What is the claim process of Life Insurance? Is it difficult?

It's not hard to make a claim. Mainly these steps: Claim application form Original policy Outpatient and emergency medical record card and related test report Original discharge summary Original receipt and expense statement of relevant medical expenses Original other required supporting materials More specifically, you can also check it on the official website, or you can call the service**.

Universal life insurance is strictly defined as "an insurance product that provides flexible premium payment and adaptive death benefit." "Universal life insurance mainly provides two functions: savings and investment insurance.

The premium paid by the policyholder is divided into two parts, one for insurance and one for savings investment. Among them, the amount of insurance protection and the amount of savings initiatives in the set investment amount for the customer can be adjusted according to the needs of the customer for two different periods. Universal insurance products currently have relatively weak investment banking capabilities and excellent support functions in the market.

In the following years, customers who will make additional investments at any time according to their financial reports; Customers can even suspend premium payments as long as the policy is sufficient to cover the cost of the policy account.

Transparent Costs Compared to other types of insurance, the cost of universal life insurance is very transparent and the proportion of the premium account paid from the initial cost, the cost of security, and the deduction of the investment obtained is clearly defined. The monthly (quarterly) policy account value of the insurance company (some companies every quarter) is settled, and the settlement rate is published monthly.

After the expense, the guaranteed income is deducted.

Premiums and protection charges are included in segregated accounts for investment accounts. For more than five years, universal insurance is more committed to allowing customers to benefit from insurance annually, and its biggest feature is a certain percentage of the guaranteed interest rate, which is higher than the income protection of the insurance company and the investor. Of course, each company to ensure that the income is not the same, ultimately depends on the level of profitability or capital utilization and comprehensive management ability of the insurance company.

It is worth mentioning that the benefits of universal insurance do not guarantee a return on all premium rates, but after going into the part of the separate account, the cost of insurance premiums and security expenses is deducted.

Now is to collect claim information, after being discharged from the hospital, take all the documents related to hospitalization to make a claim, welcome to contact me, Chinese Life Beijing Branch.

Claims for life insurance should be classified.

There are ordinary claims and major claims.

For ordinary claims, if the claim for medical expenses, accident disability compensation, etc., the insurance company mainly requires medical records, medical receipts, diagnosis certificates, hospitalization lists, medication lists, fill in the claim application form and fill in the insured's bank account to facilitate the payment of claims, and you can apply for a claim in AIA according to the above information. Other companies may also provide the following information in this type of claim:

Insurance contract, receipt of premium payment, copy of ID card of the insured, major claim for death benefit or critical illness claim

Proof of diagnosis of critical illness.

Medical records, death certificates.

Certificate of cancellation of household registration.

Insurance contract. or relevant materials or information that the insurer deems necessary.

Wait until you have completed the ** before applying to the insurance company. What about the guy who sold you the insurance in the first place? Just look for that person. He'll do it for you.

1. Contact in time, notify the life insurance company in writing and apply for insurance payment.

When the insured has an insured accident such as illness or **, the life insurance company should be notified immediately. Otherwise, the policyholder may have to bear the increased investigation costs of the life insurance company due to the delay in notification.

When the insured reaches the age of receiving insurance benefits, the policyholder should of course apply to the life insurance company for payment of insurance benefits in a timely manner for the sake of their own interests.

2. Prepare the required application documents. Typically includes:

Application for Payment;

Insurance policy; Proof of the most recent payment;

Proof of the identity of the person concerned;

Other supporting documents as agreed in the insurance contract (see terms and conditions for details).

3. China's "Insurance Law" has made certain requirements for the time of claim settlement.

After receiving the request for compensation or payment of insurance money from the insured or beneficiary, the life insurance company shall make an assessment in a timely manner, and if it is an insurance liability, it shall perform the payment obligation within 10 days after reaching an agreement with the policyholder to pay the insurance money. Otherwise, the policyholder will be compensated for the losses suffered as a result.

If the amount of insurance money to be paid by a life insurance company cannot be determined within 60 days from the date of receipt of the claim application and relevant certificates and materials, it shall pay the minimum amount that can be determined according to the existing proof and materials, and then pay the corresponding difference after the amount is finally determined.

If the life insurance contract is invalid, or if there is fraud, or if the insured event occurs that is not covered by the insurance, the life insurance company will issue a notice of refusal.

If the policyholder is dissatisfied with or disagrees with the outcome of the claim, it can be resolved through negotiation, arbitration or litigation.

