What should I do if Hubao refuses to make a claim this time because of a cerebral infarction many ye

If you want to settle a claim smoothly in the future, you must do two things: First, you must truthfully inform your health situation and never hide it; The second is to comply with the terms of the insurance. If you have insurance inquiries, you can pay attention to the message. In addition, mutual insurance is not insurance, and the payment will vary depending on the claim situation.

Mutual Treasure is a mutual aid program launched by Ant Financial for Ant members, and is not a formal insurance. The latest details about this product: "Mutual Treasure is upgraded again, is the new protection plan worth joining" Mutual Treasure is a critical illness plan that can be joined on Alipay, and the following are the three major illness plans it contains:

Yu Daddy Bao.

In fact, it can be seen from its three plans that it is not insurance, so it cannot apply for a claim according to the insurance process if it is out of the insurance.

Sesame Credit score of 650 is the entry threshold, and to really join, it is necessary to meet the health conditions, after all the conditions are met, apply for ** on the Alipay platform, from the day of joining, after the 90-day waiting period, the plan begins to take effect.

When the plan is in effect, you can file a claim if you are out of insurance. For example, Mr. Li joined Hubao on August 1, 2019 after meeting the health notice, and the scheme took effect on November 1, 2019.

In December 2019, Mr. Li was sent to the hospital for treatment due to acute myocardial infarction, and at this time, Mr. Li could apply for a claim on Hubao, of course, he needed to prepare the claim information. According to the terms and conditions, the conditions for compensation for heart attack are as follows:

As can be seen from the terms, there are three conditions that need to be met for the compensation of acute myocardial infarction:

1.Typical clinical presentations, such as acute chest pain, are certainly consistent.

2.Recent ECG changes suggest an ECG report of acute myocardial infarction.

3.Diagnostic elevations of cardiac enzymes or troponin, or dynamic changes consistent with acute myocardial infarction.

Mr. Li's acute myocardial infarction must meet the above conditions, and he can only receive mutual aid in the mutual treasure.

After satisfying these conditions, Mr. Li can apply for relief on Mutual TreasureSpecific steps:

Step 1: Open Alipay to find Mutual Treasure, and follow the steps to find the interface for applying for subsidies;

Step 2: Take photos as required and upload electronic materials to Hubao.

The third step is to wait for the mutual treasure claims adjuster to contact you, and then confirm, provide a copy of whether it is approved, and send the original if necessary.

Step 4: After everything is done without problems, you can wait for the mutual aid fund to be paid.

Look at the insurance company on the policy**, call** consultation, or find the platform customer service for consultation.

At the end of 2021, Hubao announced that it would cease operation on January 28, 2022, and the original guarantee would also be invalid. However, Hubao members can apply for the corresponding one-year critical illness insurance or cancer insurance without health notification and waiting period, and different plans correspond to different products.

Now, let me talk about how to claim these insurances?

If it is a one-year cancer prevention insurance, once the cancer is diagnosed, then you can pay a sum of insurance money, and you can pay as much as you want.

If it is a one-year critical illness insurance, there are three payment criteria:

Compensation upon diagnosis: once diagnosed, it can be paid, such as malignant tumors - severe, severe burns, etc.;

Contracted surgery: After the diagnosis, the contracted surgery is still required to be compensated, such as major organ transplantation or hematopoietic stem cell transplantation;

Reaching the agreed state of disease: After diagnosis, the agreed state can only be compensated, such as deep coma, paralysis, severe chronic renal failure, etc.

If you meet the claim criteria, you can apply to the insurance company for a claim, and the specific process is: diagnosis, report, submission of materials, and waiting for the insurance company's review.

If it goes well, the insurance company will arrange the payment. If the information is incomplete, the insurance company will ask us to add it, but this will slow down the progress of the claim, in order to avoid this, we can consult customer service in advance to ensure that all the information has been collected.

However, the products that Mutual Poco has switched to: Serious Illness Mutual Aid Plan Healthy Blessing Critical Illness No. 1 (Serious Illness Version), Chronic Disease Population Cancer Prevention Plan Healthy Blessing Cancer Prevention No. 1 Chronic Disease Edition), and Elderly Cancer Prevention Mutual Aid Program Healthy Blessing Cancer Prevention No. 1 are all one-year products, and the renewal is not stable, and the amount of insurance itself is not high, so it needs to be matched with other products to obtain complete protection.

