How long does it take for an insurance claim to arrive? How long does it take for an insurance claim

Legal analysis: Insurance claims will generally arrive within 10 days if the application materials are complete. If the application is for a large amount of claims, it will take 30 days for the claim to be received, and if there is an insured event that is not covered by the insurance liability, the insurance company will issue a notice of rejection to the applicant within 3 days of verification and explain the reasons for the rejection.

Legal basis: Article 23 of the Insurance Law of the People's Republic of China After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification results; For those who are liable for insurance, the obligation to compensate or pay insurance money shall be fulfilled within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money.

If the insurance contract stipulates the time limit for compensation or payment of insurance money, the insurer shall perform the obligation of compensation or payment of insurance money in accordance with the agreement.

If the insurer fails to perform the obligations provided for in the preceding paragraph in a timely manner, it shall compensate the insured or the beneficiary for the losses suffered thereby, in addition to paying the insurance money.

No unit or individual may illegally interfere with the insurer's performance of the insurer's obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

Under normal circumstances, after the insurance company receives the complete claim materials, it will take 3 to 7 working days to pay the insurance benefits that meet the claim scope. The more complete and complete the general information, the faster the claim timeliness will be. But for complex cases, such as chronic diseases, critical illnesses.

In the event of a claim or car insurance accident involving injuries and the insurance company needs to conduct a detailed investigation, the claim may take longer.

There are several situations that affect the insurance company's claim timeliness:

1. The time when the insured reported the case.

Under normal circumstances, if an insured accident occurs, it should be reported to the insurance company within 3 working days. If the case is not reported as soon as possible, it will affect the time for the insurance company to investigate and collect evidence. Even if the case is reported after a certain period of time, the insurance company will take longer to receive the compensation, and may refuse to pay due to insufficient evidence.

2. The size of the compensation amount.

The smaller the amount to be paid, the shorter the review time, and the larger the claim amount, the stricter the review, and the more time it takes. For example, some simple accident medical insurance benefits of less than 2,000 yuan can be received within 24 hours from submission to claim.

3. Whether the claim information is complete.

For the occurrence of different cases, it is necessary to provide claim materials according to the requirements of the insurance company, and only when the materials are prepared comprehensively and truthfully, can they be quickly approved.

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Under normal circumstances, after the insurance company reviews the claim materials, the insurance money paid can be received within 3 to 7 days, but this is under the condition that the claim materials are prepared truly and sufficiently, do not cheat the insurance, and meet the conditions of the claim. In the face of complex cases, such as chronic diseases, critical illness claims or car insurance injuries, the claim settlement time may take more than a month, and a detailed claim investigation is required.

Legal basis: Article 23 of the Insurance Law of the People's Republic of China stipulates that after the occurrence of an insured event, when the policyholder, the insured or beneficiary makes a claim, the insurance company shall notify the other party in a timely manner if it considers that it is necessary to submit relevant certificates and materials;

1. After the materials are complete, the insurance company shall make an assessment in a timely manner, and if the situation is complicated, it shall make an approval within 30 days and notify the other party of the verification result in writing;

2. For insurance liability, the insurance company shall pay the compensation within 10 days after the compensation agreement is reached;

3. For those who do not belong to the insurance liability, a notice of refusal shall be issued within 3 days from the date of verification and the reasons shall be explained.

How long it takes for the insurance claim to arrive depends on the actual situation:

1.Ping An Insurance: If the compensation is paid directly to the insured and the claim amount is less than 50,000 yuan, real-time payment can be used and the payment can be received within a few minutes; If the payment is not real-time, it will generally arrive within three working days; If the claim amount is large or the case is more complex, the insurance company may need to run an investigation, and the claim settlement time will be extended, and the specific arrival time cannot be determined, but it will generally not exceed 30 days;

2.Chinese Life Insurance: Generally, potatoes can be received within 3-5 working days, but if the case is more complicated, it will generally arrive within 30 working days; Let it be held.

3.Chinese Insurance: Generally, it can be received within 3-5 working days, but if the case is more complicated, it will generally arrive within 30 working days;

4.Taiping Insurance: If the claim is small, less than 10,000 yuan, the claim can generally be settled within one working day; Otherwise, it will generally arrive within 10 to 30 days;

5.Pacific Insurance: Generally, the claim will be settled within 3 to 7 working days, and if the case is more complicated, it will generally arrive within 30 working days;

6.AXA Tianping Insurance; Generally, the claim will be settled within 1 to 7 working days, and if the case is more complex, it will generally arrive within 30 working days;

7.Sunshine Insurance: Generally, the claim will be settled within 2 to 3 working days, and the longest will not exceed 60 days;

8.China Merchants Cigna Insurance: Generally, the claim will be settled within 3 to 10 working days, and the longest will not exceed 30 days;

9.Xinhua Insurance: Generally, the claim will be settled within 1 to 10 working days, and the longest will not exceed 60 days;

10.Taikang Insurance: Generally, the claim will be settled within 1 to 7 working days, and the longest will not exceed 30 days.

In the case that the amount is not large (the bank has a transfer limit), the people who look at the insurance company have not been busy with many cases recently, and they have been more clear recently, and the payment should be made on the day of the closure of the case, which should be within two working days at the latest.

According to the size of the loss and the complexity of the accident, the compensation will be paid within 5 days for simple accidents, and within 10 working days if there is a personal injury, and the maximum compensation time shall not exceed 40 days.

According to Article 23 of the Insurance Law, the insurer shall make an assessment in a timely manner after the customer submits complete claim materials; Where the situation is complicated, an approval shall be made within 30 days. Within 10 days after reaching an agreement with the insured or beneficiary to compensate or pay insurance money, the obligation to compensate or pay insurance money shall be fulfilled. Therefore, the maximum payout period of the insurance company is not more than 30 + 10 = 40 days.

If it is more than 40 days, the customer has the right to call the local CBIRC to complain** to complain, and in this case, the insurance company will expedite the processing to the customer.