4. Statute of limitations.

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.

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

Answer the life insurance claim process: 1. The policyholder shall report to the life insurance company in a timely manner after knowing or should have known about the occurrence of the insured event; 2. After receiving the customer's claim request, the insurance company shall conduct the corresponding verification; 3. The insurance company settles the claim according to the agreement. Legal basis:

Article 22 of the Insurance Law of the People's Republic of China provides that after the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the relevant certificates and materials that it can provide to confirm the nature, cause and degree of loss of the insured accident. If the insurer finds that the relevant certificates and materials are incomplete in accordance with the provisions of the contract, it shall promptly notify the policyholder, the insured or the beneficiary to provide supplementary information in a one-time manner. Article 23 After receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an examination and approval 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.

Hello, my relative committed suicide, she has bought a life insurance policy before, it has been more than 2 years, will the insurance company pay the claim?

Life insurance is liable for compensation in the event of death by suicide. As long as the contract has been in existence for more than two years and the insured commits suicide, the life insurance company will be liable for the payment of the insurance benefits.

If you are satisfied, please give me a five-star review, thank you!

Claims for life insurance should be classified.

There are ordinary claims and major claims.

For ordinary claims, if the claim for medical expenses, accident disability compensation, etc., the insurance company mainly requires medical records, medical receipts, diagnosis certificates, hospitalization lists, medication lists, fill in the claim application form and fill in the insured's bank account to facilitate the payment of claims, and you can apply for a claim in AIA according to the above information. Other companies may also provide the following information in this type of claim:

Insurance contract, receipt of premium payment, copy of ID card of the insured, major claim for death benefit or critical illness claim

Proof of diagnosis of critical illness.

Medical records, death certificates.

Certificate of cancellation of household registration.

Insurance contract. or relevant materials or information that the insurer deems necessary.

Wait until you have completed the ** before applying to the insurance company. What about the guy who sold you the insurance in the first place? Just look for that person. He'll do it for you.

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

Claims for life insurance should be classified.

There are ordinary claims and major claims.

For ordinary claims, if the claim for medical expenses, accident disability compensation, etc., the insurance company mainly requires medical records, medical receipts, diagnosis certificates, hospitalization lists, medication lists, fill in the claim application form and fill in the insured's bank account to facilitate the payment of claims, and you can apply for a claim in AIA according to the above information. Other companies may also provide the following information in this type of claim:

Insurance contract, receipt of premium payment, copy of ID card of the insured, major claim for death benefit or critical illness claim

Proof of diagnosis of critical illness.

Medical records, death certificates.

Certificate of cancellation of household registration.

Insurance contract. or relevant materials or information that the insurer deems necessary.

Wait until you have completed the ** before applying to the insurance company. What about the guy who sold you the insurance in the first place? Just look for that person. He'll do it for you.

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

1. In the event of an insured accident, you should report to the insurance company in time and send the relevant information to the insurance company by yourself or by entrusting others (see the documents required for claim settlement).

2. After receiving the materials, the claims department of the insurance company will immediately file the case. In case of major accidents or doubtful accidents, special personnel will be assigned to investigate.

3. The investigator shall investigate according to the requirements.

4. The claims adjuster reviews the materials to determine whether the accident is within the scope of insurance liability and calculates the amount of compensation. If in doubt, you can still send someone to investigate. Make a claim verification conclusion.

5. The claims adjuster will report the review opinions and conclusions, sign and approve by a special person, and close the case after signing and agreeing.

6. Notify you to receive compensation or other written notice.

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

If you buy student insurance. Hospitalization due to illness can be partially covered. (If you are not hospitalized, you will not be compensated).

1.Under normal circumstances, the insurance company will pay the claim within 10-15 working days after receiving all the information required for the claim. It will be delayed for a few days) 2.

Claims are made in accordance with the provisions of the orange chain. Generally, the compensation is paid according to the proportion stipulated by the local medical insurance. Calculate the medical expenses first.

Reimbursement ratio of surgical expenses. Some drugs pay 50%.Some no longer have medical insurance, do not pay for old age, etc.

The compensation will be paid according to the contract between the school and the insurance company. Generally, 50-55% below 1000 yuan1000-5000 part 60-65%.

5000-10000 part 70-75%.

3.Now you go to the school and ask if the documents are sent to the insurance company. If you send it, call the insurance company** to consult the reason.

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