Among them, medical insurance is the main type of medical insurance that covers serious illnesses, and there are three main types: million medical insurance, cancer prevention medical insurance, and Huimin Insurance. For healthy friends, million medical insurance is the first choice, interested friends can take a look at this list:

Which one is worth buying? The latest list is here!

However, it is still recommended to buy some commercial insurance if you have the conditions, so that the protection will be more stable. After all, the amount of mutual treasure is low, and it can only be used as a supplement to commercial insurance, and cannot replace commercial insurance. However, the specific situation still needs to be decided according to the individual's situation, after all, everyone's choice is still very different.

Mutual treasure is mainly online claims, on the mutual treasure page, find "my customer service" click to enter, click "claim application materials", provide relevant claim information as required, submit for review, pass the verification and publicize no objection, you can apply for mutual aid.

The process of settling a claim is to first take out the proof of the matter, and then review it after filing a lawsuit online, and finally reach the compensation.

Summary. Hello dear! Now for you to answer the question of how to make a claim for mutual treasure:

Relatives who can wait for compensation before the official closure of Mutual Treasure can still apply for compensation, and sick members who are first diagnosed in the hospital before 24:00 on January 28, 2022 and are in the mutual aid plan at the time of diagnosis can apply for mutual aid within 180 days from the date of the hospital's initial diagnosis. Mutual Treasure will review according to the rules, and those who pass can enjoy the claim payment, but this money is borne by the platform and was previously shared by those who participate in mutual assistance.

Hello dear! Now for you to answer How to make a claim for mutual treasure stoppage: Bi Lack of relatives People who can wait for compensation before the shutdown of Mutual Bao Zhenghong can still apply for compensation, and the sick members of the hospital who were first diagnosed before 24:00 on January 28, 2022 and were in the mutual aid plan at the time of diagnosis can apply for mutual aid within 180 days from the date of the hospital's initial diagnosis.

The Mutual Treasure Association will review according to the rules, and those who pass the Huiyan can enjoy the claim payment, but this money is borne by the platform, and it was previously shared by those who participated in mutual assistance.

Mutual Treasure is a serious illness mutual aid service launched on the Alipay app on October 16, 2018, and the members who join the membership can enjoy a guarantee of 300,000 or 100,000 yuan if they encounter a major illness (the range is 100 kinds), and the cost is shared by all members. Hubao promised that the annual apportionment amount in 2019 would not exceed 188 yuan, and the excess part would be borne by Ant Financial, which is equivalent to having a bottom line. Members participating in the mutual aid program, if they want to apply for mutual aid funds, need to submit relevant materials (including SFZ cases, disease diagnosis certificates, etc.) on the application page, and after the investigation and review of the platform, the case will be publicized and fundraised, and the mutual aid travel fund will generally be allocated to the applicant within 1-3 working days.

In the event of a mutual disturbance incident, members must fill in and submit relevant information when applying for mutual treasure claims, such as: the applicant's valid identity document; Disease diagnosis certificate, diagnosis certificate and other relevant examination reports related to the disease diagnosis certificate issued by the hospital's specialist; Other proof and information related to the confirmation of the nature and cause of the death of the mutual aid matter.

The claim process of Alipay Mutual Treasure is as follows:

Enter "Mutual Treasure" in the search box on the Alipay homepage, click the [Mutual Treasure Claim] applet, click "**Report" in the lower right corner or dial Jane Neta Customer Service**400-139-9990 to report the case.

Step 2: Submit application materials.

After reporting the case, the claims adjuster will contact you within 3 working days and submit the claim materials according to the prompts to apply for a claim.

Step 3: Review and publicize.

Alipay will further review the application materials after receiving them, and the materials will be announced to all members on the 7th and 21st of each month, and the publicity period is 3 days.

Step 4: Get a claim.

After the announcement ends and there is no objection, the guarantee of the claim will be shared by all members on the 14th and 28th of each month, and Alipay will complete the compensation within 7 days.

