protection in critical illness insurance, life insurance or accident insurance, for example, if you are insured with critical illness insurance, if you are diagnosed with cancer, you can get compensation according to the agreement. In the event of death, if you have taken out life insurance at the same time, you can get the death benefit, but there is a limit to the amount of death of minors, and the amount of death of children under the age of 10 shall not exceed 200,000, and the children between the ages of 10 and 17 shall not exceed 500,000.

If one of the types of insurance is reimbursement and compensation, and the other is a fixed payment type, the claims are not affected by each other, and claims can be made according to the coverage of the insurance, such as medical insurance, medical expenses can be reimbursed, and critical illness insurance is paid according to the definition of disease. <>

I have basic medical insurance, and there is a million medical insurance, how will I pay if I am hospitalized?

Hello, Invoice split sheet or settlement sheet printed at the hospital or social security bureau; Social security reimbursement first, and then million medical insurance reimbursement; If there is no social security or it is difficult to reimburse in other places, you can directly go to millions of medical reimbursements, and the reimbursement ratio is generally 60%; Send all the claim materials to the insurance company, and ask the insurance company to send them back after reimbursement. <>

Legal analysis: Under the condition of duplicate insurance, the compensation is carried out in the form of proportional sharing, and each insurer only needs to calculate the proportion of compensation according to their respective insurance amounts.

Legal basis: Article 41 Paragraph 2 of the Insurance Law of the People's Republic of China The sum insured amount of duplicate insurance exceeds the insured value, and the sum of the compensation amount of each insurer shall not exceed the insured value. Unless otherwise agreed in the contract, each insurer shall be liable for insurance compensation in accordance with the proportion of its insured amount to the sum of the insured amount.