After the occurrence of the mutual aid accident, when the members apply for mutual treasure claims, they must fill in and submit relevant information, such as: the valid identity document of the applicant; Disease diagnosis certificate, diagnosis certificate and other relevant examination reports related to the disease diagnosis certificate issued by the hospital's specialist; Other certificates and materials related to the confirmation of the nature and cause of the mutual aid accident.

The claim process of Alipay Mutual Treasure is as follows:

Enter "Mutual Treasure" in the search box on the Alipay homepage, click the [Mutual Treasure Claim] applet, click "**Report" in the lower right corner or call customer service**400-139-9990 to report the case.

Step 2: Submit application materials.

After reporting the case, the claims adjuster will contact you within 3 working days and submit the claim materials according to the prompts to apply for a claim.

Step 3: Review and publicize.

Alipay will further review the application materials after receiving them, and the materials will be announced to all members on the 7th and 21st of each month, and the publicity period is 3 days.

Step 4: Get a claim.

After the announcement ends and there is no objection, the guarantee of the claim will be shared by all members on the 14th and 28th of each month, and Alipay will complete the compensation within 7 days.

The steps of Mutual Treasure claim are as follows:

1. Open Alipay in your mobile phone, click Ant Insurance, and after entering, click Mutual Insurance;

2. Click Customer Service at the bottom;

3. Click on the questions related to "Claim Application Materials" to enter, and the questions can be replaced by changing them;

4. Click "Click here to contact the insurance company";

5. Select the claim materials, you can see that the required claim materials include the application for claims, the applicant's valid ID card and bank card, medical diagnosis certificate and discharge summary, pathology report or other examination report, accident certificate, and certificate confirming the insurance accident.

The steps to apply for mutual aid are as follows:

2. After entering, click "Ant Insurance", and you can see Mutual Treasure on the Ant Insurance page;

3. Enter the "Mutual Treasure" page and click "Guarantee";

4. After entering, you can see "Apply for Mutual Aid";

5. After clicking on, users can submit relevant information to apply for mutual aid.

After Hubao submits the application, the platform will conduct a review, and different users will spend different time during the review. After passing the review, the case will be publicized on the 7th of each month and the 21st of Daxin, and the publicity period is 3 days, and the 14th or 28th of each month after the completion of the publicity is the cost sharing date, and the mutual aid will be paid within 7 days after the sharing date. Mutual treasure can get up to 300,000 mutual aid funds, different age groups get different mutual aid funds, each member can only join the mutual aid program once, repeated participation can not get multiple mutual aid.

It should be noted that Mutual Treasure is not insurance, and users can also purchase insurance after joining, and the two are not affected by each other.

If the participant suffers from a disease due to the diagnosis of the insurance clause within 90 days of the waiting period for the cancellation of the mutual treasure, the mutual treasure will refund the contribution amount paid by the member, and the participant will automatically withdraw from the plan; If you cancel or withdraw from the plan under other circumstances, you will not be refunded.

Operating Environment: Brand: Apple 12

System version: iOS14

Summary. Process: "The process of applying for a claim is relatively simple, directly on the homepage of the Mutual Treasure page, find my mutual aid, enter [Apply for Mutual Aid], and follow the above prompts to apply.

You can also directly contact Alipay's manual customer service, and the customer service staff will inform you of the information you need to prepare for mutual aid fund application. ”

Excuse me, how to apply for a claim if I participate in Mutual Treasure, and what if it is not accepted?

Process: "The process of applying for a claim is relatively simple, directly on the homepage of the Mutual Treasure page, Shi refers to finding my mutual aid, entering [Apply for Mutual Aid], and following the instructions above to apply. You can also directly contact Alipay's manual customer service, and the customer service staff will inform you of the information to be prepared for the application of the mutual aid fund for the Annihilation Army.

The main reason for not settling claims is that you can't understand the contract, and the insurance contract is designed with great care, so generally this kind of incident is often lost by the customer.

It was passed last year, and now their managers don't pay attention to it.

Therefore, before buying insurance, you must look at the contract and will not read it, you can search the advantages and disadvantages of xx insurance on the Internet now, so that you know it in your heart.

Then you can call the CBIRC** The CBIRC is their superior leadership department.

Is there a CBIRC**?